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pay", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "CNG Financial Corporation", "State" -> "IL", "ZIPCode" -> "61802", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 16}, TimeObject[{18, 37, 10.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 896667.|>, <|"Date" -> DateObject[{2014, 6, 16}, TimeObject[{18, 31, 53.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Consumer Loan", "SubProduct" -> "Vehicle lease", "Issue" -> "Managing the loan or lease", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Ally Financial Inc.", "State" -> "NY", "ZIPCode" -> "14301", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 16}, TimeObject[{18, 37, 11.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 896672.|>, <|"Date" -> DateObject[{2014, 6, 16}, TimeObject[{18, 33, 25.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Information is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "TransUnion Intermediate Holdings, Inc.", "State" -> "CA", "ZIPCode" -> "92655", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Postal mail", "DateSent" -> DateObject[{2014, 6, 25}, TimeObject[{18, 24, 32.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 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"ConsumerDisputed" -> "No", "ComplaintID" -> 897535.|>, <|"Date" -> DateObject[{2014, 6, 16}, TimeObject[{18, 39, 1.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Public record", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "TransUnion Intermediate Holdings, Inc.", "State" -> "CA", "ZIPCode" -> "92130", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 20}, TimeObject[{13, 20, 17.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> Missing["NotApplicable"], "ComplaintID" -> 896685.|>, <|"Date" -> DateObject[{2014, 6, 16}, TimeObject[{18, 40, 11.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit card", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Identity theft / Fraud / Embezzlement", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Capital One", "State" -> "NJ", "ZIPCode" -> "08010", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Postal mail", "DateSent" -> DateObject[{2014, 6, 19}, TimeObject[{12, 46, 3.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 895741.|>, <|"Date" -> DateObject[{2014, 6, 16}, TimeObject[{18, 45, 5.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "I do not know", "Issue" -> "Disclosure verification of debt", "SubIssue" -> "Not given enough info to verify debt", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Portfolio Recovery Associates, Inc.", "State" -> "TX", "ZIPCode" -> "78750", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 16}, TimeObject[{18, 52, 11.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 895767.|>, <|"Date" -> DateObject[{2014, 6, 16}, TimeObject[{18, 46, 24.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit card", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Application processing delay", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Capital One", "State" -> "VA", "ZIPCode" -> "22204", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Phone", "DateSent" -> DateObject[{2014, 7, 29}, TimeObject[{15, 47, 16.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> 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-> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 16}, TimeObject[{18, 52, 13.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 895881.|>, <|"Date" -> DateObject[{2014, 6, 16}, TimeObject[{18, 49, 48.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Information is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Experian", "State" -> "CA", "ZIPCode" -> "95843", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 16}, TimeObject[{18, 52, 12.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", 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"SubIssue" -> "Account status", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Experian", "State" -> "TX", "ZIPCode" -> "78702", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 16}, TimeObject[{18, 52, 14.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 895774.|>, <|"Date" -> DateObject[{2014, 6, 16}, TimeObject[{18, 51, 13.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Account opening, closing, or management", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "PNC Bank N.A.", "State" -> "IL", "ZIPCode" -> "60523", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 6, 18}, TimeObject[{18, 14, 1.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 896722.|>, <|"Date" -> DateObject[{2014, 6, 16}, TimeObject[{18, 52, 36.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit card", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Credit determination", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Amex", "State" -> "CA", "ZIPCode" -> "95610", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 18}, TimeObject[{18, 11, 5.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 895849.|>, <|"Date" -> DateObject[{2014, 6, 16}, 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"ConsumerConsent" -> "N/A", "SubmittedVia" -> "Phone", "DateSent" -> DateObject[{2014, 6, 18}, TimeObject[{18, 39, 59.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 896739.|>, <|"Date" -> DateObject[{2014, 6, 16}, TimeObject[{18, 59, 27.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Credit card", "Issue" -> "Cont'd attempts collect debt not owed", "SubIssue" -> "Debt was paid", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "BMO Harris", "State" -> "AZ", "ZIPCode" -> "85027", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 18}, TimeObject[{18, 29, 27.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 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"Issue" -> "Taking/threatening an illegal action", "SubIssue" -> "Sued w/o proper notification of suit", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Credit Card Receivables Fund Incorporated", "State" -> "CA", "ZIPCode" -> "92618", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Phone", "DateSent" -> DateObject[{2014, 6, 18}, TimeObject[{20, 8, 34.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 897015.|>, <|"Date" -> DateObject[{2014, 6, 16}, TimeObject[{21, 4, 31.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Account terms", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "TransUnion Intermediate Holdings, Inc.", "State" -> "MI", "ZIPCode" -> "48334", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 16}, TimeObject[{21, 7, 12.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> Missing["NotApplicable"], "ComplaintID" -> 897023.|>, <|"Date" -> DateObject[{2014, 6, 16}, TimeObject[{21, 4, 59.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Medical", "Issue" -> "Cont'd attempts collect debt not owed", "SubIssue" -> "Debt is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Convergent Resources, Inc.", "State" -> "OH", "ZIPCode" -> "43004", "Tags" -> "Servicemember", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 16}, TimeObject[{21, 7, 12.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 896991.|>, <|"Date" -> DateObject[{2014, 6, 16}, TimeObject[{21, 5, 40.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Other (i.e. phone health club etc.)", "Issue" -> "Cont'd attempts collect debt not owed", "SubIssue" -> "Debt is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Retrieval-Masters Creditors Bureau, Inc.", "State" -> "FL", "ZIPCode" -> "32091", "Tags" -> "Older American", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Phone", "DateSent" -> DateObject[{2014, 6, 18}, TimeObject[{20, 25, 36.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 897025.|>, <|"Date" -> DateObject[{2014, 6, 16}, TimeObject[{21, 9, 32.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit card", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Billing disputes", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Capital One", "State" -> "OK", "ZIPCode" -> "73008", "Tags" -> "Older American", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Phone", "DateSent" -> DateObject[{2014, 6, 18}, TimeObject[{19, 18, 27.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 897034.|>, <|"Date" -> DateObject[{2014, 6, 16}, TimeObject[{21, 10, 10.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Consumer Loan", "SubProduct" -> "Vehicle lease", "Issue" -> "Taking out the loan or lease", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Auto 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"CA", "ZIPCode" -> "91801", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 16}, TimeObject[{21, 37, 7.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 897054.|>, <|"Date" -> DateObject[{2014, 6, 16}, TimeObject[{21, 23, 33.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Other (i.e. phone health club etc.)", "Issue" -> "Communication tactics", "SubIssue" -> "Threatened to take legal action", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Brumbaugh & Quandahl", "State" -> "NE", "ZIPCode" -> "68135", "Tags" -> "Servicemember", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 16}, TimeObject[{21, 37, 7.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 897055.|>, <|"Date" -> DateObject[{2014, 6, 16}, TimeObject[{21, 24, 30.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional adjustable mortgage (ARM)", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Ditech Financial LLC", "State" -> "FL", "ZIPCode" -> "33137", "Tags" -> "Older American", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 16}, TimeObject[{21, 37, 8.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 895917.|>, <|"Date" -> DateObject[{2014, 6, 16}, TimeObject[{21, 24, 44.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit 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"CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Mercantile Adjustment Bureau, LLC", "State" -> "ME", "ZIPCode" -> "04981", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 16}, TimeObject[{21, 37, 12.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 895876.|>, <|"Date" -> DateObject[{2014, 6, 16}, TimeObject[{21, 34, 28.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Account opening, closing, or management", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "PNC Bank N.A.", "State" -> "KY", "ZIPCode" -> "40059", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 17}, 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52, 5.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 897079.|>, <|"Date" -> DateObject[{2014, 6, 16}, TimeObject[{21, 38, 26.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Unable to get credit report/credit score", "SubIssue" -> "Problem getting my free annual report", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Equifax", "State" -> "WA", "ZIPCode" -> "98087", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 16}, TimeObject[{21, 52, 5.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 897068.|>, <|"Date" -> DateObject[{2014, 6, 16}, TimeObject[{21, 45, 37.}, 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Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Select Portfolio Servicing, Inc", "State" -> "IL", "ZIPCode" -> "60615", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 16}, TimeObject[{21, 52, 8.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 897090.|>, <|"Date" -> DateObject[{2014, 6, 16}, TimeObject[{21, 49, 47.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Non-federal student loan", "Issue" -> "Disclosure verification of debt", "SubIssue" -> "Right to dispute notice not received", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "AES/PHEAA", "State" -> "MO", "ZIPCode" -> "64111", "Tags" -> "Servicemember", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" 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6, 17}, TimeObject[{8, 55, 33.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Money transfers", "SubProduct" -> "International money transfer", "Issue" -> "Money was not available when promised", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "MoneyGram", "State" -> "CA", "ZIPCode" -> "90008", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 17}, TimeObject[{9, 7, 4.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 897895.|>, <|"Date" -> DateObject[{2014, 6, 17}, TimeObject[{9, 41, 30.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "FHA mortgage", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "PennyMac Loan Services, LLC", "State" -> "GA", "ZIPCode" -> "30326", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 17}, TimeObject[{9, 52, 4.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 897899.|>, <|"Date" -> DateObject[{2014, 6, 17}, TimeObject[{11, 3, 32.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Medical", "Issue" -> "False statements or representation", "SubIssue" -> "Attempted to collect wrong amount", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Suburban Credit Corporation", "State" -> "VA", "ZIPCode" -> "20152", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 17}, TimeObject[{11, 7, 4.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 897903.|>, <|"Date" -> DateObject[{2014, 6, 17}, TimeObject[{11, 28, 3.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Credit card", "Issue" -> "Cont'd attempts collect debt not owed", "SubIssue" -> "Debt is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "TD Bank US Holding Company", "State" -> "GA", "ZIPCode" -> "30294", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 23}, TimeObject[{13, 10, 16.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 897651.|>, <|"Date" -> DateObject[{2014, 6, 17}, TimeObject[{11, 31, 2.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "HSBC North America Holdings Inc.", "State" -> "NY", "ZIPCode" -> "11361", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 6, 19}, TimeObject[{15, 12, 39.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 898014.|>, <|"Date" -> DateObject[{2014, 6, 17}, TimeObject[{11, 33, 2.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "JPMorgan Chase & Co.", "State" -> "IL", "ZIPCode" -> "60643", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 6, 19}, TimeObject[{15, 18, 30.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 898005.|>, <|"Date" -> DateObject[{2014, 6, 17}, TimeObject[{11, 34, 2.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Other bank product/service", "Issue" -> "Account opening, closing, or management", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "JPMorgan Chase & Co.", "State" -> "TX", "ZIPCode" -> "78728", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 6, 19}, TimeObject[{15, 21, 25.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 898185.|>, <|"Date" -> DateObject[{2014, 6, 17}, TimeObject[{11, 36, 2.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Mortgage", "Issue" -> "Disclosure verification of debt", "SubIssue" -> "Not disclosed as an attempt to collect", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Select Portfolio Servicing, Inc", "State" -> "GA", "ZIPCode" -> "30034", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 6, 19}, TimeObject[{16, 32, 12.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 898001.|>, <|"Date" -> DateObject[{2014, 6, 17}, TimeObject[{11, 37, 2.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "JPMorgan Chase & Co.", "State" -> "CT", "ZIPCode" -> "06002", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 6, 19}, TimeObject[{12, 46, 41.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 897968.|>, <|"Date" -> DateObject[{2014, 6, 17}, TimeObject[{11, 39, 39.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "I do not know", "Issue" -> "Cont'd attempts collect debt not owed", "SubIssue" -> "Debt is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "PMAB, LLC", "State" -> "NC", "ZIPCode" -> "28209", "Tags" -> "Older American", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 17}, TimeObject[{11, 52, 5.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 897905.|>, <|"Date" -> DateObject[{2014, 6, 17}, TimeObject[{11, 44, 2.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Bank of America", "State" -> "AR", "ZIPCode" -> "72714", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 6, 19}, TimeObject[{12, 47, 55.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 897942.|>, <|"Date" -> DateObject[{2014, 6, 17}, TimeObject[{11, 46, 2.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit card", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Closing/Cancelling account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "PNC Bank N.A.", "State" -> "IL", "ZIPCode" -> "60660", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 6, 19}, TimeObject[{12, 52, 38.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 897936.|>, <|"Date" -> DateObject[{2014, 6, 17}, TimeObject[{11, 47, 2.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Auto", "Issue" -> "Cont'd attempts collect debt not owed", "SubIssue" -> "Debt is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Santander Consumer USA Holdings Inc", "State" -> "GA", "ZIPCode" -> "30093", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 6, 19}, TimeObject[{12, 54, 53.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 897755.|>, <|"Date" -> DateObject[{2014, 6, 17}, TimeObject[{11, 48, 2.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Account opening, closing, or management", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Union Bank", "State" -> "CA", "ZIPCode" -> "93212", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 6, 19}, TimeObject[{12, 55, 52.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 898225.|>, <|"Date" -> DateObject[{2014, 6, 17}, TimeObject[{11, 51, 2.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Fifth Third Financial Corporation", "State" -> "IL", "ZIPCode" -> "60031", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 6, 19}, TimeObject[{13, 8, 27.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 897960.|>, <|"Date" -> DateObject[{2014, 6, 17}, TimeObject[{11, 52, 2.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "(CD) Certificate of deposit", "Issue" -> "Account opening, closing, or management", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "U.S. Bancorp", "State" -> "MO", "ZIPCode" -> "64116", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 6, 19}, TimeObject[{13, 9, 10.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 897945.|>, <|"Date" -> DateObject[{2014, 6, 17}, TimeObject[{11, 52, 5.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional fixed mortgage", "Issue" -> "Application, originator, mortgage broker", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Carrington Mortgage Holdings, LLC.", "State" -> "GA", "ZIPCode" -> "30145", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 17}, TimeObject[{12, 7, 5.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 897926.|>, <|"Date" -> DateObject[{2014, 6, 17}, TimeObject[{11, 53, 15.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit card", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Late fee", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Citibank", "State" -> "MI", "ZIPCode" -> "49446", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 19}, TimeObject[{14, 8, 25.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 899243.|>, <|"Date" -> DateObject[{2014, 6, 17}, TimeObject[{11, 57, 45.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional fixed mortgage", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "PNC Bank N.A.", "State" -> "SC", "ZIPCode" -> "29420", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 19}, TimeObject[{13, 39, 33.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 897928.|>, <|"Date" -> DateObject[{2014, 6, 17}, TimeObject[{11, 59, 44.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Credit reporting company's investigation", "SubIssue" -> "Problem with statement of dispute", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Experian", "State" -> "OR", "ZIPCode" -> "97601", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 19}, TimeObject[{13, 38, 8.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 897753.|>, <|"Date" -> DateObject[{2014, 6, 17}, TimeObject[{12, 5, 57.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Student loan", "SubProduct" -> "Non-federal student loan", "Issue" -> "Dealing with my lender or servicer", "SubIssue" -> "Trouble with how payments are handled", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "SIMM Associates, Inc.", "State" -> "AL", "ZIPCode" -> "35203", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 19}, TimeObject[{13, 35, 51.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 897930.|>, <|"Date" -> DateObject[{2014, 6, 17}, TimeObject[{12, 18, 41.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit card", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Customer service / Customer relations", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Amex", "State" -> "NH", "ZIPCode" -> "03447", "Tags" -> "Older American", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 17}, TimeObject[{12, 22, 5.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 897932.|>, <|"Date" -> DateObject[{2014, 6, 17}, TimeObject[{12, 25, 6.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Student loan", "SubProduct" -> "Non-federal student loan", "Issue" -> "Dealing with my lender or servicer", "SubIssue" -> "Received bad information about my loan", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Wells Fargo & Company", "State" -> "GA", "ZIPCode" -> "30813", "Tags" -> "Older American", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 17}, TimeObject[{12, 37, 5.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 897940.|>, <|"Date" -> DateObject[{2014, 6, 17}, TimeObject[{12, 48, 26.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Consumer Loan", "SubProduct" -> "Vehicle loan", "Issue" -> "Problems when you are unable to pay", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "BMW Financial Services", "State" -> "MD", "ZIPCode" -> "20866", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 19}, TimeObject[{13, 28, 39.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 897953.|>, <|"Date" -> DateObject[{2014, 6, 17}, TimeObject[{12, 48, 29.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Personal information", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "TransUnion Intermediate Holdings, Inc.", "State" -> "MI", "ZIPCode" -> "48316", "Tags" -> "Older American", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 19}, TimeObject[{13, 18, 50.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 897639.|>, <|"Date" -> DateObject[{2014, 6, 17}, TimeObject[{12, 50, 4.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Medical", "Issue" -> "Cont'd attempts collect debt not owed", "SubIssue" -> "Debt is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "The Thomas Agency, Inc.", "State" -> "ME", "ZIPCode" -> "04084", "Tags" -> "Servicemember", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 17}, TimeObject[{12, 52, 26.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "No", "ConsumerDisputed" -> "No", "ComplaintID" -> 897955.|>, <|"Date" -> DateObject[{2014, 6, 17}, TimeObject[{12, 56, 15.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Student loan", "SubProduct" -> "Non-federal student loan", "Issue" -> "Dealing with my lender or servicer", "SubIssue" -> "Trouble with how payments are handled", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "LendKey Technologies, Inc.", "State" -> "VA", "ZIPCode" -> "22901", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 24}, TimeObject[{17, 52, 24.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 897963.|>, <|"Date" -> DateObject[{2014, 6, 17}, TimeObject[{13, 2, 36.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional fixed mortgage", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Ocwen", "State" -> "IL", "ZIPCode" -> "60048", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 17}, TimeObject[{13, 7, 7.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 897964.|>, <|"Date" -> DateObject[{2014, 6, 17}, TimeObject[{13, 3, 9.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional fixed mortgage", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Nationstar Mortgage", "State" -> "FL", "ZIPCode" -> "33331", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 19}, TimeObject[{14, 50, 32.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 897939.|>, <|"Date" -> DateObject[{2014, 6, 17}, TimeObject[{13, 24, 4.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Credit reporting company's investigation", "SubIssue" -> "Problem with statement of dispute", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "TransUnion Intermediate Holdings, Inc.", "State" -> "NY", "ZIPCode" -> "14214", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 17}, TimeObject[{13, 37, 8.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 897982.|>, <|"Date" -> DateObject[{2014, 6, 17}, TimeObject[{13, 25, 0.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "I do not know", "Issue" -> "Cont'd attempts collect debt not owed", "SubIssue" -> "Debt is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "NRA Group, LLC", "State" -> "OH", "ZIPCode" -> "44514", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> 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<|"Date" -> DateObject[{2014, 6, 17}, TimeObject[{18, 26, 25.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional fixed mortgage", "Issue" -> "Settlement process and costs", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "U.S. Bancorp", "State" -> "MN", "ZIPCode" -> "55042", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 17}, TimeObject[{18, 37, 9.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 898576.|>, <|"Date" -> DateObject[{2014, 6, 17}, TimeObject[{18, 26, 52.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Account terms", 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"DateSent" -> DateObject[{2014, 6, 19}, TimeObject[{19, 13, 48.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 899256.|>, <|"Date" -> DateObject[{2014, 6, 17}, TimeObject[{18, 34, 2.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Credit card", "Issue" -> "False statements or representation", "SubIssue" -> "Attempted to collect wrong amount", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Capital One", "State" -> "TX", "ZIPCode" -> "78251", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 6, 17}, TimeObject[{18, 37, 13.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 898596.|>, <|"Date" -> 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"ConsumerConsent" -> "N/A", "SubmittedVia" -> "Phone", "DateSent" -> DateObject[{2014, 6, 19}, TimeObject[{19, 17, 49.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 898618.|>, <|"Date" -> DateObject[{2014, 6, 17}, TimeObject[{18, 39, 59.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Account opening, closing, or management", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Bank of America", "State" -> "CA", "ZIPCode" -> "90045", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 17}, TimeObject[{18, 52, 6.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> 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"ConsumerConsent" -> "N/A", "SubmittedVia" -> "Phone", "DateSent" -> DateObject[{2014, 6, 19}, TimeObject[{15, 11, 11.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 898623.|>, <|"Date" -> DateObject[{2014, 6, 17}, TimeObject[{18, 42, 44.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Payday loan", "SubProduct" -> "Payday loan", "Issue" -> "Charged fees or interest I didn't expect", "SubIssue" -> "Charged fees or interest I didn't expect", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Zarvad III S.A.", "State" -> "IA", "ZIPCode" -> "50036", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 17}, TimeObject[{18, 52, 8.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "No", "ConsumerDisputed" -> 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"Mortgage", "SubProduct" -> "Conventional fixed mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Citibank", "State" -> "TN", "ZIPCode" -> "37087", "Tags" -> "Older American", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 17}, TimeObject[{19, 7, 5.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 898652.|>, <|"Date" -> DateObject[{2014, 6, 17}, TimeObject[{18, 53, 39.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Other (i.e. phone health club etc.)", "Issue" -> "Improper contact or sharing of info", "SubIssue" -> "Contacted employer after asked not to", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "ERC", "State" -> "OK", "ZIPCode" -> "74802", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 25}, TimeObject[{16, 56, 16.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 898655.|>, <|"Date" -> DateObject[{2014, 6, 17}, TimeObject[{18, 54, 27.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Account status", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Experian", "State" -> "TX", "ZIPCode" -> "76049", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Postal mail", "DateSent" -> DateObject[{2014, 7, 29}, TimeObject[{16, 38, 47.}, TimeZone -> -5.], TimeZone -> -5.], 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Missing["NotApplicable"], "Company" -> "Solidus Group LLC.", "State" -> "CA", "ZIPCode" -> "95401", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 17}, TimeObject[{19, 7, 10.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 898670.|>, <|"Date" -> DateObject[{2014, 6, 17}, TimeObject[{19, 2, 52.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional adjustable mortgage (ARM)", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Wells Fargo & Company", "State" -> "FL", "ZIPCode" -> "32216", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 17}, TimeObject[{19, 7, 11.}, TimeZone -> 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"CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Ocwen", "State" -> "FL", "ZIPCode" -> "32216", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 17}, TimeObject[{19, 22, 7.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 898643.|>, <|"Date" -> DateObject[{2014, 6, 17}, TimeObject[{19, 13, 10.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional fixed mortgage", "Issue" -> "Application, originator, mortgage broker", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Ocwen", "State" -> "FL", "ZIPCode" -> "34639", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Phone", "DateSent" -> DateObject[{2014, 6, 19}, TimeObject[{16, 12, 16.}, TimeZone -> 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Missing["NotApplicable"], "Company" -> "Ford Motor Credit Company", "State" -> "VA", "ZIPCode" -> "22219", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 19}, TimeObject[{18, 40, 10.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 897575.|>, <|"Date" -> DateObject[{2014, 6, 17}, TimeObject[{19, 17, 33.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "FHA mortgage", "Issue" -> "Application, originator, mortgage broker", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Bank of America", "State" -> "CA", "ZIPCode" -> "94538", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 17}, TimeObject[{19, 22, 10.}, TimeZone -> -5.], TimeZone -> 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"No", "ComplaintID" -> 898885.|>, <|"Date" -> DateObject[{2014, 6, 17}, TimeObject[{21, 40, 23.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional fixed mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Ocwen", "State" -> "NY", "ZIPCode" -> "11374", "Tags" -> "Older American", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 19}, TimeObject[{19, 59, 30.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 898886.|>, <|"Date" -> DateObject[{2014, 6, 17}, TimeObject[{21, 40, 42.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Problems caused by my funds being low", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "U.S. Bancorp", "State" -> "IA", "ZIPCode" -> "52722", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 17}, TimeObject[{21, 52, 6.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 898887.|>, <|"Date" -> DateObject[{2014, 6, 17}, TimeObject[{21, 41, 50.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Account opening, closing, or management", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "HSBC North America Holdings Inc.", "State" -> "NY", "ZIPCode" -> "11210", "Tags" -> "Older American", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 17}, TimeObject[{21, 52, 6.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 898888.|>, <|"Date" -> DateObject[{2014, 6, 17}, TimeObject[{21, 49, 23.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Account opening, closing, or management", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Wells Fargo & Company", "State" -> "NC", "ZIPCode" -> "28462", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 19}, TimeObject[{19, 44, 21.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 897644.|>, <|"Date" -> DateObject[{2014, 6, 17}, TimeObject[{21, 50, 10.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "FHA mortgage", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Ocwen", "State" -> "IL", "ZIPCode" -> "60104", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 17}, TimeObject[{21, 52, 9.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 898894.|>, <|"Date" -> DateObject[{2014, 6, 17}, TimeObject[{21, 50, 37.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Unable to get credit report/credit score", "SubIssue" -> "Problem getting my free annual report", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Experian", "State" -> "MO", "ZIPCode" -> "63348", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 17}, TimeObject[{21, 52, 8.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 898895.|>, <|"Date" -> DateObject[{2014, 6, 17}, TimeObject[{21, 50, 38.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional adjustable mortgage (ARM)", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Seterus, Inc.", "State" -> "AZ", "ZIPCode" -> "85755", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 17}, TimeObject[{21, 52, 8.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 898896.|>, <|"Date" -> DateObject[{2014, 6, 17}, TimeObject[{21, 52, 29.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Information is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Experian", "State" -> "WI", "ZIPCode" -> "54843", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 20}, TimeObject[{13, 27, 45.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 898897.|>, <|"Date" -> DateObject[{2014, 6, 17}, TimeObject[{21, 53, 15.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Money transfers", "SubProduct" -> "Domestic (US) money transfer", "Issue" -> "Fraud or scam", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "MoneyGram", "State" -> "KS", "ZIPCode" -> "66062", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 17}, TimeObject[{22, 7, 5.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 898899.|>, <|"Date" -> DateObject[{2014, 6, 17}, TimeObject[{21, 54, 30.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Payday loan", "Issue" -> "Taking/threatening an illegal action", "SubIssue" -> "Threatened arrest/jail if do not pay", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "CNG Financial Corporation", "State" -> "CA", "ZIPCode" -> "92392", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 17}, TimeObject[{22, 7, 5.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 898901.|>, <|"Date" -> DateObject[{2014, 6, 17}, TimeObject[{21, 56, 43.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional fixed mortgage", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Ocwen", "State" -> "CO", "ZIPCode" -> "80121", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 17}, TimeObject[{22, 7, 6.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 898902.|>, <|"Date" -> DateObject[{2014, 6, 17}, TimeObject[{21, 57, 31.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Bank of America", "State" -> "FL", "ZIPCode" -> "32216", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 19}, TimeObject[{20, 5, 0.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 897603.|>, <|"Date" -> DateObject[{2014, 6, 17}, TimeObject[{21, 57, 54.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "FHA mortgage", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "JPMorgan Chase & Co.", "State" -> "LA", "ZIPCode" -> "70123", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 17}, TimeObject[{22, 7, 6.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 898903.|>, <|"Date" -> DateObject[{2014, 6, 17}, TimeObject[{21, 58, 50.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "BB&T Financial", "State" -> "NC", "ZIPCode" -> "27520", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Postal mail", "DateSent" -> DateObject[{2014, 6, 19}, TimeObject[{19, 57, 45.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 898905.|>, <|"Date" -> DateObject[{2014, 6, 17}, TimeObject[{22, 0, 12.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit card", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Late fee", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Capital One", "State" -> "WA", "ZIPCode" -> "98126", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 17}, TimeObject[{22, 7, 7.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 898907.|>, <|"Date" -> DateObject[{2014, 6, 17}, TimeObject[{22, 1, 41.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Information is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Equifax", "State" -> "CO", "ZIPCode" -> "80537", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 17}, TimeObject[{22, 7, 8.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 898908.|>, <|"Date" -> DateObject[{2014, 6, 17}, TimeObject[{22, 5, 33.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Credit card", "Issue" -> "Cont'd attempts collect debt not owed", "SubIssue" -> "Debt was paid", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Love, Beal & Nixon, P.C.", "State" -> "OK", "ZIPCode" -> "73017", "Tags" -> "Older American, Servicemember", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 17}, TimeObject[{22, 7, 9.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 898910.|>, <|"Date" -> DateObject[{2014, 6, 17}, TimeObject[{22, 5, 39.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit card", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Delinquent account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Capital One", "State" -> "FL", "ZIPCode" -> "33950", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 17}, TimeObject[{22, 7, 9.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 898911.|>, <|"Date" -> DateObject[{2014, 6, 17}, TimeObject[{22, 6, 51.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Making/receiving payments, sending money", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Bank of America", "State" -> "FL", "ZIPCode" -> "32931", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 20}, TimeObject[{17, 37, 5.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 898913.|>, <|"Date" -> DateObject[{2014, 6, 17}, TimeObject[{22, 7, 58.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Unable to get credit report/credit score", "SubIssue" -> "Problem getting report or credit score", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Equifax", "State" -> "IL", "ZIPCode" -> "60647", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 17}, TimeObject[{22, 22, 5.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 898915.|>, <|"Date" -> DateObject[{2014, 6, 17}, TimeObject[{22, 9, 34.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "I do not know", "Issue" -> "Taking/threatening an illegal action", "SubIssue" -> "Threatened arrest/jail if do not pay", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Thomas, King & Associates", "State" -> "NY", "ZIPCode" -> "13164", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 8, 1}, TimeObject[{13, 34, 41.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "No", "ConsumerDisputed" -> "No", "ComplaintID" -> 899222.|>, <|"Date" -> DateObject[{2014, 6, 17}, TimeObject[{22, 10, 31.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Credit monitoring or identity protection", "SubIssue" -> "Problem with fraud alerts", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Equifax", "State" -> "VA", "ZIPCode" -> "22630", "Tags" -> "Older American", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 17}, TimeObject[{22, 22, 6.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 898563.|>, <|"Date" -> DateObject[{2014, 6, 17}, TimeObject[{22, 11, 21.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional adjustable mortgage (ARM)", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Selene Finance", "State" -> "MD", "ZIPCode" -> "20748", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 17}, TimeObject[{22, 22, 7.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed 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loan", "Issue" -> "Charged fees or interest I didn't expect", "SubIssue" -> "Charged fees or interest I didn't expect", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "CashCall, Inc.", "State" -> "CA", "ZIPCode" -> "95062", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Phone", "DateSent" -> DateObject[{2014, 6, 20}, TimeObject[{13, 36, 45.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 898923.|>, <|"Date" -> DateObject[{2014, 6, 17}, TimeObject[{22, 14, 13.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Account status", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Experian", "State" -> "AZ", "ZIPCode" -> "85310", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 20}, TimeObject[{13, 38, 18.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 898924.|>, <|"Date" -> DateObject[{2014, 6, 17}, TimeObject[{22, 15, 41.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Unable to get credit report/credit score", "SubIssue" -> "Problem getting report or credit score", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "TransUnion Intermediate Holdings, Inc.", "State" -> "IL", "ZIPCode" -> "60647", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 17}, TimeObject[{22, 22, 8.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 898916.|>, <|"Date" -> DateObject[{2014, 6, 17}, TimeObject[{22, 21, 12.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Wells Fargo & Company", "State" -> "NY", "ZIPCode" -> "14221", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 6, 20}, TimeObject[{13, 41, 36.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 898929.|>, <|"Date" -> DateObject[{2014, 6, 17}, TimeObject[{22, 21, 57.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Unable to get credit report/credit score", "SubIssue" -> "Problem getting report or credit score", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Experian", "State" -> "IL", "ZIPCode" -> "60647", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 17}, TimeObject[{22, 22, 10.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 898917.|>, <|"Date" -> DateObject[{2014, 6, 17}, TimeObject[{22, 30, 51.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Other bank product/service", "Issue" -> "Account opening, closing, or management", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Comerica", "State" -> "MI", "ZIPCode" -> "48085", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 17}, TimeObject[{22, 37, 8.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 899557.|>, <|"Date" -> DateObject[{2014, 6, 17}, TimeObject[{22, 31, 26.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Medical", "Issue" -> "Communication tactics", "SubIssue" -> "Frequent or repeated calls", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Valarity, LLC", "State" -> "MO", "ZIPCode" -> "65802", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 17}, TimeObject[{22, 37, 9.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 898936.|>, <|"Date" -> DateObject[{2014, 6, 17}, TimeObject[{22, 31, 34.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Credit card", "Issue" -> "Cont'd attempts collect debt not owed", "SubIssue" -> "Debt was paid", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Dynamic Recovery Solutions, LLC", "State" -> "AZ", "ZIPCode" -> "86325", "Tags" -> "Older American", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 18}, TimeObject[{12, 51, 26.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 898938.|>, <|"Date" -> DateObject[{2014, 6, 17}, TimeObject[{22, 43, 26.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Consumer Loan", "SubProduct" -> "Vehicle loan", "Issue" -> "Managing the loan or lease", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Ally Financial Inc.", "State" -> "FL", "ZIPCode" -> "32003", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 17}, TimeObject[{22, 52, 5.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 898955.|>, <|"Date" -> DateObject[{2014, 6, 17}, TimeObject[{22, 45, 9.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional fixed mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "OneMain Financial Holdings, LLC", "State" -> "CA", "ZIPCode" -> "92101", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 17}, TimeObject[{22, 52, 7.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 897615.|>, <|"Date" -> DateObject[{2014, 6, 17}, TimeObject[{22, 45, 24.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Non-federal student loan", "Issue" -> "Improper contact or sharing of info", "SubIssue" -> "Contacted employer after asked not to", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Allied Interstate LLC", "State" -> "TX", "ZIPCode" -> "76502", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 19}, TimeObject[{18, 55, 53.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 898940.|>, <|"Date" -> DateObject[{2014, 6, 17}, TimeObject[{22, 50, 20.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Non-federal student loan", "Issue" -> "Communication tactics", "SubIssue" -> "Frequent or repeated calls", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Navient Solutions, Inc.", "State" -> "NC", "ZIPCode" -> "27540", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 17}, TimeObject[{22, 52, 7.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 898959.|>, <|"Date" -> DateObject[{2014, 6, 17}, TimeObject[{22, 51, 22.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional fixed mortgage", "Issue" -> "Settlement process and costs", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Nationstar Mortgage", "State" -> "IL", "ZIPCode" -> "60175", "Tags" -> "Older American", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 17}, TimeObject[{22, 52, 9.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 898960.|>, <|"Date" -> DateObject[{2014, 6, 17}, TimeObject[{22, 51, 25.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Credit monitoring or identity protection", "SubIssue" -> "Billing dispute", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "TransUnion Intermediate Holdings, Inc.", "State" -> "VA", "ZIPCode" -> "22202", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 17}, TimeObject[{22, 52, 8.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 898961.|>, <|"Date" -> DateObject[{2014, 6, 17}, TimeObject[{22, 53, 2.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional adjustable mortgage (ARM)", "Issue" -> "Credit decision / Underwriting", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "HSBC North America Holdings Inc.", "State" -> "NJ", "ZIPCode" -> "08520", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 17}, TimeObject[{23, 7, 5.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 897624.|>, <|"Date" -> DateObject[{2014, 6, 17}, TimeObject[{22, 57, 2.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional fixed mortgage", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "PNC Bank N.A.", "State" -> "PA", "ZIPCode" -> "15206", "Tags" -> "Older American", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 19}, TimeObject[{19, 51, 42.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 899055.|>, <|"Date" -> DateObject[{2014, 6, 17}, TimeObject[{23, 0, 27.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Credit card", "Issue" -> "Communication tactics", "SubIssue" -> "Frequent or repeated calls", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Synchrony Financial", "State" -> "NC", "ZIPCode" -> "27513", "Tags" -> "Older American", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Postal mail", "DateSent" -> DateObject[{2014, 6, 19}, TimeObject[{19, 52, 47.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 899225.|>, <|"Date" -> DateObject[{2014, 6, 17}, TimeObject[{23, 5, 19.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit card", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "APR or interest rate", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "JPMorgan Chase & Co.", "State" -> "OH", "ZIPCode" -> "43209", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 17}, TimeObject[{23, 7, 7.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 898974.|>, <|"Date" -> DateObject[{2014, 6, 17}, TimeObject[{23, 5, 36.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Consumer Loan", "SubProduct" -> "Vehicle loan", "Issue" -> "Problems when you are unable to pay", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Fifth Third Financial Corporation", "State" -> "OH", "ZIPCode" -> "43326", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 19}, TimeObject[{19, 56, 19.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 898977.|>, <|"Date" -> DateObject[{2014, 6, 17}, TimeObject[{23, 8, 44.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional adjustable mortgage (ARM)", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Wells Fargo & Company", "State" -> "CA", "ZIPCode" -> "94945", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 19}, TimeObject[{19, 59, 29.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 899217.|>, <|"Date" -> DateObject[{2014, 6, 17}, TimeObject[{23, 10, 38.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit card", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Transaction issue", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "JPMorgan Chase & Co.", "State" -> "TX", "ZIPCode" -> "78052", "Tags" -> "Servicemember", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Phone", "DateSent" -> DateObject[{2014, 6, 19}, TimeObject[{19, 37, 31.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 899048.|>, <|"Date" -> DateObject[{2014, 6, 17}, TimeObject[{23, 11, 32.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Unable to get credit report/credit score", "SubIssue" -> "Problem getting report or credit score", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Equifax", "State" -> "MT", "ZIPCode" -> "59102", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 17}, TimeObject[{23, 22, 4.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 898987.|>, <|"Date" -> DateObject[{2014, 6, 17}, TimeObject[{23, 15, 20.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Other (i.e. phone health club etc.)", "Issue" -> "Cont'd attempts collect debt not owed", "SubIssue" -> "Debt is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Diversified Consultants, Inc.", "State" -> "FL", "ZIPCode" -> "33157", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Phone", "DateSent" -> DateObject[{2014, 6, 19}, TimeObject[{18, 52, 50.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 898996.|>, <|"Date" -> DateObject[{2014, 6, 17}, TimeObject[{23, 17, 20.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional fixed mortgage", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "EverBank", "State" -> "TX", "ZIPCode" -> "77072", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 17}, TimeObject[{23, 22, 5.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 899001.|>, <|"Date" -> DateObject[{2014, 6, 17}, TimeObject[{23, 20, 5.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Student loan", "SubProduct" -> "Non-federal student loan", "Issue" -> "Getting a loan", "SubIssue" -> "Can't qualify for a loan", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Discover", "State" -> "NC", "ZIPCode" -> "27707", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 17}, TimeObject[{23, 22, 6.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 897834.|>, <|"Date" -> DateObject[{2014, 6, 17}, TimeObject[{23, 21, 27.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Student loan", "SubProduct" -> "Non-federal student loan", "Issue" -> "Dealing with my lender or servicer", "SubIssue" -> "Received bad information about my loan", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "SIMM Associates, Inc.", "State" -> "FL", "ZIPCode" -> "33056", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 19}, TimeObject[{20, 8, 11.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 899005.|>, <|"Date" -> DateObject[{2014, 6, 17}, TimeObject[{23, 24, 28.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional adjustable mortgage (ARM)", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Ocwen", "State" -> "CA", "ZIPCode" -> "94553", "Tags" -> "Older American", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 17}, TimeObject[{23, 37, 5.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 899006.|>, <|"Date" -> DateObject[{2014, 6, 17}, TimeObject[{23, 25, 57.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional fixed mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Bank of America", "State" -> "FL", "ZIPCode" -> "33313", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 8, 5}, TimeObject[{15, 35, 2.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 899010.|>, <|"Date" -> DateObject[{2014, 6, 17}, TimeObject[{23, 27, 47.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Other (i.e. phone health club etc.)", "Issue" -> "Cont'd attempts collect debt not owed", "SubIssue" -> "Debt was paid", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Encore Capital Group", "State" -> "DE", "ZIPCode" -> "19174", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 17}, TimeObject[{23, 37, 6.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 899012.|>, <|"Date" -> DateObject[{2014, 6, 17}, TimeObject[{23, 29, 40.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Nationstar Mortgage", "State" -> "NM", "ZIPCode" -> "87191", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Postal mail", "DateSent" -> DateObject[{2014, 6, 26}, TimeObject[{17, 51, 4.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 899013.|>, <|"Date" -> DateObject[{2014, 6, 17}, TimeObject[{23, 36, 29.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Other (i.e. phone health club etc.)", "Issue" -> "Disclosure verification of debt", "SubIssue" -> "Not given enough info to verify debt", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "First Data Corporation", "State" -> "CA", "ZIPCode" -> "92262", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Phone", "DateSent" -> DateObject[{2014, 6, 19}, TimeObject[{20, 11, 45.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 899560.|>, <|"Date" -> DateObject[{2014, 6, 17}, TimeObject[{23, 41, 23.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit card", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Credit line increase/decrease", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Discover", "State" -> "CO", "ZIPCode" -> "80015", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 19}, TimeObject[{19, 54, 42.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 899021.|>, <|"Date" -> DateObject[{2014, 6, 17}, TimeObject[{23, 42, 36.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Public record", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Experian", "State" -> "AZ", "ZIPCode" -> "85225", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 20}, TimeObject[{13, 58, 58.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 899022.|>, <|"Date" -> DateObject[{2014, 6, 17}, TimeObject[{23, 43, 46.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Non-federal student loan", "Issue" -> "Improper contact or sharing of info", "SubIssue" -> "Talked to a third party about my debt", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Schachter Portnoy, 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"", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 18}, TimeObject[{14, 22, 6.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 899767.|>, <|"Date" -> DateObject[{2014, 6, 18}, TimeObject[{14, 9, 57.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Credit card", "Issue" -> "Taking/threatening an illegal action", "SubIssue" -> "Sued w/o proper notification of suit", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Brumbaugh & Quandahl", "State" -> "NE", "ZIPCode" -> "68134", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 18}, TimeObject[{14, 22, 7.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> 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900180.|>, <|"Date" -> DateObject[{2014, 6, 18}, TimeObject[{17, 17, 20.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Information is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Equifax", "State" -> "CO", "ZIPCode" -> "80003", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 18}, TimeObject[{17, 22, 8.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> Missing["NotApplicable"], "ComplaintID" -> 900182.|>, <|"Date" -> DateObject[{2014, 6, 18}, TimeObject[{17, 22, 15.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional adjustable mortgage (ARM)", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Ocwen", "State" -> "FL", "ZIPCode" -> "33334", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 20}, TimeObject[{19, 2, 10.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 899333.|>, <|"Date" -> DateObject[{2014, 6, 18}, TimeObject[{17, 22, 18.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Credit card", "Issue" -> "Improper contact or sharing of info", "SubIssue" -> "Contacted employer after asked not to", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "AllianceOne Recievables Management", "State" -> "SD", "ZIPCode" -> "57301", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 18}, TimeObject[{17, 37, 7.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 900189.|>, <|"Date" -> DateObject[{2014, 6, 18}, TimeObject[{17, 23, 11.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Wells Fargo & Company", "State" -> "UT", "ZIPCode" -> "84310", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 18}, TimeObject[{17, 37, 9.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 900436.|>, <|"Date" -> DateObject[{2014, 6, 18}, TimeObject[{17, 23, 14.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Other (i.e. phone health club etc.)", "Issue" -> "Improper contact or sharing of info", "SubIssue" -> "Talked to a third party about my debt", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Robinson, Reagan and Young PLLC", "State" -> "FL", "ZIPCode" -> "34102", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 18}, TimeObject[{17, 37, 8.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 900191.|>, <|"Date" -> DateObject[{2014, 6, 18}, TimeObject[{17, 23, 45.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional fixed mortgage", "Issue" -> "Credit decision / Underwriting", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Seterus, Inc.", "State" -> "PA", "ZIPCode" -> "18045", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 18}, TimeObject[{17, 37, 8.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 899316.|>, <|"Date" -> DateObject[{2014, 6, 18}, TimeObject[{17, 24, 51.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Deposits and withdrawals", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Navy FCU", "State" -> "SC", "ZIPCode" -> "29223", "Tags" -> "Servicemember", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 18}, TimeObject[{17, 37, 9.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 900194.|>, <|"Date" -> DateObject[{2014, 6, 18}, TimeObject[{17, 26, 9.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional fixed mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Ocwen", "State" -> "WA", "ZIPCode" -> "98409", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 18}, TimeObject[{17, 37, 10.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 899390.|>, <|"Date" -> DateObject[{2014, 6, 18}, TimeObject[{17, 27, 28.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Account terms", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Equifax", "State" -> "KS", "ZIPCode" -> "67215", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 18}, TimeObject[{17, 37, 10.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 899508.|>, <|"Date" -> DateObject[{2014, 6, 18}, TimeObject[{17, 28, 1.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Guild Mortgage", "State" -> "CO", "ZIPCode" -> "81521", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 6, 20}, TimeObject[{18, 21, 38.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 900198.|>, <|"Date" -> DateObject[{2014, 6, 18}, TimeObject[{17, 29, 17.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Payday loan", "Issue" -> "Communication tactics", "SubIssue" -> "Frequent or repeated calls", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Risecredit, LLC", "State" -> "CA", "ZIPCode" -> "94559", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Phone", "DateSent" -> DateObject[{2014, 6, 20}, TimeObject[{18, 42, 29.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 900203.|>, <|"Date" -> DateObject[{2014, 6, 18}, TimeObject[{17, 32, 54.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Consumer Loan", "SubProduct" -> "Vehicle loan", "Issue" -> "Problems when you are unable to pay", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Santander Consumer USA Holdings Inc", "State" -> "PA", "ZIPCode" -> "15084", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 18}, TimeObject[{17, 37, 12.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 900212.|>, <|"Date" -> DateObject[{2014, 6, 18}, TimeObject[{17, 33, 3.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional fixed mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Ocwen", "State" -> "CA", "ZIPCode" -> "90290", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 18}, TimeObject[{17, 37, 13.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 900213.|>, <|"Date" -> DateObject[{2014, 6, 18}, TimeObject[{17, 33, 50.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Credit card", "Issue" -> "Communication tactics", "SubIssue" -> "Frequent or repeated calls", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Encore Capital Group", "State" -> "NJ", "ZIPCode" -> "08037", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 18}, TimeObject[{17, 37, 13.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 900216.|>, <|"Date" -> DateObject[{2014, 6, 18}, TimeObject[{17, 37, 25.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional fixed mortgage", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Citibank", "State" -> "TX", "ZIPCode" -> "76262", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 18}, TimeObject[{17, 52, 7.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 900224.|>, <|"Date" -> DateObject[{2014, 6, 18}, TimeObject[{17, 38, 2.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional fixed mortgage", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "HSBC North America Holdings Inc.", "State" -> "NE", "ZIPCode" -> "68137", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Phone", "DateSent" -> DateObject[{2014, 6, 20}, TimeObject[{18, 46, 57.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 900225.|>, <|"Date" -> DateObject[{2014, 6, 18}, TimeObject[{17, 40, 19.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Student loan", "SubProduct" -> "Non-federal student loan", "Issue" -> "Can't repay my loan", "SubIssue" -> "Can't decrease my monthly payments", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "ECMC Group, Inc.", "State" -> "OH", "ZIPCode" -> "43040", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Postal mail", "DateSent" -> DateObject[{2014, 6, 20}, TimeObject[{17, 57, 12.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 900230.|>, <|"Date" -> DateObject[{2014, 6, 18}, TimeObject[{17, 40, 40.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Student loan", "SubProduct" -> "Non-federal student loan", "Issue" -> "Getting a loan", "SubIssue" -> "Can't qualify for a loan", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Wells Fargo & Company", "State" -> "OK", "ZIPCode" -> "74012", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 18}, TimeObject[{17, 52, 8.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 900232.|>, <|"Date" -> DateObject[{2014, 6, 18}, TimeObject[{17, 41, 25.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "I do not know", "Issue" -> "Communication tactics", "SubIssue" -> "Threatened to take legal action", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Delray Capital, LLC", "State" -> "CA", "ZIPCode" -> "94480", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 24}, TimeObject[{15, 8, 2.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 900236.|>, <|"Date" -> DateObject[{2014, 6, 18}, TimeObject[{17, 42, 27.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Student loan", "SubProduct" -> "Non-federal student loan", "Issue" -> "Can't repay my loan", "SubIssue" -> "Can't decrease my monthly payments", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Navient Solutions, Inc.", "State" -> "OH", "ZIPCode" -> "43040", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Postal mail", "DateSent" -> DateObject[{2014, 6, 20}, TimeObject[{17, 58, 11.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 900231.|>, <|"Date" -> DateObject[{2014, 6, 18}, TimeObject[{17, 43, 22.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit card", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Customer service / Customer relations", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Bank of America", "State" -> "FL", "ZIPCode" -> "33186", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Postal mail", "DateSent" -> DateObject[{2014, 6, 20}, TimeObject[{17, 20, 56.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 900235.|>, <|"Date" -> DateObject[{2014, 6, 18}, TimeObject[{17, 47, 21.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Credit card", "Issue" -> "Communication tactics", "SubIssue" -> "Called after sent written cease of comm", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Encore Capital Group", "State" -> "DE", "ZIPCode" -> "19947", "Tags" -> "Older American", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 18}, TimeObject[{17, 52, 9.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 900249.|>, <|"Date" -> DateObject[{2014, 6, 18}, TimeObject[{17, 52, 50.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit card", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "APR or interest rate", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Citizens Financial Group, Inc.", "State" -> "MI", "ZIPCode" -> "48208", "Tags" -> "Older American", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Postal mail", "DateSent" -> DateObject[{2014, 6, 20}, TimeObject[{18, 2, 52.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 901249.|>, <|"Date" -> DateObject[{2014, 6, 18}, TimeObject[{17, 52, 55.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Unable to get credit report/credit score", "SubIssue" -> "Problem getting my free annual report", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Experian", "State" -> "WA", "ZIPCode" -> "98584", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 18}, TimeObject[{18, 7, 8.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 900253.|>, <|"Date" -> DateObject[{2014, 6, 18}, TimeObject[{17, 53, 42.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Account status", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Equifax", "State" -> "CA", "ZIPCode" -> "95620", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Postal mail", "DateSent" -> DateObject[{2014, 7, 8}, TimeObject[{16, 27, 34.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 899460.|>, <|"Date" -> DateObject[{2014, 6, 18}, TimeObject[{17, 54, 36.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Ocwen", "State" -> "NJ", "ZIPCode" -> "08012", "Tags" -> "Older American", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Postal mail", "DateSent" -> DateObject[{2014, 6, 20}, TimeObject[{17, 56, 21.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 900260.|>, <|"Date" -> DateObject[{2014, 6, 18}, TimeObject[{17, 55, 43.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Credit card", "Issue" -> "False statements or representation", "SubIssue" -> "Impersonated an attorney or official", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "HSBC North America Holdings Inc.", "State" -> "FL", "ZIPCode" -> "32129", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 20}, TimeObject[{13, 20, 8.}, TimeZone -> -5.], TimeZone -> -5.], 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44, 51.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 900677.|>, <|"Date" -> DateObject[{2014, 6, 18}, TimeObject[{18, 52, 18.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional fixed mortgage", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Select Portfolio Servicing, Inc", "State" -> "MI", "ZIPCode" -> "48226", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 18}, TimeObject[{19, 7, 6.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 900434.|>, <|"Date" -> DateObject[{2014, 6, 18}, TimeObject[{18, 53, 1.}, 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Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "SunTrust Banks, Inc.", "State" -> "VA", "ZIPCode" -> "22204", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 18}, TimeObject[{19, 7, 6.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 900435.|>, <|"Date" -> DateObject[{2014, 6, 18}, TimeObject[{18, 54, 2.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Information is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "TransUnion Intermediate Holdings, Inc.", "State" -> "PA", "ZIPCode" -> "19013", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" 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55, 3.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Making/receiving payments, sending money", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "JPMorgan Chase & Co.", "State" -> "NY", "ZIPCode" -> "10023", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 6, 20}, TimeObject[{19, 13, 15.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 900752.|>, <|"Date" -> DateObject[{2014, 6, 18}, TimeObject[{18, 55, 22.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Account status", "ComplaintNarrative" -> 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System, Inc.", "State" -> "MD", "ZIPCode" -> "20653", "Tags" -> "Servicemember", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 23}, TimeObject[{12, 58, 46.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 900811.|>, <|"Date" -> DateObject[{2014, 6, 18}, TimeObject[{21, 57, 54.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Money transfers", "SubProduct" -> "International money transfer", "Issue" -> "Incorrect/missing disclosures or info", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Bank of America", "State" -> "PA", "ZIPCode" -> "15147", "Tags" -> "Older American", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Phone", "DateSent" -> DateObject[{2014, 6, 24}, TimeObject[{13, 15, 26.}, TimeZone -> -5.], TimeZone -> -5.], 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"CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 901963.|>, <|"Date" -> DateObject[{2014, 6, 19}, TimeObject[{15, 40, 46.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Non-federal student loan", "Issue" -> "Cont'd attempts collect debt not owed", "SubIssue" -> "Debt was paid", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "ACS Education Services", "State" -> "NC", "ZIPCode" -> "27896", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 23}, TimeObject[{18, 13, 13.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 901968.|>, <|"Date" -> DateObject[{2014, 6, 19}, TimeObject[{15, 41, 44.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt 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"CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Integrity Solution Services, Inc.", "State" -> "NY", "ZIPCode" -> "10036", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 6, 23}, TimeObject[{17, 53, 10.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 901975.|>, <|"Date" -> DateObject[{2014, 6, 19}, TimeObject[{15, 49, 57.