{"generated": "2026-09-27", "cfpb": {"dataset": "CFPB Consumer Complaint Database (narratives archive, Mar-Jul 2026)", "n_test": 600, "n_val": 400, "n_train_text": 3300, "history_rows": 2473972, "labels": {"checking_savings": "Checking or savings account", "credit_card": "Credit card", "credit_reporting": "Credit reporting or other personal consumer reports", "debt_collection": "Debt collection", "debt_mgmt": "Debt or credit management", "money_transfer": "Money transfer, virtual currency, or money service", "mortgage": "Mortgage", "payday_personal": "Payday loan, title loan, personal loan, or advance loan", "prepaid_card": "Prepaid card", "student_loan": "Student loan", "vehicle_loan": "Vehicle loan or lease"}, "arms": {"text": {"local_acc": 0.58, "frontier": [{"target": 0.0, "sent": 0.0, "acc": 0.58}, {"target": 0.05, "sent": 0.027, "acc": 0.5883}, {"target": 0.1, "sent": 0.075, "acc": 0.5967}, {"target": 0.15, "sent": 0.127, "acc": 0.6167}, {"target": 0.2, "sent": 0.165, "acc": 0.6283}, {"target": 0.25, "sent": 0.24, "acc": 0.6433}, {"target": 0.3, "sent": 0.317, "acc": 0.6667}, {"target": 0.35, "sent": 0.385, "acc": 0.67}, {"target": 0.4, "sent": 0.452, "acc": 0.6833}, {"target": 0.45, "sent": 0.505, "acc": 0.6967}, {"target": 0.5, "sent": 0.572, "acc": 0.705}, {"target": 0.55, "sent": 0.607, "acc": 0.71}, {"target": 0.6, "sent": 0.677, "acc": 0.7167}]}, "count": {"local_acc": 0.6817, "frontier": [{"target": 0.0, "sent": 0.0, "acc": 0.6817}, {"target": 0.05, "sent": 0.068, "acc": 0.7083}, {"target": 0.1, "sent": 0.103, "acc": 0.7117}, {"target": 0.15, "sent": 0.183, "acc": 0.725}, {"target": 0.2, "sent": 0.248, "acc": 0.735}, {"target": 0.25, "sent": 0.313, "acc": 0.7383}, {"target": 0.3, "sent": 0.355, "acc": 0.7417}, {"target": 0.35, "sent": 0.422, "acc": 0.7333}, {"target": 0.4, "sent": 0.453, "acc": 0.73}, {"target": 0.45, "sent": 0.493, "acc": 0.7267}, {"target": 0.5, "sent": 0.565, "acc": 0.725}, {"target": 0.55, "sent": 0.605, "acc": 0.7333}, {"target": 0.6, "sent": 0.638, "acc": 0.73}]}, "kge": {"local_acc": 0.6317, "frontier": [{"target": 0.0, "sent": 0.0, "acc": 0.6317}, {"target": 0.05, "sent": 0.063, "acc": 0.645}, {"target": 0.1, "sent": 0.122, "acc": 0.6633}, {"target": 0.15, "sent": 0.2, "acc": 0.6833}, {"target": 0.2, "sent": 0.26, "acc": 0.6917}, {"target": 0.25, "sent": 0.313, "acc": 0.7133}, {"target": 0.3, "sent": 0.375, "acc": 0.72}, {"target": 0.35, "sent": 0.407, "acc": 0.7217}, {"target": 0.4, "sent": 0.468, "acc": 0.7267}, {"target": 0.45, "sent": 0.527, "acc": 0.7283}, {"target": 0.5, "sent": 0.555, "acc": 0.725}, {"target": 0.55, "sent": 0.633, "acc": 0.7267}, {"target": 0.6, "sent": 0.677, "acc": 0.7267}]}, "both": {"local_acc": 0.6867, "frontier": [{"target": 0.0, "sent": 0.0, "acc": 0.6867}, {"target": 0.05, "sent": 0.085, "acc": 0.71}, {"target": 0.1, "sent": 0.128, "acc": 0.72}, {"target": 0.15, "sent": 0.173, "acc": 0.7317}, {"target": 0.2, "sent": 0.262, "acc": 0.745}, {"target": 0.25, "sent": 0.312, "acc": 0.7467}, {"target": 0.3, "sent": 0.378, "acc": 0.75}, {"target": 0.35, "sent": 0.41, "acc": 0.745}, {"target": 0.4, "sent": 0.447, "acc": 0.7417}, {"target": 0.45, "sent": 0.497, "acc": 0.74}, {"target": 0.5, "sent": 0.558, "acc": 0.7367}, {"target": 0.55, "sent": 0.615, "acc": 0.7333}, {"target": 0.6, "sent": 0.645, "acc": 0.735}]}}, "jev": {"text": 0.7183, "company": 0.745, "text_x_count": 0.747, "mean_tokens": 912}, "items": [{"id": "24732379", "company": "TRANSUNION INTERMEDIATE HOLDINGS, INC.", "text": "There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.", "gold": "debt_collection", "typesafe": [["credit_reporting", 0.924], ["debt_collection", 0.071], ["debt_mgmt", 0.002]], "count_prior": [["credit_reporting", 0.995], ["debt_collection", 0.004], ["credit_card", 0.001]], "kge_prior": [["debt_collection", 0.172], ["checking_savings", 0.122], ["credit_reporting", 0.107]], "with_count": [["credit_reporting", 1.0], ["debt_collection", 0.0], ["credit_card", 0.0]], "with_both": [["credit_reporting", 1.0], ["debt_collection", 0.0], ["credit_card", 