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "I do not know", "Issue" -> "Disclosure verification of debt", "SubIssue" -> "Not given enough info to verify debt", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Dynamic Recovery Solutions, LLC", "State" -> "TX", "ZIPCode" -> "76123", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 6, 23}, TimeObject[{16, 25, 11.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 901981.|>, <|"Date" -> DateObject[{2014, 6, 19}, TimeObject[{15, 50, 25.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Nationstar Mortgage", "State" -> "TX", "ZIPCode" -> "77346", "Tags" -> "Older American", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Postal mail", "DateSent" -> DateObject[{2014, 6, 23}, TimeObject[{17, 31, 5.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 901985.|>, <|"Date" -> DateObject[{2014, 6, 19}, TimeObject[{15, 51, 20.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Information is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Screening Reports Inc.", "State" -> "NJ", "ZIPCode" -> "07030", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 19}, TimeObject[{15, 52, 8.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "No", "ConsumerDisputed" -> Missing["NotApplicable"], "ComplaintID" -> 901988.|>, <|"Date" -> DateObject[{2014, 6, 19}, TimeObject[{15, 51, 31.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Home equity loan or line of credit", "Issue" -> "Application, originator, mortgage broker", "SubIssue" 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<|"Date" -> DateObject[{2014, 6, 19}, TimeObject[{15, 54, 9.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit card", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Billing disputes", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Bank of America", "State" -> "NY", "ZIPCode" -> "10024", "Tags" -> "Older American", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 23}, TimeObject[{15, 52, 3.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 901996.|>, <|"Date" -> DateObject[{2014, 6, 19}, TimeObject[{15, 55, 2.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Payday loan", "Issue" -> "Cont'd attempts collect debt not owed", "SubIssue" -> "Debt is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Regional Credit Solutions", "State" -> "MD", "ZIPCode" -> "21244", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 6, 23}, TimeObject[{16, 19, 2.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Untimely response", "TimelyResponse" -> "No", "ConsumerDisputed" -> Missing["NotApplicable"], "ComplaintID" -> 902272.|>, <|"Date" -> DateObject[{2014, 6, 19}, TimeObject[{15, 55, 28.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Consumer Loan", "SubProduct" -> "Vehicle loan", "Issue" -> "Managing the loan or lease", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "TD Bank US Holding Company", "State" -> "NY", "ZIPCode" -> "10469", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 6, 23}, TimeObject[{16, 28, 4.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 901998.|>, <|"Date" -> DateObject[{2014, 6, 19}, TimeObject[{15, 56, 10.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional adjustable mortgage (ARM)", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Caliber Home Loans, Inc", "State" -> "NJ", "ZIPCode" -> "08886", "Tags" -> "Older American", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Phone", "DateSent" -> DateObject[{2014, 6, 23}, TimeObject[{17, 39, 36.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 901345.|>, 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TimeObject[{16, 22, 6.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 901385.|>, <|"Date" -> DateObject[{2014, 6, 19}, TimeObject[{16, 9, 2.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Consumer Loan", "SubProduct" -> "Vehicle loan", "Issue" -> "Managing the loan or lease", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "SunTrust Banks, Inc.", "State" -> "PA", "ZIPCode" -> "19143", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 6, 23}, TimeObject[{18, 5, 16.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 902886.|>, <|"Date" -> DateObject[{2014, 6, 19}, TimeObject[{16, 10, 0.}, TimeZone -> 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"CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 902132.|>, <|"Date" -> DateObject[{2014, 6, 19}, TimeObject[{16, 48, 6.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Mortgage", "Issue" -> "Cont'd attempts collect debt not owed", "SubIssue" -> "Debt is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Select Portfolio Servicing, Inc", "State" -> "NY", "ZIPCode" -> "14892", "Tags" -> "Servicemember", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 19}, TimeObject[{16, 52, 10.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 902136.|>, <|"Date" -> DateObject[{2014, 6, 19}, TimeObject[{16, 48, 7.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt 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"Company" -> "Wells Fargo & Company", "State" -> "NJ", "ZIPCode" -> "08087", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 19}, TimeObject[{16, 52, 11.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 902143.|>, <|"Date" -> DateObject[{2014, 6, 19}, TimeObject[{16, 49, 37.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "FHA mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "JPMorgan Chase & Co.", "State" -> "IL", "ZIPCode" -> "60560", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 19}, TimeObject[{16, 52, 10.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 901488.|>, <|"Date" -> DateObject[{2014, 6, 19}, TimeObject[{16, 49, 41.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Payday loan", "SubProduct" -> "Payday loan", "Issue" -> "Received a loan I didn't apply for", "SubIssue" -> "Received a loan I didn't apply for", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Enova International, Inc.", "State" -> "TX", "ZIPCode" -> "75062", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 19}, TimeObject[{16, 52, 10.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 902145.|>, <|"Date" -> DateObject[{2014, 6, 19}, TimeObject[{16, 50, 45.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" 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"Company" -> "Caliber Home Loans, Inc", "State" -> "PA", "ZIPCode" -> "15001", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 19}, TimeObject[{17, 7, 7.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 902150.|>, <|"Date" -> DateObject[{2014, 6, 19}, TimeObject[{16, 55, 59.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Problems caused by my funds being low", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Santander Bank US", "State" -> "NY", "ZIPCode" -> "11226", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 19}, TimeObject[{17, 7, 8.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 902157.|>, <|"Date" -> DateObject[{2014, 6, 19}, TimeObject[{16, 56, 36.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit card", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Balance transfer", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Discover", "State" -> "PA", "ZIPCode" -> "19050", "Tags" -> "Servicemember", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 19}, TimeObject[{17, 7, 8.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 902159.|>, <|"Date" -> DateObject[{2014, 6, 19}, TimeObject[{16, 59, 23.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "JPMorgan Chase & Co.", "State" -> "NY", "ZIPCode" -> "13632", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 6, 23}, TimeObject[{16, 23, 27.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 902168.|>, <|"Date" -> DateObject[{2014, 6, 19}, TimeObject[{16, 59, 24.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Problems caused by my funds being low", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Wells Fargo & Company", "State" -> "FL", "ZIPCode" -> "33023", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 19}, TimeObject[{17, 7, 10.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 902169.|>, <|"Date" -> DateObject[{2014, 6, 19}, TimeObject[{16, 59, 58.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Money transfers", "SubProduct" -> "Domestic (US) money transfer", "Issue" -> "Fraud or scam", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Wells Fargo & Company", "State" -> "FL", "ZIPCode" -> "33306", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 19}, TimeObject[{17, 7, 9.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 901722.|>, <|"Date" -> DateObject[{2014, 6, 19}, TimeObject[{17, 1, 47.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Other (i.e. phone health club etc.)", "Issue" -> "Improper contact or sharing of info", "SubIssue" -> "Contacted me after I asked not to", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "ERC", "State" -> "AR", "ZIPCode" -> "72215", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 23}, TimeObject[{16, 27, 0.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 902171.|>, <|"Date" -> DateObject[{2014, 6, 19}, TimeObject[{17, 5, 47.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Account opening, closing, or management", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Wells Fargo & Company", "State" -> "CO", "ZIPCode" -> "80303", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 19}, TimeObject[{17, 7, 11.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 902179.|>, <|"Date" -> DateObject[{2014, 6, 19}, TimeObject[{17, 6, 18.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Account status", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Experian", "State" -> "TX", "ZIPCode" -> "77995", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 8}, TimeObject[{18, 26, 43.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 902180.|>, <|"Date" -> DateObject[{2014, 6, 19}, TimeObject[{17, 8, 49.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Unable to get credit report/credit score", "SubIssue" -> "Problem getting my free annual report", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Equifax", "State" -> "FL", "ZIPCode" -> "33624", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 19}, TimeObject[{17, 22, 7.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 902188.|>, <|"Date" -> DateObject[{2014, 6, 19}, TimeObject[{17, 8, 53.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Other (i.e. phone health club etc.)", "Issue" -> "False statements or representation", "SubIssue" -> "Attempted to collect wrong amount", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Ridge & Valley Realty, Inc.", "State" -> "CO", "ZIPCode" -> "80917", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Phone", "DateSent" -> DateObject[{2014, 6, 23}, TimeObject[{16, 18, 55.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 902189.|>, <|"Date" -> DateObject[{2014, 6, 19}, TimeObject[{17, 9, 52.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "FHA mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Bank of America", "State" -> "GA", "ZIPCode" -> "30331", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 19}, TimeObject[{17, 22, 18.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 902191.|>, <|"Date" -> DateObject[{2014, 6, 19}, TimeObject[{17, 11, 6.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Credit card", "Issue" -> "Disclosure verification of debt", "SubIssue" -> "Not given enough info to verify debt", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Pressler & Pressler, LLP", "State" 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Missing["NotApplicable"], "Company" -> "Halsted Financial Services, LLC.", "State" -> "IA", "ZIPCode" -> "52732", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Phone", "DateSent" -> DateObject[{2014, 7, 1}, TimeObject[{17, 12, 43.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 902392.|>, <|"Date" -> DateObject[{2014, 6, 19}, TimeObject[{18, 29, 37.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Other (i.e. phone health club etc.)", "Issue" -> "Improper contact or sharing of info", "SubIssue" -> "Contacted me instead of my attorney", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "4M Collections, LLC", "State" -> "OR", "ZIPCode" -> "97230", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Phone", "DateSent" -> DateObject[{2014, 6, 23}, TimeObject[{18, 31, 41.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "No", "ConsumerDisputed" -> Missing["NotApplicable"], "ComplaintID" -> 901389.|>, <|"Date" -> DateObject[{2014, 6, 19}, TimeObject[{18, 30, 17.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Personal information", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Experian", "State" -> "ID", "ZIPCode" -> "83301", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Postal mail", "DateSent" -> DateObject[{2014, 6, 23}, TimeObject[{19, 43, 56.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 901371.|>, <|"Date" -> DateObject[{2014, 6, 19}, TimeObject[{18, 31, 11.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit card", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Billing disputes", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Synchrony Financial", "State" -> "WA", "ZIPCode" -> "98107", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 23}, TimeObject[{19, 9, 59.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 902396.|>, <|"Date" -> DateObject[{2014, 6, 19}, TimeObject[{18, 34, 56.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Ocwen", "State" -> "CT", "ZIPCode" -> "06518", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 6, 23}, TimeObject[{19, 29, 54.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 902404.|>, <|"Date" -> DateObject[{2014, 6, 19}, TimeObject[{18, 37, 13.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Student loan", "SubProduct" -> "Non-federal student loan", "Issue" -> "Dealing with my lender or servicer", "SubIssue" -> "Trouble with how payments are handled", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Navient Solutions, Inc.", "State" -> "MO", "ZIPCode" -> "63376", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 23}, TimeObject[{19, 37, 48.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 901512.|>, <|"Date" -> DateObject[{2014, 6, 19}, TimeObject[{18, 37, 45.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Payday loan", "Issue" -> "Communication tactics", "SubIssue" -> "Called after sent written cease of comm", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Western-Shamrock Corporation", "State" -> "TX", "ZIPCode" -> "78664", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 19}, TimeObject[{18, 52, 6.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "No", "ConsumerDisputed" -> "No", "ComplaintID" -> 902412.|>, <|"Date" -> DateObject[{2014, 6, 19}, TimeObject[{18, 39, 58.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Public record", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Experian", "State" -> "NJ", "ZIPCode" -> "07036", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 19}, TimeObject[{18, 48, 14.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 901479.|>, <|"Date" -> DateObject[{2014, 6, 19}, TimeObject[{18, 44, 57.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Payday loan", "Issue" -> "Communication tactics", "SubIssue" -> "Called after sent written cease of comm", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Sun Loan Company", "State" -> "TX", "ZIPCode" -> "78664", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 23}, TimeObject[{18, 48, 13.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 902413.|>, <|"Date" -> DateObject[{2014, 6, 19}, TimeObject[{18, 45, 57.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Consumer Loan", "SubProduct" -> "Installment loan", "Issue" -> "Problems when you are unable to pay", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "HSBC North America Holdings Inc.", "State" -> "PA", "ZIPCode" -> "15233", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 6, 23}, TimeObject[{19, 56, 35.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 902438.|>, <|"Date" -> DateObject[{2014, 6, 19}, TimeObject[{18, 47, 30.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Home equity loan or line of credit", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Nationstar Mortgage", "State" -> "IL", "ZIPCode" -> "60516", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 19}, TimeObject[{18, 52, 9.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 902441.|>, <|"Date" -> DateObject[{2014, 6, 19}, TimeObject[{18, 47, 39.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "FHA mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Bank of America", "State" -> "OH", "ZIPCode" -> "44145", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 19}, TimeObject[{18, 52, 10.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 901402.|>, <|"Date" -> DateObject[{2014, 6, 19}, TimeObject[{18, 49, 10.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Seterus, Inc.", "State" -> "IN", "ZIPCode" -> "46528", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Postal mail", "DateSent" -> DateObject[{2014, 6, 23}, TimeObject[{20, 1, 14.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 902446.|>, <|"Date" -> DateObject[{2014, 6, 19}, TimeObject[{18, 51, 47.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Other (i.e. phone health club etc.)", "Issue" -> "Cont'd attempts collect debt not owed", "SubIssue" -> "Debt was paid", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Expert Global Solutions, Inc.", "State" -> "AL", "ZIPCode" -> "35213", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 23}, TimeObject[{19, 2, 40.}, TimeZone -> -5.], TimeZone -> -5.], 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"SubProduct" -> "I do not know", "Issue" -> "Cont'd attempts collect debt not owed", "SubIssue" -> "Debt is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Legal Recovery Specialists LLC", "State" -> "VA", "ZIPCode" -> "22602", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 24}, TimeObject[{13, 59, 55.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Untimely response", "TimelyResponse" -> "No", "ConsumerDisputed" -> Missing["NotApplicable"], "ComplaintID" -> 902460.|>, <|"Date" -> DateObject[{2014, 6, 19}, TimeObject[{18, 56, 29.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Information is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Experian", "State" -> "CA", "ZIPCode" -> "94606", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 7}, TimeObject[{13, 36, 0.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 902467.|>, <|"Date" -> DateObject[{2014, 6, 19}, TimeObject[{19, 2, 24.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Money transfers", "SubProduct" -> "International money transfer", "Issue" -> "Money was not available when promised", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "The Western Union Company", "State" -> "TX", "ZIPCode" -> "77094", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Phone", "DateSent" -> DateObject[{2014, 6, 23}, TimeObject[{20, 17, 46.}, TimeZone -> -5.], TimeZone -> -5.], 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"SubProduct" -> "Credit card", "Issue" -> "False statements or representation", "SubIssue" -> "Attempted to collect wrong amount", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Portfolio Recovery Associates, Inc.", "State" -> "TN", "ZIPCode" -> "37138", "Tags" -> "Older American", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Phone", "DateSent" -> DateObject[{2014, 6, 23}, TimeObject[{20, 20, 51.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 902492.|>, <|"Date" -> DateObject[{2014, 6, 19}, TimeObject[{19, 6, 12.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Payday loan", "Issue" -> "Cont'd attempts collect debt not owed", "SubIssue" -> "Debt is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Community Choice Financial, Inc.", "State" -> "VA", "ZIPCode" -> "23002", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 19}, TimeObject[{19, 7, 15.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 902495.|>, <|"Date" -> DateObject[{2014, 6, 19}, TimeObject[{19, 7, 20.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "FHA mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "HSBC North America Holdings Inc.", "State" -> "GA", "ZIPCode" -> "30252", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 19}, TimeObject[{19, 22, 7.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 902498.|>, <|"Date" -> DateObject[{2014, 6, 19}, TimeObject[{19, 14, 16.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Information is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Equifax", "State" -> "CA", "ZIPCode" -> "94606", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 7}, TimeObject[{13, 34, 27.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 902468.|>, <|"Date" -> DateObject[{2014, 6, 19}, TimeObject[{19, 14, 37.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Information is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "TransUnion Intermediate Holdings, Inc.", "State" -> "CA", "ZIPCode" -> "94606", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 7}, TimeObject[{13, 33, 33.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 902469.|>, <|"Date" -> DateObject[{2014, 6, 19}, TimeObject[{19, 15, 51.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Federal student loan", "Issue" -> "False statements or representation", "SubIssue" -> "Attempted to collect wrong amount", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Progressive Financial Services, Inc.", "State" -> "CA", "ZIPCode" -> "91009", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 6, 24}, TimeObject[{12, 31, 48.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 902515.|>, <|"Date" -> DateObject[{2014, 6, 19}, TimeObject[{19, 16, 6.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Account status", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Equifax", "State" -> "UT", "ZIPCode" -> "84414", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 19}, TimeObject[{19, 17, 49.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 901516.|>, <|"Date" -> DateObject[{2014, 6, 19}, TimeObject[{19, 16, 15.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Other (i.e. phone health club etc.)", "Issue" -> "Cont'd attempts collect debt not owed", "SubIssue" -> "Debt is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Receivables Performance Management LLC", "State" -> "CA", "ZIPCode" -> "94606", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 6, 23}, TimeObject[{19, 4, 7.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 902471.|>, <|"Date" -> DateObject[{2014, 6, 19}, TimeObject[{19, 18, 53.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Non-federal student loan", "Issue" -> "Improper contact or sharing of info", "SubIssue" -> "Contacted employer after asked not to", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Account Control Technology, Inc.", "State" -> "CA", "ZIPCode" -> "92656", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 6, 23}, TimeObject[{19, 27, 16.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 902521.|>, <|"Date" -> DateObject[{2014, 6, 19}, TimeObject[{19, 19, 45.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional fixed mortgage", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> 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"CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Guglielmo and Associates", "State" -> "AZ", "ZIPCode" -> "85629", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 19}, TimeObject[{22, 22, 7.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 902903.|>, <|"Date" -> DateObject[{2014, 6, 19}, TimeObject[{22, 10, 22.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Credit card", "Issue" -> "Communication tactics", "SubIssue" -> "Called after sent written cease of comm", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Portfolio Recovery Associates, Inc.", "State" -> "AZ", "ZIPCode" -> "85629", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 24}, 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-> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 902910.|>, <|"Date" -> DateObject[{2014, 6, 19}, TimeObject[{22, 15, 30.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Student loan", "SubProduct" -> "Non-federal student loan", "Issue" -> "Can't repay my loan", "SubIssue" -> "Can't get flexible payment options", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Navient Solutions, Inc.", "State" -> "", "ZIPCode" -> "", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 23}, TimeObject[{18, 33, 30.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 902912.|>, <|"Date" -> DateObject[{2014, 6, 19}, TimeObject[{22, 15, 38.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> 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"Company" -> "TransUnion Intermediate Holdings, Inc.", "State" -> "DE", "ZIPCode" -> "19701", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 23}, TimeObject[{19, 51, 3.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 902655.|>, <|"Date" -> DateObject[{2014, 6, 19}, TimeObject[{22, 20, 7.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "FHA mortgage", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Ditech Financial LLC", "State" -> "MO", "ZIPCode" -> "65616", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 19}, TimeObject[{22, 22, 8.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 902915.|>, <|"Date" -> DateObject[{2014, 6, 19}, TimeObject[{22, 26, 5.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Unable to get credit report/credit score", "SubIssue" -> "Problem getting my free annual report", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Equifax", "State" -> "PA", "ZIPCode" -> "19123", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 19}, TimeObject[{22, 37, 5.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 902926.|>, <|"Date" -> DateObject[{2014, 6, 19}, TimeObject[{22, 26, 48.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Unable to get credit report/credit score", "SubIssue" -> "Problem getting my free annual report", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "TransUnion Intermediate Holdings, Inc.", "State" -> "TX", "ZIPCode" -> "77840", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 19}, TimeObject[{22, 37, 5.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 902928.|>, <|"Date" -> DateObject[{2014, 6, 19}, TimeObject[{22, 27, 50.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Ocwen", "State" -> "NJ", "ZIPCode" -> "07751", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 19}, TimeObject[{22, 37, 6.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 902930.|>, <|"Date" -> DateObject[{2014, 6, 19}, TimeObject[{22, 31, 33.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Public record", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Equifax", "State" -> "MA", "ZIPCode" -> "02720", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 19}, TimeObject[{22, 37, 6.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> Missing["NotApplicable"], "ComplaintID" -> 902935.|>, <|"Date" -> DateObject[{2014, 6, 19}, TimeObject[{22, 32, 20.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Using a debit or ATM card", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Wells Fargo & Company", "State" -> "CA", "ZIPCode" -> "90831", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 23}, TimeObject[{19, 59, 35.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 901328.|>, <|"Date" -> DateObject[{2014, 6, 19}, TimeObject[{22, 32, 56.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Other (i.e. phone health club etc.)", "Issue" -> "Cont'd attempts collect debt not owed", "SubIssue" -> "Debt is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Afni, Inc.", "State" -> "NY", "ZIPCode" -> "11967", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 19}, TimeObject[{22, 37, 6.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 902939.|>, <|"Date" -> DateObject[{2014, 6, 19}, TimeObject[{22, 34, 23.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Credit card", "Issue" -> "Taking/threatening an illegal action", "SubIssue" -> "Sued w/o proper notification of suit", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Credit Card Receivables Fund Incorporated", "State" -> "UT", "ZIPCode" -> "84128", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 23}, TimeObject[{20, 23, 52.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 901484.|>, <|"Date" -> DateObject[{2014, 6, 19}, TimeObject[{22, 35, 41.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "VA mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Ditech Financial LLC", "State" -> "GA", "ZIPCode" -> "30088", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 19}, TimeObject[{22, 37, 8.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 901571.|>, <|"Date" -> DateObject[{2014, 6, 19}, TimeObject[{22, 39, 47.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Deposits and withdrawals", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Wells Fargo & Company", "State" -> "WA", "ZIPCode" -> "98004", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 6, 23}, TimeObject[{20, 21, 8.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 902947.|>, <|"Date" -> DateObject[{2014, 6, 19}, TimeObject[{22, 40, 11.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Student loan", "SubProduct" -> "Non-federal student loan", "Issue" -> "Can't repay my loan", "SubIssue" -> "Can't temporarily postpone payments", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "JPMorgan Chase & Co.", "State" -> "VA", "ZIPCode" -> "23503", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 19}, TimeObject[{22, 52, 6.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 902949.|>, <|"Date" -> DateObject[{2014, 6, 19}, TimeObject[{22, 41, 5.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Money transfers", "SubProduct" -> "International money transfer", "Issue" -> "Money was not available when promised", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "MoneyGram", "State" 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"SubProduct" -> "Other (i.e. phone health club etc.)", "Issue" -> "Disclosure verification of debt", "SubIssue" -> "Not given enough info to verify debt", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Debt Recovery Solutions, LLC", "State" -> "FL", "ZIPCode" -> "33908", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 6, 24}, TimeObject[{12, 32, 13.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 902960.|>, <|"Date" -> DateObject[{2014, 6, 19}, TimeObject[{22, 49, 51.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Credit card", "Issue" -> "Communication tactics", "SubIssue" -> "Frequent or repeated calls", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Encore Capital Group", "State" -> "FL", "ZIPCode" -> "33414", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 23}, TimeObject[{20, 0, 36.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 902964.|>, <|"Date" -> DateObject[{2014, 6, 19}, TimeObject[{22, 54, 1.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Payday loan", "Issue" -> "Communication tactics", "SubIssue" -> "Threatened to take legal action", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Midwest Fidelity Services, LLC", "State" -> "MA", "ZIPCode" -> "01950", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 19}, TimeObject[{23, 7, 5.}, TimeZone -> -5.], TimeZone -> -5.], 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"", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 20}, TimeObject[{0, 52, 5.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 903549.|>, <|"Date" -> DateObject[{2014, 6, 20}, TimeObject[{0, 50, 7.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional adjustable mortgage (ARM)", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Ocwen", "State" -> "CA", "ZIPCode" -> "93301", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 20}, TimeObject[{0, 52, 6.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", 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DateObject[{2014, 6, 20}, TimeObject[{16, 48, 30.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "I do not know", "Issue" -> "Cont'd attempts collect debt not owed", "SubIssue" -> "Debt is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Encore Capital Group", "State" -> "CA", "ZIPCode" -> "95928", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 20}, TimeObject[{16, 52, 12.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 904048.|>, <|"Date" -> DateObject[{2014, 6, 20}, TimeObject[{16, 48, 30.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "(CD) Certificate of deposit", "Issue" -> "Account opening, closing, or management", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "HSBC North America Holdings Inc.", "State" -> "NY", "ZIPCode" -> "13029", "Tags" -> "Older American", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Postal mail", "DateSent" -> DateObject[{2014, 6, 24}, TimeObject[{17, 29, 17.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 904049.|>, <|"Date" -> DateObject[{2014, 6, 20}, TimeObject[{16, 49, 5.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Consumer Loan", "SubProduct" -> "Vehicle loan", "Issue" -> "Taking out the loan or lease", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "FC HoldCo LLC", "State" -> "FL", "ZIPCode" -> "32526", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 24}, TimeObject[{18, 0, 23.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 904051.|>, <|"Date" -> DateObject[{2014, 6, 20}, TimeObject[{16, 50, 2.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Account opening, closing, or management", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "SunTrust Banks, Inc.", "State" -> "NC", "ZIPCode" -> "28273", "Tags" -> "Older American", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 20}, TimeObject[{16, 52, 13.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 904053.|>, <|"Date" -> DateObject[{2014, 6, 20}, TimeObject[{16, 50, 33.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional fixed mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Ditech Financial LLC", "State" -> "GA", "ZIPCode" -> "30022", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Phone", "DateSent" -> DateObject[{2014, 6, 24}, TimeObject[{14, 39, 13.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 904054.|>, <|"Date" -> DateObject[{2014, 6, 20}, TimeObject[{16, 50, 40.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Student loan", "SubProduct" -> "Non-federal student loan", "Issue" -> "Can't repay my loan", "SubIssue" -> "Can't get flexible payment options", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Navient Solutions, Inc.", "State" -> "MO", "ZIPCode" -> "63114", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 20}, TimeObject[{16, 52, 13.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 904055.|>, <|"Date" -> DateObject[{2014, 6, 20}, TimeObject[{16, 51, 42.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Account status", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Experian", "State" -> "CA", "ZIPCode" -> "94534", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Postal mail", "DateSent" -> DateObject[{2014, 7, 2}, TimeObject[{20, 0, 34.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 903391.|>, <|"Date" -> DateObject[{2014, 6, 20}, TimeObject[{16, 51, 55.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit card", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Other", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Bank of America", "State" -> "IA", "ZIPCode" -> "52245", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Postal mail", "DateSent" -> DateObject[{2014, 6, 24}, TimeObject[{14, 49, 35.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 904058.|>, <|"Date" -> DateObject[{2014, 6, 20}, TimeObject[{16, 53, 3.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Student loan", "SubProduct" -> "Non-federal student loan", "Issue" -> "Dealing with my lender or servicer", "SubIssue" -> "Trouble with how payments are handled", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Navient Solutions, Inc.", "State" -> "PA", "ZIPCode" -> "17601", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 20}, TimeObject[{17, 7, 10.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 904060.|>, <|"Date" -> DateObject[{2014, 6, 20}, TimeObject[{16, 53, 48.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional fixed mortgage", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "21st Mortgage Corporation", "State" -> "WI", "ZIPCode" -> "54956", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 20}, TimeObject[{17, 7, 9.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 904063.|>, <|"Date" -> DateObject[{2014, 6, 20}, TimeObject[{16, 54, 43.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Money transfers", "SubProduct" -> "Domestic (US) money transfer", "Issue" -> "Fraud or scam", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "PayPal Holdings, Inc.", "State" -> "CA", "ZIPCode" -> "92618", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 20}, TimeObject[{17, 7, 11.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 904070.|>, <|"Date" -> DateObject[{2014, 6, 20}, TimeObject[{16, 55, 3.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Federal student loan", "Issue" -> "Improper contact or sharing of info", "SubIssue" -> "Talked to a third party about my debt", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Performant Financial Corporation", "State" -> "FL", "ZIPCode" -> "32221", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 20}, TimeObject[{17, 7, 12.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 904072.|>, <|"Date" -> DateObject[{2014, 6, 20}, TimeObject[{16, 55, 16.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Credit card", "Issue" -> "Improper contact or sharing of info", "SubIssue" -> "Talked to a third party about my debt", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Synchrony Financial", "State" -> "OR", "ZIPCode" -> "97222", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 20}, TimeObject[{17, 7, 11.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 904076.|>, <|"Date" -> DateObject[{2014, 6, 20}, TimeObject[{16, 58, 6.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Credit card", "Issue" -> "Cont'd attempts collect debt not owed", "SubIssue" -> "Debt is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Amex", "State" -> "CA", "ZIPCode" -> "90064", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 23}, TimeObject[{20, 52, 15.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 904081.|>, <|"Date" -> DateObject[{2014, 6, 20}, TimeObject[{17, 0, 17.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "I do not know", "Issue" -> "Improper contact or sharing of info", "SubIssue" -> "Talked to a third party about my debt", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Pinnacle Credit Services, LLC", "State" -> "NY", "ZIPCode" -> "11219", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 20}, TimeObject[{17, 7, 13.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 904091.|>, <|"Date" -> DateObject[{2014, 6, 20}, TimeObject[{17, 1, 15.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Personal information", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Experian", "State" -> "CO", "ZIPCode" -> "81019", "Tags" -> "Older American", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 20}, TimeObject[{17, 7, 13.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 904094.|>, <|"Date" -> DateObject[{2014, 6, 20}, TimeObject[{17, 1, 24.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Other (i.e. phone health club etc.)", "Issue" -> "Communication tactics", "SubIssue" -> "Frequent or repeated calls", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Van Ru Credit Corporation", "State" -> "DC", "ZIPCode" -> "20011", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Phone", "DateSent" -> DateObject[{2014, 7, 8}, TimeObject[{16, 12, 39.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 904095.|>, <|"Date" -> DateObject[{2014, 6, 20}, TimeObject[{17, 2, 32.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Personal information", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Experian", "State" -> "MI", "ZIPCode" -> "48735", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 20}, TimeObject[{17, 7, 14.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> Missing["NotApplicable"], "ComplaintID" -> 904097.|>, <|"Date" -> DateObject[{2014, 6, 20}, TimeObject[{17, 4, 55.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional adjustable mortgage (ARM)", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Citibank", "State" -> "CA", "ZIPCode" -> "95762", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 24}, TimeObject[{18, 42, 43.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 905046.|>, <|"Date" -> DateObject[{2014, 6, 20}, TimeObject[{17, 5, 3.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit card", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Other fee", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Citibank", "State" -> "FL", "ZIPCode" -> "33154", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 6, 24}, TimeObject[{17, 17, 42.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 903474.|>, <|"Date" -> DateObject[{2014, 6, 20}, TimeObject[{17, 6, 2.}, TimeZone 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"CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Experian", "State" -> "CA", "ZIPCode" -> "90064", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 23}, TimeObject[{20, 54, 6.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 904082.|>, <|"Date" -> DateObject[{2014, 6, 20}, TimeObject[{17, 7, 57.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional fixed mortgage", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Quicken Loans", "State" -> "CA", "ZIPCode" -> "92679", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 20}, TimeObject[{17, 22, 7.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 904116.|>, <|"Date" -> DateObject[{2014, 6, 20}, TimeObject[{17, 8, 2.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Account opening, closing, or management", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "TCF National Bank", "State" -> "MN", "ZIPCode" -> "55447", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 6, 24}, TimeObject[{18, 13, 35.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 903477.|>, <|"Date" -> DateObject[{2014, 6, 20}, TimeObject[{17, 9, 16.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Personal information", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Equifax", "State" -> "CA", "ZIPCode" -> "90403", "Tags" -> "Older American", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Postal mail", "DateSent" -> DateObject[{2014, 7, 2}, TimeObject[{16, 50, 13.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> Missing["NotApplicable"], "ComplaintID" -> 904121.|>, <|"Date" -> DateObject[{2014, 6, 20}, TimeObject[{17, 10, 2.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Ocwen", "State" -> "TX", "ZIPCode" -> "77479", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 6, 24}, TimeObject[{15, 17, 46.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 904386.|>, <|"Date" -> DateObject[{2014, 6, 20}, TimeObject[{17, 10, 30.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit card", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Identity theft / Fraud / Embezzlement", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Amex", "State" -> "MA", "ZIPCode" -> "01841", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Postal mail", "DateSent" -> DateObject[{2014, 7, 25}, TimeObject[{19, 53, 15.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 904125.|>, <|"Date" -> DateObject[{2014, 6, 20}, TimeObject[{17, 11, 1.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "I do not know", "Issue" -> "Communication tactics", "SubIssue" -> "Frequent or repeated calls", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Encore Capital Group", "State" -> "VA", "ZIPCode" -> "24501", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 20}, TimeObject[{17, 22, 9.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 904126.|>, <|"Date" -> DateObject[{2014, 6, 20}, TimeObject[{17, 11, 1.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> 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"84029", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 24}, TimeObject[{16, 30, 1.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 903365.|>, <|"Date" -> DateObject[{2014, 6, 20}, TimeObject[{19, 51, 14.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Payday loan", "Issue" -> "Communication tactics", "SubIssue" -> "Frequent or repeated calls", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Community Choice Financial, Inc.", "State" -> "TX", "ZIPCode" -> "78728", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Phone", "DateSent" -> DateObject[{2014, 6, 24}, TimeObject[{17, 27, 13.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", 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TimeObject[{19, 36, 23.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 904773.|>, <|"Date" -> DateObject[{2014, 6, 20}, TimeObject[{22, 23, 46.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Other (i.e. phone health club etc.)", "Issue" -> "Cont'd attempts collect debt not owed", "SubIssue" -> "Debt is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Encore Capital Group", "State" -> "NJ", "ZIPCode" -> "08882", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 6, 25}, TimeObject[{18, 12, 15.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 904776.|>, <|"Date" -> DateObject[{2014, 6, 20}, 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Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Equifax", "State" -> "CA", "ZIPCode" -> "95121", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 20}, TimeObject[{22, 37, 6.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> Missing["NotApplicable"], "ComplaintID" -> 904778.|>, <|"Date" -> DateObject[{2014, 6, 20}, TimeObject[{22, 27, 9.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Credit card", "Issue" -> "Taking/threatening an illegal action", "SubIssue" -> "Threatened to sue on too old debt", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Cavalry Investments, LLC", "State" -> "FL", "ZIPCode" -> "33071", "Tags" -> "Servicemember", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 25}, TimeObject[{19, 59, 26.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 904780.|>, <|"Date" -> DateObject[{2014, 6, 20}, TimeObject[{22, 28, 51.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional fixed mortgage", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Ocwen", "State" -> "IL", "ZIPCode" -> "60613", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 20}, TimeObject[{22, 37, 7.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 904782.|>, <|"Date" -> DateObject[{2014, 6, 20}, TimeObject[{22, 38, 33.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Credit reporting company's investigation", "SubIssue" -> "Inadequate help over the phone", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Experian", "State" -> "NY", "ZIPCode" -> "11105", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 20}, TimeObject[{22, 52, 5.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 904792.|>, <|"Date" -> DateObject[{2014, 6, 20}, TimeObject[{22, 45, 31.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit card", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Late fee", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Citibank", "State" -> "CO", "ZIPCode" -> "80904", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 20}, TimeObject[{22, 52, 6.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 905102.|>, <|"Date" -> DateObject[{2014, 6, 20}, TimeObject[{22, 47, 9.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Account opening, closing, or management", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Bank of America", "State" -> "CA", "ZIPCode" -> "93613", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Phone", "DateSent" -> DateObject[{2014, 6, 24}, TimeObject[{21, 14, 43.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 904796.|>, <|"Date" -> DateObject[{2014, 6, 20}, TimeObject[{22, 49, 31.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Payday loan", "SubProduct" -> "Payday loan", "Issue" -> "Applied for loan/did not receive money", "SubIssue" -> "Applied for loan/did not receive money", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Enova International, Inc.", "State" -> "OH", "ZIPCode" -> "43228", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Phone", "DateSent" -> DateObject[{2014, 6, 24}, TimeObject[{20, 20, 58.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 904799.|>, <|"Date" -> DateObject[{2014, 6, 20}, TimeObject[{22, 50, 11.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional fixed mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Ocwen", "State" -> "CA", "ZIPCode" -> "90805", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 20}, TimeObject[{22, 52, 7.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 903303.|>, <|"Date" -> DateObject[{2014, 6, 20}, TimeObject[{22, 57, 25.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit card", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Other", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Citibank", "State" -> "CO", "ZIPCode" -> "80437", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Phone", "DateSent" -> DateObject[{2014, 6, 24}, TimeObject[{20, 38, 55.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 903458.|>, <|"Date" -> DateObject[{2014, 6, 20}, TimeObject[{22, 58, 26.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Payday loan", "Issue" -> "Taking/threatening an illegal action", "SubIssue" -> "Threatened arrest/jail if do not pay", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Turning Point Solutions LLC", "State" -> "CA", "ZIPCode" -> "90254", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 24}, TimeObject[{20, 59, 28.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 903444.|>, <|"Date" -> DateObject[{2014, 6, 20}, TimeObject[{23, 2, 1.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional adjustable mortgage (ARM)", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Bank of America", "State" -> "FL", "ZIPCode" -> "33441", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 20}, TimeObject[{23, 7, 11.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 904808.|>, <|"Date" -> DateObject[{2014, 6, 20}, TimeObject[{23, 4, 41.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Making/receiving payments, sending money", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "CIT Bank National Association", "State" -> "CA", "ZIPCode" -> "90291", "Tags" -> "Older American", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 20}, TimeObject[{23, 7, 12.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 904810.|>, <|"Date" -> DateObject[{2014, 6, 20}, TimeObject[{23, 6, 12.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit card", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Credit determination", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Citibank", "State" -> "MD", "ZIPCode" -> "21215", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Postal mail", "DateSent" -> DateObject[{2014, 6, 24}, TimeObject[{20, 1, 56.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 904811.|>, <|"Date" -> DateObject[{2014, 6, 20}, TimeObject[{23, 7, 39.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "I do not know", "Issue" -> "Communication tactics", "SubIssue" -> "Frequent or repeated calls", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Northland Group, Inc.", "State" -> "MN", "ZIPCode" -> "55426", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Postal mail", "DateSent" -> DateObject[{2014, 6, 24}, TimeObject[{21, 4, 20.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 903392.|>, <|"Date" -> DateObject[{2014, 6, 20}, TimeObject[{23, 12, 55.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional fixed mortgage", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Nationstar Mortgage", "State" -> "IL", "ZIPCode" -> "62864", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 24}, TimeObject[{20, 21, 3.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 904821.|>, <|"Date" -> DateObject[{2014, 6, 20}, TimeObject[{23, 13, 12.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Using a debit or ATM card", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Wells Fargo & Company", "State" -> "FL", "ZIPCode" -> "32092", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Phone", "DateSent" -> DateObject[{2014, 6, 24}, TimeObject[{19, 21, 50.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 903432.|>, <|"Date" -> DateObject[{2014, 6, 20}, TimeObject[{23, 18, 52.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Bank of America", "State" -> "CA", "ZIPCode" -> "95350", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 9}, TimeObject[{11, 17, 22.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 903408.|>, <|"Date" -> DateObject[{2014, 6, 20}, TimeObject[{23, 21, 49.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional fixed mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "JPMorgan Chase & Co.", "State" -> "NY", "ZIPCode" -> "11355", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 20}, TimeObject[{23, 22, 10.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 904826.|>, <|"Date" -> DateObject[{2014, 6, 20}, TimeObject[{23, 25, 15.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Other (i.e. phone health club etc.)", "Issue" -> "Taking/threatening an illegal action", "SubIssue" -> "Threatened to sue on too old debt", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Pinnacle Credit Services, LLC", "State" -> "CA", "ZIPCode" -> "90254", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 24}, TimeObject[{20, 16, 50.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 903445.|>, <|"Date" -> DateObject[{2014, 6, 20}, TimeObject[{23, 29, 25.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Using a debit or ATM card", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "U.S. Bancorp", "State" -> "NE", "ZIPCode" -> "68154", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 20}, TimeObject[{23, 37, 6.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 903306.|>, <|"Date" -> DateObject[{2014, 6, 20}, TimeObject[{23, 30, 43.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Credit reporting company's investigation", "SubIssue" -> "Problem with statement of dispute", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Experian", "State" -> "CT", "ZIPCode" -> "06902", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 20}, TimeObject[{23, 37, 7.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 903421.|>, <|"Date" -> DateObject[{2014, 6, 20}, TimeObject[{23, 30, 44.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Using a debit or ATM card", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Regions Financial Corporation", "State" -> "TN", "ZIPCode" -> "37190", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 20}, TimeObject[{23, 37, 6.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", 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"Company" -> "Equifax", "State" -> "GA", "ZIPCode" -> "30082", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 26}, TimeObject[{12, 26, 27.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 903402.|>, <|"Date" -> DateObject[{2014, 6, 20}, TimeObject[{23, 44, 30.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Student loan", "SubProduct" -> "Non-federal student loan", "Issue" -> "Can't repay my loan", "SubIssue" -> "Can't decrease my monthly payments", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Wells Fargo & Company", "State" -> "MI", "ZIPCode" -> "48642", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 26}, TimeObject[{12, 32, 39.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed 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"SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 21}, TimeObject[{4, 7, 6.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 905252.|>, <|"Date" -> DateObject[{2014, 6, 21}, TimeObject[{4, 0, 27.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Information is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Equifax", "State" -> "TX", "ZIPCode" -> "75062", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 27}, TimeObject[{13, 23, 38.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 905176.|>, 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-> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 22}, TimeObject[{10, 22, 10.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 905465.|>, <|"Date" -> DateObject[{2014, 6, 22}, TimeObject[{10, 17, 5.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Account opening, closing, or management", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Bank of America", "State" -> "OR", "ZIPCode" -> "97504", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 22}, TimeObject[{10, 22, 11.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with monetary relief", "TimelyResponse" -> "Yes", 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"Issue" -> "Managing the loan or lease", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Navy FCU", "State" -> "NC", "ZIPCode" -> "28314", "Tags" -> "Servicemember", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 22}, TimeObject[{14, 7, 8.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 905473.|>, <|"Date" -> DateObject[{2014, 6, 22}, TimeObject[{14, 17, 31.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "FHA mortgage", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "SunTrust Banks, Inc.", "State" -> "IA", "ZIPCode" -> "50009", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 22}, TimeObject[{14, 22, 13.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 905474.|>, <|"Date" -> DateObject[{2014, 6, 22}, TimeObject[{14, 27, 35.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "I do not know", "Issue" -> "Cont'd attempts collect debt not owed", "SubIssue" -> "Debt is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Arnold Scott Harris, P.C.", "State" -> "IL", "ZIPCode" -> "60419", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 22}, TimeObject[{14, 37, 7.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", 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-> "Incorrect information on credit report", "SubIssue" -> "Public record", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Experian", "State" -> "GA", "ZIPCode" -> "30034", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 25}, TimeObject[{14, 35, 51.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 905418.|>, <|"Date" -> DateObject[{2014, 6, 22}, TimeObject[{17, 0, 4.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Payday loan", "SubProduct" -> "Payday loan", "Issue" -> "Applied for loan/did not receive money", "SubIssue" -> "Applied for loan/did not receive money", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Cash America International, Inc.", "State" -> "CA", "ZIPCode" -> "93268", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 25}, TimeObject[{15, 48, 48.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 905575.|>, <|"Date" -> DateObject[{2014, 6, 22}, TimeObject[{17, 14, 39.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Account opening, closing, or management", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Wells Fargo & Company", "State" -> "DC", "ZIPCode" -> "20009", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 22}, TimeObject[{17, 22, 11.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 905498.|>, <|"Date" -> DateObject[{2014, 6, 22}, TimeObject[{17, 21, 41.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Payday loan", "Issue" -> "Improper contact or sharing of info", "SubIssue" -> "Contacted employer after asked not to", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "MNE Services, Inc", "State" -> "IN", "ZIPCode" -> "46032", "Tags" -> "Older American", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 25}, TimeObject[{15, 47, 23.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 905500.|>, <|"Date" -> DateObject[{2014, 6, 22}, TimeObject[{17, 29, 29.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional fixed mortgage", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Nationstar Mortgage", "State" -> "VA", "ZIPCode" -> "20186", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 22}, TimeObject[{17, 37, 5.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 905503.|>, <|"Date" -> DateObject[{2014, 6, 22}, TimeObject[{17, 46, 9.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional fixed mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "JPMorgan Chase & Co.", "State" -> "MD", "ZIPCode" -> "21795", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 22}, TimeObject[{17, 52, 8.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 905505.|>, <|"Date" -> DateObject[{2014, 6, 22}, TimeObject[{17, 55, 27.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "I do not know", "Issue" -> "Cont'd attempts collect debt not owed", "SubIssue" -> "Debt was paid", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Convergent Resources, Inc.", "State" -> "FL", "ZIPCode" -> "33916", "Tags" -> "Older American", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 26}, TimeObject[{17, 31, 1.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 905506.|>, <|"Date" -> DateObject[{2014, 6, 22}, TimeObject[{18, 2, 51.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Public record", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "TransUnion Intermediate Holdings, Inc.", "State" -> "TN", "ZIPCode" -> "38118", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 10}, TimeObject[{19, 0, 49.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> Missing["NotApplicable"], "ComplaintID" -> 905507.|>, <|"Date" -> DateObject[{2014, 6, 22}, TimeObject[{18, 8, 24.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit card", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Balance transfer", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Capital One", "State" -> "PA", "ZIPCode" -> "15224", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 22}, TimeObject[{18, 22, 9.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 905510.|>, <|"Date" -> DateObject[{2014, 6, 22}, TimeObject[{18, 12, 21.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional fixed mortgage", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Ditech Financial LLC", "State" -> "NJ", "ZIPCode" -> "08723", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 22}, TimeObject[{18, 22, 10.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 905511.|>, <|"Date" -> DateObject[{2014, 6, 22}, TimeObject[{18, 23, 42.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Problems caused by my funds being low", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "BOK Financial Corp", "State" -> "OK", "ZIPCode" -> "74053", "Tags" -> "Older American", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 22}, TimeObject[{18, 37, 6.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 905401.|>, <|"Date" -> DateObject[{2014, 6, 22}, TimeObject[{18, 27, 9.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit card", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Identity theft / Fraud / Embezzlement", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "JPMorgan Chase & Co.", "State" -> "TX", "ZIPCode" -> "78559", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 25}, TimeObject[{13, 55, 31.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 905513.|>, <|"Date" -> DateObject[{2014, 6, 22}, TimeObject[{18, 38, 45.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Deposits and withdrawals", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "KeyBank NA", "State" -> "OR", "ZIPCode" -> "97415", "Tags" -> "Older American, Servicemember", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 22}, TimeObject[{18, 52, 6.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 905573.|>, <|"Date" -> DateObject[{2014, 6, 22}, TimeObject[{18, 42, 25.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Information is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Equifax", "State" -> "TX", "ZIPCode" -> "75092", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 22}, TimeObject[{18, 52, 8.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> Missing["NotApplicable"], "ComplaintID" -> 905515.|>, <|"Date" -> DateObject[{2014, 6, 22}, TimeObject[{18, 50, 26.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Medical", "Issue" -> "Communication tactics", "SubIssue" -> "Called after sent written cease of comm", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Herbert P. Sears Co., Inc.", "State" -> "CA", "ZIPCode" -> "95237", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 25}, TimeObject[{14, 30, 5.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 905509.|>, <|"Date" -> DateObject[{2014, 6, 22}, TimeObject[{18, 50, 34.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Information is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Experian", "State" -> "TX", "ZIPCode" -> "75092", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 22}, TimeObject[{18, 52, 11.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 905516.|>, <|"Date" -> DateObject[{2014, 6, 22}, TimeObject[{18, 59, 31.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Unable to get credit report/credit score", "SubIssue" -> "Problem getting report or credit score", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Experian", "State" -> "MA", "ZIPCode" -> "02141", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 22}, TimeObject[{19, 7, 8.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 905426.|>, <|"Date" -> DateObject[{2014, 6, 22}, TimeObject[{19, 9, 16.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Credit card", "Issue" -> "Cont'd attempts collect debt not owed", "SubIssue" -> "Debt is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Encore Capital Group", "State" -> "DC", "ZIPCode" -> "20016", "Tags" -> "Older American", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 1}, TimeObject[{19, 8, 39.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 905521.|>, <|"Date" -> DateObject[{2014, 6, 22}, TimeObject[{19, 11, 22.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Credit card", "Issue" -> "Communication tactics", "SubIssue" -> "Called outside of 8am-9pm", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Encore Capital Group", "State" -> "OR", "ZIPCode" -> "97214", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 22}, TimeObject[{19, 22, 12.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 905523.|>, <|"Date" -> DateObject[{2014, 6, 22}, TimeObject[{19, 21, 23.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Reverse mortgage", "Issue" -> "Credit decision / Underwriting", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Select Portfolio Servicing, Inc", "State" -> "WA", "ZIPCode" -> "98056", "Tags" -> "Older American", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 22}, TimeObject[{19, 22, 15.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 905408.|>, <|"Date" -> DateObject[{2014, 6, 22}, TimeObject[{19, 28, 30.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Credit card", "Issue" -> "Taking/threatening an illegal action", "SubIssue" -> "Threatened to sue on too old debt", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Encore Capital Group", "State" -> "IN", "ZIPCode" -> "46323", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 27}, TimeObject[{13, 26, 43.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 905527.|>, <|"Date" -> DateObject[{2014, 6, 22}, TimeObject[{20, 7, 21.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> 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-> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 22}, TimeObject[{20, 22, 11.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 905530.|>, <|"Date" -> DateObject[{2014, 6, 22}, TimeObject[{20, 39, 54.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Other (i.e. phone health club etc.)", "Issue" -> "Cont'd attempts collect debt not owed", "SubIssue" -> "Debt was paid", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Diversified Consultants, Inc.", "State" -> "CA", "ZIPCode" -> "90242", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 22}, TimeObject[{20, 52, 11.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 905531.|>, <|"Date" -> DateObject[{2014, 6, 22}, TimeObject[{20, 41, 12.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Medical", "Issue" -> "Cont'd attempts collect debt not owed", "SubIssue" -> "Debt was paid", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Debt Recovery Solutions, LLC", "State" -> "PA", "ZIPCode" -> "19131", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 22}, TimeObject[{20, 52, 11.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 905533.|>, <|"Date" -> DateObject[{2014, 6, 22}, TimeObject[{20, 42, 14.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Credit card", "Issue" -> "Cont'd attempts collect debt not owed", 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"Web", "DateSent" -> DateObject[{2014, 6, 22}, TimeObject[{20, 52, 13.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 905535.|>, <|"Date" -> DateObject[{2014, 6, 22}, TimeObject[{20, 48, 41.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Deposits and withdrawals", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Wells Fargo & Company", "State" -> "NC", "ZIPCode" -> "28462", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 22}, TimeObject[{14, 14, 31.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 905403.|>, <|"Date" -> 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"Company" -> "Rent Recovery Solutions", "State" -> "TX", "ZIPCode" -> "75227", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 23}, TimeObject[{15, 7, 15.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 906114.|>, <|"Date" -> DateObject[{2014, 6, 23}, TimeObject[{15, 7, 3.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Credit card", "Issue" -> "Communication tactics", "SubIssue" -> "Threatened to take legal action", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Glasser and Glasser, PLC", "State" -> "VA", "ZIPCode" -> "23228", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 25}, TimeObject[{17, 50, 55.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> 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-> "EOS Holdings, Inc.", "State" -> "ID", "ZIPCode" -> "83607", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 23}, TimeObject[{15, 22, 14.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 906121.|>, <|"Date" -> DateObject[{2014, 6, 23}, TimeObject[{15, 7, 50.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Using a debit or ATM card", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "JPMorgan Chase & Co.", "State" -> "OH", "ZIPCode" -> "44118", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 23}, TimeObject[{15, 22, 15.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 905583.|>, <|"Date" -> DateObject[{2014, 6, 23}, TimeObject[{15, 7, 55.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit card", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Closing/Cancelling account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Bank of America", "State" -> "PA", "ZIPCode" -> "17011", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Postal mail", "DateSent" -> DateObject[{2014, 6, 25}, TimeObject[{17, 1, 10.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 906123.|>, <|"Date" -> DateObject[{2014, 6, 23}, TimeObject[{15, 8, 32.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional adjustable mortgage (ARM)", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Nationstar Mortgage", "State" -> "FL", "ZIPCode" -> "33134", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 23}, TimeObject[{15, 22, 17.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 905653.|>, <|"Date" -> DateObject[{2014, 6, 23}, TimeObject[{15, 8, 47.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit card", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Closing/Cancelling account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "JPMorgan Chase & Co.", "State" -> "CA", "ZIPCode" -> "90731", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Postal mail", "DateSent" -> DateObject[{2014, 6, 25}, TimeObject[{18, 11, 46.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 906124.|>, <|"Date" -> DateObject[{2014, 6, 23}, TimeObject[{15, 9, 26.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Other (i.e. phone health club etc.)", "Issue" -> "Cont'd attempts collect debt not owed", "SubIssue" -> "Debt was paid", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "TD Bank US Holding Company", "State" -> "NY", "ZIPCode" -> "10573", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Phone", "DateSent" -> DateObject[{2014, 6, 25}, TimeObject[{17, 52, 25.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with 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"Federal student loan", "Issue" -> "Communication tactics", "SubIssue" -> "Frequent or repeated calls", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Navient Solutions, Inc.", "State" -> "MI", "ZIPCode" -> "48235", "Tags" -> "Older American", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Postal mail", "DateSent" -> DateObject[{2014, 7, 30}, TimeObject[{14, 41, 57.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 905734.|>, <|"Date" -> DateObject[{2014, 6, 23}, TimeObject[{15, 16, 51.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Account status", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "TransUnion Intermediate Holdings, Inc.", "State" -> "PA", "ZIPCode" -> "19142", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Postal mail", "DateSent" -> DateObject[{2014, 7, 10}, TimeObject[{18, 59, 42.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 905699.|>, <|"Date" -> DateObject[{2014, 6, 23}, TimeObject[{15, 23, 22.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Wells Fargo & Company", "State" -> "TN", "ZIPCode" -> "37211", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 6, 25}, TimeObject[{18, 42, 35.}, TimeZone -> -5.], TimeZone -> -5.], 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-> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 23}, TimeObject[{18, 37, 8.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 906819.|>, <|"Date" -> DateObject[{2014, 6, 23}, TimeObject[{18, 26, 42.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Other bank product/service", "Issue" -> "Making/receiving payments, sending money", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Castle & Cooke Mortgage", "State" -> "NV", "ZIPCode" -> "89012", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Phone", "DateSent" -> DateObject[{2014, 7, 2}, TimeObject[{15, 28, 56.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 905825.|>, <|"Date" -> DateObject[{2014, 6, 23}, TimeObject[{18, 28, 42.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Account status", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "TransUnion Intermediate Holdings, Inc.", "State" -> "CA", "ZIPCode" -> "91001", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 25}, TimeObject[{19, 53, 49.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 905847.|>, <|"Date" -> DateObject[{2014, 6, 23}, TimeObject[{18, 28, 58.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "I do not know", "Issue" -> 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"SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Ocwen", "State" -> "VA", "ZIPCode" -> "23430", "Tags" -> "Servicemember", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 24}, TimeObject[{6, 7, 4.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 907883.|>, <|"Date" -> DateObject[{2014, 6, 24}, TimeObject[{6, 10, 22.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit card", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Credit card protection / Debt protection", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Amex", "State" -> "CA", "ZIPCode" -> "92630", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 24}, TimeObject[{6, 22, 9.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 908212.|>, <|"Date" -> DateObject[{2014, 6, 24}, TimeObject[{7, 17, 32.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional fixed mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Ditech Financial LLC", "State" -> "", "ZIPCode" -> "", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 26}, TimeObject[{13, 5, 50.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 908214.|>, <|"Date" -> DateObject[{2014, 6, 24}, TimeObject[{7, 42, 46.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Public record", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "TransUnion Intermediate Holdings, Inc.", "State" -> "CA", "ZIPCode" -> "92139", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 24}, TimeObject[{7, 52, 7.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 908216.|>, <|"Date" -> DateObject[{2014, 6, 24}, TimeObject[{8, 11, 44.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional fixed mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "JPMorgan Chase & Co.", "State" -> "FL", "ZIPCode" -> "33067", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 24}, TimeObject[{8, 22, 10.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 908217.|>, <|"Date" -> DateObject[{2014, 6, 24}, TimeObject[{8, 12, 20.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Account opening, closing, or management", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Bank of America", "State" -> "CA", "ZIPCode" -> "92704", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 24}, TimeObject[{8, 22, 11.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 908219.|>, <|"Date" -> DateObject[{2014, 6, 24}, TimeObject[{8, 32, 4.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional adjustable mortgage (ARM)", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Carrington Mortgage Holdings, LLC.", "State" -> "CA", "ZIPCode" -> "90606", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 24}, TimeObject[{8, 37, 10.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 909526.|>, <|"Date" -> DateObject[{2014, 6, 24}, TimeObject[{8, 41, 7.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Payday loan", "Issue" -> "Improper contact or sharing of info", "SubIssue" -> "Contacted employer after asked not to", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "World Acceptance Corporation", "State" -> "TX", "ZIPCode" -> "78041", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 30}, TimeObject[{12, 2, 29.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "No", "ConsumerDisputed" -> "No", "ComplaintID" -> 908220.|>, <|"Date" -> DateObject[{2014, 6, 24}, TimeObject[{9, 0, 41.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "FHA mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" 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24}, TimeObject[{10, 32, 42.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Account status", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Experian", "State" -> "NC", "ZIPCode" -> "27514", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 24}, TimeObject[{10, 37, 9.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 907659.|>, <|"Date" -> DateObject[{2014, 6, 24}, TimeObject[{10, 39, 20.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Public record", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "TransUnion Intermediate Holdings, Inc.", "State" -> "CA", "ZIPCode" -> "95125", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 26}, TimeObject[{14, 12, 4.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 908225.|>, <|"Date" -> DateObject[{2014, 6, 24}, TimeObject[{10, 40, 8.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Account status", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Equifax", "State" -> "NC", "ZIPCode" -> "27514", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 24}, TimeObject[{10, 52, 12.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 907660.|>, <|"Date" -> DateObject[{2014, 6, 24}, TimeObject[{10, 48, 2.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Account status", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "TransUnion Intermediate Holdings, Inc.", "State" -> "NC", "ZIPCode" -> "27514", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 24}, TimeObject[{10, 52, 12.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 907661.|>, <|"Date" -> DateObject[{2014, 6, 24}, TimeObject[{10, 59, 32.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Improper use of my credit report", "SubIssue" -> "Report improperly shared by CRC", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "TransUnion Intermediate Holdings, Inc.", "State" -> "NY", "ZIPCode" -> "11357", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 26}, TimeObject[{14, 10, 26.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 907675.|>, <|"Date" -> DateObject[{2014, 6, 24}, TimeObject[{11, 24, 53.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Reinserted previously 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6, 26}, TimeObject[{13, 22, 1.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 908618.|>, <|"Date" -> DateObject[{2014, 6, 24}, TimeObject[{12, 10, 3.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "U.S. Bancorp", "State" -> "MA", "ZIPCode" -> "02184", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 6, 26}, TimeObject[{13, 24, 50.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 909355.|>, <|"Date" -> DateObject[{2014, 6, 24}, TimeObject[{12, 11, 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TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 908244.|>, <|"Date" -> DateObject[{2014, 6, 24}, TimeObject[{12, 14, 2.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Student loan", "SubProduct" -> "Non-federal student loan", "Issue" -> "Can't repay my loan", "SubIssue" -> "Can't decrease my monthly payments", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "AES/PHEAA", "State" -> "NH", "ZIPCode" -> "03102", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 6, 26}, TimeObject[{13, 37, 1.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 909377.|>, <|"Date" -> DateObject[{2014, 6, 24}, TimeObject[{12, 17, 2.}, TimeZone -> -5.], TimeZone -> -5.], 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-5.], TimeZone -> -5.], "Product" -> "Student loan", "SubProduct" -> "Non-federal student loan", "Issue" -> "Dealing with my lender or servicer", "SubIssue" -> "Having problems with customer service", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Navient Solutions, Inc.", "State" -> "NJ", "ZIPCode" -> "07642", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 24}, TimeObject[{13, 52, 10.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 908298.|>, <|"Date" -> DateObject[{2014, 6, 24}, TimeObject[{13, 56, 18.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Other (i.e. phone health club etc.)", "Issue" -> "Disclosure verification of debt", "SubIssue" -> "Not given enough info to verify debt", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Mercantile Adjustment Bureau, LLC", "State" -> "CO", "ZIPCode" -> "80013", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 24}, TimeObject[{14, 7, 11.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 907685.|>, <|"Date" -> DateObject[{2014, 6, 24}, TimeObject[{13, 56, 18.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Other (i.e. phone health club etc.)", "Issue" -> "Disclosure verification of debt", "SubIssue" -> "Not given enough info to verify debt", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "KeyBank NA", "State" -> "CO", "ZIPCode" -> "80013", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" 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"CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Exeter Finance Corp", "State" -> "TN", "ZIPCode" -> "37098", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 24}, TimeObject[{14, 37, 12.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 908332.|>, <|"Date" -> DateObject[{2014, 6, 24}, TimeObject[{14, 27, 59.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Medical", "Issue" -> "Disclosure verification of debt", "SubIssue" -> "Not given enough info to verify debt", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Capital Accounts, LLC", "State" -> "NY", "ZIPCode" -> "11746", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 24}, TimeObject[{14, 37, 12.}, 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Missing["NotApplicable"], "Company" -> "BB&T Financial", "State" -> "GA", "ZIPCode" -> "30180", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 6, 26}, TimeObject[{18, 0, 33.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 908746.|>, <|"Date" -> DateObject[{2014, 6, 24}, TimeObject[{14, 35, 23.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "JPMorgan Chase & Co.", "State" -> "TX", "ZIPCode" -> "77070", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Postal mail", "DateSent" -> DateObject[{2014, 6, 26}, TimeObject[{16, 35, 1.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 908346.|>, <|"Date" -> DateObject[{2014, 6, 24}, TimeObject[{14, 39, 38.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Other (i.e. phone health club etc.)", "Issue" -> "Cont'd attempts collect debt not owed", "SubIssue" -> "Debt is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "CL Holdings, LLC", "State" -> "AZ", "ZIPCode" -> "85301", "Tags" -> "Servicemember", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 24}, TimeObject[{14, 52, 8.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 908352.|>, <|"Date" -> DateObject[{2014, 6, 24}, TimeObject[{14, 40, 50.}, TimeZone -> -5.], TimeZone -> 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Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Westlake Services, LLC", "State" -> "GA", "ZIPCode" -> "30080", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Phone", "DateSent" -> DateObject[{2014, 6, 26}, TimeObject[{16, 53, 1.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 907777.|>, <|"Date" -> DateObject[{2014, 6, 24}, TimeObject[{14, 45, 9.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Other (i.e. phone health club etc.)", "Issue" -> "Communication tactics", "SubIssue" -> "Frequent or repeated calls", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Delbert Services", "State" -> "TX", "ZIPCode" -> "77048", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 24}, TimeObject[{14, 52, 10.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 908359.|>, <|"Date" -> DateObject[{2014, 6, 24}, TimeObject[{14, 46, 37.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit card", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "APR or interest rate", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Citibank", "State" -> "NY", "ZIPCode" -> "11427", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 24}, TimeObject[{14, 52, 11.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 908361.|>, <|"Date" -> DateObject[{2014, 6, 24}, TimeObject[{14, 50, 8.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Account status", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "TransUnion Intermediate Holdings, Inc.", "State" -> "TX", "ZIPCode" -> "78664", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 24}, TimeObject[{14, 52, 13.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 907868.|>, <|"Date" -> DateObject[{2014, 6, 24}, TimeObject[{14, 50, 29.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit card", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Billing disputes", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Citibank", "State" -> "NY", "ZIPCode" -> "14850", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 24}, TimeObject[{14, 52, 13.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 908365.|>, <|"Date" -> DateObject[{2014, 6, 24}, TimeObject[{14, 51, 31.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Federal student loan", "Issue" -> "Communication tactics", "SubIssue" -> "Frequent or repeated calls", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Integrity Solution Services, Inc.", "State" -> "FL", "ZIPCode" -> "33147", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 18}, TimeObject[{18, 37, 18.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 908366.|>, <|"Date" -> DateObject[{2014, 6, 24}, TimeObject[{14, 51, 57.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Auto", "Issue" -> "False statements or representation", "SubIssue" -> "Attempted to collect wrong amount", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Rubin & Rothman, LLC", "State" -> "NY", "ZIPCode" -> "11803", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 26}, TimeObject[{17, 48, 52.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 908367.|>, <|"Date" -> DateObject[{2014, 6, 24}, TimeObject[{14, 51, 58.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Auto", "Issue" -> "False statements or representation", "SubIssue" -> "Attempted to collect wrong amount", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Ford Motor Credit Company", "State" -> "NY", "ZIPCode" -> "11803", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 26}, TimeObject[{15, 59, 16.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 908368.|>, <|"Date" -> DateObject[{2014, 6, 24}, TimeObject[{14, 52, 37.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional fixed mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "U.S. Bancorp", "State" -> "AZ", "ZIPCode" -> "85019", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 24}, TimeObject[{15, 7, 8.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 907731.|>, <|"Date" -> DateObject[{2014, 6, 24}, TimeObject[{14, 57, 37.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "I do not know", "Issue" -> "Taking/threatening an illegal action", "SubIssue" -> "Threatened arrest/jail if do not pay", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Enhanced Acquisitions, LLC", "State" -> "TX", "ZIPCode" -> "75051", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 24}, TimeObject[{15, 7, 9.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> 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-> "Conventional fixed mortgage", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "JPMorgan Chase & Co.", "State" -> "WI", "ZIPCode" -> "53714", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 24}, TimeObject[{15, 7, 11.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 909533.|>, <|"Date" -> DateObject[{2014, 6, 24}, TimeObject[{15, 4, 25.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Home equity loan or line of credit", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" 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-> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Bank of America", "State" -> "CA", "ZIPCode" -> "91750", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Postal mail", "DateSent" -> DateObject[{2014, 6, 26}, TimeObject[{15, 43, 48.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 908438.|>, <|"Date" -> DateObject[{2014, 6, 24}, TimeObject[{15, 37, 1.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Wells Fargo & Company", "State" -> "MD", "ZIPCode" -> "20772", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 6, 26}, TimeObject[{15, 54, 32.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 908980.|>, <|"Date" -> DateObject[{2014, 6, 24}, TimeObject[{15, 38, 2.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit card", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Customer service / Customer relations", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Citibank", "State" -> "MI", "ZIPCode" -> "48126", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 6, 26}, TimeObject[{16, 4, 3.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 909007.|>, <|"Date" -> DateObject[{2014, 6, 24}, TimeObject[{15, 38, 39.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit card", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Billing disputes", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Citibank", "State" -> "CA", "ZIPCode" -> "91750", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Postal mail", "DateSent" -> DateObject[{2014, 6, 26}, TimeObject[{16, 18, 25.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 908439.|>, <|"Date" -> DateObject[{2014, 6, 24}, TimeObject[{15, 38, 57.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Bank of America", "State" -> "FL", "ZIPCode" -> "32216", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 24}, TimeObject[{15, 52, 11.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 908443.|>, <|"Date" -> DateObject[{2014, 6, 24}, TimeObject[{15, 39, 1.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "I do not know", "Issue" -> "Cont'd attempts collect debt not owed", "SubIssue" -> "Debt is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Resurgent Capital Services L.P.", "State" -> "OR", "ZIPCode" -> "97227", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 24}, TimeObject[{15, 52, 11.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 908445.|>, <|"Date" -> DateObject[{2014, 6, 24}, TimeObject[{15, 40, 3.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Capital One", "State" -> "AZ", "ZIPCode" -> "85020", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 6, 26}, TimeObject[{16, 2, 16.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 908942.|>, <|"Date" -> DateObject[{2014, 6, 24}, TimeObject[{15, 41, 20.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit card", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Billing disputes", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Wells Fargo & Company", "State" -> "CA", "ZIPCode" -> "91750", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Postal mail", "DateSent" -> DateObject[{2014, 6, 26}, TimeObject[{16, 44, 52.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 908440.|>, <|"Date" -> DateObject[{2014, 6, 24}, TimeObject[{15, 41, 38.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "First Niagara Bank", "State" -> "NY", "ZIPCode" -> "12515", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Phone", "DateSent" -> DateObject[{2014, 6, 26}, TimeObject[{16, 15, 34.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 908393.|>, <|"Date" -> DateObject[{2014, 6, 24}, TimeObject[{15, 42, 34.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Other (i.e. phone health club etc.)", "Issue" -> "Improper contact or sharing of info", "SubIssue" -> "Contacted employer after asked not to", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Southern Management Corp", "State" -> "TX", "ZIPCode" -> "78660", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 10}, TimeObject[{10, 51, 8.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 908458.|>, <|"Date" -> DateObject[{2014, 6, 24}, TimeObject[{15, 42, 53.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Improper use of my credit report", "SubIssue" -> "Report improperly shared by CRC", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Experian", "State" -> "FL", "ZIPCode" -> "33432", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 26}, TimeObject[{16, 31, 27.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 907625.|>, <|"Date" -> DateObject[{2014, 6, 24}, TimeObject[{15, 46, 55.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Account status", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Experian", "State" -> "OH", "ZIPCode" -> "44515", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 26}, TimeObject[{16, 22, 16.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 908463.|>, <|"Date" -> DateObject[{2014, 6, 24}, TimeObject[{15, 48, 20.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Other (i.e. phone health club etc.)", "Issue" -> "Cont'd attempts collect debt not owed", "SubIssue" -> "Debt is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Encore Capital Group", "State" -> "PA", "ZIPCode" -> "19038", "Tags" -> "Older American", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 26}, TimeObject[{17, 7, 55.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 908468.|>, <|"Date" -> DateObject[{2014, 6, 24}, TimeObject[{15, 50, 5.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "I do not know", "Issue" -> "Communication tactics", "SubIssue" -> "Frequent or repeated calls", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Allied Interstate LLC", "State" -> "TX", "ZIPCode" -> "76028", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 26}, TimeObject[{16, 58, 0.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 908470.|>, <|"Date" -> DateObject[{2014, 6, 24}, TimeObject[{15, 50, 7.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Non-federal student loan", "Issue" -> "Disclosure verification of debt", "SubIssue" -> "Not given enough info to verify debt", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "National Enterprise Systems, Inc.", "State" -> "NC", "ZIPCode" -> "28401", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 26}, TimeObject[{17, 2, 21.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 908471.|>, <|"Date" -> DateObject[{2014, 6, 24}, TimeObject[{15, 50, 19.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Information is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Experian", "State" -> "FL", "ZIPCode" -> "34786", "Tags" -> "Older American", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 26}, TimeObject[{16, 18, 19.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 908472.|>, <|"Date" -> DateObject[{2014, 6, 24}, TimeObject[{15, 51, 0.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional fixed mortgage", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Wells Fargo & Company", "State" -> "FL", "ZIPCode" -> "34689", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 24}, TimeObject[{15, 52, 14.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 908473.|>, <|"Date" -> DateObject[{2014, 6, 24}, TimeObject[{15, 51, 44.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Other (i.e. phone health club etc.)", "Issue" -> "Disclosure verification of debt", "SubIssue" -> "Right to dispute notice not received", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Columbia Collection Service, Inc.", "State" -> "OR", "ZIPCode" -> "97227", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 8, 6}, TimeObject[{20, 12, 45.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 908446.|>, <|"Date" -> DateObject[{2014, 6, 24}, TimeObject[{15, 52, 34.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Home equity loan or line of credit", "Issue" -> "Settlement process and costs", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "M&T Bank Corporation", "State" -> "NY", "ZIPCode" -> "10567", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 24}, TimeObject[{16, 7, 6.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 907658.|>, <|"Date" -> DateObject[{2014, 6, 24}, TimeObject[{15, 54, 8.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Ocwen", "State" -> "MD", "ZIPCode" -> "20735", "Tags" -> "Servicemember", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 24}, TimeObject[{16, 7, 8.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 908487.|>, <|"Date" -> DateObject[{2014, 6, 24}, TimeObject[{15, 55, 13.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Problems caused by my funds being low", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "SunTrust Banks, Inc.", "State" -> "GA", "ZIPCode" -> "30168", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 24}, TimeObject[{16, 7, 9.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 908488.|>, <|"Date" -> DateObject[{2014, 6, 24}, TimeObject[{15, 55, 29.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit card", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Other", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Bank of America", "State" -> "NY", "ZIPCode" -> "12569", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 24}, TimeObject[{16, 7, 9.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 908490.|>, <|"Date" -> DateObject[{2014, 6, 24}, TimeObject[{15, 55, 56.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Information is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Equifax", "State" -> "NJ", "ZIPCode" -> "07740", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Postal mail", "DateSent" -> DateObject[{2014, 7, 8}, TimeObject[{22, 10, 34.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 908491.|>, <|"Date" -> DateObject[{2014, 6, 24}, TimeObject[{15, 58, 15.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Consumer Loan", "SubProduct" -> "Vehicle loan", "Issue" -> "Managing the loan or lease", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Lobel Financial Corporation", "State" -> "NM", "ZIPCode" -> "87004", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 26}, TimeObject[{18, 17, 52.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 908506.|>, <|"Date" -> DateObject[{2014, 6, 24}, TimeObject[{16, 0, 13.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "FHA mortgage", "Issue" -> "Settlement process and costs", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Bank of America", "State" -> "CA", "ZIPCode" -> "91324", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Phone", "DateSent" -> DateObject[{2014, 6, 26}, TimeObject[{16, 10, 24.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 908511.|>, <|"Date" -> DateObject[{2014, 6, 24}, TimeObject[{16, 1, 21.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Consumer Loan", "SubProduct" -> "Personal line of credit", "Issue" -> "Managing the line of credit", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Santander Bank US", "State" -> "MA", "ZIPCode" -> "01824", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 6, 26}, TimeObject[{16, 32, 44.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 908515.|>, <|"Date" -> DateObject[{2014, 6, 24}, TimeObject[{16, 1, 44.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Consumer Loan", "SubProduct" -> "Vehicle loan", "Issue" -> "Managing the loan or lease", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "OneMain Financial Holdings, LLC", "State" -> "WA", "ZIPCode" -> "98532", "Tags" -> "Older American", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Postal mail", "DateSent" -> DateObject[{2014, 6, 26}, TimeObject[{15, 23, 9.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 909506.|>, <|"Date" -> DateObject[{2014, 6, 24}, TimeObject[{16, 3, 11.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Other (i.e. phone health club etc.)", "Issue" -> "Cont'd attempts collect debt not owed", "SubIssue" -> "Debt was paid", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Ally Financial Inc.", "State" -> "NJ", "ZIPCode" -> "07740", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Postal mail", "DateSent" -> DateObject[{2014, 6, 26}, TimeObject[{18, 2, 4.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 908492.|>, <|"Date" -> DateObject[{2014, 6, 24}, TimeObject[{16, 3, 14.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Information is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Experian", "State" -> "NJ", "ZIPCode" -> "07740", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Postal mail", "DateSent" -> DateObject[{2014, 7, 8}, TimeObject[{22, 28, 6.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 908493.|>, <|"Date" -> DateObject[{2014, 6, 24}, TimeObject[{16, 3, 18.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Information is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "TransUnion Intermediate Holdings, Inc.", "State" -> "NJ", "ZIPCode" -> "07740", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Postal mail", "DateSent" -> DateObject[{2014, 7, 8}, TimeObject[{22, 28, 49.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 908494.|>, <|"Date" -> DateObject[{2014, 6, 24}, TimeObject[{16, 9, 26.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Payday loan", "SubProduct" -> "Payday loan", "Issue" -> "Charged fees or interest I didn't expect", "SubIssue" -> "Charged fees or interest I didn't expect", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "TMX Finance LLC", "State" -> "TN", "ZIPCode" -> "37874", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Postal mail", "DateSent" -> DateObject[{2014, 6, 26}, TimeObject[{15, 43, 48.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 908532.|>, <|"Date" -> DateObject[{2014, 6, 24}, TimeObject[{16, 9, 31.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> 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relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 908542.|>, <|"Date" -> DateObject[{2014, 6, 24}, TimeObject[{16, 16, 34.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Other (i.e. phone health club etc.)", "Issue" -> "Improper contact or sharing of info", "SubIssue" -> "Talked to a third party about my debt", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Consumer Collection Management. Inc", "State" -> "NM", "ZIPCode" -> "87123", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 26}, TimeObject[{18, 40, 57.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 908545.|>, <|"Date" -> DateObject[{2014, 6, 24}, TimeObject[{16, 18, 27.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Auto", "Issue" -> "Cont'd attempts collect debt not owed", "SubIssue" -> "Debt was discharged in bankruptcy", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Portfolio Recovery Associates, Inc.", "State" -> "IL", "ZIPCode" -> "60639", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Postal mail", "DateSent" -> DateObject[{2014, 6, 26}, TimeObject[{16, 25, 9.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> 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"ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 6, 26}, TimeObject[{18, 9, 13.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "No", "ConsumerDisputed" -> Missing["NotApplicable"], "ComplaintID" -> 908581.|>, <|"Date" -> DateObject[{2014, 6, 24}, TimeObject[{16, 37, 52.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Non-federal student loan", "Issue" -> "Disclosure verification of debt", "SubIssue" -> "Not given enough info to verify debt", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Navient Solutions, Inc.", "State" -> "OR", "ZIPCode" -> "97401", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Postal mail", "DateSent" -> DateObject[{2014, 6, 26}, TimeObject[{17, 35, 23.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", 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Missing["NotApplicable"], "Company" -> "TD Bank US Holding Company", "State" -> "NY", "ZIPCode" -> "11375", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 24}, TimeObject[{19, 7, 11.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 908934.|>, <|"Date" -> DateObject[{2014, 6, 24}, TimeObject[{19, 1, 11.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Non-federal student loan", "Issue" -> "Cont'd attempts collect debt not owed", "SubIssue" -> "Debt is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Ability Recovery Services, LLC", "State" -> "WI", "ZIPCode" -> "54446", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 24}, TimeObject[{19, 7, 11.}, TimeZone 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-5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "FHA mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Citibank", "State" -> "OH", "ZIPCode" -> "45238", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 24}, TimeObject[{19, 7, 12.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 908944.|>, <|"Date" -> DateObject[{2014, 6, 24}, TimeObject[{19, 4, 5.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional fixed mortgage", "Issue" -> "Application, originator, mortgage broker", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "PNC Bank N.A.", "State" -> "FL", "ZIPCode" -> "33012", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 24}, TimeObject[{19, 7, 13.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 908945.|>, <|"Date" -> DateObject[{2014, 6, 24}, TimeObject[{19, 5, 35.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Wells Fargo & Company", "State" -> "NY", "ZIPCode" -> "11561", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 6, 26}, TimeObject[{17, 35, 4.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 908950.|>, <|"Date" -> DateObject[{2014, 6, 24}, TimeObject[{19, 6, 17.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Deposits and withdrawals", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Wells Fargo & Company", "State" -> "CA", "ZIPCode" -> "91903", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 24}, TimeObject[{19, 7, 15.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 909989.|>, <|"Date" -> DateObject[{2014, 6, 24}, TimeObject[{19, 6, 20.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Credit reporting company's investigation", "SubIssue" -> "Problem with statement of dispute", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Experian", "State" -> "NY", "ZIPCode" -> "10456", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Postal mail", "DateSent" -> DateObject[{2014, 7, 7}, TimeObject[{14, 57, 1.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 908953.|>, <|"Date" -> DateObject[{2014, 6, 24}, TimeObject[{19, 6, 23.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Credit card", "Issue" -> "False statements or representation", "SubIssue" -> "Indicated committed crime not paying", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" 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"Issue" -> "Communication tactics", "SubIssue" -> "Frequent or repeated calls", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Navient Solutions, Inc.", "State" -> "CO", "ZIPCode" -> "80918", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 24}, TimeObject[{19, 22, 10.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 908965.|>, <|"Date" -> DateObject[{2014, 6, 24}, TimeObject[{19, 8, 13.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Student loan", "SubProduct" -> "Non-federal student loan", "Issue" -> "Can't repay my loan", "SubIssue" -> "Can't decrease my monthly payments", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Citibank", "State" -> "MA", "ZIPCode" -> "02536", "Tags" -> "", 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"DateSent" -> DateObject[{2014, 6, 26}, TimeObject[{20, 13, 31.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 908989.|>, <|"Date" -> DateObject[{2014, 6, 24}, TimeObject[{19, 19, 1.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Account status", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Experian", "State" -> "FL", "ZIPCode" -> "32835", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Postal mail", "DateSent" -> DateObject[{2014, 6, 26}, TimeObject[{20, 18, 38.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 907786.|>, <|"Date" -> 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"ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 17}, TimeObject[{12, 51, 14.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 908997.|>, <|"Date" -> DateObject[{2014, 6, 24}, TimeObject[{19, 26, 22.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "JPMorgan Chase & Co.", "State" -> "", "ZIPCode" -> "", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 6, 24}, TimeObject[{19, 38, 59.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 909040.|>, <|"Date" -> DateObject[{2014, 6, 24}, TimeObject[{19, 29, 12.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "I do not know", "Issue" -> "Improper contact or sharing of info", "SubIssue" -> "Talked to a third party about my debt", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Client Services, Inc.", "State" -> "NC", "ZIPCode" -> "28461", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 24}, TimeObject[{19, 37, 12.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 909015.|>, <|"Date" -> DateObject[{2014, 6, 24}, TimeObject[{19, 29, 20.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Other bank product/service", "Issue" -> "Deposits and withdrawals", "SubIssue" -> 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"ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 24}, TimeObject[{19, 37, 13.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 909019.|>, <|"Date" -> DateObject[{2014, 6, 24}, TimeObject[{19, 31, 18.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Student loan", "SubProduct" -> "Non-federal student loan", "Issue" -> "Can't repay my loan", "SubIssue" -> "Can't get flexible payment options", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Brumbaugh & Quandahl", "State" -> "IA", "ZIPCode" -> "52806", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 26}, TimeObject[{18, 23, 48.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 909022.|>, <|"Date" 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24}, TimeObject[{19, 37, 16.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 907699.|>, <|"Date" -> DateObject[{2014, 6, 24}, TimeObject[{19, 38, 21.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit card", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Closing/Cancelling account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Bank of America", "State" -> "CA", "ZIPCode" -> "94605", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 26}, TimeObject[{18, 45, 23.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 909042.|>, <|"Date" -> DateObject[{2014, 6, 24}, TimeObject[{19, 41, 1.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Consumer Loan", "SubProduct" -> "Vehicle lease", "Issue" -> "Managing the loan or lease", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Ally Financial Inc.", "State" -> "VA", "ZIPCode" -> "23112", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 6, 26}, TimeObject[{18, 50, 39.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 907705.|>, <|"Date" -> DateObject[{2014, 6, 24}, TimeObject[{19, 42, 8.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional fixed mortgage", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Ocwen", "State" -> "AL", "ZIPCode" -> "35124", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 24}, TimeObject[{19, 52, 17.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 909054.|>, <|"Date" -> DateObject[{2014, 6, 24}, TimeObject[{19, 44, 2.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Account opening, closing, or management", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Trustmark Corporation", "State" -> "MS", "ZIPCode" -> "39401", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 6, 27}, TimeObject[{12, 0, 39.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 907815.|>, <|"Date" -> DateObject[{2014, 6, 24}, TimeObject[{19, 45, 32.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Shellpoint Partners, LLC", "State" -> "IL", "ZIPCode" -> "48127", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Postal mail", "DateSent" -> DateObject[{2014, 6, 27}, TimeObject[{12, 2, 7.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 909060.|>, <|"Date" -> DateObject[{2014, 6, 24}, TimeObject[{19, 45, 49.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "I do not know", "Issue" -> "Communication tactics", "SubIssue" -> "Frequent or repeated calls", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Global Credit & Collection Corporation", "State" -> "FL", "ZIPCode" -> "34236", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 24}, TimeObject[{19, 52, 20.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 909061.|>, <|"Date" -> DateObject[{2014, 6, 24}, TimeObject[{19, 46, 2.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Deposits and withdrawals", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Bank of America", "State" -> "CA", "ZIPCode" -> "92881", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 6, 26}, TimeObject[{19, 56, 28.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 907817.|>, <|"Date" -> DateObject[{2014, 6, 24}, TimeObject[{19, 46, 16.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Account status", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "ERC", "State" -> "MD", "ZIPCode" -> "20794", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Postal mail", "DateSent" -> DateObject[{2014, 7, 8}, TimeObject[{20, 40, 50.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed 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"Issue" -> "Settlement process and costs", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Nationstar Mortgage", "State" -> "", "ZIPCode" -> "", "Tags" -> "Older American", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Phone", "DateSent" -> DateObject[{2014, 6, 26}, TimeObject[{20, 36, 30.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 909070.|>, <|"Date" -> DateObject[{2014, 6, 24}, TimeObject[{19, 51, 29.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional adjustable mortgage (ARM)", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Phelan Hallinan & Diamond, PC", "State" -> "NC", "ZIPCode" -> "27609", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 27}, TimeObject[{13, 27, 54.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 908120.|>, <|"Date" -> DateObject[{2014, 6, 24}, TimeObject[{19, 51, 40.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "FHA mortgage", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Bank of America", "State" -> "GA", "ZIPCode" -> "31313", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 27}, TimeObject[{13, 42, 52.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 909073.|>, <|"Date" -> DateObject[{2014, 6, 24}, TimeObject[{19, 52, 2.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit card", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Billing statement", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Bank of America", "State" -> "CA", "ZIPCode" -> "90631", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 6, 27}, TimeObject[{13, 30, 32.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 907820.|>, <|"Date" -> DateObject[{2014, 6, 24}, TimeObject[{19, 53, 27.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Making/receiving payments, sending money", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "HSBC North America Holdings Inc.", "State" -> "NY", "ZIPCode" -> "11358", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 24}, TimeObject[{20, 7, 9.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 907811.|>, <|"Date" -> DateObject[{2014, 6, 24}, TimeObject[{19, 53, 59.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Deposits and withdrawals", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Bank of America", "State" -> "WA", "ZIPCode" -> "98564", "Tags" -> "Older American", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 6, 27}, TimeObject[{12, 3, 27.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 909076.|>, <|"Date" -> DateObject[{2014, 6, 24}, TimeObject[{19, 54, 21.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "I do not know", "Issue" -> "Cont'd attempts collect debt not owed", "SubIssue" -> "Debt is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Tidewater Finance Company", "State" -> "WA", "ZIPCode" -> "98606", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 27}, TimeObject[{13, 37, 7.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 909079.|>, <|"Date" -> DateObject[{2014, 6, 24}, TimeObject[{19, 55, 11.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Account status", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Experian", "State" -> "CO", "ZIPCode" -> "80759", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 24}, TimeObject[{20, 7, 11.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> Missing["NotApplicable"], "ComplaintID" -> 909086.|>, <|"Date" -> DateObject[{2014, 6, 24}, TimeObject[{19, 55, 46.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Account 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-> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 24}, TimeObject[{20, 7, 10.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 909088.|>, <|"Date" -> DateObject[{2014, 6, 24}, TimeObject[{19, 57, 2.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Deposits and withdrawals", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "TD Bank US Holding Company", "State" -> "FL", "ZIPCode" -> "33611", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 6, 26}, TimeObject[{21, 5, 32.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 909356.|>, <|"Date" -> DateObject[{2014, 6, 24}, TimeObject[{19, 58, 2.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit card", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Other", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Amex", "State" -> "FL", "ZIPCode" -> "32724", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 6, 26}, TimeObject[{20, 12, 14.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 909340.|>, <|"Date" -> DateObject[{2014, 6, 24}, TimeObject[{19, 58, 3.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit card", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Other fee", "SubIssue" -> Missing["NotApplicable"], 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Inc", "State" -> "FL", "ZIPCode" -> "32819", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 24}, TimeObject[{22, 7, 13.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 909328.|>, <|"Date" -> DateObject[{2014, 6, 24}, TimeObject[{22, 6, 48.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Credit reporting company's investigation", "SubIssue" -> "Investigation took too long", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "TransUnion Intermediate Holdings, Inc.", "State" -> "CA", "ZIPCode" -> "92649", "Tags" -> "Older American", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 24}, TimeObject[{22, 7, 14.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 909334.|>, <|"Date" -> DateObject[{2014, 6, 24}, TimeObject[{22, 6, 50.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Information is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Experian", "State" -> "TX", "ZIPCode" -> "76134", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Postal mail", "DateSent" -> DateObject[{2014, 7, 8}, TimeObject[{18, 40, 45.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 909250.|>, <|"Date" -> DateObject[{2014, 6, 24}, TimeObject[{22, 7, 17.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Unable to get credit report/credit score", "SubIssue" -> "Problem getting my free annual report", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Equifax", "State" -> "OR", "ZIPCode" -> "97914", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 24}, TimeObject[{22, 22, 11.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 909337.|>, <|"Date" -> DateObject[{2014, 6, 24}, TimeObject[{22, 7, 18.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Unable to get credit report/credit score", "SubIssue" -> "Problem getting my free annual report", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "TransUnion Intermediate Holdings, Inc.", "State" -> "NJ", "ZIPCode" -> "07111", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 27}, TimeObject[{15, 47, 45.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 909338.|>, <|"Date" -> DateObject[{2014, 6, 24}, TimeObject[{22, 8, 21.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Other (i.e. phone health club etc.)", "Issue" -> "False statements or representation", "SubIssue" -> "Indicated committed crime not paying", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Delbert Services", "State" -> "RI", "ZIPCode" -> "02896", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 24}, TimeObject[{22, 22, 12.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 909339.|>, <|"Date" -> DateObject[{2014, 6, 24}, TimeObject[{22, 11, 23.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Home equity loan or line of credit", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Ocwen", "State" -> "CA", "ZIPCode" -> "95405", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 24}, TimeObject[{22, 22, 13.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 909343.|>, <|"Date" -> DateObject[{2014, 6, 24}, TimeObject[{22, 13, 13.}, 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-> Missing["NotApplicable"], "Company" -> "JPMorgan Chase & Co.", "State" -> "OR", "ZIPCode" -> "97035", "Tags" -> "Servicemember", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 24}, TimeObject[{22, 22, 13.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 909350.|>, <|"Date" -> DateObject[{2014, 6, 24}, TimeObject[{22, 14, 5.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Information is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Experian", "State" -> "TX", "ZIPCode" -> "76134", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Postal mail", "DateSent" -> DateObject[{2014, 7, 8}, TimeObject[{18, 41, 52.}, 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TimeObject[{22, 20, 39.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Credit card", "Issue" -> "Cont'd attempts collect debt not owed", "SubIssue" -> "Debt was paid", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Cavalry Investments, LLC", "State" -> "PA", "ZIPCode" -> "19352", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 27}, TimeObject[{14, 27, 6.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 909360.|>, <|"Date" -> DateObject[{2014, 6, 24}, TimeObject[{22, 20, 45.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional fixed mortgage", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> 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6, 24}, TimeObject[{22, 25, 53.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Unable to get credit report/credit score", "SubIssue" -> "Problem getting report or credit score", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Equifax", "State" -> "NJ", "ZIPCode" -> "07203", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 27}, TimeObject[{15, 44, 43.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 909365.|>, <|"Date" -> DateObject[{2014, 6, 24}, TimeObject[{22, 26, 0.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Payday loan", "Issue" -> "Cont'd attempts collect debt not owed", "SubIssue" -> "Debt is not mine", "ComplaintNarrative" 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DateObject[{2014, 6, 25}, TimeObject[{1, 37, 8.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 909639.|>, <|"Date" -> DateObject[{2014, 6, 25}, TimeObject[{1, 34, 32.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Credit reporting company's investigation", "SubIssue" -> "Problem with statement of dispute", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Experian", "State" -> "AZ", "ZIPCode" -> "85383", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 25}, TimeObject[{1, 37, 9.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 910050.|>, <|"Date" -> DateObject[{2014, 6, 25}, TimeObject[{1, 35, 26.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Credit card", "Issue" -> "Cont'd attempts collect debt not owed", "SubIssue" -> "Debt is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Malcolm S. Gerald and Associates, Inc.", "State" -> "TX", "ZIPCode" -> "75033", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 25}, TimeObject[{1, 37, 9.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 911511.|>, <|"Date" -> DateObject[{2014, 6, 25}, TimeObject[{1, 49, 2.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Improper use of my credit report", "SubIssue" -> "Report improperly shared by CRC", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Experian", "State" -> "NM", "ZIPCode" -> "88033", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 27}, TimeObject[{17, 43, 28.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 909718.|>, <|"Date" -> DateObject[{2014, 6, 25}, TimeObject[{1, 52, 35.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional fixed mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Select Portfolio Servicing, Inc", "State" -> "NJ", "ZIPCode" -> "08079", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 25}, TimeObject[{2, 7, 5.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 910053.|>, <|"Date" -> DateObject[{2014, 6, 25}, TimeObject[{2, 4, 20.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Information is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Equifax", "State" -> "FL", "ZIPCode" -> "33484", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 27}, TimeObject[{13, 7, 22.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> Missing["NotApplicable"], "ComplaintID" -> 910056.|>, <|"Date" -> DateObject[{2014, 6, 25}, TimeObject[{2, 10, 36.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "I do not know", "Issue" -> "Communication tactics", "SubIssue" -> "Frequent or repeated calls", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "ERC", "State" -> "FL", "ZIPCode" -> "33973", "Tags" -> "Servicemember", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 18}, TimeObject[{19, 2, 37.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 910058.|>, <|"Date" -> DateObject[{2014, 6, 25}, TimeObject[{2, 11, 36.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional fixed mortgage", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Wells Fargo & Company", "State" -> "PA", "ZIPCode" -> "19481", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 25}, TimeObject[{2, 22, 11.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 910059.|>, <|"Date" -> DateObject[{2014, 6, 25}, TimeObject[{2, 11, 49.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Mortgage", "Issue" -> "Communication tactics", "SubIssue" -> "Called outside of 8am-9pm", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Ditech Financial LLC", "State" -> "CO", "ZIPCode" -> "80303", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 25}, TimeObject[{2, 22, 11.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 910060.|>, <|"Date" -> DateObject[{2014, 6, 25}, TimeObject[{2, 14, 53.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "FHA mortgage", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "HSBC North America Holdings Inc.", "State" -> "CA", "ZIPCode" -> "95757", "Tags" -> "Older American", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 25}, TimeObject[{2, 22, 11.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 910061.|>, <|"Date" -> DateObject[{2014, 6, 25}, TimeObject[{2, 16, 28.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Student loan", "SubProduct" -> "Non-federal student loan", "Issue" -> "Can't repay my loan", "SubIssue" -> "Can't decrease my monthly payments", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Navient Solutions, Inc.", "State" -> "NY", "ZIPCode" -> "11230", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 25}, TimeObject[{2, 22, 12.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 910062.|>, <|"Date" -> DateObject[{2014, 6, 25}, TimeObject[{2, 20, 39.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Consumer Loan", "SubProduct" -> "Vehicle loan", "Issue" -> "Managing the loan or lease", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Lobel Financial Corporation", "State" -> "CA", "ZIPCode" -> "92025", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 26}, TimeObject[{21, 42, 44.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 910063.|>, <|"Date" -> DateObject[{2014, 6, 25}, TimeObject[{2, 21, 43.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "I do not know", "Issue" -> "Communication tactics", "SubIssue" -> "Frequent or repeated calls", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Ridgeway Advisory Group LLC", "State" -> "TX", "ZIPCode" -> "77498", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 25}, TimeObject[{2, 22, 12.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "No", "ConsumerDisputed" -> Missing["NotApplicable"], "ComplaintID" -> 910064.|>, <|"Date" -> DateObject[{2014, 6, 25}, TimeObject[{2, 24, 24.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit card", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Other", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Capital One", "State" -> "CO", "ZIPCode" -> "80211", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 25}, TimeObject[{2, 37, 6.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 909978.|>, <|"Date" -> DateObject[{2014, 6, 25}, TimeObject[{2, 29, 55.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Personal information", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Equifax", "State" -> "WV", "ZIPCode" -> "26508", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 25}, TimeObject[{2, 37, 6.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 910065.|>, <|"Date" -> DateObject[{2014, 6, 25}, TimeObject[{2, 40, 22.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "FHA mortgage", "Issue" -> "Settlement process and costs", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "American Pacific Mortgage Corporation", "State" -> "AZ", "ZIPCode" -> "85042", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 25}, TimeObject[{2, 52, 5.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 910067.|>, <|"Date" -> 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Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Santander Consumer USA Holdings Inc", "State" -> "WI", "ZIPCode" -> "53227", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 26}, TimeObject[{21, 41, 25.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 910069.|>, <|"Date" -> DateObject[{2014, 6, 25}, TimeObject[{2, 45, 34.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Account terms", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Experian", "State" -> "FL", "ZIPCode" -> "33323", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 1}, TimeObject[{17, 30, 57.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 909559.|>, <|"Date" -> DateObject[{2014, 6, 25}, TimeObject[{2, 56, 45.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Credit monitoring or identity protection", "SubIssue" -> "Problem with fraud alerts", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Experian", "State" -> "CA", "ZIPCode" -> "95207", "Tags" -> "Older American", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 26}, TimeObject[{21, 45, 22.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 910071.|>, <|"Date" -> DateObject[{2014, 6, 25}, TimeObject[{3, 0, 39.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Student loan", "SubProduct" -> "Non-federal student loan", "Issue" -> "Can't repay my loan", "SubIssue" -> "Can't decrease my monthly payments", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "ACS Education Services", "State" -> "PA", "ZIPCode" -> "17601", "Tags" -> "Servicemember", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 25}, TimeObject[{3, 7, 6.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 909558.|>, <|"Date" -> DateObject[{2014, 6, 25}, TimeObject[{3, 0, 48.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Medical", "Issue" -> "Taking/threatening an illegal action", "SubIssue" -> "Threatened arrest/jail if do not pay", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "J R Brothers Financial, Inc.(Closed)", "State" -> "AZ", "ZIPCode" -> "85254", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 26}, TimeObject[{21, 49, 25.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 909727.|>, <|"Date" -> DateObject[{2014, 6, 25}, TimeObject[{3, 9, 23.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Home equity loan or line of credit", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "JPMorgan Chase & Co.", "State" -> "NY", "ZIPCode" -> "10011", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 25}, TimeObject[{3, 22, 10.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 910072.|>, <|"Date" -> DateObject[{2014, 6, 25}, TimeObject[{3, 19, 38.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Making/receiving payments, sending money", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Bank of America", "State" -> "AZ", "ZIPCode" -> "85295", "Tags" -> "Older American", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 25}, TimeObject[{3, 22, 11.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 910074.|>, <|"Date" -> DateObject[{2014, 6, 25}, TimeObject[{3, 21, 14.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Unable to get credit report/credit score", "SubIssue" -> "Problem getting my free annual report", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Equifax", "State" -> "GU", "ZIPCode" -> "96932", "Tags" -> "Older American", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 25}, TimeObject[{3, 22, 11.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 910075.|>, <|"Date" -> DateObject[{2014, 6, 25}, TimeObject[{3, 24, 10.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Credit card", "Issue" -> "False statements or representation", "SubIssue" -> "Attempted to collect wrong amount", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Encore Capital Group", "State" -> "FL", "ZIPCode" -> "33184", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 26}, TimeObject[{21, 52, 2.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 909678.|>, <|"Date" -> DateObject[{2014, 6, 25}, TimeObject[{3, 39, 15.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit card", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Identity theft / Fraud / Embezzlement", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Wells Fargo & Company", "State" -> "NY", "ZIPCode" -> "10523", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 25}, TimeObject[{3, 52, 9.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 910077.|>, <|"Date" -> DateObject[{2014, 6, 25}, TimeObject[{3, 43, 15.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Reinserted previously deleted info", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "TransUnion Intermediate Holdings, Inc.", "State" -> "CA", "ZIPCode" -> "95961", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 26}, TimeObject[{21, 47, 32.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 910078.|>, <|"Date" -> DateObject[{2014, 6, 25}, TimeObject[{4, 17, 33.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Credit card", "Issue" -> "Cont'd attempts collect debt not owed", "SubIssue" -> "Debt is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Financial Credit Service, Inc.", "State" -> "NV", "ZIPCode" -> "89107", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 15}, TimeObject[{13, 9, 14.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 910079.|>, <|"Date" -> DateObject[{2014, 6, 25}, TimeObject[{4, 28, 14.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Payday loan", "SubProduct" -> "Payday loan", "Issue" -> "Charged fees or interest I didn't expect", "SubIssue" -> "Charged 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"N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 27}, TimeObject[{17, 42, 50.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 910084.|>, <|"Date" -> DateObject[{2014, 6, 25}, TimeObject[{5, 45, 50.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Account terms", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Experian", "State" -> "FL", "ZIPCode" -> "32223", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 25}, TimeObject[{5, 52, 13.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 910087.|>, <|"Date" -> DateObject[{2014, 6, 25}, TimeObject[{5, 59, 1.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional adjustable mortgage (ARM)", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Shellpoint Partners, LLC", "State" -> "CA", "ZIPCode" -> "95624", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 25}, TimeObject[{6, 7, 5.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 910088.|>, <|"Date" -> DateObject[{2014, 6, 25}, TimeObject[{6, 8, 30.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit card", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Transaction issue", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Citibank", "State" -> "TX", "ZIPCode" -> "78259", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 25}, TimeObject[{6, 22, 10.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 910099.|>, <|"Date" -> DateObject[{2014, 6, 25}, TimeObject[{6, 23, 33.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Caliber Home Loans, Inc", "State" -> "PA", "ZIPCode" -> "19468", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> 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Missing["NotApplicable"], "Company" -> "Commercial Recovery Systems", "State" -> "HI", "ZIPCode" -> "96793", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 25}, TimeObject[{7, 22, 12.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "No", "ConsumerDisputed" -> "No", "ComplaintID" -> 910103.|>, <|"Date" -> DateObject[{2014, 6, 25}, TimeObject[{8, 14, 16.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Student loan", "SubProduct" -> "Non-federal student loan", "Issue" -> "Dealing with my lender or servicer", "SubIssue" -> "Trouble with how payments are handled", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Discover", "State" -> "CA", "ZIPCode" -> "91403", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 25}, TimeObject[{8, 22, 10.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 910104.|>, <|"Date" -> DateObject[{2014, 6, 25}, TimeObject[{8, 16, 16.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit card", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Closing/Cancelling account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Bank of America", "State" -> "CA", "ZIPCode" -> "91605", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 27}, TimeObject[{13, 40, 55.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 910105.|>, <|"Date" -> DateObject[{2014, 6, 25}, TimeObject[{10, 29, 2.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", 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"PA", "ZIPCode" -> "18848", "Tags" -> "Older American", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 6, 27}, TimeObject[{16, 52, 9.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 910500.|>, <|"Date" -> DateObject[{2014, 6, 25}, TimeObject[{10, 32, 2.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Reverse mortgage", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Reverse Mortgage Solutions", "State" -> "CA", "ZIPCode" -> "94515", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 6, 27}, TimeObject[{16, 58, 39.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed", 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"ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 27}, TimeObject[{17, 38, 11.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 910115.|>, <|"Date" -> DateObject[{2014, 6, 25}, TimeObject[{12, 7, 7.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional adjustable mortgage (ARM)", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Nationstar Mortgage", "State" -> "PA", "ZIPCode" -> "19464", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 25}, TimeObject[{12, 22, 10.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 910116.|>, <|"Date" -> DateObject[{2014, 6, 25}, TimeObject[{12, 33, 13.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Information is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "TransUnion Intermediate Holdings, Inc.", "State" -> "CA", "ZIPCode" -> "92307", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 25}, TimeObject[{12, 36, 13.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> Missing["NotApplicable"], "ComplaintID" -> 909751.|>, <|"Date" -> DateObject[{2014, 6, 25}, TimeObject[{12, 33, 17.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Information is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Equifax", "State" -> "CA", "ZIPCode" -> "92307", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 25}, TimeObject[{12, 36, 57.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> Missing["NotApplicable"], "ComplaintID" -> 909752.|>, <|"Date" -> DateObject[{2014, 6, 25}, TimeObject[{12, 43, 56.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Non-federal student loan", "Issue" -> "Improper contact or sharing of info", "SubIssue" -> "Talked to a third party about my debt", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Navient Solutions, Inc.", "State" -> "CA", "ZIPCode" -> "92705", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 25}, TimeObject[{12, 52, 7.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 910125.|>, <|"Date" -> DateObject[{2014, 6, 25}, TimeObject[{12, 48, 50.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Mortgage", "Issue" -> "Taking/threatening an illegal action", "SubIssue" -> "Seized/Attempted to seize property", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "CIT Bank National Association", "State" -> "VA", "ZIPCode" -> "23325", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Fax", "DateSent" -> DateObject[{2014, 6, 27}, TimeObject[{14, 3, 14.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 910128.|>, <|"Date" -> DateObject[{2014, 6, 25}, TimeObject[{12, 49, 48.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Consumer Loan", "SubProduct" -> "Installment loan", "Issue" -> "Managing the loan or lease", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Delbert Services", "State" -> "NC", "ZIPCode" -> "28073", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 25}, TimeObject[{12, 52, 8.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 910132.|>, <|"Date" -> DateObject[{2014, 6, 25}, TimeObject[{13, 5, 55.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Medical", "Issue" -> "Cont'd attempts collect debt not owed", "SubIssue" -> "Debt is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Hollis Cobb Associates", "State" -> "GA", "ZIPCode" -> "30281", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 25}, TimeObject[{13, 7, 7.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 910136.