0.0]], "jev_text": "credit_reporting", "jev_company": "credit_reporting"}, {"id": "24117408", "company": "Chime Financial Inc", "text": "Chime Dispute No. XXXX My cards were lost in XX/XX/XXXX. I filed a police report and an identity theft report. I had not used my Chime card since XX/XX/XXXX and only recently used it to make a small transfer after an additional unknown deposit was made to the account, to prevent the funds from being spent. This small transfer occurred on XX/XX/XXXX after I submitted the claim. I discovered the unauthorized activity the evening of XX/XX/XXXX when realizing my Chime card was missing. Chime is not my primary institution, so I did not prioritize it when the cards were lost. I went into the Chime app to request a replacement card and it was then that I found the transactions. I did not authorize ", "gold": "checking_savings", "typesafe": [["prepaid_card", 0.592], ["money_transfer", 0.278], ["checking_savings", 0.08]], "count_prior": [["checking_savings", 0.682], ["money_transfer", 0.143], ["credit_card", 0.083]], "kge_prior": [["prepaid_card", 0.174], ["credit_card", 0.149], ["checking_savings", 0.128]], "with_count": [["checking_savings", 0.725], ["money_transfer", 0.242], ["prepaid_card", 0.017]], "with_both": [["checking_savings", 0.72], ["money_transfer", 0.238], ["prepaid_card", 0.022]], "jev_text": "checking_savings", "jev_company": "checking_savings"}, {"id": "23915690", "company": "UNITED SERVICES AUTOMOBILE ASSOCIATION", "text": "On XXXX, I initiated a Domestic wire transfer to make a down payment on a car. The dealership is one that specializes on selling XXXX XXXX care to XXXX military personal overseas. It was a XXXX XXXX. the amount was for {$16000.00}. I followed the directions given to me by the dealership to use an intermediary bank to get the money transferred to the final account. The intermediary bank being XXXX XXXX out of XXXX and the final account being XXXX XXXX XXXX. The money left my account on XXXX. I was then informed by the dealership that despite the money leaving my account, the money never showed up on theirs. After call USAA, ended up finding out that the directions weren't sufficient and I end", "gold": "money_transfer", "typesafe": [["vehicle_loan", 0.529], ["checking_savings", 0.155], ["money_transfer", 0.142]], "count_prior": [["checking_savings", 0.48], ["credit_reporting", 0.188], ["credit_card", 0.135]], "kge_prior": [["debt_collection", 0.154], ["money_transfer", 0.146], ["credit_card", 0.134]], "with_count": [["checking_savings", 0.883], ["vehicle_loan", 0.062], ["money_transfer", 0.032]], "with_both": [["checking_savings", 0.883], ["vehicle_loan", 0.058], ["money_transfer", 0.036]], "jev_text": "money_transfer", "jev_company": "money_transfer"}, {"id": "24147811", "company": "CAPITAL ONE FINANCIAL CORPORATION", "text": "Loan start date : XX/XX/XXXX Date of loss : XX/XX/XXXX Capital One financed my auto loan in XX/XX/XXXX. The dealership mistakenly listed the wrong lienholder on the title. Capital One had the loan for over a year and never corrected the lien. On XX/XX/XXXX, my vehicle was declared a total loss. My insurance company was ready to pay the settlement immediately but could not legally do so because Capital One was not listed as the lienholder. Because Capital One failed to perfect the lien, I was forced to continue making monthly payments and interest for four months on a vehicle that no longer existed. The incorrect lienholder even told Capital One exactly what documents were needed to fix the t", "gold": "vehicle_loan", "typesafe": [["vehicle_loan", 0.937], ["mortgage", 0.044], ["student_loan", 0.009]], "count_prior": [["credit_card", 0.387], ["credit_reporting", 0.329], ["debt_collection", 0.123]], "kge_prior": [["prepaid_card", 0.13], ["credit_card", 0.113], ["money_transfer", 0.112]], "with_count": [["vehicle_loan", 0.942], ["credit_card", 0.048], ["credit_reporting", 0.004]], "with_both": [["vehicle_loan", 0.938], ["credit_card", 0.054], ["credit_reporting", 0.003]], "jev_text": "vehicle_loan", "jev_company": "vehicle_loan"}, {"id": "23953622", "company": "PNC