|>, <|"Date" -> DateObject[{2014, 6, 25}, TimeObject[{13, 7, 28.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "I do not know", "Issue" -> "Improper contact or sharing of info", "SubIssue" -> "Talked to a third party about my debt", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "P&B Capital Group, LLC", "State" -> 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"Company" -> "Capital One", "State" -> "AL", "ZIPCode" -> "35904", "Tags" -> "Older American, Servicemember", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 8, 11}, TimeObject[{14, 21, 32.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 912230.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{13, 4, 30.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Deposits and withdrawals", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Union Bank", "State" -> "CA", "ZIPCode" -> "94705", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Fax", "DateSent" -> DateObject[{2014, 6, 27}, TimeObject[{21, 33, 55.}, TimeZone -> -5.], TimeZone -> -5.], 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-> "Consumer Loan", "SubProduct" -> "Vehicle loan", "Issue" -> "Managing the loan or lease", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Santander Consumer USA Holdings Inc", "State" -> "MS", "ZIPCode" -> "39345", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Fax", "DateSent" -> DateObject[{2014, 6, 30}, TimeObject[{15, 10, 37.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 912088.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{13, 8, 47.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Payday loan", "Issue" -> "Improper contact or sharing of info", "SubIssue" -> "Contacted employer after asked not to", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "National Credit Adjusters, LLC", "State" -> "OH", "ZIPCode" -> "43103", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 2}, TimeObject[{1, 12, 46.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 912089.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{13, 14, 0.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Auto", "Issue" -> "Communication tactics", "SubIssue" -> "Called outside of 8am-9pm", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Credit Acceptance Corporation", "State" -> "MO", "ZIPCode" -> "63130", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 27}, TimeObject[{21, 20, 50.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> 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"Incorrect information on credit report", "SubIssue" -> "Account terms", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Capital One", "State" -> "FL", "ZIPCode" -> "32828", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 30}, TimeObject[{16, 57, 32.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> Missing["NotApplicable"], "ComplaintID" -> 912899.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{18, 22, 43.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Unable to get credit report/credit score", "SubIssue" -> "Problem getting my free annual report", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Experian", "State" -> "MN", 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"TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 912841.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{18, 25, 19.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Information is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Pinnacle Credit Services, LLC", "State" -> "OR", "ZIPCode" -> "97236", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 30}, TimeObject[{16, 54, 41.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 912906.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{18, 27, 20.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Medical", "Issue" -> "Communication tactics", "SubIssue" -> "Frequent or repeated calls", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Synchrony Financial", "State" -> "GA", "ZIPCode" -> "31021", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 26}, TimeObject[{18, 37, 9.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 912917.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{18, 28, 20.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional fixed mortgage", "Issue" -> "Settlement process and costs", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Wells Fargo & Company", "State" -> "MA", "ZIPCode" -> "01748", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 26}, TimeObject[{18, 37, 9.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 912918.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{18, 28, 28.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Information is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "USAA Savings", "State" -> "OR", "ZIPCode" -> "97236", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 30}, TimeObject[{19, 28, 22.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 912907.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{18, 29, 4.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Student loan", "SubProduct" -> "Non-federal student loan", "Issue" -> "Dealing with my lender or servicer", "SubIssue" -> "Received bad information about my loan", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Navient Solutions, Inc.", "State" -> "KY", "ZIPCode" -> "40165", "Tags" -> "Older American", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 26}, TimeObject[{18, 37, 10.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 912919.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{18, 30, 28.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Other", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Bank of America", "State" -> "TX", "ZIPCode" -> "76063", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 6, 30}, TimeObject[{18, 51, 10.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 912842.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{18, 31, 43.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Credit card", "Issue" -> "Cont'd attempts collect debt not owed", "SubIssue" -> "Debt was discharged in bankruptcy", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Financial Asset Resolution, LLC", "State" -> "LA", "ZIPCode" -> "70508", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 26}, TimeObject[{18, 37, 11.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 912924.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{18, 33, 2.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional adjustable mortgage (ARM)", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Wells Fargo & Company", "State" -> "MD", "ZIPCode" -> "21001", "Tags" -> "Older American", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 26}, TimeObject[{18, 37, 12.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 912929.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{18, 35, 40.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Account terms", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "First Data Corporation", "State" -> "FL", "ZIPCode" -> "32003", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 26}, TimeObject[{18, 37, 13.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 912937.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{18, 37, 31.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional fixed mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Citibank", "State" -> "OH", "ZIPCode" -> "43071", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Phone", "DateSent" -> DateObject[{2014, 6, 30}, TimeObject[{15, 54, 19.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 912942.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{18, 41, 42.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Account opening, closing, or management", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Wells Fargo & Company", "State" -> "NM", "ZIPCode" -> "87123", "Tags" -> "Older American", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Phone", "DateSent" -> DateObject[{2014, 6, 30}, TimeObject[{16, 57, 15.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 912946.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{18, 43, 15.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Other (i.e. phone health club etc.)", "Issue" -> "Cont'd attempts collect debt not owed", "SubIssue" -> "Debt is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Allied Interstate LLC", "State" -> "PA", "ZIPCode" -> "19086", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 6, 30}, TimeObject[{16, 42, 42.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with 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Missing["NotApplicable"], "Company" -> "Citibank", "State" -> "", "ZIPCode" -> "", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Phone", "DateSent" -> DateObject[{2014, 6, 30}, TimeObject[{19, 25, 24.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 912958.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{18, 49, 16.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "I do not know", "Issue" -> "Improper contact or sharing of info", "SubIssue" -> "Contacted me after I asked not to", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Portfolio Recovery Associates, Inc.", "State" -> "MI", "ZIPCode" -> "48706", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 26}, TimeObject[{18, 52, 10.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 912963.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{18, 53, 55.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Medical", "Issue" -> "Disclosure verification of debt", "SubIssue" -> "Right to dispute notice not received", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Collection Consultants of California", "State" -> "CA", "ZIPCode" -> "91335", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 26}, TimeObject[{19, 7, 7.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 912974.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{18, 54, 42.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Public record", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "TransUnion Intermediate Holdings, Inc.", "State" -> "NJ", "ZIPCode" -> "07501", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 30}, TimeObject[{17, 28, 19.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 912979.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{18, 55, 40.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit card", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Other fee", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Barclays PLC", "State" -> "GA", "ZIPCode" -> "31419", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 26}, TimeObject[{19, 7, 8.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 912985.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{18, 56, 33.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional fixed mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Bank of America", "State" -> "FL", "ZIPCode" -> "33617", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 30}, TimeObject[{17, 8, 36.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 911527.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{18, 58, 19.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Auto", "Issue" -> "Disclosure verification of debt", "SubIssue" -> "Not disclosed as an attempt to collect", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Credit Acceptance Corporation", "State" -> "MI", "ZIPCode" -> "48624", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 26}, TimeObject[{19, 7, 9.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 912992.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{18, 59, 21.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Consumer Loan", "SubProduct" -> "Personal line of credit", "Issue" -> "Problems when you are unable to pay", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Synchrony Financial", "State" -> "MD", "ZIPCode" -> "21784", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Phone", "DateSent" -> DateObject[{2014, 7, 15}, TimeObject[{13, 15, 50.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 912994.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{18, 59, 49.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "FHA mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" 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"Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 911521.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{19, 7, 38.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "I do not know", "Issue" -> "Cont'd attempts collect debt not owed", "SubIssue" -> "Debt is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Northstar Location Services, LLC", "State" -> "MD", "ZIPCode" -> "31769", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 17}, TimeObject[{18, 41, 32.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 913010.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{19, 10, 54.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Payday loan", "Issue" -> "Taking/threatening an illegal action", "SubIssue" -> "Threatened arrest/jail if do not pay", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "CNG Financial Corporation", "State" -> "MI", "ZIPCode" -> "48229", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 30}, TimeObject[{17, 10, 38.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 913019.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{19, 13, 4.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Credit reporting company's investigation", "SubIssue" -> "Problem with statement of dispute", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "TransUnion Intermediate Holdings, Inc.", "State" -> "LA", "ZIPCode" -> "70056", "Tags" -> "Servicemember", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 1}, TimeObject[{14, 42, 38.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 913027.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{19, 13, 32.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Personal information", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Experian", "State" -> "TX", "ZIPCode" -> "77042", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 1}, TimeObject[{15, 37, 48.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 913030.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{19, 17, 18.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional fixed mortgage", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "EverBank", "State" -> "HI", "ZIPCode" -> "96740", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 30}, TimeObject[{19, 12, 25.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 911502.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{19, 18, 16.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional fixed mortgage", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Select Portfolio Servicing, Inc", "State" -> "VA", "ZIPCode" -> "22603", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 26}, TimeObject[{19, 22, 14.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 914534.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{19, 18, 36.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Using a debit or ATM card", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Wells Fargo & Company", "State" -> "PA", "ZIPCode" -> "19133", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 26}, TimeObject[{19, 22, 14.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 913043.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{19, 20, 29.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Account terms", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Equifax", "State" -> "NE", "ZIPCode" -> "68512", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 26}, TimeObject[{19, 23, 40.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 912039.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{19, 20, 34.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Medical", "Issue" -> "Cont'd attempts collect debt not owed", "SubIssue" -> "Debt was paid", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Grant & Weber", "State" -> "IL", "ZIPCode" -> "60657", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 26}, TimeObject[{19, 22, 15.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 913047.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{19, 20, 42.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Account terms", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "TransUnion Intermediate Holdings, Inc.", "State" -> "NE", "ZIPCode" -> "68512", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 26}, TimeObject[{19, 23, 27.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 912040.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{19, 21, 21.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Other bank product/service", "Issue" -> "Account opening, closing, or management", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Barclays PLC", "State" -> "CA", "ZIPCode" -> "92058", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 6, 30}, TimeObject[{19, 4, 11.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 912379.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{19, 24, 5.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Credit decision / Underwriting", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Seterus, Inc.", "State" -> "WI", "ZIPCode" -> "53040", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 26}, TimeObject[{19, 37, 11.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 913053.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{19, 26, 18.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Credit monitoring or identity protection", "SubIssue" -> "Problem with fraud alerts", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Experian", "State" -> "FL", "ZIPCode" -> "33610", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 26}, TimeObject[{19, 37, 12.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 911637.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{19, 27, 0.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Credit card", "Issue" -> "False statements or representation", "SubIssue" -> "Indicated committed crime not paying", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Frederick J. Hanna & Associates, P.C.", "State" -> "GA", "ZIPCode" -> "30038", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 26}, TimeObject[{19, 37, 13.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 913058.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{19, 27, 1.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Credit card", "Issue" -> "False statements or representation", "SubIssue" -> "Indicated committed crime not paying", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Encore Capital Group", "State" -> "GA", "ZIPCode" -> "30038", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 26}, TimeObject[{19, 37, 13.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> 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card", "Issue" -> "Improper contact or sharing of info", "SubIssue" -> "Contacted employer after asked not to", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Barclays PLC", "State" -> "OH", "ZIPCode" -> "44646", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 26}, TimeObject[{19, 37, 14.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 913062.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{19, 28, 41.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Problems caused by my funds being low", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Wells Fargo & Company", "State" -> "WA", "ZIPCode" -> "98445", "Tags" -> "Servicemember", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 26}, TimeObject[{19, 37, 14.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 913063.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{19, 29, 31.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "FHA mortgage", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Bank of America", "State" -> "OH", "ZIPCode" -> "44145", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 30}, TimeObject[{18, 59, 5.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 911615.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{19, 29, 58.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional fixed mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Selene Finance", "State" -> "MD", "ZIPCode" -> "20852", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 26}, TimeObject[{19, 37, 15.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 913065.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{19, 32, 47.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Wells Fargo & Company", "State" -> "PA", "ZIPCode" -> "19064", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 6, 30}, TimeObject[{19, 35, 9.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 912356.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{19, 36, 20.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Payday loan", "Issue" -> "Cont'd attempts collect debt not owed", "SubIssue" -> "Debt is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "CashCall, Inc.", "State" -> "", "ZIPCode" -> "", "Tags" -> "Servicemember", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Phone", "DateSent" -> DateObject[{2014, 6, 30}, TimeObject[{18, 13, 33.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 913083.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{19, 40, 3.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Information is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Equifax", "State" -> "CA", "ZIPCode" -> "91206", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 26}, TimeObject[{19, 52, 7.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 913094.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{19, 40, 28.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Account opening, closing, or management", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Wells Fargo & Company", "State" -> "CO", "ZIPCode" -> "80303", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 26}, TimeObject[{19, 52, 7.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 913095.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{19, 41, 7.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Unable to get credit report/credit score", "SubIssue" -> "Problem getting my free annual report", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Experian", "State" -> "PA", "ZIPCode" -> "19606", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 26}, TimeObject[{19, 52, 8.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 913096.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{19, 41, 54.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Information is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Experian", "State" -> "VA", "ZIPCode" -> "22311", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 26}, TimeObject[{19, 52, 8.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 911763.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{19, 42, 58.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit card", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Billing disputes", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Barclays PLC", "State" -> "CA", "ZIPCode" -> "92345", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 26}, TimeObject[{19, 52, 9.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 911531.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{19, 44, 8.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional fixed mortgage", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Ditech Financial LLC", "State" -> "WI", "ZIPCode" -> "54017", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 26}, TimeObject[{19, 52, 9.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 913101.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{19, 45, 13.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Home equity loan or line of credit", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> 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"SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 26}, TimeObject[{19, 52, 10.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 911805.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{19, 45, 42.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional fixed mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Wells Fargo & Company", "State" -> "TX", "ZIPCode" -> "78617", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 26}, TimeObject[{19, 52, 10.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 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Missing["NotApplicable"], "Company" -> "Wells Fargo & Company", "State" -> "OH", "ZIPCode" -> "45042", "Tags" -> "Older American", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 1}, TimeObject[{15, 38, 1.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 913610.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{21, 43, 12.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Bank of America", "State" -> "CA", "ZIPCode" -> "95765", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 1}, TimeObject[{15, 39, 40.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 913968.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{21, 43, 13.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Ocwen", "State" -> "TX", "ZIPCode" -> "75243", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 1}, TimeObject[{15, 1, 32.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 913612.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{21, 43, 14.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Rushmore Loan Management Services LLC", "State" -> "NV", "ZIPCode" -> "89511", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 9}, TimeObject[{12, 16, 43.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 911823.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{21, 43, 16.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Application, originator, mortgage broker", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Wells Fargo & Company", "State" -> "NY", "ZIPCode" -> "11024", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 1}, TimeObject[{14, 50, 49.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 913613.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{21, 45, 7.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Medical", "Issue" -> "Disclosure verification of debt", "SubIssue" -> "Not given enough info to verify debt", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Harvard Collections, LLC", "State" -> "TX", "ZIPCode" -> "77044", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 1}, TimeObject[{17, 58, 30.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> 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"Federal student loan", "Issue" -> "Improper contact or sharing of info", "SubIssue" -> "Contacted employer after asked not to", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Allied Interstate LLC", "State" -> "CA", "ZIPCode" -> "90057", "Tags" -> "Older American", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 1}, TimeObject[{16, 3, 5.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 913618.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{21, 49, 0.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Making/receiving payments, sending money", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "M&T Bank Corporation", "State" -> "OH", "ZIPCode" -> "43054", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Phone", "DateSent" -> DateObject[{2014, 6, 30}, TimeObject[{21, 12, 14.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 911506.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{21, 53, 36.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Using a debit or ATM card", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Wells Fargo & Company", "State" -> "SC", "ZIPCode" -> "29146", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 26}, TimeObject[{22, 7, 8.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" 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"Issue" -> "Incorrect information on credit report", "SubIssue" -> "Account status", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "TransUnion Intermediate Holdings, Inc.", "State" -> "CA", "ZIPCode" -> "90069", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 26}, TimeObject[{22, 7, 9.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> Missing["NotApplicable"], "ComplaintID" -> 913632.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{21, 57, 8.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Home equity loan or line of credit", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "HSBC North America Holdings Inc.", "State" -> "NY", "ZIPCode" -> "11235", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 1}, TimeObject[{14, 44, 13.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 913633.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{21, 58, 29.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Credit reporting company's investigation", "SubIssue" -> "No notice of investigation status/result", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Experian", "State" -> "TX", "ZIPCode" -> "77045", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 26}, TimeObject[{22, 7, 9.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 913937.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{21, 59, 39.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Account status", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Equifax", "State" -> "NJ", "ZIPCode" -> "07001", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 1}, TimeObject[{15, 44, 43.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> Missing["NotApplicable"], "ComplaintID" -> 913636.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{22, 1, 21.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional fixed mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "HSBC North America Holdings Inc.", "State" -> "NC", "ZIPCode" -> "27609", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 26}, TimeObject[{22, 7, 9.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 911532.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{22, 2, 21.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Credit card", "Issue" -> "Communication tactics", "SubIssue" -> "Frequent or repeated calls", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" 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"TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 913644.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{22, 5, 13.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Account terms", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Equifax", "State" -> "CA", "ZIPCode" -> "92606", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 1}, TimeObject[{20, 26, 4.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> Missing["NotApplicable"], "ComplaintID" -> 913959.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{22, 8, 22.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Information is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "TransUnion Intermediate Holdings, Inc.", "State" -> "IN", "ZIPCode" -> "47223", "Tags" -> "Servicemember", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 8, 6}, TimeObject[{16, 45, 41.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 913261.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{22, 10, 26.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional fixed mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Wells Fargo & Company", "State" -> "NC", "ZIPCode" -> "27263", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 26}, TimeObject[{22, 22, 11.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 913648.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{22, 16, 3.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional fixed mortgage", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Wells Fargo & Company", "State" -> "FL", "ZIPCode" -> "33065", "Tags" -> "Older American", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 26}, TimeObject[{22, 22, 12.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> 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"ConsumerDisputed" -> "Yes", "ComplaintID" -> 913717.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{22, 21, 7.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "JPMorgan Chase & Co.", "State" -> "FL", "ZIPCode" -> "33426", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 1}, TimeObject[{18, 30, 59.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 911757.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{22, 21, 9.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Using a debit or ATM card", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Wells Fargo & Company", "State" -> "NM", "ZIPCode" -> "87120", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 1}, TimeObject[{16, 35, 17.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 913718.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{22, 21, 12.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "New York Community Bank", "State" -> "LA", "ZIPCode" -> "70122", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 1}, TimeObject[{18, 46, 4.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 913720.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{22, 23, 1.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional fixed mortgage", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Nationstar Mortgage", "State" -> "VA", "ZIPCode" -> "23321", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 26}, TimeObject[{22, 37, 7.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 913726.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{22, 25, 25.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional adjustable mortgage (ARM)", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Wells Fargo & Company", "State" -> "CO", "ZIPCode" -> "94583", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 1}, TimeObject[{19, 10, 5.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 913932.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{22, 27, 15.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Other (i.e. phone health club etc.)", "Issue" -> "Communication tactics", "SubIssue" -> "Threatened to take legal action", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "ProCollect, Inc", "State" -> "TN", "ZIPCode" -> "37013", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 1}, TimeObject[{17, 4, 19.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 913729.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{22, 27, 19.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "U.S. Bancorp", "State" -> "TN", "ZIPCode" -> "37122", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 26}, TimeObject[{22, 37, 8.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 911538.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{22, 27, 51.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit card", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Billing disputes", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Synchrony Financial", "State" -> "GA", "ZIPCode" -> "30004", "Tags" -> "Servicemember", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 1}, TimeObject[{16, 40, 7.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 913731.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{22, 29, 40.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Consumer Loan", "SubProduct" -> "Vehicle lease", "Issue" -> "Taking out the loan or lease", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Ally Financial Inc.", "State" -> "FL", "ZIPCode" -> "32937", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 26}, TimeObject[{22, 37, 8.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 913733.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{22, 29, 53.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Deposits and withdrawals", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "U.S. Bancorp", "State" -> "CA", "ZIPCode" -> "94523", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 26}, TimeObject[{22, 37, 8.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 913734.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{22, 31, 47.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Other (i.e. phone health club etc.)", "Issue" -> "Cont'd attempts collect debt not owed", "SubIssue" -> "Debt was paid", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Certified Recovery Systems, Inc.", "State" -> "TX", "ZIPCode" -> "77449", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 26}, TimeObject[{22, 37, 9.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 913736.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{22, 35, 17.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Wells Fargo & Company", "State" -> "TX", "ZIPCode" -> "78734", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 1}, TimeObject[{19, 0, 34.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 913742.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{22, 35, 19.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Bank of America", "State" -> "MO", "ZIPCode" -> "65616", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 2}, TimeObject[{16, 45, 49.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 911794.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{22, 35, 20.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Bank of America", "State" -> "FL", "ZIPCode" -> "33173", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 1}, TimeObject[{17, 29, 8.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 913744.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{22, 36, 10.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional fixed mortgage", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Ocwen", "State" -> "NJ", "ZIPCode" -> "07083", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 26}, TimeObject[{22, 37, 9.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 913745.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{22, 36, 26.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Public record", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "TransUnion Intermediate Holdings, Inc.", "State" -> "TX", "ZIPCode" -> "76645", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 1}, TimeObject[{21, 19, 46.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 913746.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{22, 39, 32.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional fixed mortgage", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "JPMorgan Chase & Co.", "State" -> "FL", "ZIPCode" -> "34221", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 26}, TimeObject[{22, 52, 12.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 913749.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{22, 41, 9.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit card", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Billing disputes", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "U.S. Bancorp", "State" -> "WI", "ZIPCode" -> "54220", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 26}, TimeObject[{22, 52, 13.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 913751.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{22, 41, 43.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Account terms", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "JPMorgan Chase & Co.", "State" -> "OK", "ZIPCode" -> "73068", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 1}, TimeObject[{19, 12, 52.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> Missing["NotApplicable"], "ComplaintID" -> 913752.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{22, 42, 21.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional adjustable mortgage (ARM)", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Carrington Mortgage Holdings, LLC.", "State" -> "FL", "ZIPCode" -> "34688", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 26}, TimeObject[{22, 52, 13.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 913753.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{22, 42, 30.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Federal student loan", "Issue" -> "Cont'd attempts collect debt not owed", "SubIssue" -> "Debt is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "ECMC Group, Inc.", "State" -> "CA", "ZIPCode" -> "95822", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 1}, TimeObject[{18, 56, 0.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 911592.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{22, 42, 32.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit card", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Identity theft / Fraud / Embezzlement", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "TD Bank US Holding Company", "State" -> "OH", "ZIPCode" -> "45202", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 1}, TimeObject[{18, 21, 20.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 913755.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{22, 45, 33.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Bank of America", "State" -> "NY", "ZIPCode" -> "11373", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 1}, TimeObject[{17, 53, 54.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 913758.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{22, 45, 35.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Deposits and withdrawals", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Citibank", "State" -> "NY", "ZIPCode" -> "11435", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 1}, TimeObject[{17, 19, 55.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 913760.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{22, 45, 37.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit card", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Other", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Discover", "State" -> "CA", "ZIPCode" -> "92563", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 1}, TimeObject[{17, 13, 29.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 913761.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{22, 45, 39.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "JPMorgan Chase & Co.", "State" -> "WI", "ZIPCode" -> "53532", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 1}, TimeObject[{18, 58, 46.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 913763.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{22, 45, 40.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Wells Fargo & Company", "State" -> "NJ", "ZIPCode" -> "07047", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 1}, TimeObject[{17, 39, 57.}, TimeZone -> -5.], 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-> "PR", "ZIPCode" -> "00936", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 22}, TimeObject[{20, 52, 49.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 913803.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{22, 57, 3.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Savings account", "Issue" -> "Deposits and withdrawals", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Wells Fargo & Company", "State" -> "PA", "ZIPCode" -> "19095", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 1}, TimeObject[{18, 35, 50.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 913804.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{22, 57, 4.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Other (i.e. phone health club etc.)", "Issue" -> "Communication tactics", "SubIssue" -> "Frequent or repeated calls", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Bank of America", "State" -> "CA", "ZIPCode" -> "92504", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 1}, TimeObject[{18, 34, 39.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 913806.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{22, 57, 5.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Bank of America", "State" -> "FL", "ZIPCode" -> "33607", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 1}, TimeObject[{17, 37, 25.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 913807.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{22, 57, 6.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit card", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Other", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Citibank", "State" -> "IN", "ZIPCode" -> "47630", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 1}, TimeObject[{18, 20, 24.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 913808.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{22, 57, 7.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Deposits and withdrawals", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "PNC Bank N.A.", "State" -> "PA", "ZIPCode" -> "19121", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 1}, TimeObject[{18, 36, 45.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 913809.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{22, 57, 7.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit card", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Other", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "JPMorgan Chase & Co.", "State" -> "AZ", "ZIPCode" -> "85710", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 1}, TimeObject[{18, 26, 17.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 913810.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{22, 57, 8.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "JPMorgan Chase & Co.", "State" -> "NY", "ZIPCode" -> "11412", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 1}, TimeObject[{17, 57, 1.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 913811.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{22, 57, 9.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit card", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Other", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Bank of America", "State" -> "CA", "ZIPCode" -> "91911", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 1}, TimeObject[{18, 27, 20.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 913812.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{22, 57, 10.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Bank of America", "State" -> "CA", "ZIPCode" -> "95401", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 1}, TimeObject[{18, 13, 55.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 913813.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{22, 57, 18.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "EverBank", "State" -> "GA", "ZIPCode" -> "30043", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 1}, TimeObject[{17, 29, 39.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 913815.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{22, 57, 19.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Wells Fargo & Company", "State" -> "CA", "ZIPCode" -> "94513", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 1}, TimeObject[{17, 30, 34.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 913816.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{22, 57, 24.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Bank of the West", "State" -> "CA", "ZIPCode" -> "92886", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 1}, TimeObject[{17, 40, 34.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 913819.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{22, 57, 25.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Wells Fargo & Company", "State" -> "FL", "ZIPCode" -> "33184", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 1}, TimeObject[{18, 36, 34.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 912046.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{22, 57, 32.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "M&T Bank Corporation", "State" -> "NY", "ZIPCode" -> "14513", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 1}, TimeObject[{18, 17, 24.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 913821.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{22, 57, 35.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Select Portfolio Servicing, Inc", "State" -> "FL", "ZIPCode" -> "33173", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 1}, TimeObject[{18, 7, 46.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 913823.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{22, 57, 37.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Wells Fargo & Company", "State" -> "AZ", "ZIPCode" -> "86315", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 1}, TimeObject[{18, 24, 41.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 913825.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{22, 57, 38.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Bank of America", "State" -> "CA", "ZIPCode" -> "92868", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 1}, TimeObject[{18, 19, 31.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 912068.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{22, 57, 39.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "PNC Bank N.A.", "State" -> "IL", "ZIPCode" -> "60534", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 1}, TimeObject[{18, 31, 22.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 913826.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{22, 57, 40.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Bank of America", "State" -> "NJ", "ZIPCode" -> "07036", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 1}, TimeObject[{18, 20, 59.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 913827.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{22, 57, 41.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit card", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Billing disputes", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Citibank", "State" -> "MD", "ZIPCode" -> "20850", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 1}, TimeObject[{18, 30, 26.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 913828.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{22, 57, 43.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Credit card", "Issue" -> "Cont'd attempts collect debt not owed", "SubIssue" -> "Debt is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "JPMorgan Chase & Co.", "State" -> "TX", "ZIPCode" -> "78240", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 1}, TimeObject[{17, 40, 3.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 911594.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{22, 57, 45.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Ocwen", "State" -> "TX", "ZIPCode" -> "78640", "Tags" -> "Older American", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 8}, TimeObject[{10, 34, 40.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 913830.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{22, 57, 47.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Making/receiving payments, sending money", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "BB&T Financial", "State" -> "NC", "ZIPCode" -> "28405", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 1}, TimeObject[{17, 51, 16.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 913831.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{22, 57, 48.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Bank of America", "State" -> "AZ", "ZIPCode" -> "86326", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 2}, TimeObject[{13, 44, 34.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 913832.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{22, 57, 49.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Wells Fargo & Company", "State" -> "CA", "ZIPCode" -> "91791", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 1}, TimeObject[{18, 11, 51.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 913945.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{22, 57, 52.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit card", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Identity theft / Fraud / Embezzlement", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "U.S. Bancorp", "State" -> "WA", "ZIPCode" -> "98303", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 3}, TimeObject[{15, 34, 51.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 913833.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{22, 57, 53.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Deposits and withdrawals", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Regions Financial Corporation", "State" -> "TN", "ZIPCode" -> "37130", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 1}, TimeObject[{18, 10, 19.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 913834.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{22, 57, 55.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Home equity loan or line of credit", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Citibank", "State" -> "MI", "ZIPCode" -> "48906", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 1}, TimeObject[{19, 28, 12.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 913835.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{22, 57, 56.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Bank of America", "State" -> "GA", "ZIPCode" -> "30294", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 1}, TimeObject[{19, 42, 18.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 913836.|>, <|"Date" -> DateObject[{2014, 6, 26}, TimeObject[{22, 57, 57.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit card", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Closing/Cancelling account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> 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information on credit report", "SubIssue" -> "Account terms", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Equifax", "State" -> "TX", "ZIPCode" -> "77534", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 27}, TimeObject[{13, 37, 16.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 914686.|>, <|"Date" -> DateObject[{2014, 6, 27}, TimeObject[{13, 31, 1.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit card", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Closing/Cancelling account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Citibank", "State" -> "AP", "ZIPCode" -> "96349", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 1}, TimeObject[{19, 32, 21.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 914152.|>, <|"Date" -> DateObject[{2014, 6, 27}, TimeObject[{13, 32, 1.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit card", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Other", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Bank of America", "State" -> "MA", "ZIPCode" -> "02090", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 1}, TimeObject[{19, 31, 12.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 914153.|>, <|"Date" -> DateObject[{2014, 6, 27}, TimeObject[{13, 33, 2.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Problems caused by my funds being low", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Wells Fargo & Company", "State" -> "TX", "ZIPCode" -> "77642", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 1}, TimeObject[{19, 24, 10.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 914154.|>, <|"Date" -> DateObject[{2014, 6, 27}, TimeObject[{13, 34, 2.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "(CD) Certificate of deposit", "Issue" -> "Deposits and withdrawals", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Wells Fargo & Company", "State" -> "TN", "ZIPCode" -> "38572", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 2}, TimeObject[{14, 8, 12.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 914155.|>, <|"Date" -> DateObject[{2014, 6, 27}, TimeObject[{13, 34, 49.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Student loan", "SubProduct" -> "Non-federal student loan", "Issue" -> "Dealing with my lender or servicer", "SubIssue" -> "Trouble with how payments are handled", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Navient Solutions, Inc.", "State" -> "NY", "ZIPCode" -> "12095", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 27}, TimeObject[{13, 37, 17.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 914689.|>, <|"Date" -> DateObject[{2014, 6, 27}, TimeObject[{13, 35, 2.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Savings account", "Issue" -> "Account opening, closing, or management", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Bank of America", "State" -> "WA", "ZIPCode" -> "98342", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 2}, TimeObject[{14, 10, 34.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 914156.|>, <|"Date" -> DateObject[{2014, 6, 27}, TimeObject[{13, 35, 38.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional fixed mortgage", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Nationstar Mortgage", "State" -> "FL", "ZIPCode" -> "32225", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 27}, TimeObject[{13, 37, 18.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 914690.|>, <|"Date" -> DateObject[{2014, 6, 27}, TimeObject[{13, 36, 19.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Problems caused by my funds being low", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Bank of America", "State" -> "MD", "ZIPCode" -> "21787", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 2}, TimeObject[{14, 35, 1.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 914498.|>, <|"Date" -> DateObject[{2014, 6, 27}, TimeObject[{13, 36, 31.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Credit card", "Issue" -> "Improper contact or sharing of info", "SubIssue" -> "Talked to a third party about my debt", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "ERC", "State" -> "FL", "ZIPCode" -> "33463", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 2}, TimeObject[{14, 21, 29.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 914692.|>, <|"Date" -> DateObject[{2014, 6, 27}, TimeObject[{13, 36, 32.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Credit card", "Issue" -> "Improper contact or sharing of info", "SubIssue" -> "Talked to a third party about my debt", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Capital One", "State" -> "FL", "ZIPCode" -> "33463", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 2}, TimeObject[{14, 49, 45.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 914693.|>, <|"Date" -> DateObject[{2014, 6, 27}, TimeObject[{13, 37, 6.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Other (i.e. phone health club etc.)", "Issue" -> "Cont'd attempts collect debt not owed", "SubIssue" -> "Debt is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "TekCollect Inc.", "State" -> "KY", "ZIPCode" -> "40108", "Tags" -> "Older American", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 2}, TimeObject[{14, 52, 25.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 915712.|>, <|"Date" -> DateObject[{2014, 6, 27}, TimeObject[{13, 38, 2.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Using a debit or ATM card", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "JPMorgan Chase & Co.", "State" -> "TX", "ZIPCode" -> "77720", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 2}, TimeObject[{15, 41, 56.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 914159.|>, <|"Date" -> DateObject[{2014, 6, 27}, TimeObject[{13, 39, 2.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Account opening, closing, or management", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Wells Fargo & Company", "State" -> "", "ZIPCode" -> "", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 9}, TimeObject[{15, 37, 15.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 914160.|>, <|"Date" -> DateObject[{2014, 6, 27}, TimeObject[{13, 40, 3.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Seterus, Inc.", "State" -> "GA", "ZIPCode" -> "30040", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 2}, TimeObject[{16, 3, 32.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 914161.|>, <|"Date" -> DateObject[{2014, 6, 27}, TimeObject[{13, 41, 2.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Consumer Loan", "SubProduct" -> "Vehicle loan", "Issue" -> "Managing the loan or lease", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Fifth Third Financial Corporation", "State" -> "AZ", "ZIPCode" -> "85629", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 1}, TimeObject[{20, 42, 14.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 914162.|>, <|"Date" -> DateObject[{2014, 6, 27}, TimeObject[{13, 42, 1.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit card", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Other", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Wells Fargo & Company", "State" -> "OK", "ZIPCode" -> "95704", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 1}, TimeObject[{20, 28, 21.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 914163.|>, <|"Date" -> DateObject[{2014, 6, 27}, TimeObject[{13, 42, 3.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Other (i.e. phone health club etc.)", "Issue" -> "Cont'd attempts collect debt not owed", "SubIssue" -> "Debt was paid", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Southwest Credit Systems, L.P.", "State" -> "CA", "ZIPCode" -> "95776", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 2}, TimeObject[{14, 53, 11.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 914699.|>, <|"Date" -> DateObject[{2014, 6, 27}, TimeObject[{13, 43, 1.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Account opening, closing, or management", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "JPMorgan Chase & Co.", "State" -> "CA", "ZIPCode" -> "92692", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 2}, TimeObject[{16, 28, 18.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 914164.|>, <|"Date" -> DateObject[{2014, 6, 27}, TimeObject[{13, 44, 2.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Application, originator, mortgage broker", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "PHH Mortgage", "State" -> "PA", "ZIPCode" -> "17062", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 2}, TimeObject[{18, 47, 40.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 914165.|>, <|"Date" -> DateObject[{2014, 6, 27}, TimeObject[{13, 45, 3.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Ocwen", "State" -> "PA", "ZIPCode" -> "18302", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 1}, TimeObject[{21, 45, 53.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 914166.|>, <|"Date" -> DateObject[{2014, 6, 27}, TimeObject[{13, 46, 2.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "U.S. Bancorp", "State" -> "CA", "ZIPCode" -> "90638", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 2}, TimeObject[{16, 30, 50.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 914167.|>, <|"Date" -> DateObject[{2014, 6, 27}, TimeObject[{13, 48, 2.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Deposits and withdrawals", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Bank of the West", "State" -> "AZ", "ZIPCode" -> "85234", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 2}, TimeObject[{17, 7, 22.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 914169.|>, <|"Date" -> DateObject[{2014, 6, 27}, TimeObject[{13, 48, 39.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Information is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Equifax", "State" -> "NC", "ZIPCode" -> "27292", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 27}, TimeObject[{13, 52, 21.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> Missing["NotApplicable"], "ComplaintID" -> 914704.|>, <|"Date" -> DateObject[{2014, 6, 27}, TimeObject[{13, 49, 2.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit card", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Billing disputes", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "JPMorgan Chase & Co.", "State" -> "CA", "ZIPCode" -> "95901", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 1}, TimeObject[{20, 37, 41.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 914170.|>, <|"Date" -> DateObject[{2014, 6, 27}, TimeObject[{13, 50, 3.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Making/receiving payments, sending money", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "USAA Savings", "State" -> "OH", "ZIPCode" -> "43125", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 2}, TimeObject[{17, 14, 44.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 914171.|>, <|"Date" -> DateObject[{2014, 6, 27}, TimeObject[{13, 50, 37.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Medical", "Issue" -> "Disclosure verification of debt", "SubIssue" -> "Not disclosed as an attempt to collect", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "The Receivable Management Services Corporation", "State" -> "AZ", "ZIPCode" -> "85201", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 30}, TimeObject[{11, 41, 35.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 914111.|>, <|"Date" -> DateObject[{2014, 6, 27}, TimeObject[{13, 51, 3.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Account opening, closing, or management", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Wells Fargo & Company", "State" -> "FL", "ZIPCode" -> "33311", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 2}, TimeObject[{17, 20, 8.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 914172.|>, <|"Date" -> DateObject[{2014, 6, 27}, TimeObject[{13, 52, 3.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Consumer Loan", "SubProduct" -> "Installment loan", "Issue" -> "Managing the loan or lease", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "SunTrust Banks, Inc.", "State" -> "MD", "ZIPCode" -> "20841", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 1}, TimeObject[{20, 39, 45.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 914173.|>, <|"Date" -> DateObject[{2014, 6, 27}, TimeObject[{13, 54, 2.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Savings account", "Issue" -> "Account opening, closing, or management", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Wells Fargo & Company", "State" -> "TX", "ZIPCode" -> "79413", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 2}, TimeObject[{17, 22, 8.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 914175.|>, <|"Date" -> DateObject[{2014, 6, 27}, TimeObject[{13, 55, 15.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Information is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "TransUnion Intermediate Holdings, Inc.", "State" -> "NC", "ZIPCode" -> "28401", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 27}, TimeObject[{14, 7, 12.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 914711.|>, <|"Date" -> DateObject[{2014, 6, 27}, TimeObject[{13, 56, 40.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Credit reporting company's investigation", "SubIssue" -> "Problem with statement of dispute", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Equifax", "State" -> "GA", "ZIPCode" -> "30143", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 27}, TimeObject[{14, 7, 12.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 914714.|>, <|"Date" -> DateObject[{2014, 6, 27}, TimeObject[{13, 58, 36.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "I do not know", "Issue" -> "Disclosure verification of debt", "SubIssue" -> "Not given enough info to verify debt", "ComplaintNarrative" 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30.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Payday loan", "Issue" -> "Cont'd attempts collect debt not owed", "SubIssue" -> "Debt resulted from identity theft", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Fix Media", "State" -> "MO", "ZIPCode" -> "63033", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 27}, TimeObject[{15, 22, 13.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 914026.|>, <|"Date" -> DateObject[{2014, 6, 27}, TimeObject[{15, 9, 50.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional fixed mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Citibank", "State" -> "PA", "ZIPCode" -> "15216", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 2}, TimeObject[{13, 32, 46.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 914825.|>, <|"Date" -> DateObject[{2014, 6, 27}, TimeObject[{15, 10, 1.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Information is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Equifax", "State" -> "FL", "ZIPCode" -> "33321", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 27}, TimeObject[{15, 22, 13.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 914826.|>, <|"Date" -> DateObject[{2014, 6, 27}, TimeObject[{15, 16, 43.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "FHA mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Wells Fargo & Company", "State" -> "NJ", "ZIPCode" -> "08062", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 27}, TimeObject[{15, 22, 15.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "No", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 914494.|>, <|"Date" -> DateObject[{2014, 6, 27}, TimeObject[{15, 17, 20.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Account opening, closing, or management", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "BBVA Compass", "State" -> "CA", "ZIPCode" -> "95207", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 2}, TimeObject[{13, 55, 48.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 914080.|>, <|"Date" -> DateObject[{2014, 6, 27}, TimeObject[{15, 17, 21.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Bank of America", "State" -> "CA", "ZIPCode" -> "90247", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 2}, TimeObject[{16, 40, 19.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 914841.|>, <|"Date" -> DateObject[{2014, 6, 27}, TimeObject[{15, 20, 17.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Nationstar Mortgage", "State" -> "FL", "ZIPCode" -> "32766", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 27}, TimeObject[{15, 22, 16.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with 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"Diversified Consultants, Inc.", "State" -> "TX", "ZIPCode" -> "77082", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 27}, TimeObject[{15, 37, 7.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 914860.|>, <|"Date" -> DateObject[{2014, 6, 27}, TimeObject[{15, 25, 18.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional adjustable mortgage (ARM)", "Issue" -> "Credit decision / Underwriting", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Select Portfolio Servicing, Inc", "State" -> "NY", "ZIPCode" -> "12582", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 27}, TimeObject[{15, 37, 8.}, TimeZone -> -5.], TimeZone -> -5.], 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"SubmittedVia" -> "Phone", "DateSent" -> DateObject[{2014, 7, 7}, TimeObject[{15, 34, 9.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 914101.|>, <|"Date" -> DateObject[{2014, 6, 27}, TimeObject[{15, 50, 55.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "U.S. Bancorp", "State" -> "MN", "ZIPCode" -> "55107", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 2}, TimeObject[{14, 36, 55.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 914916.|>, <|"Date" -> 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Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Webcollex, LLC", "State" -> "LA", "ZIPCode" -> "71423", "Tags" -> "Servicemember", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 27}, TimeObject[{18, 7, 24.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 915204.|>, <|"Date" -> DateObject[{2014, 6, 27}, TimeObject[{18, 6, 50.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Consumer Loan", "SubProduct" -> "Personal line of credit", "Issue" -> "Account terms and changes", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Ditech Financial LLC", "State" -> "MI", "ZIPCode" -> "48237", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 2}, 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TimeObject[{7, 7, 11.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 916104.|>, <|"Date" -> DateObject[{2014, 6, 29}, TimeObject[{7, 5, 23.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit card", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Other", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Citibank", "State" -> "CA", "ZIPCode" -> "90807", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 29}, TimeObject[{7, 7, 11.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 916105.|>, <|"Date" -> DateObject[{2014, 6, 29}, TimeObject[{9, 13, 33.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional adjustable mortgage (ARM)", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Select Portfolio Servicing, Inc", "State" -> "OH", "ZIPCode" -> "44143", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 29}, TimeObject[{9, 22, 10.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 916198.|>, <|"Date" -> DateObject[{2014, 6, 29}, TimeObject[{9, 26, 48.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Student loan", "SubProduct" -> "Non-federal student loan", "Issue" -> "Can't repay my loan", "SubIssue" -> "Can't temporarily postpone payments", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Navient Solutions, Inc.", "State" -> "CA", "ZIPCode" -> "94572", "Tags" -> "Servicemember", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 29}, TimeObject[{9, 37, 9.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 916047.|>, <|"Date" -> DateObject[{2014, 6, 29}, TimeObject[{9, 26, 52.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Other (i.e. phone health club etc.)", "Issue" -> "Disclosure verification of debt", "SubIssue" -> "Not given enough info to verify debt", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Credit Bureau Central, Inc (NV)", "State" -> "CA", "ZIPCode" -> "90278", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 2}, TimeObject[{1, 54, 26.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 916036.|>, <|"Date" -> DateObject[{2014, 6, 29}, TimeObject[{9, 42, 6.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional fixed mortgage", "Issue" -> "Settlement process and costs", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "HSBC North America Holdings Inc.", "State" -> "NY", "ZIPCode" -> "14619", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 29}, TimeObject[{9, 52, 10.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 916408.|>, <|"Date" -> DateObject[{2014, 6, 29}, TimeObject[{10, 38, 26.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit card", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Closing/Cancelling account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Capital One", "State" -> "CA", "ZIPCode" -> "94506", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 29}, TimeObject[{10, 52, 5.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 916028.|>, <|"Date" -> DateObject[{2014, 6, 29}, TimeObject[{11, 25, 22.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Payday loan", "SubProduct" -> "Payday loan", "Issue" -> "Can't contact lender", "SubIssue" -> "Can't contact lender", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "CNG Financial Corporation", "State" -> "SC", "ZIPCode" -> "29203", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 29}, TimeObject[{11, 37, 6.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 916109.|>, <|"Date" -> DateObject[{2014, 6, 29}, TimeObject[{12, 1, 30.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Reinserted previously deleted info", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Equifax", "State" -> "NY", "ZIPCode" -> "11357", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 2}, TimeObject[{20, 44, 29.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 916024.|>, <|"Date" -> DateObject[{2014, 6, 29}, TimeObject[{12, 2, 34.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Credit reporting company's investigation", "SubIssue" -> "No notice of investigation status/result", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "TransUnion Intermediate Holdings, Inc.", "State" -> "CA", "ZIPCode" -> "94606", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 29}, TimeObject[{12, 7, 7.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 916046.|>, <|"Date" -> DateObject[{2014, 6, 29}, TimeObject[{12, 13, 38.}, TimeZone -> -5.], TimeZone -> -5.], 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Missing["NotApplicable"], "Company" -> "Citibank", "State" -> "IL", "ZIPCode" -> "60451", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 29}, TimeObject[{12, 37, 7.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 916026.|>, <|"Date" -> DateObject[{2014, 6, 29}, TimeObject[{12, 51, 7.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "I do not know", "Issue" -> "Cont'd attempts collect debt not owed", "SubIssue" -> "Debt is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Encore Capital Group", "State" -> "MD", "ZIPCode" -> "20882", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 29}, TimeObject[{12, 52, 8.}, TimeZone -> -5.], TimeZone -> -5.], 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-> "Credit card", "Issue" -> "Communication tactics", "SubIssue" -> "Frequent or repeated calls", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Expert Global Solutions, Inc.", "State" -> "TX", "ZIPCode" -> "77378", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 29}, TimeObject[{13, 52, 9.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 916115.|>, <|"Date" -> DateObject[{2014, 6, 29}, TimeObject[{14, 35, 23.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "I do not know", "Issue" -> "Disclosure verification of debt", "SubIssue" -> "Not given enough info to verify debt", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Debt Recovery Solutions, LLC", "State" -> "UT", "ZIPCode" -> "84341", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 29}, TimeObject[{14, 37, 13.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 916030.|>, <|"Date" -> DateObject[{2014, 6, 29}, TimeObject[{14, 39, 33.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Credit card", "Issue" -> "Cont'd attempts collect debt not owed", "SubIssue" -> "Debt is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Portfolio Recovery Associates, Inc.", "State" -> "GA", "ZIPCode" -> "30092", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 29}, TimeObject[{14, 52, 8.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 916118.|>, <|"Date" -> DateObject[{2014, 6, 29}, TimeObject[{14, 41, 23.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional fixed mortgage", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Ocwen", "State" -> "OH", "ZIPCode" -> "43016", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 2}, TimeObject[{19, 39, 2.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 916119.|>, <|"Date" -> DateObject[{2014, 6, 29}, TimeObject[{14, 45, 54.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], 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"State" -> "UT", "ZIPCode" -> "84341", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 3}, TimeObject[{12, 1, 11.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 916032.|>, <|"Date" -> DateObject[{2014, 6, 29}, TimeObject[{15, 2, 7.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional fixed mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "JPMorgan Chase & Co.", "State" -> "WA", "ZIPCode" -> "98106", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 3}, TimeObject[{10, 55, 38.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 916120.|>, <|"Date" -> DateObject[{2014, 6, 29}, TimeObject[{15, 19, 15.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Account status", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Equifax", "State" -> "AR", "ZIPCode" -> "72058", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 3}, TimeObject[{12, 3, 27.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 916121.|>, <|"Date" -> DateObject[{2014, 6, 29}, TimeObject[{15, 31, 8.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Problems caused by my funds being low", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "BB&T Financial", "State" -> "GA", "ZIPCode" -> "30014", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 29}, TimeObject[{15, 37, 8.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 916038.|>, <|"Date" -> DateObject[{2014, 6, 29}, TimeObject[{15, 54, 23.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Improper use of my credit report", "SubIssue" -> "Report improperly shared by CRC", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "TransUnion Intermediate Holdings, Inc.", "State" -> "FL", "ZIPCode" -> "33180", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 29}, TimeObject[{16, 7, 8.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 916124.|>, <|"Date" -> DateObject[{2014, 6, 29}, TimeObject[{16, 5, 22.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Problems caused by my funds being low", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "TD Bank US Holding Company", "State" -> "NJ", "ZIPCode" -> "08037", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 29}, TimeObject[{16, 7, 15.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 916125.|>, <|"Date" -> DateObject[{2014, 6, 29}, TimeObject[{16, 7, 45.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Money transfers", "SubProduct" -> "Domestic (US) money transfer", "Issue" -> "Fraud or scam", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "MoneyGram", "State" -> "CA", "ZIPCode" -> "93436", "Tags" -> "Servicemember", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 29}, TimeObject[{16, 22, 10.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 916126.|>, <|"Date" -> DateObject[{2014, 6, 29}, TimeObject[{16, 10, 36.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit card", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Rewards", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "JPMorgan Chase & Co.", "State" -> "PA", "ZIPCode" -> "19030", "Tags" -> "Older American", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 29}, TimeObject[{16, 22, 12.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 916127.|>, <|"Date" -> DateObject[{2014, 6, 29}, TimeObject[{16, 18, 31.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Nationstar Mortgage", "State" -> "NH", "ZIPCode" -> "03837", "Tags" -> "", 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"SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Ditech Financial LLC", "State" -> "AZ", "ZIPCode" -> "85251", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 30}, TimeObject[{14, 37, 10.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 916989.|>, <|"Date" -> DateObject[{2014, 6, 30}, TimeObject[{14, 38, 38.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional fixed mortgage", "Issue" -> "Application, originator, mortgage broker", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Bank of America", "State" -> "ME", "ZIPCode" -> "04342", "Tags" -> "Older American", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 30}, TimeObject[{14, 52, 6.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 916993.|>, <|"Date" -> DateObject[{2014, 6, 30}, TimeObject[{14, 40, 3.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Student loan", "SubProduct" -> "Non-federal student loan", "Issue" -> "Can't repay my loan", "SubIssue" -> "Can't decrease my monthly payments", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Navient Solutions, Inc.", "State" -> "CA", "ZIPCode" -> "90620", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 6, 30}, TimeObject[{14, 52, 7.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", 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Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Ocwen", "State" -> "FL", "ZIPCode" -> "33881", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 1}, TimeObject[{12, 37, 6.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 918238.|>, <|"Date" -> DateObject[{2014, 7, 1}, TimeObject[{12, 37, 56.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "I do not know", "Issue" -> "Cont'd attempts collect debt not owed", "SubIssue" -> "Debt is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Expert Global Solutions, Inc.", "State" -> "GA", "ZIPCode" -> "30605", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 7}, TimeObject[{15, 41, 3.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 918903.|>, <|"Date" -> DateObject[{2014, 7, 1}, TimeObject[{12, 38, 9.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit card", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Billing disputes", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Regions Financial Corporation", "State" -> "IA", "ZIPCode" -> "50124", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 7}, TimeObject[{16, 13, 58.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 918909.|>, <|"Date" -> DateObject[{2014, 7, 1}, TimeObject[{12, 39, 2.}, TimeZone -> -5.], TimeZone -> -5.], 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Missing["NotApplicable"], "Company" -> "Comerica", "State" -> "MI", "ZIPCode" -> "48235", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 7}, TimeObject[{16, 38, 3.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 919217.|>, <|"Date" -> DateObject[{2014, 7, 1}, TimeObject[{12, 42, 2.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Application, originator, mortgage broker", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Maryland Mutual Mortgage, LLC", "State" -> "VA", "ZIPCode" -> "22191", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 8, 6}, TimeObject[{12, 54, 0.}, TimeZone -> -5.], TimeZone -> 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collection", "SubProduct" -> "Other (i.e. phone health club etc.)", "Issue" -> "Improper contact or sharing of info", "SubIssue" -> "Talked to a third party about my debt", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Credit Bureau of Napa", "State" -> "OH", "ZIPCode" -> "43232", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 1}, TimeObject[{16, 7, 8.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 919206.|>, <|"Date" -> DateObject[{2014, 7, 1}, TimeObject[{16, 3, 5.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Reinserted previously deleted info", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Equifax", "State" -> "VT", "ZIPCode" -> "05753", "Tags" -> "Older American", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 1}, TimeObject[{16, 7, 9.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 919213.|>, <|"Date" -> DateObject[{2014, 7, 1}, TimeObject[{16, 6, 9.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional fixed mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Nationstar Mortgage", "State" -> "WY", "ZIPCode" -> "82801", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 1}, TimeObject[{16, 7, 10.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 919214.|>, <|"Date" -> DateObject[{2014, 7, 1}, TimeObject[{16, 7, 14.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Account status", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Equifax", "State" -> "VA", "ZIPCode" -> "23043", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 7}, TimeObject[{18, 23, 27.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 919216.|>, <|"Date" -> DateObject[{2014, 7, 1}, TimeObject[{16, 7, 43.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "FHA mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Wells Fargo & Company", "State" -> "NJ", "ZIPCode" -> "07013", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 1}, TimeObject[{16, 22, 5.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 919218.|>, <|"Date" -> DateObject[{2014, 7, 1}, TimeObject[{16, 9, 10.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Payday loan", "SubProduct" -> "Payday loan", "Issue" -> "Applied for loan/did not receive money", "SubIssue" -> "Applied for loan/did not receive money", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Banco Popular North America", "State" -> "FL", "ZIPCode" -> "32712", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Phone", "DateSent" -> DateObject[{2014, 7, 7}, TimeObject[{14, 33, 48.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 919223.|>, <|"Date" -> DateObject[{2014, 7, 1}, TimeObject[{16, 9, 36.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Student loan", "SubProduct" -> "Non-federal student loan", "Issue" -> "Can't repay my loan", "SubIssue" -> "Can't decrease my monthly payments", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "AES/PHEAA", "State" -> "NJ", "ZIPCode" -> "08060", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 1}, TimeObject[{16, 22, 6.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 919225.|>, <|"Date" -> DateObject[{2014, 7, 1}, TimeObject[{16, 11, 7.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Student loan", "SubProduct" -> "Non-federal student loan", "Issue" -> "Dealing with my lender or servicer", "SubIssue" -> "Trouble with how payments are handled", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Navient Solutions, Inc.", "State" -> "WI", "ZIPCode" -> "54308", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 1}, TimeObject[{16, 22, 6.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 919230.|>, <|"Date" -> DateObject[{2014, 7, 1}, TimeObject[{16, 11, 20.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Other (i.e. phone health club etc.)", "Issue" -> "Cont'd attempts collect debt not owed", "SubIssue" -> "Debt is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Credit Bureau of Napa", "State" -> "OH", "ZIPCode" -> "43232", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 8}, TimeObject[{10, 45, 11.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 919208.|>, <|"Date" -> DateObject[{2014, 7, 1}, TimeObject[{16, 11, 46.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Account status", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Equifax", "State" -> "TX", "ZIPCode" -> "77064", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 1}, TimeObject[{16, 22, 7.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> Missing["NotApplicable"], "ComplaintID" -> 919231.|>, <|"Date" -> DateObject[{2014, 7, 1}, TimeObject[{16, 12, 47.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional fixed mortgage", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Ditech Financial LLC", "State" -> "FL", "ZIPCode" -> "32707", "Tags" -> "Older American", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 1}, TimeObject[{16, 22, 7.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 919232.|>, <|"Date" -> DateObject[{2014, 7, 1}, TimeObject[{16, 13, 1.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "I do not know", "Issue" -> "Communication tactics", "SubIssue" -> "Called after sent written cease of comm", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "URS Holding, LLC", "State" -> "CT", "ZIPCode" -> "06461", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 7}, TimeObject[{21, 45, 54.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 919233.|>, <|"Date" -> DateObject[{2014, 7, 1}, TimeObject[{16, 14, 44.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Other (i.e. phone health club etc.)", "Issue" -> "Communication tactics", "SubIssue" -> "Threatened to take legal action", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Monterey Financial Services, Inc.", "State" -> "SC", "ZIPCode" -> "29073", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 1}, TimeObject[{16, 22, 8.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 919240.|>, <|"Date" -> DateObject[{2014, 7, 1}, TimeObject[{16, 17, 26.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Account status", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Equifax", "State" -> "NY", "ZIPCode" -> "14051", "Tags" -> "Older American", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 1}, TimeObject[{16, 22, 9.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> Missing["NotApplicable"], "ComplaintID" -> 919245.|>, <|"Date" -> DateObject[{2014, 7, 1}, TimeObject[{16, 18, 33.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "PNC Bank N.A.", "State" -> "MD", "ZIPCode" -> "20768", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 7}, TimeObject[{15, 42, 25.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 919251.|>, <|"Date" -> DateObject[{2014, 7, 1}, TimeObject[{16, 19, 47.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Other (i.e. phone health club etc.)", "Issue" -> "Cont'd attempts collect debt not owed", "SubIssue" -> "Debt is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "ERC", "State" -> "KY", "ZIPCode" -> "40216", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 1}, TimeObject[{16, 22, 10.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 919012.|>, <|"Date" -> DateObject[{2014, 7, 1}, TimeObject[{16, 20, 2.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional fixed mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Ditech Financial LLC", "State" -> "FL", "ZIPCode" -> "33647", "Tags" -> "Older American", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 1}, TimeObject[{16, 22, 10.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 919258.|>, <|"Date" -> DateObject[{2014, 7, 1}, TimeObject[{16, 23, 50.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Public record", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Equifax", "State" -> "MD", "ZIPCode" -> "20877", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 1}, TimeObject[{16, 37, 6.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 918307.|>, <|"Date" -> DateObject[{2014, 7, 1}, TimeObject[{16, 27, 43.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Credit card", "Issue" -> "Cont'd attempts collect debt not owed", "SubIssue" -> "Debt is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Encore Capital Group", "State" -> "MI", "ZIPCode" -> "48035", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 1}, TimeObject[{16, 37, 7.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 919272.|>, <|"Date" -> DateObject[{2014, 7, 1}, TimeObject[{16, 28, 17.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Credit reporting company's investigation", "SubIssue" -> "Problem with statement of dispute", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "TransUnion Intermediate Holdings, Inc.", "State" -> "NY", "ZIPCode" -> "11710", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 1}, TimeObject[{16, 37, 8.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 919264.|>, <|"Date" -> DateObject[{2014, 7, 1}, TimeObject[{16, 28, 45.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit card", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Customer service / Customer relations", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Synchrony Financial", "State" -> "PR", "ZIPCode" -> "00685", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Phone", "DateSent" -> DateObject[{2014, 7, 7}, TimeObject[{15, 33, 24.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 919273.|>, <|"Date" -> DateObject[{2014, 7, 1}, TimeObject[{16, 29, 41.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Medical", "Issue" -> "Disclosure verification of debt", "SubIssue" -> "Not given enough info to verify debt", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Commonwealth Financial Systems, Inc.", "State" -> "KY", "ZIPCode" -> "40216", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 1}, TimeObject[{16, 37, 8.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 919014.|>, <|"Date" -> DateObject[{2014, 7, 1}, TimeObject[{16, 30, 27.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Public record", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Equifax", "State" -> "MD", "ZIPCode" -> "20877", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 1}, TimeObject[{16, 37, 9.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 918282.|>, <|"Date" -> DateObject[{2014, 7, 1}, TimeObject[{16, 31, 51.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Payday loan", "Issue" -> "Taking/threatening an illegal action", "SubIssue" -> "Threatened arrest/jail if do not pay", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Oracle Financial Group LLC.", "State" -> "NC", "ZIPCode" -> "27106", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 28}, TimeObject[{12, 57, 56.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 919281.|>, <|"Date" -> DateObject[{2014, 7, 1}, TimeObject[{16, 32, 3.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Credit reporting company's investigation", "SubIssue" -> "Problem with statement of dispute", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Equifax", "State" -> "NY", "ZIPCode" -> "11710", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 1}, TimeObject[{16, 37, 10.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 919265.|>, <|"Date" -> DateObject[{2014, 7, 1}, TimeObject[{16, 32, 17.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "I do not know", "Issue" -> "Cont'd attempts collect debt not owed", "SubIssue" -> "Debt is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "I.C. System, Inc.", "State" -> "CA", "ZIPCode" -> "93292", "Tags" -> "Older American", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Phone", "DateSent" -> DateObject[{2014, 7, 7}, TimeObject[{21, 54, 51.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 919282.|>, <|"Date" -> DateObject[{2014, 7, 1}, TimeObject[{16, 34, 11.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Account opening, closing, or management", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "PNC Bank N.A.", "State" -> "MD", "ZIPCode" -> "21223", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 7}, TimeObject[{16, 24, 21.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 919284.|>, <|"Date" -> DateObject[{2014, 7, 1}, TimeObject[{16, 34, 20.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Account status", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Experian", "State" -> "NY", "ZIPCode" -> "11710", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 1}, TimeObject[{16, 37, 11.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 919266.|>, <|"Date" -> DateObject[{2014, 7, 1}, TimeObject[{16, 36, 15.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> 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"ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 11}, TimeObject[{12, 28, 38.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 918265.|>, <|"Date" -> DateObject[{2014, 7, 1}, TimeObject[{18, 47, 1.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Mortgage", "Issue" -> "Disclosure verification of debt", "SubIssue" -> "Not given enough info to verify debt", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Wells Fargo & Company", "State" -> "PA", "ZIPCode" -> "17406", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 8}, TimeObject[{14, 21, 23.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 918399.|>, <|"Date" -> DateObject[{2014, 7, 1}, TimeObject[{18, 47, 16.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "I do not know", "Issue" -> "Communication tactics", "SubIssue" -> "Frequent or repeated calls", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Portfolio Recovery Associates, Inc.", "State" -> "IL", "ZIPCode" -> "60010", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 1}, TimeObject[{18, 52, 9.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 918249.|>, <|"Date" -> DateObject[{2014, 7, 1}, TimeObject[{18, 48, 2.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Bank of America", "State" -> "NJ", "ZIPCode" -> "07040", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 15}, TimeObject[{15, 33, 34.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 918400.|>, <|"Date" -> DateObject[{2014, 7, 1}, TimeObject[{18, 48, 7.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional adjustable mortgage (ARM)", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Ocwen", "State" -> "CA", "ZIPCode" -> "91344", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 1}, TimeObject[{18, 52, 10.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 918731.|>, <|"Date" -> DateObject[{2014, 7, 1}, TimeObject[{18, 48, 12.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Credit card", "Issue" -> "Taking/threatening an illegal action", "SubIssue" -> "Seized/Attempted to seize property", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Navy FCU", "State" -> "VA", "ZIPCode" -> "22193", "Tags" -> "Servicemember", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 1}, TimeObject[{18, 52, 10.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 919579.|>, <|"Date" -> DateObject[{2014, 7, 1}, TimeObject[{18, 49, 41.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "I do not know", "Issue" -> "Communication tactics", "SubIssue" -> "Used obscene/profane/abusive language", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Account Discovery Systems, LLC", "State" -> "FL", "ZIPCode" -> "33142", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 7}, TimeObject[{17, 49, 47.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 919563.|>, <|"Date" -> DateObject[{2014, 7, 1}, TimeObject[{18, 50, 4.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "(CD) Certificate of deposit", "Issue" -> "Account opening, closing, or management", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "U.S. Bancorp", "State" -> "WA", "ZIPCode" -> "98685", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 7}, TimeObject[{21, 23, 29.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 919813.|>, <|"Date" -> DateObject[{2014, 7, 1}, TimeObject[{18, 51, 3.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Ocwen", "State" -> "FL", "ZIPCode" -> "33027", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" 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Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Navy FCU", "State" -> "CA", "ZIPCode" -> "92123", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 7}, TimeObject[{21, 14, 52.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 918402.|>, <|"Date" -> DateObject[{2014, 7, 1}, TimeObject[{18, 53, 2.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Bank of America", "State" -> "CO", "ZIPCode" -> "81635", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 7}, TimeObject[{21, 30, 58.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 919787.|>, <|"Date" -> DateObject[{2014, 7, 1}, TimeObject[{18, 54, 2.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Account opening, closing, or management", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Bank of America", "State" -> "GA", "ZIPCode" -> "30315", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 7}, TimeObject[{20, 49, 6.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 920120.|>, <|"Date" -> DateObject[{2014, 7, 1}, TimeObject[{18, 55, 3.}, TimeZone -> 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Missing["NotApplicable"], "Company" -> "Real Time Resolutions", "State" -> "SC", "ZIPCode" -> "29527", "Tags" -> "Servicemember", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 1}, TimeObject[{19, 7, 9.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 919589.|>, <|"Date" -> DateObject[{2014, 7, 1}, TimeObject[{18, 56, 37.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Mortgage", "Issue" -> "Disclosure verification of debt", "SubIssue" -> "Not given enough info to verify debt", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Bank of America", "State" -> "SC", "ZIPCode" -> "29527", "Tags" -> "Servicemember", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 1}, TimeObject[{19, 7, 8.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 919590.|>, <|"Date" -> DateObject[{2014, 7, 1}, TimeObject[{18, 57, 2.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Deposits and withdrawals", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Navy FCU", "State" -> "NC", "ZIPCode" -> "28273", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 7}, TimeObject[{20, 53, 5.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 918405.|>, <|"Date" -> DateObject[{2014, 7, 1}, TimeObject[{18, 57, 39.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "FHA mortgage", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Seterus, Inc.", "State" -> "FL", "ZIPCode" -> "33470", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 1}, TimeObject[{19, 7, 10.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 919595.|>, <|"Date" -> DateObject[{2014, 7, 1}, TimeObject[{18, 57, 59.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Auto", "Issue" -> "Communication tactics", "SubIssue" -> "Called outside of 8am-9pm", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Byrider Franchising, LLC", "State" -> "AZ", "ZIPCode" -> "85021", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 1}, TimeObject[{19, 7, 10.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 919596.|>, <|"Date" -> DateObject[{2014, 7, 1}, TimeObject[{18, 58, 2.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Making/receiving payments, sending money", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Navy FCU", "State" -> "KY", "ZIPCode" -> "42701", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 7}, TimeObject[{20, 57, 23.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 918406.|>, <|"Date" -> DateObject[{2014, 7, 1}, TimeObject[{18, 59, 2.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Deposits and withdrawals", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Navy FCU", "State" -> "GA", "ZIPCode" -> "30032", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 7}, TimeObject[{21, 4, 39.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 918407.|>, <|"Date" -> DateObject[{2014, 7, 1}, TimeObject[{19, 0, 48.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Nationstar Mortgage", "State" -> "CA", "ZIPCode" -> "92301", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Fax", "DateSent" -> DateObject[{2014, 7, 7}, TimeObject[{19, 26, 7.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 918366.|>, <|"Date" -> DateObject[{2014, 7, 1}, TimeObject[{19, 1, 0.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Information is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "TransUnion Intermediate Holdings, Inc.", "State" -> "CA", "ZIPCode" -> "90005", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 7}, TimeObject[{20, 22, 45.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 919602.|>, <|"Date" -> DateObject[{2014, 7, 1}, TimeObject[{19, 2, 27.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Using a debit or ATM card", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Wells Fargo & Company", "State" -> "AL", "ZIPCode" -> "35212", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Postal mail", "DateSent" -> DateObject[{2014, 7, 7}, TimeObject[{20, 44, 5.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 919605.|>, <|"Date" -> DateObject[{2014, 7, 1}, TimeObject[{19, 3, 31.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Payday loan", "SubProduct" -> "Payday loan", "Issue" -> "Can't stop charges to bank account", "SubIssue" -> "Can't stop charges to bank account", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Speedy Cash Holdings", "State" -> "MO", "ZIPCode" -> "63104", "Tags" -> "Older American", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 1}, TimeObject[{19, 7, 13.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 919607.|>, <|"Date" -> DateObject[{2014, 7, 1}, TimeObject[{19, 3, 33.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional fixed mortgage", "Issue" -> "Loan servicing, payments, escrow 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"", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 8}, TimeObject[{0, 40, 13.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 919611.|>, <|"Date" -> DateObject[{2014, 7, 1}, TimeObject[{19, 4, 56.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Other (i.e. phone health club etc.)", "Issue" -> "Communication tactics", "SubIssue" -> "Called outside of 8am-9pm", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Diversified Consultants, Inc.", "State" -> "LA", "ZIPCode" -> "70634", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 1}, TimeObject[{19, 7, 14.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" 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"Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 3}, TimeObject[{12, 51, 6.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 919900.|>, <|"Date" -> DateObject[{2014, 7, 1}, TimeObject[{21, 16, 17.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Account status", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Experian", "State" -> "UT", "ZIPCode" -> "77450", "Tags" -> "Servicemember", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 1}, TimeObject[{21, 22, 11.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", 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are unable to pay", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "American Honda Finance Corporation", "State" -> "OH", "ZIPCode" -> "44903", "Tags" -> "Older American", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 1}, TimeObject[{21, 22, 12.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 919911.|>, <|"Date" -> DateObject[{2014, 7, 1}, TimeObject[{21, 19, 29.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Account status", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Experian", "State" -> "GA", "ZIPCode" -> "30344", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 1}, TimeObject[{21, 22, 13.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 919914.|>, <|"Date" -> DateObject[{2014, 7, 1}, TimeObject[{21, 20, 49.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Ocwen", "State" -> "NJ", "ZIPCode" -> "07670", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 8}, TimeObject[{10, 30, 10.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 919919.|>, <|"Date" -> DateObject[{2014, 7, 1}, TimeObject[{21, 20, 59.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Unable to get credit report/credit score", "SubIssue" -> "Problem getting report or credit score", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Experian", "State" -> "TN", "ZIPCode" -> "37405", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 3}, TimeObject[{13, 27, 49.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 919901.|>, <|"Date" -> DateObject[{2014, 7, 1}, TimeObject[{21, 21, 0.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Other (i.e. phone health club etc.)", "Issue" -> "Cont'd attempts collect 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"ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 8}, TimeObject[{11, 23, 47.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 919923.|>, <|"Date" -> DateObject[{2014, 7, 1}, TimeObject[{21, 22, 56.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Payday loan", "Issue" -> "Disclosure verification of debt", "SubIssue" -> "Not given enough info to verify debt", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Delbert Services", "State" -> "TN", "ZIPCode" -> "37043", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 7}, TimeObject[{18, 31, 28.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 919546.|>, <|"Date" -> DateObject[{2014, 7, 1}, TimeObject[{21, 23, 5.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Account opening, closing, or management", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Citizens Financial Group, Inc.", "State" -> "IL", "ZIPCode" -> "60611", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 1}, TimeObject[{21, 37, 5.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 918236.|>, <|"Date" -> DateObject[{2014, 7, 1}, TimeObject[{21, 26, 38.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Deposits and withdrawals", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Wells Fargo & Company", "State" -> "MD", "ZIPCode" -> "21239", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Phone", "DateSent" -> DateObject[{2014, 7, 8}, TimeObject[{0, 28, 27.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 919931.|>, <|"Date" -> DateObject[{2014, 7, 1}, TimeObject[{21, 27, 30.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Information is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Experian", "State" -> "GA", "ZIPCode" -> "30344", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 8}, TimeObject[{12, 27, 45.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 919915.|>, <|"Date" -> DateObject[{2014, 7, 1}, TimeObject[{21, 29, 8.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Unable to get credit report/credit score", "SubIssue" -> "Problem getting report or credit score", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "TransUnion Intermediate Holdings, Inc.", "State" -> "TN", "ZIPCode" -> "37405", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 8}, TimeObject[{12, 14, 40.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 919902.|>, <|"Date" -> DateObject[{2014, 7, 1}, TimeObject[{21, 30, 26.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit card", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Balance transfer", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Bank of America", "State" -> "OH", "ZIPCode" -> "44143", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 8}, TimeObject[{11, 48, 28.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 919934.|>, <|"Date" -> DateObject[{2014, 7, 1}, TimeObject[{21, 33, 25.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Other (i.e. phone health club etc.)", "Issue" -> "Disclosure verification of debt", "SubIssue" -> "Not given enough info to verify debt", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Carter-Young, Inc.", "State" -> "AR", "ZIPCode" -> "72301", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Phone", "DateSent" -> DateObject[{2014, 7, 8}, TimeObject[{10, 57, 2.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 919939.|>, <|"Date" -> DateObject[{2014, 7, 1}, TimeObject[{21, 39, 48.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Other (i.e. phone health club etc.)", "Issue" -> "Improper contact or sharing of info", "SubIssue" -> "Talked to a third party about my debt", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "American Revenue Management, Inc.", "State" -> "CA", "ZIPCode" -> "91367", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 8}, TimeObject[{12, 24, 6.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 919949.|>, <|"Date" -> DateObject[{2014, 7, 1}, TimeObject[{21, 40, 23.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Deposits and withdrawals", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Wells Fargo & Company", "State" -> "FL", "ZIPCode" -> "34236", "Tags" -> "Older American", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Phone", "DateSent" -> DateObject[{2014, 7, 8}, TimeObject[{10, 13, 33.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 919952.|>, <|"Date" -> DateObject[{2014, 7, 1}, TimeObject[{21, 40, 43.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "I do not know", "Issue" -> "Communication tactics", "SubIssue" -> "Threatened to take legal action", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Critical Resolution Mediation LLC", "State" -> "FL", "ZIPCode" -> "33160", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 8, 13}, TimeObject[{13, 30, 39.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed", "TimelyResponse" -> "No", "ConsumerDisputed" -> "No", "ComplaintID" -> 918352.|>, <|"Date" -> DateObject[{2014, 7, 1}, TimeObject[{21, 41, 26.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Account status", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Experian", "State" -> "CA", "ZIPCode" -> "91505", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Postal mail", "DateSent" -> DateObject[{2014, 7, 21}, TimeObject[{19, 43, 51.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> Missing["NotApplicable"], "ComplaintID" -> 918454.|>, <|"Date" -> DateObject[{2014, 7, 1}, TimeObject[{21, 42, 38.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Account status", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Equifax", "State" -> "CA", "ZIPCode" -> "91505", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Postal mail", "DateSent" -> DateObject[{2014, 7, 21}, TimeObject[{20, 54, 30.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 918455.|>, <|"Date" -> DateObject[{2014, 7, 1}, TimeObject[{21, 43, 35.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Account status", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "TransUnion Intermediate Holdings, Inc.", "State" -> "CA", "ZIPCode" -> "91505", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Postal mail", "DateSent" -> DateObject[{2014, 7, 21}, TimeObject[{20, 56, 18.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> 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"SubProduct" -> Missing["NotApplicable"], "Issue" -> "Identity theft / Fraud / Embezzlement", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Experian", "State" -> "PA", "ZIPCode" -> "19382", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 8}, TimeObject[{11, 6, 53.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 919959.|>, <|"Date" -> DateObject[{2014, 7, 1}, TimeObject[{21, 47, 9.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Other bank product/service", "Issue" -> "Account opening, closing, or management", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> 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"Phone", "DateSent" -> DateObject[{2014, 7, 8}, TimeObject[{19, 53, 44.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 921189.|>, <|"Date" -> DateObject[{2014, 7, 2}, TimeObject[{16, 18, 4.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Account status", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Experian", "State" -> "NC", "ZIPCode" -> "27007", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 2}, TimeObject[{16, 22, 11.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 920235.|>, <|"Date" -> 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"ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Equifax", "State" -> "TX", "ZIPCode" -> "75062", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 8}, TimeObject[{16, 22, 46.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 920313.|>, <|"Date" -> DateObject[{2014, 7, 2}, TimeObject[{16, 24, 53.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit card", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Sale of account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Bank of America", "State" -> "AL", "ZIPCode" -> "36571", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Postal mail", "DateSent" -> DateObject[{2014, 7, 8}, 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Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Experian", "State" -> "TX", "ZIPCode" -> "75062", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 8}, TimeObject[{17, 54, 26.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 920315.|>, <|"Date" -> DateObject[{2014, 7, 2}, TimeObject[{16, 29, 50.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "I do not know", "Issue" -> "Cont'd attempts collect debt not owed", "SubIssue" -> "Debt is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Commercial Trade, Inc.", "State" -> "TX", "ZIPCode" -> "77375", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 8}, TimeObject[{16, 43, 40.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 920326.|>, <|"Date" -> DateObject[{2014, 7, 2}, TimeObject[{16, 30, 0.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "FHA mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Bank of America", "State" -> "PA", "ZIPCode" -> "18103", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 2}, TimeObject[{16, 37, 13.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 920370.|>, <|"Date" -> DateObject[{2014, 7, 2}, TimeObject[{16, 30, 28.}, TimeZone -> 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"CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "TransUnion Intermediate Holdings, Inc.", "State" -> "TX", "ZIPCode" -> "78506", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 8}, TimeObject[{18, 12, 59.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 920317.|>, <|"Date" -> DateObject[{2014, 7, 2}, TimeObject[{16, 32, 52.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Account status", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "TransUnion Intermediate Holdings, Inc.", "State" -> "NC", "ZIPCode" -> "27007", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 2}, TimeObject[{16, 37, 14.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> Missing["NotApplicable"], "ComplaintID" -> 920236.|>, <|"Date" -> DateObject[{2014, 7, 2}, TimeObject[{16, 33, 19.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "I do not know", "Issue" -> "Communication tactics", "SubIssue" -> "Frequent or repeated calls", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Encore Capital Group", "State" -> "TX", "ZIPCode" -> "76137", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Postal mail", "DateSent" -> DateObject[{2014, 7, 8}, TimeObject[{19, 28, 10.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 920723.|>, <|"Date" -> DateObject[{2014, 7, 2}, TimeObject[{16, 34, 30.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Consumer Loan", "SubProduct" -> "Vehicle loan", "Issue" -> "Managing the loan or lease", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Santander Consumer USA Holdings Inc", "State" -> "RI", "ZIPCode" -> "02917", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Postal mail", "DateSent" -> DateObject[{2014, 7, 8}, TimeObject[{19, 42, 35.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 920651.|>, <|"Date" -> DateObject[{2014, 7, 2}, TimeObject[{16, 35, 17.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Account status", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Experian", "State" -> "CO", "ZIPCode" -> "92143", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 2}, TimeObject[{16, 37, 32.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 921221.|>, <|"Date" -> DateObject[{2014, 7, 2}, TimeObject[{16, 38, 41.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Account status", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Experian", "State" -> "WA", "ZIPCode" -> "98122", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 3}, TimeObject[{15, 41, 48.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> Missing["NotApplicable"], "ComplaintID" -> 921235.|>, <|"Date" -> DateObject[{2014, 7, 2}, TimeObject[{16, 38, 47.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Using a debit or ATM card", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "PNC Bank N.A.", "State" -> "OH", "ZIPCode" -> "43207", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Phone", "DateSent" -> DateObject[{2014, 7, 8}, TimeObject[{18, 40, 58.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 921236.|>, <|"Date" -> DateObject[{2014, 7, 2}, TimeObject[{16, 39, 50.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Deposits and withdrawals", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "BOK Financial Corp", "State" -> "OK", "ZIPCode" -> "74020", "Tags" -> "Servicemember", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Phone", "DateSent" -> DateObject[{2014, 7, 8}, TimeObject[{17, 29, 2.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 921237.|>, <|"Date" -> DateObject[{2014, 7, 2}, TimeObject[{16, 41, 36.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Medical", "Issue" -> "Cont'd attempts collect debt not owed", "SubIssue" -> "Debt is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Healthcare Management, LLC", "State" -> "FL", "ZIPCode" -> "33140", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 2}, TimeObject[{16, 52, 9.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 921243.|>, <|"Date" -> DateObject[{2014, 7, 2}, TimeObject[{16, 43, 45.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Deposits and withdrawals", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Bank of America", "State" -> "VA", "ZIPCode" -> "30047", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Postal mail", "DateSent" -> DateObject[{2014, 7, 8}, TimeObject[{18, 43, 42.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 921256.|>, <|"Date" -> DateObject[{2014, 7, 2}, TimeObject[{16, 44, 53.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Information is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Equifax", "State" -> "TX", "ZIPCode" -> "75062", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 8}, TimeObject[{18, 26, 10.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 920319.|>, <|"Date" -> DateObject[{2014, 7, 2}, TimeObject[{16, 44, 55.}, TimeZone -> -5.], TimeZone -> -5.], "Product" 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-> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "HSBC North America Holdings Inc.", "State" -> "NY", "ZIPCode" -> "14845", "Tags" -> "Older American", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Postal mail", "DateSent" -> DateObject[{2014, 7, 8}, TimeObject[{20, 30, 5.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 920434.|>, <|"Date" -> DateObject[{2014, 7, 2}, TimeObject[{18, 6, 7.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Consumer Loan", "SubProduct" -> "Installment loan", "Issue" -> "Problems when you are unable to pay", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Citibank", "State" -> "ME", "ZIPCode" -> "04981", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 7}, TimeObject[{19, 6, 24.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 920260.|>, <|"Date" -> DateObject[{2014, 7, 2}, TimeObject[{18, 6, 13.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit card", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Customer service / Customer relations", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Citibank", "State" -> "LA", "ZIPCode" -> "71351", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Phone", "DateSent" -> DateObject[{2014, 7, 8}, TimeObject[{19, 56, 46.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 921499.|>, <|"Date" -> DateObject[{2014, 7, 2}, TimeObject[{18, 8, 18.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional adjustable mortgage (ARM)", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "JPMorgan Chase & Co.", "State" -> "CA", "ZIPCode" -> "94588", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 2}, TimeObject[{18, 22, 17.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 920352.|>, <|"Date" -> DateObject[{2014, 7, 2}, TimeObject[{18, 8, 51.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Other bank product/service", "Issue" -> "Account opening, closing, or management", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Citizens Financial Group, Inc.", "State" -> "IL", "ZIPCode" -> "60618", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 8}, TimeObject[{19, 18, 55.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 921502.|>, <|"Date" -> DateObject[{2014, 7, 2}, TimeObject[{18, 9, 32.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Auto", "Issue" -> "Cont'd attempts collect debt not owed", "SubIssue" -> "Debt is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Encore Capital Group", "State" -> "IN", "ZIPCode" -> "46361", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 2}, TimeObject[{18, 22, 18.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 921504.|>, <|"Date" -> DateObject[{2014, 7, 2}, TimeObject[{18, 10, 56.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "VA mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Bank of America", "State" -> "WA", "ZIPCode" -> "98221", "Tags" -> "Servicemember", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 2}, TimeObject[{18, 22, 18.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 921509.|>, <|"Date" -> DateObject[{2014, 7, 2}, TimeObject[{18, 11, 55.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional fixed mortgage", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "JPMorgan Chase & Co.", "State" -> "NC", "ZIPCode" -> "28801", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 8}, TimeObject[{20, 47, 10.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 922113.|>, <|"Date" -> DateObject[{2014, 7, 2}, TimeObject[{18, 13, 2.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional fixed mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Ocwen", "State" -> "NJ", "ZIPCode" -> "08021", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 2}, TimeObject[{18, 22, 18.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 921520.|>, <|"Date" -> DateObject[{2014, 7, 2}, TimeObject[{18, 13, 11.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Other (i.e. phone health club etc.)", "Issue" -> "Cont'd attempts collect debt not owed", "SubIssue" -> "Debt is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "The Huntington National Bank", "State" -> "IN", "ZIPCode" -> "46361", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 2}, TimeObject[{18, 22, 19.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 921505.|>, <|"Date" -> DateObject[{2014, 7, 2}, TimeObject[{18, 14, 9.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional adjustable mortgage (ARM)", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "JPMorgan Chase & Co.", "State" -> "CA", "ZIPCode" -> "93304", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 2}, TimeObject[{18, 22, 19.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 921526.|>, <|"Date" -> DateObject[{2014, 7, 2}, TimeObject[{18, 14, 35.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit card", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Cash advance", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "JPMorgan Chase & Co.", "State" -> "FL", "ZIPCode" -> "33008", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 2}, TimeObject[{18, 22, 19.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 921527.|>, <|"Date" -> DateObject[{2014, 7, 2}, TimeObject[{18, 15, 56.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Student loan", "SubProduct" -> "Non-federal student loan", "Issue" -> "Dealing with my lender or servicer", "SubIssue" -> "Trouble with how payments are handled", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "MEFA", "State" -> "NJ", "ZIPCode" -> "08691", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 2}, TimeObject[{18, 22, 21.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 921530.|>, <|"Date" -> DateObject[{2014, 7, 2}, TimeObject[{18, 16, 0.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Credit reporting company's investigation", "SubIssue" -> "No notice of investigation status/result", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Equifax", "State" -> "FL", "ZIPCode" -> "33178", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 2}, TimeObject[{18, 22, 23.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> Missing["NotApplicable"], "ComplaintID" -> 921512.|>, <|"Date" -> DateObject[{2014, 7, 2}, TimeObject[{18, 19, 26.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit card", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Billing statement", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Synchrony Financial", "State" -> "AZ", "ZIPCode" -> "85718", "Tags" -> "Older American, Servicemember", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 15}, TimeObject[{13, 12, 13.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 920227.|>, <|"Date" -> DateObject[{2014, 7, 2}, TimeObject[{18, 20, 46.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Credit card", "Issue" -> "Cont'd attempts collect debt not owed", "SubIssue" -> "Debt is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Portfolio Recovery Associates, Inc.", "State" -> "NY", "ZIPCode" -> "10303", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 2}, TimeObject[{18, 22, 24.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 920338.|>, <|"Date" -> DateObject[{2014, 7, 2}, TimeObject[{18, 22, 21.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Credit reporting company's investigation", "SubIssue" -> "Inadequate help over the phone", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Equifax", "State" -> "NV", "ZIPCode" -> "89135", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 8}, TimeObject[{19, 20, 32.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 920722.|>, <|"Date" -> DateObject[{2014, 7, 2}, TimeObject[{18, 26, 37.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional fixed mortgage", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Ocwen", "State" -> "NC", "ZIPCode" -> "27405", "Tags" -> "Older American", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 2}, TimeObject[{18, 38, 13.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 921554.|>, <|"Date" -> DateObject[{2014, 7, 2}, TimeObject[{18, 30, 33.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Application, originator, mortgage broker", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "JPMorgan Chase & Co.", "State" -> "CA", "ZIPCode" -> "90810", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Postal mail", "DateSent" -> DateObject[{2014, 7, 8}, TimeObject[{21, 0, 23.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 921561.|>, <|"Date" -> DateObject[{2014, 7, 2}, TimeObject[{18, 31, 53.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "FHA mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "JPMorgan Chase & Co.", "State" -> "MO", "ZIPCode" -> "63116", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 8}, TimeObject[{19, 37, 18.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 921565.|>, <|"Date" -> DateObject[{2014, 7, 2}, TimeObject[{18, 33, 12.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit card", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Billing disputes", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Bank of America", "State" -> "NY", "ZIPCode" -> "11201", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 2}, TimeObject[{18, 38, 14.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 921571.|>, <|"Date" -> DateObject[{2014, 7, 2}, TimeObject[{18, 33, 19.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Savings account", "Issue" -> "Deposits and withdrawals", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Wells Fargo & Company", "State" -> "UT", "ZIPCode" -> "84110", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 7}, TimeObject[{19, 9, 8.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 921572.|>, <|"Date" -> DateObject[{2014, 7, 2}, TimeObject[{18, 35, 36.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Auto", "Issue" -> "Communication tactics", "SubIssue" -> "Called after sent written cease of comm", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "DriveTime", "State" -> "SC", "ZIPCode" -> "29575", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Phone", "DateSent" -> DateObject[{2014, 7, 29}, TimeObject[{19, 2, 35.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 920406.|>, <|"Date" -> DateObject[{2014, 7, 2}, TimeObject[{18, 37, 20.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Ocwen", "State" -> "SC", "ZIPCode" -> "29536", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Fax", "DateSent" -> DateObject[{2014, 7, 8}, TimeObject[{20, 31, 55.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "No", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 921578.|>, <|"Date" -> DateObject[{2014, 7, 2}, TimeObject[{18, 39, 53.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "I do not know", "Issue" -> "Cont'd attempts collect debt not owed", "SubIssue" -> "Debt is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "AllianceOne Recievables Management", "State" -> "WA", "ZIPCode" -> "98275", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Phone", "DateSent" -> DateObject[{2014, 7, 8}, TimeObject[{19, 23, 42.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 920698.|>, <|"Date" -> DateObject[{2014, 7, 2}, TimeObject[{18, 40, 54.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Other (i.e. phone health club etc.)", "Issue" -> "Cont'd attempts collect debt not owed", "SubIssue" -> "Debt is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "EOS Holdings, Inc.", "State" -> "TX", "ZIPCode" -> "77406", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 2}, TimeObject[{18, 52, 4.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 921583.|>, <|"Date" -> DateObject[{2014, 7, 2}, TimeObject[{18, 42, 13.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional fixed mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Wells Fargo & Company", "State" -> "WA", "ZIPCode" -> "98133", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 2}, TimeObject[{18, 52, 5.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 921587.|>, <|"Date" -> DateObject[{2014, 7, 2}, TimeObject[{18, 42, 48.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit card", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Billing disputes", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Barclays PLC", "State" -> "ME", "ZIPCode" -> "04981", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 2}, TimeObject[{18, 52, 6.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 920261.|>, <|"Date" -> DateObject[{2014, 7, 2}, TimeObject[{18, 45, 37.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit card", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Credit determination", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "JPMorgan Chase & Co.", "State" -> "CA", "ZIPCode" -> "94607", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Postal mail", "DateSent" -> DateObject[{2014, 7, 8}, TimeObject[{19, 18, 17.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 921592.|>, <|"Date" -> DateObject[{2014, 7, 2}, TimeObject[{18, 46, 37.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Account status", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "TransUnion Intermediate Holdings, Inc.", "State" -> "CA", "ZIPCode" -> "96008", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Postal mail", "DateSent" -> DateObject[{2014, 7, 17}, TimeObject[{16, 48, 40.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 921596.|>, <|"Date" -> DateObject[{2014, 7, 2}, TimeObject[{18, 46, 58.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Using a debit or ATM card", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Bank of America", "State" -> "NY", "ZIPCode" -> "10004", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 8}, TimeObject[{19, 42, 37.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 920276.|>, <|"Date" -> DateObject[{2014, 7, 2}, TimeObject[{18, 47, 23.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Nationstar Mortgage", "State" -> "NJ", "ZIPCode" -> "07004", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 2}, TimeObject[{18, 52, 7.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 921598.|>, <|"Date" -> DateObject[{2014, 7, 2}, TimeObject[{18, 49, 17.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Medical", "Issue" -> "Cont'd attempts collect debt not owed", "SubIssue" -> "Debt was paid", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Expert Global Solutions, Inc.", "State" -> "TX", "ZIPCode" -> "76009", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", 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"Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 922883.|>, <|"Date" -> DateObject[{2014, 7, 3}, TimeObject[{10, 29, 2.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "SunTrust Banks, Inc.", "State" -> "MT", "ZIPCode" -> "59828", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 9}, TimeObject[{15, 5, 2.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 922806.|>, <|"Date" -> DateObject[{2014, 7, 3}, TimeObject[{10, 31, 1.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Reverse mortgage", "Issue" -> "Application, originator, mortgage broker", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "One Reverse Mortgage", "State" -> "LA", "ZIPCode" -> "70806", "Tags" -> "Older American, Servicemember", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 9}, TimeObject[{15, 16, 48.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 922129.|>, <|"Date" -> DateObject[{2014, 7, 3}, TimeObject[{10, 32, 2.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> "Company believes it acted appropriately as authorized by contract or law", "Company" -> "Select Portfolio Servicing, Inc", "State" -> "FL", "ZIPCode" -> "33325", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 9}, TimeObject[{15, 19, 17.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 922890.|>, <|"Date" -> DateObject[{2014, 7, 3}, TimeObject[{10, 33, 2.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "U.S. Bancorp", "State" -> "NH", "ZIPCode" -> "03867", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 9}, TimeObject[{15, 20, 49.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 922926.|>, <|"Date" -> DateObject[{2014, 7, 3}, TimeObject[{10, 34, 2.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "U.S. Bancorp", "State" -> "RI", "ZIPCode" -> "02908", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 9}, TimeObject[{15, 26, 58.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 923001.|>, <|"Date" -> DateObject[{2014, 7, 3}, TimeObject[{10, 36, 2.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "PNC Bank N.A.", "State" -> "FL", "ZIPCode" -> "33326", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 9}, TimeObject[{15, 39, 19.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 923039.|>, <|"Date" -> DateObject[{2014, 7, 3}, TimeObject[{10, 53, 57.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Account status", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "TransUnion Intermediate Holdings, Inc.", "State" -> "FL", "ZIPCode" -> "33025", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 8}, TimeObject[{17, 57, 26.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> Missing["NotApplicable"], "ComplaintID" -> 922638.|>, <|"Date" -> DateObject[{2014, 7, 3}, TimeObject[{11, 0, 8.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Using a debit or ATM card", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "JPMorgan Chase & Co.", "State" -> "CO", "ZIPCode" -> "80602", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 9}, TimeObject[{15, 42, 51.}, TimeZone -> -5.], TimeZone -> 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"Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 922912.|>, <|"Date" -> DateObject[{2014, 7, 3}, TimeObject[{12, 5, 2.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Deposits and withdrawals", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Wells Fargo & Company", "State" -> "GA", "ZIPCode" -> "30318", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 9}, TimeObject[{14, 1, 46.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 923016.|>, <|"Date" -> DateObject[{2014, 7, 3}, TimeObject[{12, 7, 2.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Home equity loan or line of credit", "Issue" -> "Loan 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"Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 9}, TimeObject[{13, 40, 33.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 923492.|>, <|"Date" -> DateObject[{2014, 7, 3}, TimeObject[{12, 11, 2.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit card", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Identity theft / Fraud / Embezzlement", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "U.S. Bancorp", "State" -> "OH", "ZIPCode" -> "44105", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 9}, TimeObject[{14, 48, 31.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with monetary relief", "TimelyResponse" -> "Yes", 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"SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 3}, TimeObject[{12, 22, 20.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 922643.|>, <|"Date" -> DateObject[{2014, 7, 3}, TimeObject[{12, 16, 2.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Seterus, Inc.", "State" -> "CO", "ZIPCode" -> "80126", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 9}, TimeObject[{13, 30, 32.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 923129.|>, <|"Date" -> 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Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "LTD Financial Services, L.P.", "State" -> "UT", "ZIPCode" -> "84121", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Fax", "DateSent" -> DateObject[{2014, 7, 9}, TimeObject[{13, 47, 26.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 922506.|>, <|"Date" -> DateObject[{2014, 7, 3}, TimeObject[{14, 52, 16.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Credit card", "Issue" -> "Cont'd attempts collect debt not owed", "SubIssue" -> "Debt was paid", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Encore Capital Group", "State" -> "UT", "ZIPCode" -> "84121", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Fax", "DateSent" -> DateObject[{2014, 7, 9}, TimeObject[{14, 19, 44.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 922508.|>, <|"Date" -> DateObject[{2014, 7, 3}, TimeObject[{14, 52, 31.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Credit card", "Issue" -> "Cont'd attempts collect debt not owed", "SubIssue" -> "Debt was paid", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "SquareTwo Financial Corporation", "State" -> "UT", "ZIPCode" -> "84121", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Fax", "DateSent" -> DateObject[{2014, 7, 9}, TimeObject[{14, 35, 49.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 922510.|>, <|"Date" -> DateObject[{2014, 7, 3}, TimeObject[{14, 52, 32.