Bank N.A.", "text": "I am a XXXX consumer who has been paying on a closed PNC credit card for XXXX years. I recently discovered that I have no record of ever opening this account, making it a fraudulent account opened via identity theft. When I called PNC Bank to address this, the customer service representative was rude, obnoxious, and hung up on me. PNC Bank is failing to investigate identity theft, refusing to provide written notices, and taking money from a XXXX individual for an account they did not open.", "gold": "credit_card", "typesafe": [["credit_card", 0.387], ["prepaid_card", 0.236], ["checking_savings", 0.222]], "count_prior": [["checking_savings", 0.545], ["mortgage", 0.119], ["credit_reporting", 0.1]], "kge_prior": [["money_transfer", 0.146], ["mortgage", 0.146], ["credit_reporting", 0.119]], "with_count": [["checking_savings", 0.908], ["credit_card", 0.07], ["money_transfer", 0.009]], "with_both": [["checking_savings", 0.894], ["credit_card", 0.074], ["money_transfer", 0.015]], "jev_text": "credit_card", "jev_company": "credit_card"}, {"id": "24179827", "company": "T.S. Holdings", "text": "The lady screamed over the phone at me to get my credit card out right now right now she repeated she said I dont care if its a XXXX or XXXX get it out of your wallet right now and pay it!!! after trying to get a breakdown of the fees because I feel like theres a lot of illegal fees she told me goodbye. Dont call back, which I have on recording. I now can no longer contact the collection company to pay my debt.", "gold": "debt_collection", "typesafe": [["debt_mgmt", 0.485], ["credit_card", 0.173], ["prepaid_card", 0.134]], "count_prior": [["debt_collection", 0.841], ["credit_reporting", 0.155], ["debt_mgmt", 0.004]], "kge_prior": [["debt_collection", 0.461], ["credit_reporting", 0.268], ["debt_mgmt", 0.242]], "with_count": [["debt_collection", 0.993], ["credit_reporting", 0.005], ["debt_mgmt", 0.003]], "with_both": [["debt_collection", 0.996], ["credit_reporting", 0.003], ["debt_mgmt", 0.001]], "jev_text": "debt_collection", "jev_company": "debt_collection"}, {"id": "23951056", "company": "ALLY FINANCIAL INC.", "text": "On XX/XX/year>, I purchased the XXXX XXXXXXXX XXXX XXXX and was promised to get a {$7500.00} government encentive at the end of the year, and which I found out that it's a misrepresentation. I put down {$8000.00} for a down payment and in the sales contract, they only put {$560.00} and told me that the money went to the XXXX XXXX XXXX XXXX XXXX trade-in, and the rest of the {$8000.00} down payment went to the depreciation from the XXXX XXXX, which is too much, and I think it's an unfair business practice.", "gold": "vehicle_loan", "typesafe": [["vehicle_loan", 0.47], ["mortgage", 0.229], ["payday_personal", 0.209]], "count_prior": [["credit_reporting", 0.379], ["vehicle_loan", 0.307], ["checking_savings", 0.157]], "kge_prior": [["debt_collection", 0.192], ["money_transfer", 0.169], ["vehicle_loan", 0.167]], "with_count": [["vehicle_loan", 0.988], ["checking_savings", 0.006], ["debt_collection", 0.003]], "with_both": [["vehicle_loan", 0.989], ["checking_savings", 0.006], ["debt_collection", 0.003]], "jev_text": "vehicle_loan", "jev_company": "vehicle_loan"}, {"id": "23843183", "company": "Airtm Inc.", "text": "CONSUMER COMPLAINT : CONCLUDED HOLD PERIOD & REFUSAL TO RECOVER ACCOUNT FOLLOWING TAKE OVER I am filing a formal complaint against Airtm Inc. for the wrongful withholding of my digital assets following the expiration of a mandatory XXXX administrative hold, as well as a failure to facilitate identity-based account recovery after a documented security breach. XXXX. Timeline of Events : On XX/XX/year>, a legitimate deposit of {$10000.00} XXXX originating from my XXXX contract earnings via XXXX was credited to my Airtm account. On XX/XX/year>, my account parameters were compromised via an unauthorized third-party email address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). The unauthoriz", "gold": "money_transfer", "typesafe": [["checking_savings", 0.303], ["money_transfer", 