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Credit card", "Issue" -> "Cont'd attempts collect debt not owed", "SubIssue" -> "Debt was paid", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Wells Fargo & Company", "State" -> "UT", "ZIPCode" -> "84121", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Fax", "DateSent" -> DateObject[{2014, 7, 9}, TimeObject[{15, 53, 3.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 922511.|>, <|"Date" -> DateObject[{2014, 7, 3}, TimeObject[{14, 53, 40.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Account status", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Equifax", "State" -> "NJ", "ZIPCode" -> "08043", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 3}, TimeObject[{15, 7, 8.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 922259.|>, <|"Date" -> DateObject[{2014, 7, 3}, TimeObject[{14, 55, 18.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Student loan", "SubProduct" -> "Non-federal student loan", "Issue" -> "Can't repay my loan", "SubIssue" -> "Can't decrease my monthly payments", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "First Associates Loan Servicing LLC", "State" -> "OR", "ZIPCode" -> "97217", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 3}, TimeObject[{15, 7, 9.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 922810.|>, <|"Date" -> DateObject[{2014, 7, 3}, TimeObject[{14, 55, 39.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Account status", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "TransUnion Intermediate Holdings, Inc.", "State" -> "NJ", "ZIPCode" -> "08043", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 3}, TimeObject[{15, 7, 10.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 922260.|>, <|"Date" -> DateObject[{2014, 7, 3}, TimeObject[{14, 58, 43.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Auto", "Issue" -> "Cont'd attempts collect debt not owed", "SubIssue" -> "Debt is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "American Honda Finance Corporation", "State" -> "MA", "ZIPCode" -> "01108", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 9}, TimeObject[{15, 8, 57.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 922814.|>, <|"Date" -> DateObject[{2014, 7, 3}, TimeObject[{14, 58, 49.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "I do not know", "Issue" -> "Improper contact or sharing of info", "SubIssue" -> "Contacted me after I asked not to", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Pinnacle Asset Management, LLC", "State" -> "TN", "ZIPCode" -> "37013", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 9}, TimeObject[{15, 16, 20.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 922818.|>, <|"Date" -> DateObject[{2014, 7, 3}, TimeObject[{15, 0, 56.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "I do not know", "Issue" -> "Communication tactics", "SubIssue" -> "Frequent or repeated calls", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "GC Services Limited Partnership", "State" -> "IL", "ZIPCode" -> "60611", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 16}, TimeObject[{13, 58, 35.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> 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-> Missing["NotApplicable"], "Company" -> "Synchrony Financial", "State" -> "CO", "ZIPCode" -> "81501", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 11}, TimeObject[{15, 52, 0.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 925119.|>, <|"Date" -> DateObject[{2014, 7, 7}, TimeObject[{13, 0, 44.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Consumer Loan", "SubProduct" -> "Vehicle loan", "Issue" -> "Taking out the loan or lease", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Wells Fargo & Company", "State" -> "NC", "ZIPCode" -> "28205", "Tags" -> "Older American, Servicemember", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 7}, TimeObject[{13, 7, 10.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 924577.|>, <|"Date" -> DateObject[{2014, 7, 7}, TimeObject[{13, 3, 57.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "FHA mortgage", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Citibank", "State" -> "GA", "ZIPCode" -> "30326", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 10}, TimeObject[{13, 5, 26.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 924578.|>, <|"Date" -> DateObject[{2014, 7, 7}, TimeObject[{13, 4, 4.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Other (i.e. phone health club etc.)", "Issue" -> "Cont'd attempts collect debt not owed", "SubIssue" -> "Debt is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Penn Credit Corporation", "State" -> "KY", "ZIPCode" -> "40516", "Tags" -> "Older American", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Phone", "DateSent" -> DateObject[{2014, 7, 16}, TimeObject[{13, 23, 0.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 925130.|>, <|"Date" -> DateObject[{2014, 7, 7}, TimeObject[{13, 5, 12.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "I do not know", "Issue" -> "Cont'd attempts collect debt not owed", "SubIssue" -> "Debt is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Encore Capital Group", "State" -> "FL", "ZIPCode" -> "32960", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 7}, TimeObject[{13, 7, 11.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 925131.|>, <|"Date" -> DateObject[{2014, 7, 7}, TimeObject[{13, 10, 16.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Account terms", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "TransUnion Intermediate Holdings, Inc.", "State" -> "WA", "ZIPCode" -> "98002", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 22}, TimeObject[{20, 7, 30.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> Missing["NotApplicable"], "ComplaintID" -> 924760.|>, <|"Date" -> DateObject[{2014, 7, 7}, TimeObject[{13, 10, 20.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Account status", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Equifax", "State" -> "MO", "ZIPCode" -> "65049", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 8, 4}, TimeObject[{14, 44, 31.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 925134.|>, <|"Date" -> DateObject[{2014, 7, 7}, TimeObject[{13, 11, 19.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Account status", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Experian", "State" -> "MO", "ZIPCode" -> "65049", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 8, 4}, TimeObject[{14, 45, 59.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 925135.|>, <|"Date" -> DateObject[{2014, 7, 7}, TimeObject[{13, 12, 0.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Account status", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "TransUnion Intermediate Holdings, Inc.", "State" -> "MO", "ZIPCode" -> "65049", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 8, 4}, TimeObject[{14, 47, 38.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 925136.|>, <|"Date" -> DateObject[{2014, 7, 7}, TimeObject[{13, 13, 13.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Account terms", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Experian", "State" -> "WA", "ZIPCode" -> "98002", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 22}, TimeObject[{19, 36, 38.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> Missing["NotApplicable"], "ComplaintID" -> 924761.|>, <|"Date" -> DateObject[{2014, 7, 7}, TimeObject[{13, 16, 26.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Account terms", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Equifax", "State" -> "WA", "ZIPCode" -> "98002", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 24}, TimeObject[{20, 52, 49.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 924762.|>, <|"Date" -> DateObject[{2014, 7, 7}, TimeObject[{13, 16, 49.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Consumer Loan", "SubProduct" -> "Vehicle loan", "Issue" -> "Shopping for a loan or lease", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Nissan Motor Acceptance Corporation", "State" -> "FL", "ZIPCode" -> "32905", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 10}, TimeObject[{13, 48, 0.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 925137.|>, <|"Date" -> DateObject[{2014, 7, 7}, TimeObject[{13, 17, 17.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Consumer Loan", "SubProduct" -> "Vehicle loan", "Issue" -> "Managing the loan or lease", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Santander Consumer USA Holdings Inc", "State" -> "MD", "ZIPCode" -> "21085", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 15}, TimeObject[{17, 45, 59.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 925129.|>, <|"Date" -> DateObject[{2014, 7, 7}, TimeObject[{13, 18, 41.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "I do not know", "Issue" -> "Disclosure verification of debt", "SubIssue" -> "Not given enough info to verify debt", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Diversified Consultants, Inc.", "State" -> "WA", "ZIPCode" -> "98002", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 10}, TimeObject[{13, 56, 15.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 924763.|>, <|"Date" -> DateObject[{2014, 7, 7}, TimeObject[{13, 23, 57.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Payday loan", "Issue" -> "Cont'd attempts collect debt not owed", "SubIssue" -> "Debt was paid", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Delbert Services", "State" -> "IL", "ZIPCode" -> "60142", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 7}, TimeObject[{13, 38, 27.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 925145.|>, <|"Date" -> DateObject[{2014, 7, 7}, TimeObject[{13, 26, 24.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Pulte Mortgage", "State" -> "TX", "ZIPCode" -> "77070", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 10}, TimeObject[{13, 58, 38.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 924663.|>, <|"Date" -> DateObject[{2014, 7, 7}, TimeObject[{13, 29, 23.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Non-federal student loan", "Issue" -> "Cont'd attempts collect debt not owed", "SubIssue" -> "Debt is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "United Student Aid (USA) Funds", "State" -> "AZ", "ZIPCode" -> "85257", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 8, 18}, TimeObject[{14, 50, 5.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 925152.|>, <|"Date" -> DateObject[{2014, 7, 7}, TimeObject[{13, 30, 7.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional adjustable mortgage (ARM)", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Ocwen", "State" -> "NJ", "ZIPCode" -> "08054", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 7}, TimeObject[{13, 38, 28.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 925155.|>, <|"Date" -> DateObject[{2014, 7, 7}, TimeObject[{13, 31, 10.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Public record", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Equifax", "State" -> "IL", "ZIPCode" -> "61072", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 7}, TimeObject[{13, 38, 32.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 925157.|>, <|"Date" -> DateObject[{2014, 7, 7}, TimeObject[{13, 32, 8.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit card", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Rewards", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Citibank", "State" -> "MA", "ZIPCode" -> "02494", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 7}, TimeObject[{13, 38, 36.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 924505.|>, <|"Date" -> DateObject[{2014, 7, 7}, TimeObject[{13, 38, 52.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Other (i.e. phone health club etc.)", "Issue" -> "Communication tactics", "SubIssue" -> "Frequent or repeated calls", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Messerli & Kramer P.A.", "State" -> "MN", "ZIPCode" -> "56377", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 10}, TimeObject[{19, 22, 4.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 925166.|>, <|"Date" -> DateObject[{2014, 7, 7}, TimeObject[{13, 38, 53.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Other (i.e. phone health club etc.)", "Issue" -> "Communication tactics", "SubIssue" -> "Frequent or repeated calls", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Encore Capital Group", "State" -> "MN", "ZIPCode" -> "56377", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 10}, TimeObject[{15, 26, 31.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 925167.|>, <|"Date" -> DateObject[{2014, 7, 7}, TimeObject[{13, 42, 41.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Account status", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "TransUnion Intermediate Holdings, Inc.", "State" -> "WA", "ZIPCode" -> "98053", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 28}, TimeObject[{12, 47, 42.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 924626.|>, <|"Date" -> DateObject[{2014, 7, 7}, TimeObject[{13, 44, 37.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Other (i.e. phone health club etc.)", "Issue" -> "Improper contact or sharing of info", "SubIssue" -> "Contacted employer after asked not to", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Encore Capital Group", "State" -> "OH", "ZIPCode" -> "45406", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 10}, TimeObject[{19, 41, 56.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 925171.|>, <|"Date" -> DateObject[{2014, 7, 7}, TimeObject[{13, 45, 46.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Account terms", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Experian", "State" -> "MD", "ZIPCode" -> "20721", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 10}, TimeObject[{15, 30, 40.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 925175.|>, <|"Date" -> DateObject[{2014, 7, 7}, TimeObject[{13, 46, 19.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Improper use of my credit report", "SubIssue" -> "Report improperly shared by CRC", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Experian", "State" -> "TX", "ZIPCode" -> "77479", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 7}, TimeObject[{13, 52, 15.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 925176.|>, <|"Date" -> DateObject[{2014, 7, 7}, TimeObject[{13, 50, 57.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "I do not know", "Issue" -> "Cont'd attempts collect debt not owed", "SubIssue" -> "Debt is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Leading Edge Recovery Solutions, LLC", "State" -> "OK", "ZIPCode" -> "73069", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 10}, TimeObject[{19, 42, 25.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 925173.|>, <|"Date" -> DateObject[{2014, 7, 7}, TimeObject[{13, 51, 47.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Account status", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Equifax", "State" -> "WA", "ZIPCode" -> "98053", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 28}, TimeObject[{13, 46, 53.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 924627.|>, <|"Date" -> DateObject[{2014, 7, 7}, TimeObject[{13, 51, 47.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Deposits and withdrawals", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "JPMorgan Chase & Co.", "State" -> "GA", "ZIPCode" -> "30044", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 10}, TimeObject[{13, 53, 43.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 925186.|>, <|"Date" -> DateObject[{2014, 7, 7}, TimeObject[{13, 52, 1.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Other (i.e. phone health club etc.)", "Issue" -> "Disclosure verification of debt", "SubIssue" -> "Not given enough info to verify debt", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Resurgent Capital Services L.P.", "State" -> "VA", "ZIPCode" -> "22508", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 10}, TimeObject[{13, 58, 31.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", 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Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Ocwen", "State" -> "FL", "ZIPCode" -> "34221", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 10}, TimeObject[{13, 28, 50.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 925646.|>, <|"Date" -> DateObject[{2014, 7, 7}, TimeObject[{16, 53, 9.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit card", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Transaction issue", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Barclays PLC", "State" -> "FL", "ZIPCode" -> "34233", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Phone", "DateSent" -> DateObject[{2014, 7, 10}, TimeObject[{14, 40, 53.}, TimeZone 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24.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "First Tennessee Bank", "State" -> "CA", "ZIPCode" -> "92399", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 10}, TimeObject[{17, 23, 19.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 925542.|>, <|"Date" -> DateObject[{2014, 7, 7}, TimeObject[{16, 54, 56.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional adjustable mortgage (ARM)", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "JPMorgan Chase & Co.", "State" -> "CA", "ZIPCode" -> "91730", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 7}, TimeObject[{17, 7, 9.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 924538.|>, <|"Date" -> DateObject[{2014, 7, 7}, TimeObject[{16, 56, 8.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Account opening, closing, or management", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Citizens Financial Group, Inc.", "State" -> "RI", "ZIPCode" -> "02830", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 7}, TimeObject[{17, 7, 10.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 925655.|>, <|"Date" -> DateObject[{2014, 7, 7}, TimeObject[{16, 56, 29.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Medical", "Issue" -> "Disclosure verification of debt", "SubIssue" -> "Not disclosed as an attempt to collect", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Expert Global Solutions, Inc.", "State" -> "CA", "ZIPCode" -> "95476", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Phone", "DateSent" -> DateObject[{2014, 7, 10}, TimeObject[{15, 41, 6.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 925657.|>, <|"Date" -> DateObject[{2014, 7, 7}, TimeObject[{16, 56, 52.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "I do not know", "Issue" -> "Communication tactics", "SubIssue" -> "Frequent or repeated calls", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "JPMorgan Chase & Co.", "State" -> "NC", "ZIPCode" -> "28117", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 10}, TimeObject[{16, 54, 30.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 925661.|>, <|"Date" -> DateObject[{2014, 7, 7}, TimeObject[{16, 56, 52.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Other (i.e. phone health club etc.)", "Issue" -> "Disclosure verification of debt", "SubIssue" -> "Not given enough info to verify debt", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Wells Fargo & Company", "State" -> "CA", "ZIPCode" -> "91730", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 10}, TimeObject[{16, 49, 51.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 925660.|>, <|"Date" -> DateObject[{2014, 7, 7}, TimeObject[{16, 57, 33.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Credit monitoring or identity protection", "SubIssue" -> "Account terms and changes", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "TransUnion Intermediate Holdings, Inc.", "State" -> "WA", "ZIPCode" -> "98002", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> 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"Company" -> "Expert Global Solutions, Inc.", "State" -> "SC", "ZIPCode" -> "29302", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 7}, TimeObject[{18, 24, 8.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 925942.|>, <|"Date" -> DateObject[{2014, 7, 7}, TimeObject[{18, 23, 2.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Account status", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "TransUnion Intermediate Holdings, Inc.", "State" -> "TX", "ZIPCode" -> "75235", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Postal mail", "DateSent" -> DateObject[{2014, 7, 21}, TimeObject[{17, 28, 46.}, TimeZone -> -5.], 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"ConsumerDisputed" -> "No", "ComplaintID" -> 926235.|>, <|"Date" -> DateObject[{2014, 7, 7}, TimeObject[{19, 1, 4.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Credit card", "Issue" -> "Improper contact or sharing of info", "SubIssue" -> "Talked to a third party about my debt", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Asset Recovery Solutions, LLC", "State" -> "NY", "ZIPCode" -> "10473", "Tags" -> "Servicemember", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 7}, TimeObject[{19, 8, 31.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 924406.|>, <|"Date" -> DateObject[{2014, 7, 7}, TimeObject[{19, 1, 4.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional adjustable mortgage (ARM)", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Ocwen", "State" -> "NC", "ZIPCode" -> "27958", "Tags" -> "Servicemember", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 10}, TimeObject[{16, 15, 18.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 926014.|>, <|"Date" -> DateObject[{2014, 7, 7}, TimeObject[{19, 1, 47.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "SunTrust Banks, Inc.", "State" -> "VA", "ZIPCode" -> "22204", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 10}, TimeObject[{16, 54, 9.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 924581.|>, <|"Date" -> DateObject[{2014, 7, 7}, TimeObject[{19, 1, 54.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "I do not know", "Issue" -> "Cont'd attempts collect debt not owed", "SubIssue" -> "Debt is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Credit Card Receivables Fund Incorporated", "State" -> "OH", "ZIPCode" -> "44507", "Tags" -> "Older American", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 7}, TimeObject[{19, 8, 31.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 926015.|>, <|"Date" -> DateObject[{2014, 7, 7}, TimeObject[{19, 2, 2.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Account opening, closing, or management", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Citizens Financial Group, Inc.", "State" -> "PA", "ZIPCode" -> "19465", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 10}, TimeObject[{18, 43, 2.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 926248.|>, <|"Date" -> DateObject[{2014, 7, 7}, TimeObject[{19, 3, 2.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Problems caused by my funds being low", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Regions Financial Corporation", "State" -> "IN", "ZIPCode" -> "46253", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 10}, TimeObject[{17, 2, 40.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 926264.|>, <|"Date" -> DateObject[{2014, 7, 7}, TimeObject[{19, 4, 2.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Deposits and withdrawals", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Fifth Third Financial Corporation", "State" -> "OH", "ZIPCode" -> "45040", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 10}, TimeObject[{18, 44, 14.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 926290.|>, <|"Date" -> DateObject[{2014, 7, 7}, TimeObject[{19, 6, 2.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Deposits and withdrawals", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Zions Bancorporation", "State" -> "TX", "ZIPCode" -> "77041", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 11}, TimeObject[{14, 15, 58.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 924510.|>, <|"Date" -> DateObject[{2014, 7, 7}, TimeObject[{19, 7, 2.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Application, originator, mortgage broker", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "TD Bank US Holding Company", "State" -> "NJ", "ZIPCode" -> "08088", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 10}, TimeObject[{16, 32, 38.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 926275.|>, <|"Date" -> DateObject[{2014, 7, 7}, TimeObject[{19, 7, 16.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Money transfers", "SubProduct" -> "Domestic (US) money transfer", "Issue" -> "Fraud or scam", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "MoneyGram", "State" -> "MA", "ZIPCode" -> "02126", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 10}, TimeObject[{18, 20, 21.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 926022.|>, <|"Date" -> DateObject[{2014, 7, 7}, TimeObject[{19, 8, 2.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit card", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Customer service / Customer relations", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "U.S. Bancorp", "State" -> "AR", "ZIPCode" -> "72956", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 10}, TimeObject[{19, 24, 55.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 926295.|>, <|"Date" -> DateObject[{2014, 7, 7}, TimeObject[{19, 8, 20.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional fixed mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Ditech Financial LLC", "State" -> "NY", "ZIPCode" -> "11746", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 7}, TimeObject[{19, 22, 11.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 926023.|>, <|"Date" -> DateObject[{2014, 7, 7}, TimeObject[{19, 8, 31.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Money transfers", "SubProduct" -> "International money transfer", "Issue" -> "Fraud or scam", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "The Western Union Company", "State" -> "AZ", "ZIPCode" -> "85260", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 7}, TimeObject[{19, 22, 12.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 925807.|>, <|"Date" -> DateObject[{2014, 7, 7}, TimeObject[{19, 10, 3.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Bank of America", "State" -> "NC", "ZIPCode" -> "27360", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 10}, TimeObject[{16, 37, 23.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 926330.|>, <|"Date" -> DateObject[{2014, 7, 7}, TimeObject[{19, 12, 52.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "RP Funding Incorporated", "State" -> "FL", "ZIPCode" -> "33896", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 21}, TimeObject[{13, 51, 36.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 924695.|>, <|"Date" -> DateObject[{2014, 7, 7}, TimeObject[{19, 13, 27.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Consumer Loan", "SubProduct" -> "Installment loan", "Issue" -> "Taking out the loan or lease", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Synchrony Financial", "State" -> "MD", "ZIPCode" -> "20768", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 7}, TimeObject[{19, 22, 15.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 926032.|>, <|"Date" -> DateObject[{2014, 7, 7}, TimeObject[{19, 15, 34.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Medical", "Issue" -> "Disclosure verification of debt", "SubIssue" -> "Not given enough info to verify debt", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "AmeriCollect", "State" -> "WI", "ZIPCode" -> "54235", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 7}, TimeObject[{19, 22, 16.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 926002.|>, <|"Date" -> DateObject[{2014, 7, 7}, TimeObject[{19, 15, 35.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Ditech Financial LLC", "State" -> "NJ", "ZIPCode" -> "08077", "Tags" -> "Servicemember", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Fax", "DateSent" -> DateObject[{2014, 7, 10}, TimeObject[{16, 22, 35.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 925713.|>, <|"Date" -> DateObject[{2014, 7, 7}, TimeObject[{19, 16, 25.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit card", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Delinquent account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Synchrony Financial", "State" -> "FL", "ZIPCode" -> "33761", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 7}, TimeObject[{19, 22, 17.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 926038.|>, <|"Date" -> DateObject[{2014, 7, 7}, TimeObject[{19, 16, 48.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Credit reporting company's investigation", "SubIssue" -> "No notice of investigation status/result", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "TransUnion Intermediate Holdings, Inc.", "State" -> "OH", "ZIPCode" -> "44118", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 7}, TimeObject[{19, 22, 16.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 924632.|>, <|"Date" -> DateObject[{2014, 7, 7}, TimeObject[{19, 17, 5.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Wells Fargo & Company", "State" -> "CA", "ZIPCode" -> "94523", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Fax", "DateSent" -> DateObject[{2014, 7, 10}, TimeObject[{17, 5, 44.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 926039.|>, <|"Date" -> DateObject[{2014, 7, 7}, TimeObject[{19, 17, 35.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Medical", "Issue" -> "Cont'd attempts collect debt not owed", "SubIssue" -> "Debt was discharged in bankruptcy", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Crown Holdings, LLC", "State" -> "MO", "ZIPCode" -> "63049", "Tags" -> "Servicemember", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 7}, TimeObject[{19, 22, 18.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 926040.|>, <|"Date" -> DateObject[{2014, 7, 7}, TimeObject[{19, 19, 23.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Student loan", "SubProduct" -> "Non-federal student loan", "Issue" -> "Can't repay my loan", "SubIssue" -> "Can't get flexible payment options", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "First Associates Loan Servicing LLC", "State" -> "TN", "ZIPCode" -> "38002", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 7}, TimeObject[{19, 22, 19.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 926054.|>, <|"Date" -> DateObject[{2014, 7, 7}, TimeObject[{19, 20, 24.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Account opening, closing, or management", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Bank of Hawaii", "State" -> "HI", "ZIPCode" -> "96746", "Tags" -> "Older American", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 7}, TimeObject[{19, 22, 19.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 926057.|>, <|"Date" -> DateObject[{2014, 7, 7}, TimeObject[{19, 21, 49.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Credit card", "Issue" -> "Cont'd attempts collect debt not owed", "SubIssue" -> "Debt was paid", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Credit Card Receivables Fund Incorporated", "State" -> "CA", "ZIPCode" -> "92336", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 7}, TimeObject[{19, 22, 20.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 926059.|>, <|"Date" -> DateObject[{2014, 7, 7}, TimeObject[{19, 23, 48.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Credit card", "Issue" -> "Cont'd attempts collect debt not owed", "SubIssue" -> "Debt is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Citibank", "State" -> "MO", "ZIPCode" -> "64131", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 7}, TimeObject[{19, 37, 12.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 926025.|>, <|"Date" -> DateObject[{2014, 7, 7}, TimeObject[{19, 23, 53.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional fixed mortgage", "Issue" -> "Credit decision / Underwriting", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Wells Fargo & Company", "State" -> "AZ", "ZIPCode" -> "85301", "Tags" -> "Older American, Servicemember", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Phone", "DateSent" -> DateObject[{2014, 7, 10}, TimeObject[{17, 31, 1.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 924420.|>, <|"Date" -> DateObject[{2014, 7, 7}, TimeObject[{19, 24, 1.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Account status", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Experian", "State" -> "TX", "ZIPCode" -> "75062", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 10}, TimeObject[{19, 49, 6.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 924543.|>, <|"Date" -> DateObject[{2014, 7, 7}, TimeObject[{19, 24, 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-> "Non-federal student loan", "Issue" -> "Can't repay my loan", "SubIssue" -> "Can't get flexible payment options", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "AES/PHEAA", "State" -> "NY", "ZIPCode" -> "11743", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 10}, TimeObject[{19, 53, 33.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 926531.|>, <|"Date" -> DateObject[{2014, 7, 7}, TimeObject[{22, 40, 59.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Account status", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Equifax", "State" -> "CA", "ZIPCode" -> "95128", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 7}, TimeObject[{22, 52, 9.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> Missing["NotApplicable"], "ComplaintID" -> 926535.|>, <|"Date" -> DateObject[{2014, 7, 7}, TimeObject[{22, 41, 4.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Consumer Loan", "SubProduct" -> "Vehicle loan", "Issue" -> "Taking out the loan or lease", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "GM Financial", "State" -> "AR", "ZIPCode" -> "72113", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 7}, TimeObject[{22, 52, 10.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 926536.|>, <|"Date" -> DateObject[{2014, 7, 7}, TimeObject[{22, 42, 40.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Account status", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Equifax", "State" -> "MD", "ZIPCode" -> "20721", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 7}, TimeObject[{22, 52, 10.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 926346.|>, <|"Date" -> DateObject[{2014, 7, 7}, TimeObject[{22, 45, 7.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Ocwen", "State" -> "OH", "ZIPCode" -> "43040", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 7}, TimeObject[{22, 52, 12.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 926543.|>, <|"Date" -> DateObject[{2014, 7, 7}, TimeObject[{22, 47, 32.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Credit monitoring or identity protection", "SubIssue" -> "Billing dispute", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Experian", "State" -> "CA", "ZIPCode" -> "95204", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 7}, TimeObject[{22, 52, 12.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 926546.|>, <|"Date" -> DateObject[{2014, 7, 7}, TimeObject[{22, 48, 16.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "VA mortgage", "Issue" -> "Application, originator, mortgage broker", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Quicken Loans", "State" -> "FL", "ZIPCode" -> "32043", "Tags" -> "Servicemember", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 7}, TimeObject[{22, 52, 13.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 926547.|>, <|"Date" -> DateObject[{2014, 7, 7}, TimeObject[{22, 50, 47.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional fixed mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Citibank", "State" -> "OH", "ZIPCode" -> "44044", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 7}, TimeObject[{22, 52, 13.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 926552.|>, <|"Date" -> DateObject[{2014, 7, 7}, TimeObject[{22, 51, 46.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Savings account", "Issue" -> "Deposits and withdrawals", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "BancorpSouth Bank", "State" -> "TN", "ZIPCode" -> "38116", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Phone", "DateSent" -> DateObject[{2014, 7, 14}, TimeObject[{13, 7, 12.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 926553.|>, <|"Date" -> DateObject[{2014, 7, 7}, TimeObject[{22, 52, 20.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Account status", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Innovis", "State" -> "AL", "ZIPCode" -> "35178", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Postal mail", "DateSent" -> DateObject[{2014, 7, 18}, TimeObject[{20, 46, 25.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 926554.|>, <|"Date" -> DateObject[{2014, 7, 7}, TimeObject[{22, 57, 19.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Unable to get credit report/credit score", "SubIssue" -> "Problem getting my free annual report", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Equifax", "State" -> "MO", "ZIPCode" -> "64089", "Tags" -> "Older American", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 7}, TimeObject[{23, 7, 8.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 926558.|>, <|"Date" -> DateObject[{2014, 7, 7}, TimeObject[{22, 58, 19.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Savings account", "Issue" -> "Account opening, closing, or management", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Synchrony Financial", "State" -> "IL", "ZIPCode" -> "60515", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Phone", "DateSent" -> DateObject[{2014, 7, 10}, TimeObject[{19, 37, 47.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 926560.|>, <|"Date" -> DateObject[{2014, 7, 7}, TimeObject[{23, 0, 6.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional fixed mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Wells Fargo & Company", "State" -> "CA", "ZIPCode" -> "94022", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 11}, TimeObject[{13, 35, 14.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 926561.|>, <|"Date" -> DateObject[{2014, 7, 7}, TimeObject[{23, 0, 7.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "JPMorgan Chase & Co.", "State" -> "SC", "ZIPCode" -> "29651", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 10}, TimeObject[{18, 50, 22.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 926562.|>, <|"Date" -> DateObject[{2014, 7, 7}, TimeObject[{23, 0, 10.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Consumer Loan", "SubProduct" -> "Vehicle loan", "Issue" -> "Managing the loan or lease", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "PNC Bank N.A.", "State" -> "OH", "ZIPCode" -> "45014", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 10}, TimeObject[{18, 39, 10.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 926564.|>, <|"Date" -> DateObject[{2014, 7, 7}, TimeObject[{23, 0, 11.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit card", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Unsolicited issuance of credit card", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Synchrony Financial", "State" -> "IL", "ZIPCode" -> "60045", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 10}, TimeObject[{18, 32, 24.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 926566.|>, <|"Date" -> DateObject[{2014, 7, 7}, TimeObject[{23, 0, 14.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Other", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "HSBC North America Holdings Inc.", "State" -> "NY", "ZIPCode" -> "11236", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 10}, TimeObject[{18, 24, 27.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 926567.|>, <|"Date" -> DateObject[{2014, 7, 7}, TimeObject[{23, 0, 15.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Bank of America", "State" -> "CO", "ZIPCode" -> "80234", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 10}, TimeObject[{18, 22, 18.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 926568.|>, <|"Date" -> DateObject[{2014, 7, 7}, TimeObject[{23, 0, 16.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Other", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Quicken Loans", "State" -> "FL", "ZIPCode" -> "33920", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 10}, TimeObject[{18, 21, 7.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 926569.|>, <|"Date" -> DateObject[{2014, 7, 7}, TimeObject[{23, 0, 17.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit card", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Billing 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"ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 10}, TimeObject[{18, 17, 23.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 924459.|>, <|"Date" -> DateObject[{2014, 7, 7}, TimeObject[{23, 0, 19.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit card", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Customer service / Customer relations", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "JPMorgan Chase & Co.", "State" -> "CO", "ZIPCode" -> "80126", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 10}, TimeObject[{19, 59, 47.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> 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-> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 10}, TimeObject[{19, 8, 25.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 924511.|>, <|"Date" -> DateObject[{2014, 7, 7}, TimeObject[{23, 0, 24.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Other bank product/service", "Issue" -> "Making/receiving payments, sending money", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "USAA Savings", "State" -> "NC", "ZIPCode" -> "28303", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 10}, TimeObject[{19, 6, 41.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with monetary relief", "TimelyResponse" -> 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"Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 927817.|>, <|"Date" -> DateObject[{2014, 7, 8}, TimeObject[{1, 43, 24.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "FHA mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Bank of America", "State" -> "NJ", "ZIPCode" -> "08857", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 8}, TimeObject[{1, 52, 12.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 928317.|>, <|"Date" -> DateObject[{2014, 7, 8}, TimeObject[{1, 44, 0.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Credit reporting company's investigation", "SubIssue" -> "No notice of investigation status/result", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Experian", "State" -> "TN", "ZIPCode" -> "37013", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 8}, TimeObject[{1, 52, 13.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 928318.|>, <|"Date" -> DateObject[{2014, 7, 8}, TimeObject[{1, 50, 24.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit card", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Identity theft / Fraud / Embezzlement", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "JPMorgan Chase & Co.", "State" -> "NC", "ZIPCode" -> "27514", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 8}, TimeObject[{1, 52, 13.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 928319.|>, <|"Date" -> DateObject[{2014, 7, 8}, TimeObject[{2, 1, 55.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "VA mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Citibank", "State" -> "FL", "ZIPCode" -> "32808", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 8}, TimeObject[{2, 7, 6.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 928320.|>, <|"Date" -> DateObject[{2014, 7, 8}, TimeObject[{2, 7, 21.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional fixed mortgage", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "JPMorgan Chase & Co.", "State" -> "CA", "ZIPCode" -> "93010", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 8}, TimeObject[{2, 22, 10.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 927792.|>, <|"Date" -> DateObject[{2014, 7, 8}, TimeObject[{2, 20, 14.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Information is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "TransUnion Intermediate Holdings, Inc.", "State" -> "MA", "ZIPCode" -> "02188", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 10}, TimeObject[{20, 21, 23.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> Missing["NotApplicable"], "ComplaintID" -> 927773.|>, <|"Date" -> DateObject[{2014, 7, 8}, TimeObject[{2, 23, 5.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional adjustable mortgage (ARM)", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Ocwen", "State" -> "CA", "ZIPCode" -> "90064", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 10}, TimeObject[{18, 32, 10.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "No", "ConsumerDisputed" -> "No", "ComplaintID" -> 927740.|>, <|"Date" -> DateObject[{2014, 7, 8}, TimeObject[{2, 25, 55.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Credit card", "Issue" -> "Improper contact or sharing of info", "SubIssue" -> "Talked to a third party about my debt", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "HSBC North America Holdings Inc.", "State" -> "FL", "ZIPCode" -> "33172", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 8}, TimeObject[{2, 37, 11.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 928324.|>, <|"Date" -> DateObject[{2014, 7, 8}, TimeObject[{2, 30, 1.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional fixed mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Citibank", "State" -> "LA", "ZIPCode" -> "70818", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 8}, TimeObject[{2, 37, 12.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 928327.|>, <|"Date" -> DateObject[{2014, 7, 8}, TimeObject[{2, 30, 39.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Information is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Equifax", "State" -> "MA", "ZIPCode" -> "02188", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 8}, TimeObject[{2, 37, 12.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 927774.|>, <|"Date" -> DateObject[{2014, 7, 8}, TimeObject[{2, 32, 18.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Account opening, closing, or management", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Wells Fargo & Company", "State" -> "NJ", "ZIPCode" -> "07424", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 8}, TimeObject[{2, 37, 13.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 928328.|>, <|"Date" -> DateObject[{2014, 7, 8}, TimeObject[{2, 43, 0.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional fixed mortgage", "Issue" -> "Credit decision / Underwriting", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "JPMorgan Chase & Co.", "State" -> "PA", "ZIPCode" -> "19111", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 10}, TimeObject[{23, 12, 41.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 928329.|>, <|"Date" -> DateObject[{2014, 7, 8}, TimeObject[{2, 44, 37.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Money transfers", "SubProduct" -> "Domestic (US) money transfer", "Issue" -> "Fraud or scam", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "The Western Union Company", "State" -> "TX", "ZIPCode" -> "75791", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 8}, TimeObject[{2, 52, 10.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 928326.|>, <|"Date" -> DateObject[{2014, 7, 8}, TimeObject[{2, 47, 16.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Personal information", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Equifax", "State" -> "WA", "ZIPCode" -> "98611", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 10}, TimeObject[{18, 33, 53.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 928330.|>, <|"Date" -> DateObject[{2014, 7, 8}, TimeObject[{2, 58, 7.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional fixed mortgage", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Ocwen", "State" -> "IL", "ZIPCode" -> "60124", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 8}, TimeObject[{3, 7, 6.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 928331.|>, <|"Date" -> DateObject[{2014, 7, 8}, TimeObject[{3, 1, 24.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Account terms", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "TransUnion Intermediate Holdings, Inc.", "State" -> "CA", "ZIPCode" -> "90064", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 10}, TimeObject[{18, 35, 5.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> Missing["NotApplicable"], "ComplaintID" -> 927741.|>, <|"Date" -> DateObject[{2014, 7, 8}, TimeObject[{3, 1, 37.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Credit card", "Issue" -> "Disclosure verification of debt", "SubIssue" -> "Not given enough info to verify debt", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Brown Law, PLLC", "State" -> "PA", "ZIPCode" -> "19120", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 9}, TimeObject[{12, 37, 56.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 927954.|>, <|"Date" -> DateObject[{2014, 7, 8}, TimeObject[{3, 11, 47.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit card", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Customer service / Customer relations", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Citibank", "State" -> "MA", "ZIPCode" -> "02122", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 8}, TimeObject[{3, 22, 11.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 928334.|>, <|"Date" -> DateObject[{2014, 7, 8}, TimeObject[{3, 16, 3.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit card", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Balance transfer", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Discover", "State" -> "TX", "ZIPCode" -> "77573", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 8}, TimeObject[{3, 22, 12.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 928335.|>, <|"Date" -> DateObject[{2014, 7, 8}, TimeObject[{3, 26, 18.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional fixed mortgage", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Ocwen", "State" -> "TX", "ZIPCode" -> "77386", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 10}, TimeObject[{23, 15, 40.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 928336.|>, <|"Date" -> DateObject[{2014, 7, 8}, TimeObject[{3, 29, 46.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "VA mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Bank of America", "State" -> "FL", "ZIPCode" -> "33311", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 8}, TimeObject[{3, 37, 6.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 928337.|>, <|"Date" -> DateObject[{2014, 7, 8}, TimeObject[{3, 34, 32.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "FHA mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "U.S. Bancorp", "State" -> "MI", "ZIPCode" -> "48197", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 8}, TimeObject[{3, 37, 6.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 927997.|>, <|"Date" -> DateObject[{2014, 7, 8}, TimeObject[{3, 35, 5.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Account terms", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Experian", "State" -> "TX", "ZIPCode" -> "75852", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 10}, TimeObject[{20, 20, 21.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 928338.|>, <|"Date" -> DateObject[{2014, 7, 8}, TimeObject[{3, 37, 22.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional fixed mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Nationstar Mortgage", "State" -> "OR", "ZIPCode" -> "97366", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 10}, TimeObject[{23, 19, 1.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 928339.|>, <|"Date" -> DateObject[{2014, 7, 8}, TimeObject[{3, 42, 33.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Account status", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "TransUnion Intermediate Holdings, Inc.", "State" -> "DC", "ZIPCode" -> "20037", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 8}, TimeObject[{3, 52, 9.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> Missing["NotApplicable"], "ComplaintID" -> 928340.|>, <|"Date" -> DateObject[{2014, 7, 8}, TimeObject[{3, 55, 5.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Federal student loan", "Issue" -> "Disclosure verification of debt", "SubIssue" -> "Not given enough info to verify debt", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Expert Global Solutions, Inc.", "State" -> "LA", "ZIPCode" -> "70130", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 8}, TimeObject[{4, 7, 6.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 928341.|>, <|"Date" -> DateObject[{2014, 7, 8}, TimeObject[{3, 57, 8.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional fixed mortgage", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Seterus, Inc.", "State" -> "MO", "ZIPCode" -> "63021", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 8}, TimeObject[{4, 7, 7.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 928344.|>, <|"Date" -> DateObject[{2014, 7, 8}, TimeObject[{4, 16, 26.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Home equity loan or line of credit", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Real Time Resolutions", "State" -> "AZ", "ZIPCode" -> "85234", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 8}, TimeObject[{4, 22, 10.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 927733.|>, <|"Date" -> DateObject[{2014, 7, 8}, TimeObject[{4, 18, 44.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Money transfers", "SubProduct" -> "International money transfer", "Issue" -> "Incorrect/missing disclosures or info", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "UMB Bank", "State" -> "MO", "ZIPCode" -> "64093", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 8}, TimeObject[{4, 22, 11.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 928345.|>, <|"Date" -> DateObject[{2014, 7, 8}, TimeObject[{4, 42, 38.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Other (i.e. phone health club etc.)", "Issue" -> "Cont'd attempts collect debt not owed", "SubIssue" -> "Debt is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Reliant Capital Solutions, LLC", "State" -> "ID", "ZIPCode" -> "83719", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 8, 26}, TimeObject[{12, 4, 17.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 927856.|>, <|"Date" -> DateObject[{2014, 7, 8}, TimeObject[{5, 0, 10.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Bank of America", "State" -> "TN", "ZIPCode" -> "37334", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 10}, TimeObject[{22, 0, 45.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 928347.|>, <|"Date" -> DateObject[{2014, 7, 8}, TimeObject[{5, 0, 11.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Nationstar Mortgage", "State" -> "TN", "ZIPCode" -> "37334", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 10}, TimeObject[{22, 0, 15.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 928348.|>, <|"Date" -> DateObject[{2014, 7, 8}, TimeObject[{5, 0, 11.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Wells Fargo & Company", "State" -> "AR", "ZIPCode" -> "72762", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 10}, TimeObject[{22, 33, 16.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 928350.|>, <|"Date" -> DateObject[{2014, 7, 8}, TimeObject[{5, 6, 57.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Other (i.e. phone health club etc.)", "Issue" -> "Disclosure verification of debt", "SubIssue" -> "Right to dispute notice not received", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Pinnacle Credit Services, LLC", "State" -> "PA", "ZIPCode" -> "19605", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 10}, TimeObject[{18, 37, 13.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 927714.|>, <|"Date" -> DateObject[{2014, 7, 8}, TimeObject[{5, 30, 50.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Caliber Home Loans, Inc", "State" -> "CA", "ZIPCode" -> "94531", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 10}, TimeObject[{22, 9, 48.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> 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-> "Credit card", "Issue" -> "Disclosure verification of debt", "SubIssue" -> "Not given enough info to verify debt", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "JPMorgan Chase & Co.", "State" -> "NJ", "ZIPCode" -> "08046", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 8}, TimeObject[{5, 52, 9.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 928353.|>, <|"Date" -> DateObject[{2014, 7, 8}, TimeObject[{5, 44, 24.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Public record", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Equifax", "State" -> "CA", "ZIPCode" -> "95112", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 8}, TimeObject[{5, 52, 10.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 928241.|>, <|"Date" -> DateObject[{2014, 7, 8}, TimeObject[{5, 48, 49.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Public record", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "TransUnion Intermediate Holdings, Inc.", "State" -> "CA", "ZIPCode" -> "95112", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 8}, TimeObject[{5, 52, 10.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 928242.|>, <|"Date" -> DateObject[{2014, 7, 8}, TimeObject[{5, 51, 45.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Public record", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Experian", "State" -> "CA", "ZIPCode" -> "95112", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 8}, TimeObject[{5, 52, 11.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 928243.|>, <|"Date" -> DateObject[{2014, 7, 8}, TimeObject[{6, 17, 15.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Account opening, closing, or management", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "TCF National Bank", "State" -> "", "ZIPCode" -> "", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 8}, TimeObject[{6, 22, 9.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 928354.|>, <|"Date" -> DateObject[{2014, 7, 8}, TimeObject[{6, 20, 45.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Non-federal student loan", "Issue" -> "Improper contact or sharing of info", "SubIssue" -> "Talked to a third party about my debt", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "JPMorgan Chase & Co.", "State" -> "WA", "ZIPCode" -> "98055", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 10}, TimeObject[{22, 11, 41.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 928356.|>, <|"Date" -> DateObject[{2014, 7, 8}, TimeObject[{6, 34, 50.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Other (i.e. phone health club etc.)", "Issue" -> "Communication tactics", "SubIssue" -> "Frequent or repeated calls", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Wells Fargo & Company", "State" -> "NJ", "ZIPCode" -> "07093", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 10}, TimeObject[{22, 43, 37.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 928357.|>, <|"Date" -> DateObject[{2014, 7, 8}, TimeObject[{7, 12, 50.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional fixed mortgage", "Issue" -> "Settlement process and costs", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "First American Financial Corporation", "State" -> "CA", "ZIPCode" -> "94112", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 23}, TimeObject[{14, 2, 45.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 927980.|>, <|"Date" -> DateObject[{2014, 7, 8}, TimeObject[{7, 53, 34.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Medical", "Issue" -> "Cont'd attempts collect debt not owed", "SubIssue" -> "Debt is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Sarma", "State" -> "TX", "ZIPCode" -> "78225", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 10}, TimeObject[{18, 40, 17.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 927800.|>, <|"Date" -> DateObject[{2014, 7, 8}, TimeObject[{7, 58, 14.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional fixed mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Residential Credit Solutions", "State" -> "NV", "ZIPCode" -> "89104", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 8}, TimeObject[{8, 7, 8.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 928360.|>, <|"Date" -> DateObject[{2014, 7, 8}, TimeObject[{8, 5, 35.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Reinserted previously deleted info", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Experian", "State" -> "AL", "ZIPCode" -> "35611", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 10}, TimeObject[{18, 42, 48.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 928361.|>, <|"Date" -> DateObject[{2014, 7, 8}, TimeObject[{9, 23, 3.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Other (i.e. phone health club etc.)", "Issue" -> "Taking/threatening an illegal action", "SubIssue" -> "Threatened arrest/jail if do not pay", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Goldberg & Peretti, LLC", "State" -> "WI", "ZIPCode" -> "53523", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 10}, TimeObject[{22, 22, 8.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 928364.|>, <|"Date" -> DateObject[{2014, 7, 8}, TimeObject[{9, 23, 25.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Using a debit or ATM card", 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"SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 10}, TimeObject[{22, 53, 14.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 927615.|>, <|"Date" -> DateObject[{2014, 7, 8}, TimeObject[{10, 23, 42.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional fixed mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Ditech Financial LLC", "State" -> "SC", "ZIPCode" -> "29073", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 8}, TimeObject[{10, 37, 15.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 928366.|>, <|"Date" -> DateObject[{2014, 7, 8}, TimeObject[{11, 37, 57.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional fixed mortgage", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Ditech Financial LLC", "State" -> "TX", "ZIPCode" -> "77511", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 8}, TimeObject[{11, 52, 7.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 928368.|>, <|"Date" -> DateObject[{2014, 7, 8}, TimeObject[{12, 4, 55.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Medical", "Issue" -> "Cont'd attempts collect debt not owed", "SubIssue" -> "Debt is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "American Collections Enterprise, Inc.", "State" -> "VA", "ZIPCode" -> "22311", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 10}, TimeObject[{22, 7, 51.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 927847.|>, <|"Date" -> DateObject[{2014, 7, 8}, TimeObject[{12, 28, 59.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Information is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "TransUnion Intermediate Holdings, Inc.", "State" -> "GA", "ZIPCode" -> "30344", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 8}, TimeObject[{12, 29, 24.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 928005.|>, <|"Date" -> DateObject[{2014, 7, 8}, TimeObject[{12, 35, 36.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "I do not know", "Issue" -> "Taking/threatening an illegal action", "SubIssue" -> "Attempted to/Collected exempt funds", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Encore Capital Group", "State" -> "NY", "ZIPCode" -> "13214", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 8}, TimeObject[{12, 37, 13.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 928377.|>, 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"SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 8}, TimeObject[{13, 7, 9.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 928392.|>, <|"Date" -> DateObject[{2014, 7, 8}, TimeObject[{13, 10, 27.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Information is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Equifax", "State" -> "NC", "ZIPCode" -> "27502", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 8}, TimeObject[{13, 22, 10.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 928401.|>, 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"Postal mail", "DateSent" -> DateObject[{2014, 7, 16}, TimeObject[{22, 27, 20.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 927717.|>, <|"Date" -> DateObject[{2014, 7, 8}, TimeObject[{13, 29, 22.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Account status", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Equifax", "State" -> "TX", "ZIPCode" -> "76534", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Postal mail", "DateSent" -> DateObject[{2014, 7, 16}, TimeObject[{22, 29, 10.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 927718.|>, <|"Date" -> DateObject[{2014, 7, 8}, TimeObject[{13, 32, 39.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "FHA mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Flagstar Bank", "State" -> "NJ", "ZIPCode" -> "08520", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 8}, TimeObject[{13, 37, 9.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 928409.|>, <|"Date" -> DateObject[{2014, 7, 8}, TimeObject[{13, 34, 7.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Information is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "TransUnion Intermediate Holdings, Inc.", "State" -> "TX", "ZIPCode" -> "75235", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Postal mail", "DateSent" -> DateObject[{2014, 7, 21}, TimeObject[{17, 30, 35.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 928257.|>, <|"Date" -> DateObject[{2014, 7, 8}, TimeObject[{13, 45, 11.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Other (i.e. phone health club etc.)", "Issue" -> "Disclosure verification of debt", "SubIssue" -> "Not given enough info to verify debt", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "NCC Business Services, Inc.", "State" -> "CO", "ZIPCode" -> "80538", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 11}, TimeObject[{12, 2, 9.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 928398.|>, <|"Date" -> DateObject[{2014, 7, 8}, TimeObject[{13, 49, 0.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Other (i.e. phone health club etc.)", "Issue" -> "Disclosure verification of debt", "SubIssue" -> "Not given enough info to verify debt", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Hunter Warfield, Inc.", "State" -> "CO", "ZIPCode" -> "80538", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 11}, TimeObject[{12, 40, 19.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 928399.|>, <|"Date" -> DateObject[{2014, 7, 8}, TimeObject[{13, 50, 6.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Ditech Financial LLC", "State" -> "NJ", "ZIPCode" -> "08081", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 11}, TimeObject[{13, 6, 57.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 928423.|>, <|"Date" -> DateObject[{2014, 7, 8}, TimeObject[{13, 55, 34.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Medical", "Issue" -> "Improper contact or sharing of info", "SubIssue" -> "Contacted employer after asked not to", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Frost-Arnett Company", "State" -> "TX", "ZIPCode" -> "75043", "Tags" -> "Older American", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 11}, TimeObject[{13, 9, 11.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 928428.|>, <|"Date" -> DateObject[{2014, 7, 8}, TimeObject[{13, 56, 35.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Account status", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "TransUnion Intermediate Holdings, Inc.", "State" -> "TX", "ZIPCode" -> "76534", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Postal mail", "DateSent" -> DateObject[{2014, 7, 16}, TimeObject[{22, 30, 35.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 927719.|>, <|"Date" -> DateObject[{2014, 7, 8}, TimeObject[{13, 56, 57.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Information is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Experian", "State" -> "TX", "ZIPCode" -> "75235", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Postal mail", "DateSent" -> DateObject[{2014, 7, 21}, TimeObject[{17, 23, 0.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 928258.|>, <|"Date" -> DateObject[{2014, 7, 8}, TimeObject[{13, 57, 2.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Problems caused by my funds being low", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "TD Bank US Holding Company", "State" -> "FL", "ZIPCode" -> "33321", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 11}, TimeObject[{13, 33, 29.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 928584.|>, <|"Date" -> DateObject[{2014, 7, 8}, TimeObject[{13, 57, 53.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Money transfers", "SubProduct" -> "International money transfer", "Issue" -> "Fraud or scam", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "The Western Union Company", "State" -> "VA", "ZIPCode" -> "22432", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 8}, TimeObject[{14, 7, 8.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 928431.|>, <|"Date" -> DateObject[{2014, 7, 8}, TimeObject[{13, 58, 2.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Deposits and withdrawals", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Regions Financial Corporation", "State" -> "TN", "ZIPCode" -> "37207", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 11}, TimeObject[{13, 48, 52.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 928572.|>, <|"Date" -> DateObject[{2014, 7, 8}, TimeObject[{13, 59, 1.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Bank of America", "State" -> "FL", "ZIPCode" -> "33705", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 11}, TimeObject[{13, 53, 10.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 928521.|>, <|"Date" -> DateObject[{2014, 7, 8}, TimeObject[{13, 59, 25.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Information is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Equifax", "State" -> "TX", "ZIPCode" -> "75235", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Postal mail", "DateSent" -> DateObject[{2014, 7, 21}, TimeObject[{17, 15, 38.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 928259.|>, <|"Date" -> DateObject[{2014, 7, 8}, TimeObject[{14, 0, 3.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Deposits and withdrawals", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Wells Fargo & Company", "State" -> "KS", "ZIPCode" -> "67214", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 11}, TimeObject[{13, 55, 21.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 927683.|>, <|"Date" -> DateObject[{2014, 7, 8}, TimeObject[{14, 1, 20.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Home equity loan or line of credit", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Bayview Loan Servicing, LLC", "State" -> "FL", "ZIPCode" -> "34953", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Phone", "DateSent" -> DateObject[{2014, 7, 11}, TimeObject[{13, 9, 15.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 928435.|>, <|"Date" -> DateObject[{2014, 7, 8}, TimeObject[{14, 2, 2.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Deposits and withdrawals", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "PNC Bank N.A.", "State" -> "NJ", "ZIPCode" -> "07022", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 11}, TimeObject[{14, 44, 21.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 928498.|>, <|"Date" -> DateObject[{2014, 7, 8}, TimeObject[{14, 3, 2.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Problems caused by my funds being low", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "JPMorgan Chase & Co.", "State" -> "NY", "ZIPCode" -> "11420", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 11}, TimeObject[{14, 45, 58.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 928527.|>, <|"Date" -> DateObject[{2014, 7, 8}, TimeObject[{14, 3, 31.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Credit card", "Issue" -> "Communication tactics", "SubIssue" -> "Frequent or repeated calls", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Citibank", "State" -> "FL", "ZIPCode" -> "32204", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 8}, TimeObject[{14, 7, 14.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 928437.|>, <|"Date" -> DateObject[{2014, 7, 8}, TimeObject[{14, 5, 2.