0.247], ["prepaid_card", 0.162]], "count_prior": [["money_transfer", 0.858], ["credit_reporting", 0.13], ["debt_collection", 0.007]], "kge_prior": [["money_transfer", 0.959], ["debt_collection", 0.02], ["checking_savings", 0.009]], "with_count": [["money_transfer", 0.998], ["credit_reporting", 0.002], ["checking_savings", 0.0]], "with_both": [["money_transfer", 1.0], ["credit_reporting", 0.0], ["checking_savings", 0.0]], "jev_text": "money_transfer", "jev_company": "money_transfer"}, {"id": "23947314", "company": "Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis", "text": "On XX/XX/XXXX, I sent this debt collector a written demand for debt validation under the Fair Debt Collection Practices Act, 15 USC Section 1692g, via USPS Certified Mail to their designated dispute address. The collector is attempting to collect {$24000.00} on an alleged rental debt. Only {$1900.00} of this amount was ever adjudicated by a court ( default judgment entered in a XXXX XXXX court on XX/XX/XXXX ). The remaining {$22000.00} has never been the subject of any court ruling and lacks documented legal basis. I demanded validation of the full amount, including the original signed lease, an itemized accounting of the {$24000.00} balance with legal authority for each added charge, a comp", "gold": "debt_collection", "typesafe": [["debt_collection", 0.928], ["debt_mgmt", 0.022], ["credit_reporting", 0.012]], "count_prior": [["debt_collection", 0.83], ["credit_reporting", 0.169], ["credit_card", 0.001]], "kge_prior": [["debt_collection", 0.567], ["credit_reporting", 0.382], ["debt_mgmt", 0.019]], "with_count": [["debt_collection", 0.999], ["credit_reporting", 0.001], ["credit_card", 0.0]], "with_both": [["debt_collection", 0.999], ["credit_reporting", 0.001], ["credit_card", 0.0]], "jev_text": "debt_collection", "jev_company": "debt_collection"}, {"id": "23936463", "company": "TD BANK US HOLDING COMPANY", "text": "Hello my name is XXXX XXXX, a TD BANK client, my account was lifted due to a problem that it was already resolved, my checking account # XXXX, i was not able to go to a branch to open a new one because right now i am on a XXXX treatment. I receive a letter from TDBank saying to me like my account its gon na be closed XXXX days after XX/XX/XXXX of this year, i just want that, TDBank close the account.", "gold": "checking_savings", "typesafe": [["checking_savings", 0.726], ["money_transfer", 0.126], ["prepaid_card", 0.059]], "count_prior": [["credit_reporting", 0.269], ["checking_savings", 0.244], ["credit_card", 0.229]], "kge_prior": [["credit_card", 0.193], ["debt_collection", 0.161], ["mortgage", 0.142]], "with_count": [["checking_savings", 0.933], ["credit_card", 0.059], ["money_transfer", 0.007]], "with_both": [["checking_savings", 0.893], ["credit_card", 0.099], ["money_transfer", 0.007]], "jev_text": "checking_savings", "jev_company": "checking_savings"}, {"id": "23743947", "company": "Portfolio Recovery Associates, LLC", "text": "I am disputing the Portfolio Recovery Associates collection account that is being reported on my credit report. Portfolio Recovery Associates is reporting a collection account with a balance of {$7800.00} allegedly originating from XXXX XXXX. I requested that the account be properly verified and that documentation be provided supporting the accuracy of the information being reported. The account continues to be reported despite the absence of documentation establishing the complete chain of assignment from the original creditor, proof of ownership of the alleged debt, documentation supporting the reported balance, and documentation supporting the reported date of first delinquency. The accou", "gold": "credit_card", "typesafe": [["debt_collection", 0.619], ["credit_reporting", 0.282], ["debt_mgmt", 0.039]], "count_prior": [["debt_collection", 0.818], ["credit_reporting", 0.175], ["credit_card", 0.005]], "kge_prior": [["debt_collection", 0.277], ["credit_card", 0.237], ["credit_reporting", 0.168]], "with_count": [["debt_collection", 0.957], ["credit_reporting", 0.043], ["credit_card", 