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Problems caused by my funds being low", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "JPMorgan Chase & Co.", "State" -> "CA", "ZIPCode" -> "94551", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" 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5, 57.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Credit card", "Issue" -> "Communication tactics", "SubIssue" -> "Frequent or repeated calls", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Discover", "State" -> "FL", "ZIPCode" -> "32204", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 8}, TimeObject[{14, 7, 15.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 928438.|>, <|"Date" -> DateObject[{2014, 7, 8}, TimeObject[{14, 5, 58.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Federal student loan", "Issue" -> "False statements or representation", "SubIssue" -> "Attempted to collect wrong amount", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Expert Global Solutions, Inc.", "State" -> "NY", "ZIPCode" -> "10027", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 8}, TimeObject[{14, 7, 15.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 928441.|>, <|"Date" -> DateObject[{2014, 7, 8}, TimeObject[{14, 6, 2.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Deposits and withdrawals", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Bank of America", "State" -> "CA", "ZIPCode" -> "92173", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 11}, TimeObject[{14, 40, 27.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 926652.|>, <|"Date" -> DateObject[{2014, 7, 8}, TimeObject[{14, 7, 2.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Problems caused by my funds being low", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Bank of America", "State" -> "FL", "ZIPCode" -> "33025", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 11}, TimeObject[{14, 15, 53.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 927782.|>, <|"Date" -> DateObject[{2014, 7, 8}, TimeObject[{14, 7, 33.}, TimeZone -> -5.], TimeZone 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TimeObject[{18, 27, 12.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit card", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Other", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Expert Global Solutions, Inc.", "State" -> "NM", "ZIPCode" -> "88033", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Fax", "DateSent" -> DateObject[{2014, 7, 23}, TimeObject[{13, 45, 10.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 927846.|>, <|"Date" -> DateObject[{2014, 7, 8}, TimeObject[{18, 27, 37.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "I do not know", "Issue" -> "Communication tactics", "SubIssue" -> "Frequent or repeated calls", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Torres Credit Services, Inc.", "State" -> "IL", "ZIPCode" -> "60462", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Phone", "DateSent" -> DateObject[{2014, 7, 16}, TimeObject[{11, 59, 26.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 927626.|>, <|"Date" -> DateObject[{2014, 7, 8}, TimeObject[{18, 27, 55.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "I do not know", "Issue" -> "Disclosure verification of debt", "SubIssue" -> "Not given enough info to verify debt", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Resurgent Capital Services L.P.", "State" -> "NH", "ZIPCode" -> "03801", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 8}, TimeObject[{18, 37, 15.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 927949.|>, <|"Date" -> DateObject[{2014, 7, 8}, TimeObject[{18, 29, 4.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Other (i.e. phone health club etc.)", "Issue" -> "Cont'd attempts collect debt not owed", "SubIssue" -> "Debt was paid", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "EOS Holdings, Inc.", "State" -> "LA", "ZIPCode" -> "70819", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 8}, TimeObject[{18, 37, 17.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 927041.|>, <|"Date" -> DateObject[{2014, 7, 8}, TimeObject[{18, 31, 33.}, TimeZone -> -5.], TimeZone -> -5.], 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Missing["NotApplicable"], "Company" -> "U.S. Bancorp", "State" -> "AZ", "ZIPCode" -> "85345", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 11}, TimeObject[{16, 58, 47.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 927805.|>, <|"Date" -> DateObject[{2014, 7, 8}, TimeObject[{18, 39, 26.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "VA mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Wells Fargo & Company", "State" -> "IA", "ZIPCode" -> "50125", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 8}, TimeObject[{18, 52, 10.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 927059.|>, <|"Date" -> DateObject[{2014, 7, 8}, TimeObject[{18, 39, 47.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Information is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Experian", "State" -> "TX", "ZIPCode" -> "75211", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Postal mail", "DateSent" -> DateObject[{2014, 8, 13}, TimeObject[{16, 59, 8.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 927060.|>, <|"Date" -> DateObject[{2014, 7, 8}, TimeObject[{18, 40, 32.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Account status", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Experian", "State" -> "AZ", "ZIPCode" -> "85541", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Postal mail", "DateSent" -> DateObject[{2014, 7, 16}, TimeObject[{18, 34, 12.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 927062.|>, <|"Date" -> DateObject[{2014, 7, 8}, TimeObject[{18, 41, 22.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "I do not know", "Issue" -> "Disclosure verification of debt", "SubIssue" -> "Not given enough info to verify debt", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Encore Capital Group", "State" -> "NH", "ZIPCode" -> "03801", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 8}, TimeObject[{18, 52, 10.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 927950.|>, <|"Date" -> DateObject[{2014, 7, 8}, TimeObject[{18, 42, 58.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Problems caused by my funds being low", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Wells Fargo & Company", "State" -> "OH", "ZIPCode" -> "43068", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 8}, TimeObject[{18, 52, 12.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 927245.|>, <|"Date" -> DateObject[{2014, 7, 8}, TimeObject[{18, 43, 50.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Medical", "Issue" -> "Cont'd attempts collect debt not owed", "SubIssue" -> "Debt was paid", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Designed Receivable Solultions, Inc.", "State" -> "FL", "ZIPCode" -> "23411", "Tags" -> "Older American", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Postal mail", "DateSent" -> DateObject[{2014, 7, 11}, TimeObject[{16, 41, 40.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 927068.|>, <|"Date" -> DateObject[{2014, 7, 8}, TimeObject[{18, 43, 54.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit card", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Credit card protection / Debt protection", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "BB&T Financial", "State" -> "VA", "ZIPCode" -> "23030", "Tags" -> "Older American", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 8}, TimeObject[{18, 52, 13.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 927071.|>, <|"Date" -> DateObject[{2014, 7, 8}, TimeObject[{18, 44, 34.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Mortgage", "Issue" -> "Communication tactics", "SubIssue" -> "Frequent or repeated calls", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Ditech Financial LLC", "State" -> "VA", "ZIPCode" -> "24477", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 8}, TimeObject[{18, 52, 14.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 927072.|>, <|"Date" -> DateObject[{2014, 7, 8}, TimeObject[{18, 48, 33.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Account status", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Equifax", "State" -> "MD", "ZIPCode" -> "20721", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 8}, TimeObject[{18, 52, 15.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 928248.|>, <|"Date" -> DateObject[{2014, 7, 8}, TimeObject[{18, 48, 49.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Unable to get credit report/credit score", "SubIssue" -> "Problem getting my free annual report", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Equifax", "State" -> "TX", "ZIPCode" -> "78225", "Tags" -> "Servicemember", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 11}, TimeObject[{17, 14, 51.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 927676.|>, <|"Date" -> DateObject[{2014, 7, 8}, TimeObject[{18, 49, 16.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit card", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Billing disputes", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Synchrony Financial", "State" -> "MD", "ZIPCode" -> "21206", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 11}, TimeObject[{17, 42, 52.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 927735.|>, <|"Date" -> DateObject[{2014, 7, 8}, TimeObject[{18, 51, 47.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "FHA mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Wells Fargo & Company", "State" -> "LA", "ZIPCode" -> "70817", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 8}, TimeObject[{18, 52, 17.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 926945.|>, <|"Date" -> DateObject[{2014, 7, 8}, TimeObject[{18, 53, 19.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit card", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Billing disputes", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Amex", "State" -> "NC", "ZIPCode" -> "28570", "Tags" -> "Older American, Servicemember", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Phone", "DateSent" -> DateObject[{2014, 7, 11}, TimeObject[{16, 11, 0.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 927091.|>, <|"Date" -> DateObject[{2014, 7, 8}, TimeObject[{18, 53, 22.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit card", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Late fee", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Synchrony Financial", "State" -> "MD", "ZIPCode" -> "21230", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 11}, TimeObject[{17, 37, 54.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 927831.|>, <|"Date" -> DateObject[{2014, 7, 8}, TimeObject[{18, 54, 6.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Credit monitoring or identity protection", "SubIssue" -> "Problem with fraud alerts", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "TransUnion Intermediate Holdings, Inc.", "State" -> "FL", "ZIPCode" -> "33321", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 11}, TimeObject[{17, 12, 21.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 927973.|>, <|"Date" -> DateObject[{2014, 7, 8}, TimeObject[{18, 56, 21.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "I do not know", "Issue" -> "Cont'd attempts collect debt not owed", "SubIssue" -> "Debt is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "First Data Corporation", "State" -> "TX", "ZIPCode" -> "75948", "Tags" -> "Older American, Servicemember", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Postal mail", "DateSent" -> DateObject[{2014, 7, 11}, TimeObject[{17, 18, 16.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 927814.|>, <|"Date" -> DateObject[{2014, 7, 8}, TimeObject[{18, 57, 36.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional fixed mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Bank of America", "State" -> "IL", "ZIPCode" -> "60411", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 8}, TimeObject[{19, 7, 11.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 927101.|>, <|"Date" -> DateObject[{2014, 7, 8}, TimeObject[{18, 57, 42.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "I do not know", "Issue" -> "Cont'd attempts collect debt not owed", "SubIssue" -> "Debt is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "GC Services Limited Partnership", "State" -> "OH", "ZIPCode" -> "44128", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 24}, TimeObject[{14, 36, 14.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 927747.|>, <|"Date" -> DateObject[{2014, 7, 8}, TimeObject[{18, 58, 43.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "FHA mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "M&T Bank Corporation", "State" -> "NC", "ZIPCode" -> "27704", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 11}, TimeObject[{16, 51, 20.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 927105.|>, <|"Date" -> DateObject[{2014, 7, 8}, TimeObject[{18, 58, 44.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Payday loan", "Issue" -> "Taking/threatening an illegal action", "SubIssue" -> "Threatened arrest/jail if do not pay", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Turning Point Solutions LLC", "State" -> "PA", "ZIPCode" -> "16365", "Tags" -> "Older American", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 8}, TimeObject[{19, 7, 12.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 928234.|>, <|"Date" -> DateObject[{2014, 7, 8}, TimeObject[{18, 59, 41.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Credit card", "Issue" -> "Communication tactics", "SubIssue" -> "Threatened to take legal action", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Discover", "State" -> "TX", "ZIPCode" -> "76051", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 11}, TimeObject[{16, 24, 40.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 927110.|>, <|"Date" -> DateObject[{2014, 7, 8}, TimeObject[{19, 5, 6.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Other bank product/service", "Issue" -> "Deposits and withdrawals", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Synchrony Financial", "State" -> "UT", "ZIPCode" -> "84119", "Tags" -> "Older American", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Phone", "DateSent" -> DateObject[{2014, 7, 18}, TimeObject[{16, 16, 22.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 927123.|>, <|"Date" -> DateObject[{2014, 7, 8}, TimeObject[{19, 6, 0.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Credit card", "Issue" -> "Improper contact or sharing of info", "SubIssue" -> "Contacted me after I asked not to", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Cavalry Investments, LLC", "State" -> "NY", "ZIPCode" -> "14127", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 8}, TimeObject[{19, 7, 15.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 927126.|>, <|"Date" -> DateObject[{2014, 7, 8}, TimeObject[{19, 7, 55.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Application, originator, mortgage broker", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Bank of America", "State" -> "FL", "ZIPCode" -> "33455", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Postal mail", "DateSent" -> DateObject[{2014, 7, 11}, TimeObject[{16, 49, 11.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 927130.|>, <|"Date" -> DateObject[{2014, 7, 8}, TimeObject[{19, 10, 42.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Medical", "Issue" -> "Communication tactics", "SubIssue" -> "Threatened to take legal action", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Community Health Investment Company, LLC.", "State" -> "LA", "ZIPCode" -> "71496", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Phone", "DateSent" -> DateObject[{2014, 7, 11}, TimeObject[{17, 33, 50.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 927135.|>, <|"Date" -> DateObject[{2014, 7, 8}, TimeObject[{19, 11, 40.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Problems caused by my funds being low", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Wells Fargo & Company", "State" -> "ID", "ZIPCode" -> "83422", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Postal mail", "DateSent" -> DateObject[{2014, 7, 11}, TimeObject[{17, 5, 19.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 927136.|>, <|"Date" -> DateObject[{2014, 7, 8}, TimeObject[{19, 12, 19.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit card", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Other", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "JPMorgan Chase & Co.", "State" -> "SC", "ZIPCode" -> "29588", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Phone", "DateSent" -> DateObject[{2014, 7, 11}, TimeObject[{16, 4, 49.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 927137.|>, <|"Date" -> DateObject[{2014, 7, 8}, TimeObject[{19, 13, 9.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Nationstar Mortgage", "State" -> "CA", "ZIPCode" -> "92376", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Fax", "DateSent" -> DateObject[{2014, 7, 11}, TimeObject[{17, 38, 22.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 927760.|>, <|"Date" -> DateObject[{2014, 7, 8}, TimeObject[{19, 15, 17.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Other (i.e. phone health club etc.)", "Issue" -> "Cont'd attempts collect debt not owed", "SubIssue" -> "Debt was paid", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "First Service Residential, Nevada, LLC", "State" -> "TX", "ZIPCode" -> "76131", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 11, 14}, TimeObject[{15, 46, 4.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", 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-> "Web", "DateSent" -> DateObject[{2014, 7, 9}, TimeObject[{19, 37, 15.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "No", "ConsumerDisputed" -> "No", "ComplaintID" -> 929638.|>, <|"Date" -> DateObject[{2014, 7, 9}, TimeObject[{19, 38, 38.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional fixed mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Select Portfolio Servicing, Inc", "State" -> "CA", "ZIPCode" -> "94513", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Phone", "DateSent" -> DateObject[{2014, 7, 14}, TimeObject[{18, 25, 56.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 929643.|>, <|"Date" -> DateObject[{2014, 7, 9}, TimeObject[{19, 38, 38.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Medical", "Issue" -> "Disclosure verification of debt", "SubIssue" -> "Not given enough info to verify debt", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Clark County Collection Service", "State" -> "NV", "ZIPCode" -> "89031", "Tags" -> "Servicemember", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 14}, TimeObject[{19, 9, 28.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 930445.|>, <|"Date" -> DateObject[{2014, 7, 9}, TimeObject[{19, 39, 26.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Non-federal student loan", "Issue" -> "Improper contact or sharing of info", "SubIssue" -> 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"SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 14}, TimeObject[{18, 8, 52.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 929635.|>, <|"Date" -> DateObject[{2014, 7, 9}, TimeObject[{19, 42, 53.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "FHA mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "BB&T Financial", "State" -> "GA", "ZIPCode" -> "30338", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 9}, TimeObject[{19, 52, 17.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 930133.|>, <|"Date" -> 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"Debt is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Retrieval-Masters Creditors Bureau, Inc.", "State" -> "", "ZIPCode" -> "", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 14}, TimeObject[{19, 51, 22.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 929663.|>, <|"Date" -> DateObject[{2014, 7, 9}, TimeObject[{19, 50, 31.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional adjustable mortgage (ARM)", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Wells Fargo & Company", "State" -> "OH", "ZIPCode" -> "44301", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 17}, TimeObject[{11, 51, 39.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 929666.|>, <|"Date" -> DateObject[{2014, 7, 9}, TimeObject[{19, 55, 19.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional fixed mortgage", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Selene Finance", "State" -> "FL", "ZIPCode" -> "33323", "Tags" -> "Servicemember", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 9}, TimeObject[{20, 7, 13.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" 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"SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 18}, TimeObject[{16, 9, 34.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 929679.|>, <|"Date" -> DateObject[{2014, 7, 9}, TimeObject[{20, 3, 8.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Bayview Loan Servicing, LLC", "State" -> "IN", "ZIPCode" -> "47713", "Tags" -> "Older American", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 9}, TimeObject[{20, 7, 17.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 930069.|>, <|"Date" -> DateObject[{2014, 7, 9}, TimeObject[{20, 4, 43.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional adjustable mortgage (ARM)", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Nationstar Mortgage", "State" -> "CA", "ZIPCode" -> "94803", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 9}, TimeObject[{20, 7, 17.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 929693.|>, <|"Date" -> DateObject[{2014, 7, 9}, TimeObject[{20, 5, 38.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Student loan", "SubProduct" -> "Non-federal student loan", "Issue" -> "Dealing with my lender or servicer", "SubIssue" -> 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"ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 14}, TimeObject[{18, 18, 59.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 929700.|>, <|"Date" -> DateObject[{2014, 7, 9}, TimeObject[{20, 9, 30.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Account status", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Equifax", "State" -> "SC", "ZIPCode" -> "29202", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 14}, TimeObject[{18, 42, 42.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", 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payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> "Company has responded to the consumer and the CFPB and chooses not to provide a public response", "Company" -> "Bank of America", "State" -> "MN", "ZIPCode" -> "55337", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 14}, TimeObject[{20, 37, 48.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 932141.|>, <|"Date" -> DateObject[{2014, 7, 10}, TimeObject[{5, 14, 14.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Account opening, closing, or management", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "HSBC North America Holdings Inc.", "State" -> "NV", "ZIPCode" -> "89014", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 10}, TimeObject[{5, 22, 10.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 930751.|>, <|"Date" -> DateObject[{2014, 7, 10}, TimeObject[{5, 20, 45.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Account terms", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Navy FCU", "State" -> "GU", "ZIPCode" -> "96932", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 14}, TimeObject[{20, 17, 43.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 930752.|>, <|"Date" -> DateObject[{2014, 7, 10}, TimeObject[{5, 49, 34.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Account status", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "TransUnion Intermediate Holdings, Inc.", "State" -> "LA", "ZIPCode" -> "70789", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 10}, TimeObject[{5, 52, 12.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 932197.|>, <|"Date" -> DateObject[{2014, 7, 10}, TimeObject[{5, 59, 4.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Credit card", "Issue" -> "Cont'd attempts collect debt not owed", "SubIssue" -> "Debt was paid", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Altisource Portfolio Solutions, S.Ã  r.l.", "State" -> "OH", "ZIPCode" -> "44139", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 14}, TimeObject[{20, 29, 30.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 932430.|>, <|"Date" -> DateObject[{2014, 7, 10}, TimeObject[{6, 3, 36.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Credit reporting company's investigation", "SubIssue" -> "Problem with statement of dispute", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Experian", "State" -> "GA", "ZIPCode" -> "30022", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 10}, TimeObject[{6, 7, 9.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 930754.|>, <|"Date" -> DateObject[{2014, 7, 10}, TimeObject[{6, 51, 17.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Student loan", "SubProduct" -> "Non-federal student loan", "Issue" -> "Can't repay my loan", "SubIssue" -> "Can't get flexible payment options", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "MEFA", "State" -> "CA", "ZIPCode" -> "92115", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 10}, TimeObject[{6, 52, 14.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 932360.|>, <|"Date" -> DateObject[{2014, 7, 10}, TimeObject[{7, 44, 46.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit card", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Customer service / Customer relations", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Amex", "State" -> "CA", "ZIPCode" -> "94134", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 10}, TimeObject[{7, 52, 11.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 930756.|>, <|"Date" -> DateObject[{2014, 7, 10}, TimeObject[{9, 29, 40.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional adjustable mortgage (ARM)", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Ocwen", "State" -> "MD", "ZIPCode" -> "20854", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 10}, TimeObject[{9, 37, 7.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 930759.|>, <|"Date" -> DateObject[{2014, 7, 10}, TimeObject[{10, 14, 52.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Consumer Loan", "SubProduct" -> "Installment loan", "Issue" -> "Taking out the loan or lease", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "OneMain Financial Holdings, LLC", "State" -> "CA", "ZIPCode" -> "92672", "Tags" -> "Servicemember", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 10}, TimeObject[{10, 22, 10.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 930763.|>, <|"Date" -> DateObject[{2014, 7, 10}, TimeObject[{10, 26, 2.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Deposits and withdrawals", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "UBS Bank", "State" -> "CA", "ZIPCode" -> "92021", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 15}, TimeObject[{14, 27, 19.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 930838.|>, <|"Date" -> DateObject[{2014, 7, 10}, TimeObject[{10, 28, 1.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit card", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Advertising and marketing", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Barclays PLC", "State" -> "CA", "ZIPCode" -> "92019", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 15}, TimeObject[{14, 34, 16.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 930859.|>, <|"Date" -> DateObject[{2014, 7, 10}, TimeObject[{10, 29, 2.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit card", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Billing disputes", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Amex", "State" -> "NY", "ZIPCode" -> "10025", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 15}, TimeObject[{14, 36, 24.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 930888.|>, <|"Date" -> DateObject[{2014, 7, 10}, TimeObject[{10, 30, 3.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Select Portfolio Servicing, Inc", "State" -> "FL", "ZIPCode" -> "33023", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 8, 18}, TimeObject[{12, 52, 54.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 932164.|>, <|"Date" -> DateObject[{2014, 7, 10}, TimeObject[{10, 33, 2.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Wells Fargo & Company", "State" -> "CA", "ZIPCode" -> "91001", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 15}, TimeObject[{17, 30, 27.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 932624.|>, <|"Date" -> DateObject[{2014, 7, 10}, TimeObject[{10, 35, 3.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Seterus, Inc.", "State" -> "GA", "ZIPCode" -> "30034", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 15}, TimeObject[{17, 35, 57.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 932269.|>, <|"Date" -> DateObject[{2014, 7, 10}, TimeObject[{10, 36, 2.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> "Company chooses not to provide a public response", "Company" -> "Bank of America", "State" -> "VA", "ZIPCode" -> "20135", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 8, 5}, TimeObject[{15, 35, 48.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 931396.|>, <|"Date" -> DateObject[{2014, 7, 10}, TimeObject[{11, 17, 35.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit card", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Customer service / Customer relations", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "JPMorgan Chase & Co.", "State" -> "TX", "ZIPCode" -> "75606", "Tags" -> "Older American", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 10}, TimeObject[{11, 22, 11.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 930764.|>, <|"Date" -> DateObject[{2014, 7, 10}, TimeObject[{11, 39, 25.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Home equity loan or line of credit", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Arbor Residential Mortgage LLC", "State" -> "DE", "ZIPCode" -> "19709", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 10}, TimeObject[{11, 52, 6.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 930765.|>, <|"Date" -> DateObject[{2014, 7, 10}, TimeObject[{12, 9, 9.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Credit card", "Issue" -> "Cont'd attempts collect debt not owed", "SubIssue" -> "Debt is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Blatt, Hasenmiller, Leibsker & Moore, LLC", "State" -> "IL", "ZIPCode" -> "61550", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 15}, TimeObject[{17, 53, 34.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 932209.|>, <|"Date" -> DateObject[{2014, 7, 10}, TimeObject[{12, 15, 1.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Information is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "TransUnion Intermediate Holdings, Inc.", "State" -> "FL", "ZIPCode" -> "33617", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 10}, TimeObject[{12, 22, 11.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 932139.|>, <|"Date" -> DateObject[{2014, 7, 10}, TimeObject[{12, 23, 37.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Account opening, closing, or management", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Capital One", "State" -> "CA", "ZIPCode" -> "93406", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 10}, TimeObject[{12, 37, 8.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 932420.|>, <|"Date" -> DateObject[{2014, 7, 10}, TimeObject[{12, 32, 39.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Information is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Fidelity National Information Services, Inc. (FNIS)", "State" -> "CA", "ZIPCode" -> "93406", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 10}, TimeObject[{12, 37, 9.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 932421.|>, <|"Date" -> DateObject[{2014, 7, 10}, TimeObject[{12, 34, 59.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "I do not know", "Issue" -> "Communication tactics", "SubIssue" -> "Frequent or repeated calls", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Allied Interstate LLC", "State" -> "MD", "ZIPCode" -> "20910", "Tags" -> "Servicemember", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 15}, TimeObject[{13, 23, 45.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 930778.|>, <|"Date" -> DateObject[{2014, 7, 10}, TimeObject[{12, 50, 44.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Information is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Early Warning Services, LLC", "State" -> "CA", "ZIPCode" -> "93406", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 10}, TimeObject[{12, 52, 13.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 932422.|>, <|"Date" -> DateObject[{2014, 7, 10}, TimeObject[{12, 59, 54.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "PNC Bank N.A.", "State" -> "VA", "ZIPCode" -> "22193", "Tags" -> "Servicemember", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 10}, TimeObject[{13, 7, 9.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 930791.|>, <|"Date" -> DateObject[{2014, 7, 10}, TimeObject[{13, 4, 36.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Other (i.e. phone health club etc.)", "Issue" -> "Cont'd attempts collect debt not owed", "SubIssue" -> "Debt resulted from identity theft", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "TD Bank US Holding Company", "State" -> "TX", "ZIPCode" -> "77058", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 15}, TimeObject[{14, 41, 54.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 932358.|>, <|"Date" -> DateObject[{2014, 7, 10}, TimeObject[{13, 5, 20.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Credit reporting company's investigation", "SubIssue" -> "Investigation took too long", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Equifax", "State" -> "GA", "ZIPCode" -> "30115", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 15}, TimeObject[{15, 2, 33.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> 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Data Systems, Inc.", "State" -> "MS", "ZIPCode" -> "39180", "Tags" -> "Older American, Servicemember", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 15}, TimeObject[{15, 29, 35.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 931168.|>, <|"Date" -> DateObject[{2014, 7, 10}, TimeObject[{16, 55, 2.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "JPMorgan Chase & Co.", "State" -> "", "ZIPCode" -> "", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Fax", "DateSent" -> DateObject[{2014, 7, 15}, TimeObject[{16, 18, 57.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" 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"", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 15}, TimeObject[{18, 31, 42.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 931213.|>, <|"Date" -> DateObject[{2014, 7, 10}, TimeObject[{17, 0, 23.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit card", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Balance transfer", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "USAA Savings", "State" -> "FL", "ZIPCode" -> "33884", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 15}, TimeObject[{18, 44, 56.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 931214.|>, <|"Date" -> DateObject[{2014, 7, 10}, TimeObject[{17, 0, 26.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Second mortgage", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "OneMain Financial Holdings, LLC", "State" -> "MS", "ZIPCode" -> "39305", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 15}, TimeObject[{18, 20, 46.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 931215.|>, <|"Date" -> DateObject[{2014, 7, 10}, TimeObject[{17, 0, 27.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "U.S. Bancorp", "State" -> "FL", "ZIPCode" -> "32967", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 15}, TimeObject[{17, 12, 11.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 931216.|>, <|"Date" -> DateObject[{2014, 7, 10}, TimeObject[{17, 0, 33.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Planet Home Lending, LLC", "State" -> "TX", "ZIPCode" -> "77406", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 15}, TimeObject[{15, 15, 47.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 931217.|>, <|"Date" -> DateObject[{2014, 7, 10}, TimeObject[{17, 0, 37.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Select Portfolio Servicing, Inc", "State" -> "FL", "ZIPCode" -> "33411", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 15}, TimeObject[{17, 25, 35.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 931219.|>, <|"Date" -> DateObject[{2014, 7, 10}, TimeObject[{17, 0, 37.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Wells Fargo & Company", "State" -> "CA", "ZIPCode" -> "90023", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 15}, TimeObject[{15, 26, 11.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 931220.|>, <|"Date" -> DateObject[{2014, 7, 10}, TimeObject[{17, 0, 40.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Wells Fargo & Company", "State" -> "GA", "ZIPCode" -> "30507", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 15}, TimeObject[{17, 9, 37.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 931798.|>, <|"Date" -> DateObject[{2014, 7, 10}, TimeObject[{17, 0, 41.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit card", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Cash advance", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Capital One", "State" -> "PA", "ZIPCode" -> "19605", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 15}, TimeObject[{15, 21, 29.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 931836.|>, <|"Date" -> DateObject[{2014, 7, 10}, TimeObject[{17, 0, 45.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Second mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Bank of America", "State" -> "NH", "ZIPCode" -> "03853", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 15}, TimeObject[{18, 14, 12.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 931910.|>, <|"Date" -> DateObject[{2014, 7, 10}, TimeObject[{17, 1, 46.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Payday loan", "SubProduct" -> "Payday loan", "Issue" -> "Charged fees or interest I didn't expect", "SubIssue" -> "Charged fees or interest I didn't expect", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "GVA Holdings, LLC", "State" -> "WA", "ZIPCode" -> "98144", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 15}, TimeObject[{17, 42, 31.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with monetary relief", "TimelyResponse" -> "No", "ConsumerDisputed" -> "No", "ComplaintID" -> 931222.|>, <|"Date" -> DateObject[{2014, 7, 10}, TimeObject[{17, 2, 43.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional fixed mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Servis One, Inc.", "State" -> "NY", "ZIPCode" -> "11704", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 10}, TimeObject[{17, 7, 11.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 932179.|>, <|"Date" -> DateObject[{2014, 7, 10}, TimeObject[{17, 5, 21.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Other (i.e. phone health club etc.)", "Issue" -> "Improper contact or sharing of info", "SubIssue" -> "Talked to a third party about my debt", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Diversified Consultants, Inc.", "State" -> "CA", "ZIPCode" -> "92021", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 15}, TimeObject[{18, 51, 32.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 931230.|>, <|"Date" -> DateObject[{2014, 7, 10}, TimeObject[{17, 7, 26.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Account opening, closing, or management", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "The Huntington National Bank", "State" -> "OH", "ZIPCode" -> "43605", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Phone", "DateSent" -> DateObject[{2014, 7, 15}, TimeObject[{16, 12, 15.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 931232.|>, <|"Date" -> DateObject[{2014, 7, 10}, TimeObject[{17, 8, 18.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional adjustable mortgage (ARM)", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "JPMorgan Chase & Co.", "State" -> "NY", "ZIPCode" -> "10101", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 10}, TimeObject[{17, 22, 11.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 931233.|>, <|"Date" -> DateObject[{2014, 7, 10}, TimeObject[{17, 9, 26.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Reinserted previously deleted info", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "HCFS Health Care Financial Services, Inc.", "State" -> "FL", "ZIPCode" -> "34202", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 15}, TimeObject[{17, 45, 53.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 931235.|>, <|"Date" -> DateObject[{2014, 7, 10}, TimeObject[{17, 10, 13.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "I do not know", "Issue" -> "Disclosure verification of debt", "SubIssue" -> "Not given enough info to verify debt", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Harmon Law Offices, P.C.", "State" -> "RI", "ZIPCode" -> "02852", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 9, 2}, TimeObject[{13, 29, 12.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 931237.|>, <|"Date" -> DateObject[{2014, 7, 10}, TimeObject[{17, 11, 48.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit card", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Billing disputes", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Capital One", "State" -> "FL", "ZIPCode" -> "33805", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Fax", "DateSent" -> DateObject[{2014, 7, 15}, TimeObject[{19, 45, 41.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 932205.|>, <|"Date" -> DateObject[{2014, 7, 10}, TimeObject[{17, 12, 6.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional adjustable mortgage (ARM)", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Bank of America", "State" -> "CA", "ZIPCode" -> "92880", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 10}, TimeObject[{17, 22, 12.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 932365.|>, <|"Date" -> DateObject[{2014, 7, 10}, TimeObject[{17, 12, 43.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Mortgage", "Issue" -> "Improper contact or sharing of info", "SubIssue" -> "Talked to a third party about my debt", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Select Portfolio Servicing, Inc", "State" -> "MO", "ZIPCode" -> "63118", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 15}, TimeObject[{15, 15, 17.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 931243.|>, <|"Date" -> DateObject[{2014, 7, 10}, TimeObject[{17, 13, 12.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "I do not know", "Issue" -> "Cont'd attempts collect debt not owed", "SubIssue" -> "Debt is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Receivables Performance Management LLC", "State" -> "SC", "ZIPCode" -> "29501", "Tags" -> "Older American", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 22}, TimeObject[{13, 43, 35.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 931245.|>, <|"Date" -> DateObject[{2014, 7, 10}, TimeObject[{17, 14, 58.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional fixed mortgage", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Ocwen", "State" -> "ME", "ZIPCode" -> "04102", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 10}, TimeObject[{17, 22, 13.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 931249.|>, <|"Date" -> DateObject[{2014, 7, 10}, TimeObject[{17, 16, 23.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Other (i.e. phone health club etc.)", "Issue" -> "Improper contact or sharing of info", "SubIssue" -> "Talked to a third party about my debt", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Shermeta Law Group, P.C.", "State" -> "MI", "ZIPCode" -> "49080", "Tags" -> "Servicemember", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 10}, TimeObject[{17, 22, 13.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 931251.|>, <|"Date" -> DateObject[{2014, 7, 10}, TimeObject[{17, 16, 24.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Other (i.e. phone health club etc.)", "Issue" -> "Improper contact or sharing of info", "SubIssue" -> "Talked to a third party about my debt", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Citibank", "State" -> "MI", "ZIPCode" -> "49080", "Tags" -> "Servicemember", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 10}, TimeObject[{17, 22, 13.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 931252.|>, <|"Date" -> DateObject[{2014, 7, 10}, TimeObject[{17, 18, 29.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit card", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Identity theft / Fraud / Embezzlement", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Citibank", "State" -> "NY", "ZIPCode" -> "11361", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 10}, TimeObject[{17, 22, 14.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 931257.|>, <|"Date" -> DateObject[{2014, 7, 10}, TimeObject[{17, 19, 39.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional fixed mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Specialized Loan Servicing LLC", "State" -> "RI", "ZIPCode" -> "02852", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 10}, TimeObject[{17, 22, 14.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 932392.|>, <|"Date" -> DateObject[{2014, 7, 10}, TimeObject[{17, 23, 2.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Select Portfolio Servicing, Inc", "State" -> "CA", "ZIPCode" -> "92592", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 15}, TimeObject[{16, 17, 1.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 931993.|>, <|"Date" -> DateObject[{2014, 7, 10}, TimeObject[{17, 26, 38.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit card", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Transaction issue", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Discover", "State" -> "GA", "ZIPCode" -> "30306", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 15}, TimeObject[{17, 26, 5.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 931269.|>, <|"Date" -> DateObject[{2014, 7, 10}, TimeObject[{17, 27, 24.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional fixed mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Ditech Financial LLC", "State" -> "CA", "ZIPCode" -> "93720", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 15}, TimeObject[{18, 5, 54.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 931279.|>, <|"Date" -> DateObject[{2014, 7, 10}, TimeObject[{17, 28, 50.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional fixed mortgage", "Issue" -> "Settlement process and costs", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Select Portfolio Servicing, Inc", "State" -> "MD", "ZIPCode" -> "21214", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 15}, TimeObject[{18, 17, 59.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 931294.|>, <|"Date" -> DateObject[{2014, 7, 10}, TimeObject[{17, 29, 7.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit card", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Transaction issue", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Amex", "State" -> "GA", "ZIPCode" -> "30306", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 15}, TimeObject[{17, 28, 13.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 931270.|>, <|"Date" -> DateObject[{2014, 7, 10}, TimeObject[{17, 29, 29.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Consumer Loan", "SubProduct" -> "Installment loan", "Issue" -> "Managing the loan or lease", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Ocwen", "State" -> "TX", "ZIPCode" -> "77042", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 15}, TimeObject[{18, 38, 32.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 932349.|>, <|"Date" -> DateObject[{2014, 7, 10}, TimeObject[{17, 30, 55.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Consumer Loan", "SubProduct" -> "Installment loan", "Issue" -> "Taking out the loan or lease", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Citibank", "State" -> "PA", "ZIPCode" -> "19104", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 10}, TimeObject[{17, 37, 13.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 931299.|>, <|"Date" -> DateObject[{2014, 7, 10}, TimeObject[{17, 31, 22.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "I do not know", "Issue" -> "Improper contact or sharing of info", "SubIssue" -> "Talked to a third party about my debt", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Phillips, Reinhard & Associates", "State" -> "VA", "ZIPCode" -> "23462", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 8, 14}, TimeObject[{16, 33, 33.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "No", "ConsumerDisputed" -> Missing["NotApplicable"], "ComplaintID" -> 931300.|>, <|"Date" -> DateObject[{2014, 7, 10}, TimeObject[{17, 31, 39.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "I do not know", "Issue" -> "Taking/threatening an illegal action", "SubIssue" -> "Threatened arrest/jail if do not pay", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Regional Credit Solutions", "State" -> "FL", "ZIPCode" -> "32257", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 10}, TimeObject[{17, 37, 13.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Untimely response", "TimelyResponse" -> "No", "ConsumerDisputed" -> Missing["NotApplicable"], "ComplaintID" -> 931301.|>, <|"Date" -> DateObject[{2014, 7, 10}, TimeObject[{17, 32, 14.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Credit card", "Issue" -> "Communication tactics", "SubIssue" -> "Frequent or repeated calls", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Citibank", "State" -> "CA", "ZIPCode" -> "91384", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 10}, TimeObject[{17, 37, 14.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 931303.|>, <|"Date" -> DateObject[{2014, 7, 10}, TimeObject[{17, 33, 4.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "I do not know", "Issue" -> "Improper contact or sharing of info", "SubIssue" -> "Contacted employer after asked not to", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Resurgent Capital Services L.P.", "State" -> "AR", "ZIPCode" -> "72023", "Tags" -> "Servicemember", "ConsumerConsent" -> 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Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Citizens Financial Group, Inc.", "State" -> "MI", "ZIPCode" -> "48205", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 10}, TimeObject[{17, 52, 13.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 932388.|>, <|"Date" -> DateObject[{2014, 7, 10}, TimeObject[{17, 39, 22.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "I do not know", "Issue" -> "Cont'd attempts collect debt not owed", "SubIssue" -> "Debt is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "ERC", "State" -> "NC", "ZIPCode" -> "28804", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", 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Data International, Inc.", "State" -> "WA", "ZIPCode" -> "98404", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 16}, TimeObject[{13, 42, 14.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 931449.|>, <|"Date" -> DateObject[{2014, 7, 10}, TimeObject[{18, 26, 54.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "I do not know", "Issue" -> "Disclosure verification of debt", "SubIssue" -> "Right to dispute notice not received", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Coast to Coast Financial Solutions, Inc.", "State" -> "GA", "ZIPCode" -> "31833", "Tags" -> "Servicemember", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 10}, TimeObject[{18, 37, 12.}, TimeZone -> -5.], 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5, 39.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional fixed mortgage", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Wells Fargo & Company", "State" -> "MD", "ZIPCode" -> "21117", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 10}, TimeObject[{19, 7, 13.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 931553.|>, <|"Date" -> DateObject[{2014, 7, 10}, TimeObject[{19, 6, 30.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Student loan", "SubProduct" -> "Non-federal student loan", "Issue" -> "Can't repay my loan", "SubIssue" -> "Can't decrease my monthly payments", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Navient Solutions, Inc.", "State" -> "TX", "ZIPCode" -> "76002", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 10}, TimeObject[{19, 7, 15.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 931559.|>, <|"Date" -> DateObject[{2014, 7, 10}, TimeObject[{19, 7, 6.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Credit card", "Issue" -> "Cont'd attempts collect debt not owed", "SubIssue" -> "Debt was paid", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Altisource Portfolio Solutions, S.Ã  r.l.", "State" -> "OH", "ZIPCode" -> "44139", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 16}, TimeObject[{15, 5, 12.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 932433.|>, <|"Date" -> DateObject[{2014, 7, 10}, TimeObject[{19, 8, 9.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Payday loan", "Issue" -> "Communication tactics", "SubIssue" -> "Called after sent written cease of comm", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Oracle Financial Group LLC.", "State" -> "OH", "ZIPCode" -> "43068", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 21}, TimeObject[{17, 47, 56.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 931566.|>, <|"Date" -> DateObject[{2014, 7, 10}, TimeObject[{19, 8, 9.}, TimeZone -> -5.], 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Missing["NotApplicable"], "Company" -> "I.C. System, Inc.", "State" -> "TX", "ZIPCode" -> "77070", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 15}, TimeObject[{18, 19, 21.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 931579.|>, <|"Date" -> DateObject[{2014, 7, 10}, TimeObject[{19, 16, 7.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Information is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Equifax", "State" -> "WV", "ZIPCode" -> "25064", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 25}, TimeObject[{20, 48, 35.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with 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Missing["NotApplicable"], "Company" -> "JPMorgan Chase & Co.", "State" -> "WI", "ZIPCode" -> "53178", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Phone", "DateSent" -> DateObject[{2014, 7, 15}, TimeObject[{18, 13, 4.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 931682.|>, <|"Date" -> DateObject[{2014, 7, 10}, TimeObject[{20, 1, 20.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Public record", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Experian", "State" -> "MD", "ZIPCode" -> "21117", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 15}, TimeObject[{18, 48, 31.}, TimeZone -> -5.], TimeZone -> -5.], 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-5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Information is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Equifax", "State" -> "MI", "ZIPCode" -> "48224", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Fax", "DateSent" -> DateObject[{2014, 7, 28}, TimeObject[{20, 30, 34.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 932401.|>, <|"Date" -> DateObject[{2014, 7, 10}, TimeObject[{20, 5, 7.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Mortgage", "Issue" -> "Cont'd attempts collect debt not owed", "SubIssue" -> "Debt is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" 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"Wyndham Capital Mortgage, Inc.", "State" -> "CA", "ZIPCode" -> "94523", "Tags" -> "Older American", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 15}, TimeObject[{18, 34, 6.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 931708.|>, <|"Date" -> DateObject[{2014, 7, 10}, TimeObject[{20, 10, 20.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Auto", "Issue" -> "Taking/threatening an illegal action", "SubIssue" -> "Threatened to sue on too old debt", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "MacDowell & Associates, Ltd.", "State" -> "GA", "ZIPCode" -> "30530", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 15}, TimeObject[{19, 9, 34.}, TimeZone -> -5.], TimeZone -> 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"SubProduct" -> "Payday loan", "Issue" -> "Applied for loan/did not receive money", "SubIssue" -> "Applied for loan/did not receive money", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Enova International, Inc.", "State" -> "CA", "ZIPCode" -> "95670", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 16}, TimeObject[{12, 50, 53.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 932781.|>, <|"Date" -> DateObject[{2014, 7, 11}, TimeObject[{3, 4, 39.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Account status", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Equifax", "State" -> "TN", "ZIPCode" -> "37149", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 11}, TimeObject[{3, 7, 9.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> Missing["NotApplicable"], "ComplaintID" -> 932776.|>, <|"Date" -> DateObject[{2014, 7, 11}, TimeObject[{3, 6, 7.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional adjustable mortgage (ARM)", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Nationstar Mortgage", "State" -> "CA", "ZIPCode" -> "90293", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 11}, TimeObject[{3, 7, 9.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 932782.|>, <|"Date" -> DateObject[{2014, 7, 11}, TimeObject[{3, 7, 14.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional fixed mortgage", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Ditech Financial LLC", "State" -> "CA", "ZIPCode" -> "93710", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 11}, TimeObject[{3, 22, 10.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 932783.|>, <|"Date" -> DateObject[{2014, 7, 11}, TimeObject[{3, 8, 50.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Credit reporting company's investigation", "SubIssue" -> "Problem with statement of dispute", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Experian", "State" -> "TN", "ZIPCode" -> "37149", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 11}, TimeObject[{3, 22, 10.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> Missing["NotApplicable"], "ComplaintID" -> 932777.|>, <|"Date" -> DateObject[{2014, 7, 11}, TimeObject[{3, 12, 55.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Account status", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "TransUnion Intermediate Holdings, Inc.", "State" -> "TN", "ZIPCode" -> "37149", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 11}, TimeObject[{3, 22, 11.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> Missing["NotApplicable"], "ComplaintID" -> 932778.|>, <|"Date" -> DateObject[{2014, 7, 11}, TimeObject[{3, 18, 44.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Medical", "Issue" -> "Cont'd attempts collect debt not owed", "SubIssue" -> "Debt was paid", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Professional Medical Management, Inc.", "State" -> "PA", "ZIPCode" -> "18042", "Tags" -> "Servicemember", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 11}, TimeObject[{3, 22, 11.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 934376.|>, <|"Date" -> DateObject[{2014, 7, 11}, TimeObject[{3, 18, 44.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Medical", "Issue" -> "Cont'd attempts collect debt not owed", "SubIssue" -> "Debt was paid", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Receivables Management Partners, LLC", "State" -> "PA", "ZIPCode" -> "18042", "Tags" -> "Servicemember", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 11}, TimeObject[{3, 22, 11.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 934377.|>, <|"Date" -> DateObject[{2014, 7, 11}, TimeObject[{3, 19, 21.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Other (i.e. phone health club etc.)", "Issue" -> "Cont'd attempts collect debt not owed", "SubIssue" -> "Debt was paid", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "AllianceOne Recievables Management", "State" -> "CA", "ZIPCode" -> "94505", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 11}, TimeObject[{3, 22, 12.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 932784.|>, <|"Date" -> DateObject[{2014, 7, 11}, TimeObject[{3, 36, 12.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Other (i.e. phone health club etc.)", "Issue" -> "Cont'd attempts collect debt not owed", "SubIssue" -> "Debt is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "FAIR COLLECTIONS & OUTSOURCING, INC.", "State" -> "NV", "ZIPCode" -> "89113", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 11}, TimeObject[{3, 37, 12.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 932787.|>, <|"Date" -> DateObject[{2014, 7, 11}, TimeObject[{3, 37, 32.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Student loan", "SubProduct" -> "Non-federal student loan", "Issue" -> "Can't repay my loan", "SubIssue" -> "Can't get flexible payment options", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Navient Solutions, Inc.", "State" -> "NH", "ZIPCode" -> "03104", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 11}, TimeObject[{3, 52, 11.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 932789.|>, <|"Date" -> DateObject[{2014, 7, 11}, TimeObject[{4, 12, 33.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional fixed mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Bank of America", "State" -> "CA", "ZIPCode" -> "92883", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 16}, TimeObject[{13, 37, 37.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 933933.|>, <|"Date" -> DateObject[{2014, 7, 11}, TimeObject[{5, 21, 40.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "FHA mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Nationstar Mortgage", "State" -> "CA", "ZIPCode" -> "92376", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 11}, TimeObject[{5, 22, 11.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 932792.|>, <|"Date" -> DateObject[{2014, 7, 11}, TimeObject[{5, 25, 1.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "I do not know", "Issue" -> "Communication tactics", "SubIssue" -> "Used obscene/profane/abusive language", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Stellar Recovery Inc.", "State" -> "CA", "ZIPCode" -> "95812", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 22}, TimeObject[{13, 0, 14.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 932793.|>, <|"Date" -> DateObject[{2014, 7, 11}, TimeObject[{5, 34, 14.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Deposits and withdrawals", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "TD Bank US Holding Company", "State" -> "NJ", "ZIPCode" -> "07040", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 11}, TimeObject[{5, 37, 11.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 934378.|>, <|"Date" -> DateObject[{2014, 7, 11}, TimeObject[{5, 42, 42.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Money transfers", "SubProduct" -> "Domestic (US) money transfer", "Issue" -> "Money was not available when promised", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "PayPal Holdings, Inc.", "State" -> "CA", "ZIPCode" -> "92176", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 11}, TimeObject[{5, 52, 12.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 932794.|>, <|"Date" -> DateObject[{2014, 7, 11}, TimeObject[{6, 5, 35.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit card", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Identity theft / Fraud / Embezzlement", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "JPMorgan Chase & Co.", "State" -> "CA", "ZIPCode" -> "91352", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 11}, TimeObject[{6, 7, 10.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 932795.|>, <|"Date" -> DateObject[{2014, 7, 11}, TimeObject[{6, 14, 52.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit card", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Privacy", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Amex", "State" -> "CA", "ZIPCode" -> "90049", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 11}, TimeObject[{6, 22, 11.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 932796.|>, <|"Date" -> DateObject[{2014, 7, 11}, TimeObject[{6, 20, 56.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Other (i.e. phone health club etc.)", "Issue" -> "Communication tactics", "SubIssue" -> "Frequent or repeated calls", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Tower Loan", "State" -> "MS", "ZIPCode" -> "39206", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 11}, TimeObject[{6, 22, 11.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 932797.|>, <|"Date" -> DateObject[{2014, 7, 11}, TimeObject[{7, 0, 0.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Information is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Experian", "State" -> "CA", "ZIPCode" -> "91731", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 16}, TimeObject[{14, 7, 7.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 934011.|>, <|"Date" -> DateObject[{2014, 7, 11}, TimeObject[{7, 3, 0.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Information is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Equifax", "State" -> "CA", "ZIPCode" -> "91731", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 16}, TimeObject[{14, 9, 15.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 934012.|>, <|"Date" -> DateObject[{2014, 7, 11}, TimeObject[{7, 4, 51.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Information is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "TransUnion Intermediate Holdings, Inc.", "State" -> "CA", "ZIPCode" -> "91731", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 16}, TimeObject[{13, 21, 42.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> Missing["NotApplicable"], "ComplaintID" -> 934013.|>, <|"Date" -> DateObject[{2014, 7, 11}, TimeObject[{7, 4, 55.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "I do not know", "Issue" -> "Cont'd attempts collect debt not owed", "SubIssue" -> "Debt is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Receivables Management Group, Inc. (MN)", "State" -> "IL", "ZIPCode" -> "60563", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 16}, TimeObject[{13, 9, 26.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 932675.|>, <|"Date" -> DateObject[{2014, 7, 11}, TimeObject[{7, 8, 42.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Problems caused by my funds being low", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Bank of America", "State" -> "OR", "ZIPCode" -> "97219", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 11}, TimeObject[{7, 22, 12.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 932798.|>, <|"Date" -> DateObject[{2014, 7, 11}, TimeObject[{7, 8, 43.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit card", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Late fee", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Synchrony Financial", "State" -> "CA", "ZIPCode" -> "90630", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 11}, TimeObject[{7, 22, 11.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 932799.|>, <|"Date" -> DateObject[{2014, 7, 11}, TimeObject[{7, 39, 35.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional adjustable mortgage (ARM)", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Wells Fargo & Company", "State" -> "WA", "ZIPCode" -> "98038", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 11}, TimeObject[{7, 52, 13.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 932800.|>, <|"Date" -> DateObject[{2014, 7, 11}, TimeObject[{8, 36, 18.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Personal information", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Equifax", "State" -> "CA", "ZIPCode" -> "94577", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 16}, TimeObject[{12, 46, 25.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 933955.|>, <|"Date" -> DateObject[{2014, 7, 11}, TimeObject[{10, 6, 50.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Account terms", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Equifax", "State" -> "PA", "ZIPCode" -> "15642", "Tags" -> "Older American", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 11}, TimeObject[{10, 7, 6.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", 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"N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 16}, TimeObject[{15, 16, 8.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 934153.|>, <|"Date" -> DateObject[{2014, 7, 11}, TimeObject[{17, 0, 41.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Bank of America", "State" -> "FL", "ZIPCode" -> "34638", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 16}, TimeObject[{16, 47, 10.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 933232.|>, <|"Date" -> DateObject[{2014, 7, 11}, TimeObject[{17, 0, 42.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Problems caused by my funds being low", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "SunTrust Banks, Inc.", "State" -> "VA", "ZIPCode" -> "24153", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 16}, TimeObject[{15, 20, 25.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 933233.|>, <|"Date" -> DateObject[{2014, 7, 11}, TimeObject[{17, 0, 43.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> 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-> "Referral", "DateSent" -> DateObject[{2014, 7, 16}, TimeObject[{15, 19, 9.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 933235.|>, <|"Date" -> DateObject[{2014, 7, 11}, TimeObject[{17, 0, 46.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Select Portfolio Servicing, Inc", "State" -> "FL", "ZIPCode" -> "33023", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 21}, TimeObject[{18, 18, 56.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 934081.|>, 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"ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Citibank", "State" -> "MD", "ZIPCode" -> "20816", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 16}, TimeObject[{17, 14, 42.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 933080.|>, <|"Date" -> DateObject[{2014, 7, 11}, TimeObject[{17, 0, 52.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional fixed mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Ocwen", "State" -> "WA", "ZIPCode" -> "98102", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 16}, TimeObject[{16, 49, 23.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 932684.|>, <|"Date" -> DateObject[{2014, 7, 11}, TimeObject[{17, 0, 55.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "USAA Savings", "State" -> "FL", "ZIPCode" -> "33185", "Tags" -> "Servicemember", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 16}, TimeObject[{17, 45, 17.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 933957.|>, <|"Date" -> DateObject[{2014, 7, 11}, TimeObject[{17, 2, 58.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Payday loan", "Issue" -> "Taking/threatening an illegal action", "SubIssue" -> "Threatened arrest/jail if do not pay", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "CNG Financial Corporation", "State" -> "TX", "ZIPCode" -> "76953", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 11}, TimeObject[{17, 7, 15.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 933242.|>, <|"Date" -> DateObject[{2014, 7, 11}, TimeObject[{17, 3, 13.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional adjustable mortgage (ARM)", "Issue" -> "Settlement process and costs", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Ocwen", "State" -> "CO", "ZIPCode" -> "80241", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 11}, TimeObject[{17, 7, 15.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 933243.|>, <|"Date" -> DateObject[{2014, 7, 11}, TimeObject[{17, 8, 12.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit card", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Identity theft / Fraud / Embezzlement", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Citibank", "State" -> "MI", "ZIPCode" -> "48604", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 11}, TimeObject[{17, 22, 12.}, 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"Company" -> "Glass Mountain Capital, LLC", "State" -> "PA", "ZIPCode" -> "19149", "Tags" -> "Older American", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 22}, TimeObject[{15, 27, 27.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 934194.|>, <|"Date" -> DateObject[{2014, 7, 11}, TimeObject[{17, 11, 36.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Mortgage", "Issue" -> "Cont'd attempts collect debt not owed", "SubIssue" -> "Debt is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Citibank", "State" -> "NJ", "ZIPCode" -> "08045", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Postal mail", "DateSent" -> DateObject[{2014, 7, 30}, TimeObject[{20, 49, 58.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 933264.|>, <|"Date" -> DateObject[{2014, 7, 11}, TimeObject[{17, 16, 44.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional fixed mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Seterus, Inc.", "State" -> "WA", "ZIPCode" -> "98102", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 11}, TimeObject[{17, 22, 16.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 932685.|>, <|"Date" -> DateObject[{2014, 7, 11}, TimeObject[{17, 20, 5.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Account status", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "TransUnion Intermediate Holdings, Inc.", "State" -> "FL", "ZIPCode" -> "34436", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 11}, TimeObject[{17, 22, 18.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 933280.|>, <|"Date" -> DateObject[{2014, 7, 11}, TimeObject[{17, 20, 28.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "FHA mortgage", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Ocwen", "State" -> "NC", "ZIPCode" -> "27560", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 11}, TimeObject[{17, 22, 18.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 933281.|>, <|"Date" -> DateObject[{2014, 7, 11}, TimeObject[{17, 24, 19.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional adjustable mortgage (ARM)", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Select Portfolio Servicing, Inc", "State" -> "NM", "ZIPCode" -> "88021", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 11}, TimeObject[{17, 37, 12.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 932711.|>, <|"Date" -> DateObject[{2014, 7, 11}, TimeObject[{17, 24, 40.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Bank of America", "State" -> "AZ", "ZIPCode" -> "85737", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Postal mail", "DateSent" -> DateObject[{2014, 7, 16}, TimeObject[{16, 51, 17.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 934367.|>, <|"Date" -> DateObject[{2014, 7, 11}, TimeObject[{17, 26, 4.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Other bank product/service", "Issue" -> "Account opening, closing, or management", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Synchrony Financial", "State" -> "NY", "ZIPCode" -> "10016", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Postal mail", "DateSent" -> DateObject[{2014, 7, 18}, TimeObject[{16, 19, 28.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 932672.|>, <|"Date" -> DateObject[{2014, 7, 11}, TimeObject[{17, 26, 32.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "I do not know", "Issue" -> "Cont'd attempts collect debt not owed", "SubIssue" -> "Debt is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Arcadia Holdings, LLC", "State" -> "PA", "ZIPCode" -> "15701", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 8, 29}, TimeObject[{15, 31, 10.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 933293.|>, <|"Date" -> DateObject[{2014, 7, 11}, TimeObject[{17, 27, 26.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Consumer Loan", "SubProduct" -> "Vehicle loan", "Issue" -> "Problems when you are unable to pay", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Ford Motor Credit Company", "State" -> "OH", "ZIPCode" -> "44128", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 11}, TimeObject[{17, 37, 14.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 933294.|>, <|"Date" -> DateObject[{2014, 7, 11}, TimeObject[{17, 28, 11.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Account status", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Equifax", "State" -> "DE", "ZIPCode" -> "19938", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 11}, TimeObject[{17, 37, 14.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 933295.|>, <|"Date" -> DateObject[{2014, 7, 11}, TimeObject[{17, 28, 29.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Payday loan", "SubProduct" -> "Payday 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TimeZone -> -5.], "Product" -> "Student loan", "SubProduct" -> "Non-federal student loan", "Issue" -> "Dealing with my lender or servicer", "SubIssue" -> "Having problems with customer service", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Sallie Mae", "State" -> "CA", "ZIPCode" -> "90272", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 12}, TimeObject[{18, 7, 7.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 934393.|>, <|"Date" -> DateObject[{2014, 7, 12}, TimeObject[{17, 56, 42.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional fixed mortgage", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Select Portfolio Servicing, Inc", "State" -> "CA", "ZIPCode" -> "94803", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 12}, TimeObject[{18, 7, 10.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 934602.|>, <|"Date" -> DateObject[{2014, 7, 12}, TimeObject[{18, 1, 30.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Information is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Equifax", "State" -> "FL", "ZIPCode" -> "33296", "Tags" -> "Older American", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 12}, 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TimeObject[{18, 22, 17.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 934609.|>, <|"Date" -> DateObject[{2014, 7, 12}, TimeObject[{18, 18, 17.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Other (i.e. phone health club etc.)", "Issue" -> "Cont'd attempts collect debt not owed", "SubIssue" -> "Debt was paid", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Expert Global Solutions, Inc.", "State" -> "IL", "ZIPCode" -> "62208", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 17}, TimeObject[{16, 2, 45.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 934529.|>, <|"Date" -> DateObject[{2014, 7, 12}, TimeObject[{18, 22, 41.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "I do not know", "Issue" -> "Taking/threatening an illegal action", "SubIssue" -> "Threatened to sue on too old debt", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Wells Fargo & Company", "State" -> "OK", "ZIPCode" -> "73135", "Tags" -> "Servicemember", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 17}, TimeObject[{16, 7, 8.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 934532.|>, <|"Date" -> DateObject[{2014, 7, 12}, TimeObject[{18, 25, 38.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "I do not know", "Issue" -> "Cont'd attempts collect debt not owed", "SubIssue" -> "Debt is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "I.C. System, Inc.", "State" -> "FL", "ZIPCode" -> "33180", "Tags" -> "Older American", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 12}, TimeObject[{18, 37, 11.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 934533.|>, <|"Date" -> DateObject[{2014, 7, 12}, TimeObject[{18, 32, 39.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Auto", "Issue" -> "Disclosure verification of debt", "SubIssue" -> "Not disclosed as an attempt to collect", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "JPMorgan Chase & Co.", "State" -> "CA", "ZIPCode" -> "92262", "Tags" -> "Older American", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 12}, TimeObject[{18, 37, 16.}, TimeZone -> -5.], TimeZone -> -5.], 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Missing["NotApplicable"], "Issue" -> "Unable to get credit report/credit score", "SubIssue" -> "Problem getting report or credit score", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Experian", "State" -> "MN", "ZIPCode" -> "55402", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 17}, TimeObject[{18, 49, 10.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 934632.|>, <|"Date" -> DateObject[{2014, 7, 12}, TimeObject[{19, 12, 56.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Improper use of my credit report", "SubIssue" -> "Report improperly shared by CRC", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Equifax", "State" -> "PR", "ZIPCode" -> "00725", "Tags" -> "Older American", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 18}, TimeObject[{18, 4, 22.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 934537.|>, <|"Date" -> DateObject[{2014, 7, 12}, TimeObject[{19, 36, 19.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Information is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "TransUnion Intermediate Holdings, Inc.", "State" -> "UT", "ZIPCode" -> "84780", "Tags" -> "Servicemember", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 8, 4}, TimeObject[{9, 51, 58.}, TimeZone -> -5.], TimeZone 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"ComplaintID" -> 935039.|>, <|"Date" -> DateObject[{2014, 7, 14}, TimeObject[{15, 6, 54.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Deposits and withdrawals", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Wells Fargo & Company", "State" -> "OR", "ZIPCode" -> "97214", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Phone", "DateSent" -> DateObject[{2014, 7, 17}, TimeObject[{19, 42, 41.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 935045.|>, <|"Date" -> DateObject[{2014, 7, 14}, TimeObject[{15, 8, 36.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional fixed mortgage", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "HSBC North America Holdings Inc.", "State" -> "NJ", "ZIPCode" -> "07974", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 14}, TimeObject[{16, 37, 30.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 936525.|>, <|"Date" -> DateObject[{2014, 7, 14}, TimeObject[{15, 9, 10.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "I do not know", "Issue" -> "Communication tactics", "SubIssue" -> "Called outside of 8am-9pm", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "United Recovery Group, LLC (Closed)", "State" -> "AZ", "ZIPCode" -> "85705", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 14}, TimeObject[{16, 37, 30.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 935047.|>, <|"Date" -> DateObject[{2014, 7, 14}, TimeObject[{15, 10, 2.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Other bank product/service", "Issue" -> "Account opening, closing, or management", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "USAA Savings", "State" -> "TX", "ZIPCode" -> "78244", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 17}, TimeObject[{20, 3, 31.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 935336.|>, <|"Date" -> DateObject[{2014, 7, 14}, TimeObject[{15, 11, 2.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "JPMorgan Chase & Co.", "State" -> "NY", "ZIPCode" -> "13148", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 17}, TimeObject[{20, 12, 4.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 935512.|>, <|"Date" -> DateObject[{2014, 7, 14}, TimeObject[{15, 13, 0.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Public record", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Experian", "State" -> "MI", "ZIPCode" -> "48226", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 17}, TimeObject[{20, 18, 16.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 934914.|>, <|"Date" -> DateObject[{2014, 7, 14}, TimeObject[{15, 13, 2.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Deposits and withdrawals", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "USAA Savings", "State" -> "TX", "ZIPCode" -> "78258", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 17}, TimeObject[{20, 20, 55.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 935643.|>, <|"Date" -> DateObject[{2014, 7, 14}, TimeObject[{15, 13, 2.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Account opening, closing, or management", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "JPMorgan Chase & Co.", "State" -> "OH", "ZIPCode" -> "44406", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Phone", "DateSent" -> DateObject[{2014, 7, 17}, TimeObject[{19, 10, 59.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 935060.|>, <|"Date" -> DateObject[{2014, 7, 14}, TimeObject[{15, 13, 10.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Other bank product/service", "Issue" -> "Making/receiving payments, sending money", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "GreenSky Trade Credit, LLC", "State" -> "NY", "ZIPCode" -> "11756", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 18}, TimeObject[{16, 54, 56.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 935027.|>, <|"Date" -> DateObject[{2014, 7, 14}, TimeObject[{15, 13, 17.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit card", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Other", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "HSBC North America Holdings Inc.", "State" -> "CA", "ZIPCode" -> "92037", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 14}, TimeObject[{16, 37, 31.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 936374.|>, <|"Date" -> DateObject[{2014, 7, 14}, TimeObject[{15, 14, 2.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Application, originator, mortgage broker", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "First Citizens", "State" -> "NC", "ZIPCode" -> "27610", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 23}, TimeObject[{15, 59, 19.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 935878.|>, <|"Date" -> DateObject[{2014, 7, 14}, TimeObject[{15, 15, 3.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Account opening, closing, or management", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Synchrony Financial", "State" -> "CA", "ZIPCode" -> "91607", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 18}, TimeObject[{12, 37, 36.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 935923.|>, <|"Date" -> DateObject[{2014, 7, 14}, TimeObject[{15, 15, 21.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit card", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Other", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Barclays PLC", "State" -> "WI", "ZIPCode" -> "53186", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 14}, TimeObject[{16, 37, 32.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 936257.|>, <|"Date" -> DateObject[{2014, 7, 14}, TimeObject[{15, 16, 1.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit card", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Other fee", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "JPMorgan Chase & Co.", "State" -> "DE", "ZIPCode" -> "19904", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 17}, TimeObject[{18, 11, 25.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 935814.|>, <|"Date" -> DateObject[{2014, 7, 14}, TimeObject[{15, 17, 1.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Money transfers", "SubProduct" -> "International money transfer", "Issue" -> "Other transaction issues", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Bank of America", "State" -> "CA", "ZIPCode" -> "92637", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 17}, TimeObject[{17, 52, 47.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 935267.|>, <|"Date" -> DateObject[{2014, 7, 14}, TimeObject[{15, 17, 49.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "I do not know", "Issue" -> "Communication tactics", "SubIssue" -> "Frequent or repeated calls", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "JPMorgan Chase & Co.", "State" -> "SC", "ZIPCode" -> "29501", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 18}, TimeObject[{16, 58, 52.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 936471.|>, <|"Date" -> DateObject[{2014, 7, 14}, TimeObject[{15, 18, 2.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Deposits and withdrawals", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "TD Bank US Holding Company", "State" -> "NY", "ZIPCode" -> "11420", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 17}, TimeObject[{18, 1, 58.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 936295.|>, <|"Date" -> DateObject[{2014, 7, 14}, TimeObject[{15, 18, 43.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Information is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Equifax", "State" -> "SC", "ZIPCode" -> "29115", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 14}, TimeObject[{16, 37, 33.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 935070.|>, <|"Date" -> DateObject[{2014, 7, 14}, TimeObject[{15, 19, 2.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Consumer Loan", "SubProduct" -> "Vehicle loan", "Issue" -> "Managing the loan or lease", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "PNC Bank N.A.", "State" -> "FL", "ZIPCode" -> "33321", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 17}, TimeObject[{17, 47, 37.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 935538.|>, <|"Date" -> DateObject[{2014, 7, 14}, TimeObject[{15, 19, 17.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Account terms", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Equifax", "State" -> "IN", "ZIPCode" -> "46307", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 14}, TimeObject[{16, 37, 34.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> Missing["NotApplicable"], "ComplaintID" -> 935071.|>, <|"Date" -> DateObject[{2014, 7, 14}, TimeObject[{15, 20, 2.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Deposits and withdrawals", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "TD Bank US Holding Company", "State" -> "NJ", "ZIPCode" -> "08096", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 17}, TimeObject[{18, 3, 42.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 935520.|>, <|"Date" -> DateObject[{2014, 7, 14}, TimeObject[{15, 20, 13.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional fixed mortgage", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Provident Funding", "State" -> "NJ", "ZIPCode" -> "07981", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 17}, TimeObject[{18, 31, 9.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 936260.|>, <|"Date" -> DateObject[{2014, 7, 14}, TimeObject[{15, 20, 16.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Account status", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Equifax", "State" -> "FL", "ZIPCode" -> "33026", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 14}, TimeObject[{16, 37, 34.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 935074.|>, <|"Date" -> DateObject[{2014, 7, 14}, TimeObject[{15, 21, 2.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Using a debit or ATM card", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "USAA Savings", "State" -> "GA", "ZIPCode" -> "31909", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 17}, TimeObject[{18, 6, 7.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 936356.|>, <|"Date" -> DateObject[{2014, 7, 14}, TimeObject[{15, 22, 2.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Deposits and withdrawals", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Wells Fargo & Company", "State" -> "FL", "ZIPCode" -> "32940", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 17}, TimeObject[{17, 55, 6.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 935337.|>, <|"Date" -> DateObject[{2014, 7, 14}, TimeObject[{15, 22, 5.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Credit card", "Issue" -> "Taking/threatening an illegal action", "SubIssue" -> "Threatened to sue on too old debt", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Credit Card Receivables Fund Incorporated", "State" -> "OH", "ZIPCode" -> "44136", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 14}, TimeObject[{16, 37, 35.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 935075.|>, <|"Date" -> DateObject[{2014, 7, 14}, TimeObject[{15, 22, 6.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Credit card", "Issue" -> "Taking/threatening an illegal action", "SubIssue" -> "Threatened to sue on too old debt", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Citibank", "State" -> "OH", "ZIPCode" -> "44136", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 14}, TimeObject[{16, 37, 35.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 935076.|>, <|"Date" -> DateObject[{2014, 7, 14}, TimeObject[{15, 22, 43.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Application, originator, mortgage broker", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Wells Fargo & Company", "State" -> "FL", "ZIPCode" -> "33027", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Fax", "DateSent" -> DateObject[{2014, 7, 17}, TimeObject[{20, 25, 48.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 936282.|>, <|"Date" -> DateObject[{2014, 7, 14}, TimeObject[{15, 22, 47.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", 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-> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 935150.|>, <|"Date" -> DateObject[{2014, 7, 14}, TimeObject[{16, 0, 52.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Unable to get credit report/credit score", "SubIssue" -> "Problem getting my free annual report", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "TransUnion Intermediate Holdings, Inc.", "State" -> "TN", "ZIPCode" -> "38556", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 24}, TimeObject[{12, 48, 16.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 935151.|>, <|"Date" -> DateObject[{2014, 7, 14}, TimeObject[{16, 1, 1.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Account opening, closing, or management", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "U.S. Bancorp", "State" -> "MO", "ZIPCode" -> "63112", "Tags" -> "Older American, Servicemember", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Phone", "DateSent" -> DateObject[{2014, 7, 17}, TimeObject[{20, 30, 40.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 935153.|>, <|"Date" -> DateObject[{2014, 7, 14}, TimeObject[{16, 2, 8.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Payday loan", "SubProduct" -> "Payday loan", "Issue" -> "Can't contact lender", "SubIssue" -> "Can't contact lender", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "ACE Cash Express Inc.", "State" -> "TX", "ZIPCode" -> "75238", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 8, 7}, TimeObject[{17, 41, 24.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 935154.|>, <|"Date" -> DateObject[{2014, 7, 14}, TimeObject[{16, 3, 7.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional fixed mortgage", "Issue" -> "Application, originator, mortgage broker", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Wells Fargo & Company", "State" -> "CA", "ZIPCode" -> "92054", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 14}, TimeObject[{16, 37, 47.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 935155.|>, <|"Date" -> DateObject[{2014, 7, 14}, TimeObject[{16, 4, 4.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Payday loan", "SubProduct" -> "Payday loan", "Issue" -> "Received a loan I didn't apply for", "SubIssue" -> "Received a loan I didn't apply for", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Instant Cash Advance Corp", "State" -> "MI", "ZIPCode" -> "49525", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 14}, TimeObject[{16, 37, 48.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 935161.|>, <|"Date" -> DateObject[{2014, 7, 14}, TimeObject[{16, 4, 48.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Payday loan", "Issue" -> "Communication tactics", "SubIssue" -> "Frequent or repeated calls", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Quicken Loans", "State" -> "FL", "ZIPCode" -> "34953", "Tags" -> "Older American", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Phone", "DateSent" -> DateObject[{2014, 7, 17}, TimeObject[{19, 1, 50.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 935162.|>, <|"Date" -> DateObject[{2014, 7, 14}, TimeObject[{16, 5, 5.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "I do not know", "Issue" -> "Cont'd attempts collect debt not owed", "SubIssue" -> "Debt is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Diversified Recovery Services Inc.", "State" -> "GA", "ZIPCode" -> "30135", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 14}, TimeObject[{16, 37, 48.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "No", "ConsumerDisputed" -> Missing["NotApplicable"], "ComplaintID" -> 935163.|>, <|"Date" -> DateObject[{2014, 7, 14}, TimeObject[{16, 6, 38.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Using a debit or ATM card", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Fifth Third Financial Corporation", "State" -> "FL", "ZIPCode" -> "32771", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 14}, TimeObject[{16, 37, 49.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 936319.|>, <|"Date" -> DateObject[{2014, 7, 14}, TimeObject[{16, 7, 1.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Non-federal student loan", "Issue" -> "Communication tactics", "SubIssue" -> "Called after sent written cease of comm", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Navient Solutions, Inc.", "State" -> "AL", "ZIPCode" -> "35007", "Tags" -> "Older American", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 14}, TimeObject[{16, 37, 50.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 935167.|>, <|"Date" -> DateObject[{2014, 7, 14}, TimeObject[{16, 8, 2.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Account opening, closing, or management", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Wells Fargo & Company", "State" -> "NY", "ZIPCode" -> "10075", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 17}, TimeObject[{18, 43, 43.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 935171.|>, <|"Date" -> DateObject[{2014, 7, 14}, TimeObject[{16, 8, 43.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Account opening, closing, or management", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "M&T Bank Corporation", "State" -> "DE", "ZIPCode" -> "19801", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Phone", "DateSent" -> DateObject[{2014, 7, 17}, TimeObject[{19, 24, 4.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 935173.|>, <|"Date" -> DateObject[{2014, 7, 14}, TimeObject[{16, 9, 24.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Medical", "Issue" -> "Disclosure verification of debt", "SubIssue" -> "Not given enough info to verify debt", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Grant & Weber", "State" -> "CA", "ZIPCode" -> "95252", "Tags" -> "Servicemember", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 17}, TimeObject[{18, 52, 39.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 935174.|>, <|"Date" -> DateObject[{2014, 7, 14}, TimeObject[{16, 10, 0.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Payday loan", "Issue" -> "Communication tactics", "SubIssue" -> "Threatened to take legal action", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Account Discovery Systems, LLC", "State" -> "CA", "ZIPCode" -> "92392", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 17}, TimeObject[{18, 50, 44.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 936331.|>, <|"Date" -> DateObject[{2014, 7, 14}, TimeObject[{16, 10, 14.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit card", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Closing/Cancelling account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Barclays PLC", "State" -> "PA", "ZIPCode" -> "19543", "Tags" -> "Older American", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 17}, TimeObject[{18, 35, 59.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 936457.|>, <|"Date" -> DateObject[{2014, 7, 14}, TimeObject[{16, 10, 26.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional fixed mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Nationstar Mortgage", "State" -> "NY", "ZIPCode" -> "10007", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 14}, TimeObject[{16, 37, 51.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 936403.|>, <|"Date" -> DateObject[{2014, 7, 14}, TimeObject[{16, 11, 36.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Home equity loan or line of credit", "Issue" -> "Application, originator, mortgage broker", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Citibank", "State" -> "NY", "ZIPCode" -> "10035", "Tags" -> "Older American", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 17}, TimeObject[{18, 26, 54.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 935095.|>, <|"Date" -> DateObject[{2014, 7, 14}, TimeObject[{16, 12, 2.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Home equity loan or line of credit", "Issue" -> "Application, originator, mortgage broker", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "JPMorgan Chase & Co.", "State" -> "NY", "ZIPCode" -> "11706", "Tags" -> "Older American", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 17}, TimeObject[{18, 25, 18.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 935464.|>, <|"Date" -> DateObject[{2014, 7, 14}, TimeObject[{16, 17, 14.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Savings account", "Issue" -> "Account opening, closing, or management", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Ally Financial Inc.", "State" -> "TN", "ZIPCode" -> "37229", "Tags" -> "Servicemember", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Postal mail", "DateSent" -> DateObject[{2014, 7, 17}, TimeObject[{18, 38, 35.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 935808.|>, <|"Date" -> DateObject[{2014, 7, 14}, TimeObject[{16, 18, 47.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Deposits and withdrawals", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Wells Fargo & Company", "State" -> "VA", "ZIPCode" -> "23234", "Tags" -> "Older American", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Phone", "DateSent" -> DateObject[{2014, 7, 17}, TimeObject[{20, 33, 17.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 935192.|>, <|"Date" -> DateObject[{2014, 7, 14}, TimeObject[{16, 20, 58.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Nationstar Mortgage", "State" -> "MI", "ZIPCode" -> "48168", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Postal mail", "DateSent" -> DateObject[{2014, 7, 17}, TimeObject[{18, 18, 45.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 935197.|>, <|"Date" -> DateObject[{2014, 7, 14}, TimeObject[{16, 21, 1.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Payday loan", "SubProduct" -> "Payday loan", "Issue" -> "Charged fees or interest I didn't expect", "SubIssue" -> "Charged fees or interest I didn't expect", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Delbert Services", "State" -> "MI", "ZIPCode" -> "48034", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 14}, TimeObject[{16, 37, 56.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 935198.|>, <|"Date" -> DateObject[{2014, 7, 14}, TimeObject[{16, 21, 14.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Account opening, closing, or management", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "TD Bank US Holding Company", "State" -> "NJ", "ZIPCode" -> "07036", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Phone", "DateSent" -> DateObject[{2014, 7, 17}, TimeObject[{19, 26, 44.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 935199.|>, <|"Date" -> DateObject[{2014, 7, 14}, TimeObject[{16, 23, 43.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Account status", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "TransUnion Intermediate Holdings, Inc.", "State" -> "CA", "ZIPCode" -> "92117", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 14}, TimeObject[{16, 37, 57.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 936327.|>, <|"Date" -> DateObject[{2014, 7, 14}, TimeObject[{16, 29, 10.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit card", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Identity theft / Fraud / Embezzlement", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Discover", "State" -> "NY", "ZIPCode" -> "11377", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 17}, TimeObject[{19, 14, 50.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 935212.|>, <|"Date" -> DateObject[{2014, 7, 14}, TimeObject[{16, 29, 30.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Reinserted previously deleted info", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Equifax", "State" -> "CA", "ZIPCode" -> "92117", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 14}, TimeObject[{16, 37, 57.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 936328.|>, <|"Date" -> DateObject[{2014, 7, 14}, TimeObject[{16, 29, 42.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional fixed mortgage", "Issue" -> "Application, originator, mortgage broker", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Nationstar Mortgage", "State" -> "IL", "ZIPCode" -> "60156", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 14}, TimeObject[{16, 37, 58.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 935216.|>, <|"Date" -> DateObject[{2014, 7, 14}, TimeObject[{16, 30, 20.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "PNC Bank N.A.", "State" -> "NY", "ZIPCode" -> "10805", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Fax", "DateSent" -> DateObject[{2014, 7, 30}, TimeObject[{20, 44, 17.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 935219.|>, <|"Date" -> DateObject[{2014, 7, 14}, TimeObject[{16, 32, 38.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Account opening, closing, or management", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Ally Financial Inc.", "State" -> "TN", "ZIPCode" -> "37229", "Tags" -> "", "ConsumerConsent" -> "N/A", 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"CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "JPMorgan Chase & Co.", "State" -> "NY", "ZIPCode" -> "10026", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 17}, TimeObject[{20, 31, 22.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 935770.|>, <|"Date" -> DateObject[{2014, 7, 14}, TimeObject[{17, 5, 27.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Consumer Loan", "SubProduct" -> "Installment loan", "Issue" -> "Managing the loan or lease", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Concord Servicing Corporation", "State" -> "MO", "ZIPCode" -> "63146", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 8, 5}, TimeObject[{16, 58, 29.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 936467.|>, <|"Date" -> DateObject[{2014, 7, 14}, TimeObject[{17, 5, 48.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Payday loan", "Issue" -> "False statements or representation", "SubIssue" -> "Impersonated an attorney or official", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "CNG Financial Corporation", "State" -> "TX", "ZIPCode" -> "77435", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 14}, TimeObject[{17, 7, 11.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 936536.|>, <|"Date" -> DateObject[{2014, 7, 14}, TimeObject[{17, 8, 59.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Savings account", "Issue" -> "Account opening, closing, or management", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Ally Financial Inc.", "State" -> "TN", "ZIPCode" -> "37229", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Postal mail", "DateSent" -> DateObject[{2014, 7, 17}, TimeObject[{20, 6, 3.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 935810.|>, <|"Date" -> DateObject[{2014, 7, 14}, TimeObject[{17, 11, 51.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Credit card", "Issue" -> "Communication tactics", "SubIssue" -> "Called after sent written cease of comm", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "JPMorgan Chase & Co.", "State" -> "NC", "ZIPCode" -> "28805", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 14}, TimeObject[{17, 22, 10.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 935326.|>, <|"Date" -> DateObject[{2014, 7, 14}, TimeObject[{17, 16, 3.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional fixed mortgage", "Issue" -> "Application, originator, mortgage broker", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "First Choice Loan Services, Inc.", "State" -> "CA", "ZIPCode" -> "94523", "Tags" -> "Older American", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 14}, TimeObject[{17, 22, 11.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 934770.|>, <|"Date" -> DateObject[{2014, 7, 14}, TimeObject[{17, 16, 38.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Other (i.e. phone health club etc.)", "Issue" -> "Communication tactics", "SubIssue" -> "Called after sent written cease of comm", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "ResidentCollect, Inc.", "State" -> "TX", "ZIPCode" -> "77272", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 28}, TimeObject[{20, 34, 59.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 935340.|>, <|"Date" -> DateObject[{2014, 7, 14}, 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"ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Barclays PLC", "State" -> "NY", "ZIPCode" -> "11230", "Tags" -> "Older American", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Phone", "DateSent" -> DateObject[{2014, 7, 17}, TimeObject[{20, 4, 7.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 935344.|>, <|"Date" -> DateObject[{2014, 7, 14}, TimeObject[{17, 17, 52.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Payday loan", "Issue" -> "Taking/threatening an illegal action", "SubIssue" -> "Threatened arrest/jail if do not pay", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Streamline Recovery Inc", "State" -> "ME", "ZIPCode" -> "04358", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> 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-> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "PNC Bank N.A.", "State" -> "IL", "ZIPCode" -> "60447", "Tags" -> "Servicemember", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 14}, TimeObject[{17, 37, 9.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 936353.|>, <|"Date" -> DateObject[{2014, 7, 14}, TimeObject[{17, 25, 48.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Other (i.e. phone health club etc.)", "Issue" -> "Cont'd attempts collect debt not owed", "SubIssue" -> "Debt is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "FAIR COLLECTIONS & OUTSOURCING, INC.", "State" -> "CA", "ZIPCode" -> "91401", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Phone", "DateSent" -> DateObject[{2014, 7, 17}, TimeObject[{20, 20, 4.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 935372.|>, <|"Date" -> DateObject[{2014, 7, 14}, TimeObject[{17, 26, 13.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Credit reporting company's investigation", "SubIssue" -> "Problem with statement of dispute", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "TransUnion Intermediate Holdings, Inc.", "State" -> "CA", "ZIPCode" -> "92336", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 14}, TimeObject[{17, 37, 9.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" 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-> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Postal mail", "DateSent" -> DateObject[{2014, 7, 17}, TimeObject[{18, 40, 53.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 935383.|>, <|"Date" -> DateObject[{2014, 7, 14}, TimeObject[{17, 30, 9.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "I do not know", "Issue" -> "Cont'd attempts collect debt not owed", "SubIssue" -> "Debt is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Navient Solutions, Inc.", "State" -> "NM", "ZIPCode" -> "87124", "Tags" -> "Older American", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Phone", "DateSent" -> DateObject[{2014, 7, 23}, TimeObject[{13, 47, 46.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", 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"TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 935930.|>, <|"Date" -> DateObject[{2014, 7, 14}, TimeObject[{20, 58, 30.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Credit card", "Issue" -> "Cont'd attempts collect debt not owed", "SubIssue" -> "Debt is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "HSBC North America Holdings Inc.", "State" -> "NY", "ZIPCode" -> "11235", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 14}, TimeObject[{21, 7, 9.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 935931.|>, <|"Date" -> DateObject[{2014, 7, 14}, TimeObject[{21, 0, 36.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "21st Mortgage Corporation", "State" -> "CA", "ZIPCode" -> "92078", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 14}, TimeObject[{21, 7, 10.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 935936.|>, <|"Date" -> DateObject[{2014, 7, 14}, TimeObject[{21, 0, 51.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit card", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Other", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Citibank", "State" -> "MA", "ZIPCode" -> "02554", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Phone", "DateSent" -> DateObject[{2014, 7, 18}, TimeObject[{12, 34, 45.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 935938.|>, <|"Date" -> DateObject[{2014, 7, 14}, TimeObject[{21, 1, 51.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Other bank product/service", "Issue" -> "Using a debit or ATM card", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Citibank", "State" -> "WA", "ZIPCode" -> "99206", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 14}, TimeObject[{21, 7, 11.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 935941.|>, <|"Date" -> DateObject[{2014, 7, 14}, TimeObject[{21, 2, 48.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit card", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Credit card protection / Debt protection", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Synchrony Financial", "State" -> "WV", "ZIPCode" -> "26104", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 21}, TimeObject[{16, 7, 52.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 935944.|>, <|"Date" -> DateObject[{2014, 7, 14}, TimeObject[{21, 3, 25.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Medical", "Issue" -> "Cont'd attempts collect debt not owed", "SubIssue" -> "Debt was paid", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Stellar Recovery Inc.", "State" -> "CA", "ZIPCode" -> "93906", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 14}, TimeObject[{21, 7, 12.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 935946.|>, <|"Date" -> DateObject[{2014, 7, 14}, TimeObject[{21, 5, 17.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional fixed mortgage", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Nationstar Mortgage", "State" -> "TN", "ZIPCode" -> "37604", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Phone", "DateSent" -> DateObject[{2014, 7, 18}, TimeObject[{14, 24, 10.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 935953.|>, <|"Date" -> DateObject[{2014, 7, 14}, TimeObject[{21, 6, 7.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Credit monitoring or identity protection", "SubIssue" -> "Problem with fraud alerts", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Equifax", "State" -> "MD", "ZIPCode" -> "21236", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 14}, TimeObject[{21, 7, 13.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 935894.|>, <|"Date" -> DateObject[{2014, 7, 14}, TimeObject[{21, 7, 53.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Improper use of my credit report", "SubIssue" -> "Report improperly shared by CRC", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "TransUnion Intermediate Holdings, Inc.", "State" -> "KY", "ZIPCode" -> "40216", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 14}, TimeObject[{21, 22, 9.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 936514.|>, <|"Date" -> DateObject[{2014, 7, 14}, TimeObject[{21, 15, 25.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Information is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Experian", "State" -> "CA", "ZIPCode" -> "93444", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Postal mail", "DateSent" -> DateObject[{2014, 7, 24}, TimeObject[{16, 54, 53.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 936263.|>, <|"Date" -> DateObject[{2014, 7, 14}, TimeObject[{21, 17, 30.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Improper use of my credit report", "SubIssue" -> "Report improperly shared by CRC", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Experian", "State" -> "KY", "ZIPCode" -> "40216", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 18}, TimeObject[{13, 18, 23.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 936515.|>, <|"Date" -> DateObject[{2014, 7, 14}, TimeObject[{21, 17, 44.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Other bank product/service", "Issue" -> "Account opening, closing, or management", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "First Data Corporation", "State" -> "GA", "ZIPCode" -> "30187", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Phone", "DateSent" -> DateObject[{2014, 7, 18}, TimeObject[{15, 9, 28.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 935976.|>, <|"Date" -> DateObject[{2014, 7, 14}, TimeObject[{21, 18, 10.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Other (i.e. phone health club etc.)", "Issue" -> "False statements or representation", "SubIssue" -> "Attempted to collect wrong amount", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Credit Protection Association, L.P.", "State" -> "CA", "ZIPCode" -> "91607", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 14}, TimeObject[{21, 22, 13.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 935978.|>, <|"Date" -> DateObject[{2014, 7, 14}, TimeObject[{21, 18, 35.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "FHA mortgage", "Issue" -> "Application, originator, mortgage broker", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "1st Alliance Lending", "State" -> "CA", "ZIPCode" -> "95823", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 14}, TimeObject[{21, 22, 13.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 936287.|>, <|"Date" -> DateObject[{2014, 7, 14}, TimeObject[{21, 20, 57.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Money transfers", "SubProduct" -> "Domestic (US) money transfer", "Issue" -> "Fraud or scam", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "MoneyGram", "State" -> "VA", "ZIPCode" -> "22314", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Fax", "DateSent" -> DateObject[{2014, 7, 18}, TimeObject[{12, 53, 53.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 935985.|>, <|"Date" -> DateObject[{2014, 7, 14}, TimeObject[{21, 22, 59.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Information is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Experian", "State" -> "CA", "ZIPCode" -> "92101", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 8, 15}, TimeObject[{13, 0, 59.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 935991.|>, <|"Date" -> DateObject[{2014, 7, 14}, TimeObject[{21, 24, 1.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Account status", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Equifax", "State" -> "CA", "ZIPCode" -> "92081", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 18}, TimeObject[{13, 30, 34.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> Missing["NotApplicable"], "ComplaintID" -> 935993.|>, <|"Date" -> DateObject[{2014, 7, 14}, TimeObject[{21, 24, 20.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Unable to get credit report/credit score", "SubIssue" -> "Problem getting my free annual report", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Equifax", "State" -> "CA", "ZIPCode" -> "90303", "Tags" -> "Older American", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 14}, TimeObject[{21, 37, 6.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 935994.|>, <|"Date" -> DateObject[{2014, 7, 14}, TimeObject[{21, 25, 31.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Account status", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Experian", "State" -> "AZ", "ZIPCode" -> "85392", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 14}, TimeObject[{21, 37, 7.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 936440.|>, <|"Date" -> DateObject[{2014, 7, 14}, TimeObject[{21, 26, 6.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Other (i.e. phone health club etc.)", "Issue" -> "Communication tactics", "SubIssue" -> "Frequent or repeated calls", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Encore Capital Group", "State" -> "CA", "ZIPCode" -> "92111", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 14}, TimeObject[{21, 37, 8.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 935997.|>, <|"Date" -> DateObject[{2014, 7, 14}, TimeObject[{21, 27, 11.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Credit card", "Issue" -> "False statements or representation", "SubIssue" -> "Indicated committed crime not paying", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Portfolio Recovery Associates, Inc.", "State" -> "CA", "ZIPCode" -> "91730", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 14}, TimeObject[{21, 37, 8.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 935999.|>, <|"Date" -> DateObject[{2014, 7, 14}, TimeObject[{21, 28, 14.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional fixed mortgage", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Ditech Financial LLC", "State" -> "FL", "ZIPCode" -> "32225", "Tags" -> "Older American", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 14}, TimeObject[{21, 37, 9.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 936001.|>, <|"Date" -> DateObject[{2014, 7, 14}, TimeObject[{21, 29, 11.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Problems caused by my funds being low", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "PNC Bank N.A.", "State" -> "PA", "ZIPCode" -> "19126", "Tags" -> "Older American", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Postal mail", "DateSent" -> DateObject[{2014, 7, 18}, TimeObject[{12, 52, 39.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 936437.|>, <|"Date" -> DateObject[{2014, 7, 14}, TimeObject[{21, 31, 22.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Other (i.e. phone health club etc.)", "Issue" -> "Cont'd attempts collect debt not owed", "SubIssue" -> "Debt is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "World Acceptance Corporation", "State" -> "TN", "ZIPCode" -> "37027", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 18}, TimeObject[{13, 6, 39.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 936010.|>, <|"Date" -> DateObject[{2014, 7, 14}, TimeObject[{21, 31, 52.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Account status", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Equifax", "State" -> "CO", "ZIPCode" -> "81521", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 14}, TimeObject[{21, 37, 10.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 936014.|>, <|"Date" -> DateObject[{2014, 7, 14}, TimeObject[{21, 32, 4.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Credit reporting company's investigation", "SubIssue" -> "Inadequate help over the phone", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Equifax", "State" -> "OH", "ZIPCode" -> "43054", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 14}, TimeObject[{21, 37, 11.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 936018.|>, <|"Date" -> DateObject[{2014, 7, 14}, TimeObject[{21, 32, 46.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional fixed mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Select Portfolio Servicing, Inc", "State" -> "NY", "ZIPCode" -> "11421", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Phone", "DateSent" -> DateObject[{2014, 7, 21}, TimeObject[{18, 56, 47.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 936019.|>, <|"Date" -> DateObject[{2014, 7, 14}, TimeObject[{21, 35, 37.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "FHA mortgage", "Issue" -> "Application, originator, mortgage broker", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Loan Care", "State" -> "CA", "ZIPCode" -> "95823", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 14}, TimeObject[{21, 37, 12.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 936288.|>, <|"Date" -> 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-> "Como Law Firm P.A.", "State" -> "MN", "ZIPCode" -> "55438", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 14}, TimeObject[{22, 52, 6.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "No", "ConsumerDisputed" -> Missing["NotApplicable"], "ComplaintID" -> 936489.|>, <|"Date" -> DateObject[{2014, 7, 14}, TimeObject[{22, 46, 36.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Payday loan", "SubProduct" -> "Payday loan", "Issue" -> "Charged fees or interest I didn't expect", "SubIssue" -> "Charged fees or interest I didn't expect", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Security Finance", "State" -> "MN", "ZIPCode" -> "55810", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 18}, TimeObject[{15, 11, 31.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 936127.|>, <|"Date" -> DateObject[{2014, 7, 14}, TimeObject[{22, 47, 47.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Credit reporting company's investigation", "SubIssue" -> "No notice of investigation status/result", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "TransUnion Intermediate Holdings, Inc.", "State" -> "NY", "ZIPCode" -> "10456", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Postal mail", "DateSent" -> DateObject[{2014, 7, 18}, TimeObject[{15, 6, 19.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 936447.|>, <|"Date" -> DateObject[{2014, 7, 14}, TimeObject[{22, 48, 10.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Payday loan", "Issue" -> "Taking/threatening an illegal action", "SubIssue" -> "Threatened arrest/jail if do not pay", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Enova International, Inc.", "State" -> "PA", "ZIPCode" -> "16101", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 14}, TimeObject[{22, 52, 8.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 936542.|>, <|"Date" -> DateObject[{2014, 7, 14}, TimeObject[{22, 48, 33.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Account opening, closing, or management", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], 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52, 8.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "No", "ConsumerDisputed" -> Missing["NotApplicable"], "ComplaintID" -> 936284.|>, <|"Date" -> DateObject[{2014, 7, 14}, TimeObject[{22, 53, 25.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Reverse mortgage", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "CIT Bank National Association", "State" -> "CA", "ZIPCode" -> "94131", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 14}, TimeObject[{23, 7, 6.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 936133.|>, <|"Date" -> DateObject[{2014, 7, 14}, TimeObject[{22, 56, 30.}, 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"Company" -> "Enhanced Acquisitions, LLC", "State" -> "IL", "ZIPCode" -> "61109", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 15}, TimeObject[{16, 7, 7.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 937321.|>, <|"Date" -> DateObject[{2014, 7, 15}, TimeObject[{15, 58, 30.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "VA mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "JPMorgan Chase & Co.", "State" -> "CO", "ZIPCode" -> "80831", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 18}, TimeObject[{18, 54, 3.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> 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Hanna & Associates, P.C.", "State" -> "GA", "ZIPCode" -> "30041", "Tags" -> "Older American", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 31}, TimeObject[{11, 53, 50.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 938551.|>, <|"Date" -> DateObject[{2014, 7, 15}, TimeObject[{15, 59, 31.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Deposits and withdrawals", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "U.S. Bancorp", "State" -> "IL", "ZIPCode" -> "60617", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 18}, TimeObject[{19, 45, 32.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> 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"ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 15}, TimeObject[{16, 37, 9.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 938494.|>, <|"Date" -> DateObject[{2014, 7, 15}, TimeObject[{16, 30, 20.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "(CD) Certificate of deposit", "Issue" -> "Account opening, closing, or management", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Citizens Financial Group, Inc.", "State" -> "CT", "ZIPCode" -> "06385", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 18}, TimeObject[{17, 33, 50.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> 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"ConsumerDisputed" -> "No", "ComplaintID" -> 937415.|>, <|"Date" -> DateObject[{2014, 7, 15}, TimeObject[{16, 40, 22.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Credit reporting company's investigation", "SubIssue" -> "Investigation took too long", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Equifax", "State" -> "GA", "ZIPCode" -> "30143", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 15}, TimeObject[{16, 52, 7.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 938477.|>, <|"Date" -> DateObject[{2014, 7, 15}, TimeObject[{16, 40, 46.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Other mortgage", "Issue" -> "Credit decision / Underwriting", 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"ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 15}, TimeObject[{17, 7, 10.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 937367.|>, <|"Date" -> DateObject[{2014, 7, 15}, TimeObject[{17, 4, 48.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "FHA mortgage", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Bank of America", "State" -> "TX", "ZIPCode" -> "75104", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 15}, TimeObject[{17, 7, 10.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 938660.|>, <|"Date" -> DateObject[{2014, 7, 15}, TimeObject[{17, 5, 11.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Account status", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "TransUnion Intermediate Holdings, Inc.", "State" -> "NJ", "ZIPCode" -> "07086", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 18}, TimeObject[{18, 45, 45.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 936855.|>, <|"Date" -> DateObject[{2014, 7, 15}, TimeObject[{17, 5, 24.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or service", "SubProduct" -> "Checking account", "Issue" -> "Account opening, closing, or management", 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with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 937493.|>, <|"Date" -> DateObject[{2014, 7, 15}, TimeObject[{17, 12, 44.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Other (i.e. phone health club etc.)", "Issue" -> "Disclosure verification of debt", "SubIssue" -> "Right to dispute notice not received", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "ERC", "State" -> "TX", "ZIPCode" -> "77045", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 15}, TimeObject[{17, 22, 9.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 938545.|>, <|"Date" -> DateObject[{2014, 7, 15}, TimeObject[{17, 14, 44.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Bank account or 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-> "Closed with non-monetary relief", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 936872.|>, <|"Date" -> DateObject[{2014, 7, 15}, TimeObject[{17, 18, 24.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional fixed mortgage", "Issue" -> "Settlement process and costs", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Bayview Loan Servicing, LLC", "State" -> "AZ", "ZIPCode" -> "85383", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 15}, TimeObject[{17, 22, 12.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 937504.|>, <|"Date" -> DateObject[{2014, 7, 15}, TimeObject[{17, 20, 14.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", 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Missing["NotApplicable"], "Company" -> "Platinum Holdings Group, LLC", "State" -> "CT", "ZIPCode" -> "06484", "Tags" -> "Older American", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 24}, TimeObject[{17, 19, 50.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 937519.|>, <|"Date" -> DateObject[{2014, 7, 15}, TimeObject[{17, 26, 48.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional fixed mortgage", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Bayview Loan Servicing, LLC", "State" -> "CA", "ZIPCode" -> "92553", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 15}, TimeObject[{17, 37, 7.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 937522.|>, <|"Date" -> DateObject[{2014, 7, 15}, TimeObject[{17, 32, 14.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "I do not know", "Issue" -> "Communication tactics", "SubIssue" -> "Frequent or repeated calls", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Citibank", "State" -> "NY", "ZIPCode" -> "10065", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 22}, TimeObject[{16, 42, 26.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 937531.|>, <|"Date" -> DateObject[{2014, 7, 15}, TimeObject[{17, 34, 8.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> 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Missing["NotApplicable"], "Company" -> "Select Portfolio Servicing, Inc", "State" -> "FL", "ZIPCode" -> "33050", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 18}, TimeObject[{20, 17, 56.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 938666.|>, <|"Date" -> DateObject[{2014, 7, 15}, TimeObject[{18, 47, 55.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Credit reporting company's investigation", "SubIssue" -> "Problem with statement of dispute", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Experian", "State" -> "ME", "ZIPCode" -> "04090", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 15}, TimeObject[{18, 52, 10.}, 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Missing["NotApplicable"], "Company" -> "Ford Motor Credit Company", "State" -> "OK", "ZIPCode" -> "74011", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 18}, TimeObject[{19, 10, 13.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 937739.|>, <|"Date" -> DateObject[{2014, 7, 15}, TimeObject[{18, 55, 2.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Home equity loan or line of credit", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "PNC Bank N.A.", "State" -> "UT", "ZIPCode" -> "84045", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 18}, TimeObject[{18, 58, 29.}, TimeZone 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"Issue" -> "Disclosure verification of debt", "SubIssue" -> "Right to dispute notice not received", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "AllianceOne Recievables Management", "State" -> "WA", "ZIPCode" -> "98632", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 15}, TimeObject[{19, 7, 15.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 937768.|>, <|"Date" -> DateObject[{2014, 7, 15}, TimeObject[{19, 8, 36.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Unable to get credit report/credit score", "SubIssue" -> "Problem getting my free annual report", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> 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collection", "SubProduct" -> "Credit card", "Issue" -> "Communication tactics", "SubIssue" -> "Threatened to take legal action", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Everest Receivable Services Inc.", "State" -> "OH", "ZIPCode" -> "43612", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 17}, TimeObject[{14, 22, 7.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 941298.|>, <|"Date" -> DateObject[{2014, 7, 17}, TimeObject[{14, 14, 24.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional fixed mortgage", "Issue" -> "Loan servicing, payments, escrow account", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Bank of America", "State" -> "PA", "ZIPCode" -> "18466", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 17}, TimeObject[{14, 22, 8.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 941307.|>, <|"Date" -> DateObject[{2014, 7, 17}, TimeObject[{14, 16, 42.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Home equity loan or line of credit", "Issue" -> "Application, originator, mortgage broker", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Citizens Financial Group, Inc.", "State" -> "PA", "ZIPCode" -> "19040", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 17}, TimeObject[{14, 22, 9.}, TimeZone -> -5.], TimeZone -> -5.], 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Missing["NotApplicable"], "Company" -> "Ocwen", "State" -> "LA", "ZIPCode" -> "70360", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 17}, TimeObject[{14, 37, 16.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 942679.|>, <|"Date" -> DateObject[{2014, 7, 17}, TimeObject[{14, 28, 42.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Consumer Loan", "SubProduct" -> "Vehicle loan", "Issue" -> "Managing the loan or lease", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Santander Consumer USA Holdings Inc", "State" -> "NY", "ZIPCode" -> "14075", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 22}, TimeObject[{15, 45, 39.}, TimeZone -> -5.], TimeZone -> -5.], 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TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "Yes", "ComplaintID" -> 941359.|>, <|"Date" -> DateObject[{2014, 7, 17}, TimeObject[{14, 44, 29.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Credit reporting company's investigation", "SubIssue" -> "Problem with statement of dispute", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Experian", "State" -> "FL", "ZIPCode" -> "33467", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 17}, TimeObject[{14, 52, 13.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 942813.|>, <|"Date" -> DateObject[{2014, 7, 17}, TimeObject[{14, 45, 18.}, TimeZone -> -5.], TimeZone -> -5.], 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-> "Can't stop charges to bank account", "SubIssue" -> "Can't stop charges to bank account", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Advance America, Cash Advance Centers, Inc.", "State" -> "WI", "ZIPCode" -> "53144", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 17}, TimeObject[{18, 37, 17.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 941929.|>, <|"Date" -> DateObject[{2014, 7, 17}, TimeObject[{18, 37, 57.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Public record", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "TransUnion Intermediate Holdings, Inc.", "State" -> "FL", "ZIPCode" -> "32234", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 24}, TimeObject[{21, 1, 2.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> Missing["NotApplicable"], "ComplaintID" -> 941940.|>, <|"Date" -> DateObject[{2014, 7, 17}, TimeObject[{18, 39, 11.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit card", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Payoff process", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "JPMorgan Chase & Co.", "State" -> "MI", "ZIPCode" -> "49854", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 17}, TimeObject[{18, 52, 25.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 941941.|>, <|"Date" -> DateObject[{2014, 7, 17}, TimeObject[{18, 39, 18.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Student loan", "SubProduct" -> "Non-federal student loan", "Issue" -> "Can't repay my loan", "SubIssue" -> "Can't decrease my monthly payments", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Navient Solutions, Inc.", "State" -> "MA", "ZIPCode" -> "01930", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 17}, TimeObject[{18, 52, 24.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 941713.|>, <|"Date" -> DateObject[{2014, 7, 17}, TimeObject[{18, 42, 17.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Medical", "Issue" -> "Communication tactics", "SubIssue" -> "Threatened to take legal action", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Thunderbird Collection Specialists, Inc.", "State" -> "AZ", "ZIPCode" -> "85021", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 17}, TimeObject[{18, 52, 27.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 941950.|>, <|"Date" -> DateObject[{2014, 7, 17}, TimeObject[{18, 44, 39.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Federal student loan", "Issue" -> "Communication tactics", "SubIssue" -> "Frequent or repeated calls", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Student Assistance Foundation", "State" -> "CA", "ZIPCode" -> "95776", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 17}, TimeObject[{18, 52, 28.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 941955.|>, <|"Date" -> DateObject[{2014, 7, 17}, TimeObject[{18, 46, 8.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Credit reporting", "SubProduct" -> Missing["NotApplicable"], "Issue" -> "Incorrect information on credit report", "SubIssue" -> "Account status", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "TransUnion Intermediate Holdings, Inc.", "State" -> "NY", "ZIPCode" -> "11429", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 8, 4}, TimeObject[{18, 9, 22.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with 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Missing["NotApplicable"], "Issue" -> "Identity theft / Fraud / Embezzlement", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Capital One", "State" -> "CA", "ZIPCode" -> "90042", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 17}, TimeObject[{18, 52, 29.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 941839.|>, <|"Date" -> DateObject[{2014, 7, 17}, TimeObject[{18, 53, 16.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "Other (i.e. phone health club etc.)", "Issue" -> "Disclosure verification of debt", "SubIssue" -> "Right to dispute notice not received", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "National Credit Systems,Inc.", "State" -> "SC", "ZIPCode" -> "29579", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 17}, TimeObject[{19, 7, 10.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 941979.|>, <|"Date" -> DateObject[{2014, 7, 17}, TimeObject[{18, 55, 29.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", "SubProduct" -> "Conventional fixed mortgage", "Issue" -> "Loan modification,collection,foreclosure", "SubIssue" -> Missing["NotApplicable"], "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Wells Fargo & Company", "State" -> "CA", "ZIPCode" -> "93257", "Tags" -> "", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Referral", "DateSent" -> DateObject[{2014, 7, 17}, TimeObject[{19, 4, 21.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 941986.|>, <|"Date" -> DateObject[{2014, 7, 17}, TimeObject[{18, 55, 56.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Debt collection", "SubProduct" -> "I do not know", "Issue" -> "Cont'd attempts collect debt not owed", "SubIssue" -> "Debt is not mine", "ComplaintNarrative" -> Missing["NotApplicable"], "CompanyPublicResponse" -> Missing["NotApplicable"], "Company" -> "Encore Capital Group", "State" -> "CA", "ZIPCode" -> "93701", "Tags" -> "Older American, Servicemember", "ConsumerConsent" -> "N/A", "SubmittedVia" -> "Web", "DateSent" -> DateObject[{2014, 7, 17}, TimeObject[{19, 7, 11.}, TimeZone -> -5.], TimeZone -> -5.], "CompanyResponse" -> "Closed with explanation", "TimelyResponse" -> "Yes", "ConsumerDisputed" -> "No", "ComplaintID" -> 941989.|>, <|"Date" -> DateObject[{2014, 7, 17}, TimeObject[{18, 56, 15.}, TimeZone -> -5.], TimeZone -> -5.], "Product" -> "Mortgage", 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