0.0]], "with_both": [["debt_collection", 0.973], ["credit_reporting", 0.027], ["credit_card", 0.0]], "jev_text": "debt_collection", "jev_company": "debt_collection"}, {"id": "23970860", "company": "Chime Financial Inc", "text": "I am filing this formal complaint against Chime for failing to conduct a reasonable, good-faith investigation into a valid billing error dispute, relying instead on immediate automated denials to avoid processing a legitimate \" Services Not Provided '' claim. On XX/XX/year>, I was charged {$210.00} by XXXX XXXX for a XXXX digital subscription. Recently, an employee of the merchant manually restricted my account, completely revoking my access to the core features I paid for, without issuing a prorated refund. I attempted to resolve this directly with the merchant via their official support email but was completely ignored. When I inquired in their official support channels, the representative", "gold": "checking_savings", "typesafe": [["money_transfer", 0.392], ["prepaid_card", 0.213], ["checking_savings", 0.12]], "count_prior": [["checking_savings", 0.682], ["money_transfer", 0.143], ["credit_card", 0.083]], "kge_prior": [["prepaid_card", 0.174], ["credit_card", 0.149], ["checking_savings", 0.128]], "with_count": [["checking_savings", 0.739], ["money_transfer", 0.231], ["credit_card", 0.023]], "with_both": [["checking_savings", 0.737], ["money_transfer", 0.229], ["credit_card", 0.027]], "jev_text": "credit_card", "jev_company": "credit_card"}, {"id": "24196219", "company": "JPMORGAN CHASE & CO.", "text": "My name is XXXX XXXX and I am an XXXX member of the XXXX XXXX XXXX XXXX XXXX moved to XXXX due to a military order, Permanent Change of Station ( PCS ). On Saturday, XX/XX/year>, my Chase Sapphire Reserve account was unilaterally closed by Chase without my authorization or knowledge. The timeline of my account management is as follows : 1. SSN Update : Two months ago, I proactively and correctly updated my Social Security Number ( SSN ) with Chase at their branch, following a formal resolution of a shared SSN administrative error through the Social Security Administration. Chase successfully processed this update, and I had been using the account normally since then with a new SSN. 2. Unauth", "gold": "credit_card", "typesafe": [["checking_savings", 0.36], ["credit_card", 0.326], ["prepaid_card", 0.253]], "count_prior": [["checking_savings", 0.352], ["credit_card", 0.255], ["credit_reporting", 0.181]], "kge_prior": [["credit_card", 0.139], ["money_transfer", 0.12], ["prepaid_card", 0.113]], "with_count": [["checking_savings", 0.637], ["credit_card", 0.355], ["money_transfer", 0.005]], "with_both": [["checking_savings", 0.548], ["credit_card", 0.445], ["money_transfer", 0.006]], "jev_text": "credit_card", "jev_company": "credit_card"}, {"id": "24129385", "company": "GUARANTEED RATE INC.", "text": "XXXX XXXX XXXX XXXX Rate have caused me substantial financial harm through what appears to be either material misrepresentations by their servicing personnel or a systemic failure in the administration of my recast request. The documented facts demonstrate an unreasonable and unexplained delay that resulted in thousands of dollars in additional interest costs that could and should have been avoided. The loan became eligible for recast no later than XX/XX/year>, upon satisfaction of all stated eligibility requirements. During my first recast inquiry on XX/XX/year>, a Rate representative expressly confirmed that the loan was eligible and advised that the necessary documentation would be provid", "gold": "mortgage", "typesafe": [["mortgage", 0.631], ["student_loan", 0.149], ["payday_personal", 0.103]], "count_prior": [["mortgage", 0.964], ["debt_collection", 0.025], ["credit_reporting", 0.011]], "kge_prior": [["mortgage", 0.904], ["credit_reporting", 0.029], ["debt_collection", 0.027]], "with_count": [["mortgage", 1.0], ["debt_collection", 0.0], ["credit_reporting", 0.0]], "with_both": [["mortgage", 1.0], ["debt_collection", 0.0], ["credit_reporting", 0.0]], "jev_text": "mortgage", "jev_company": "mortgage"}, {"id": "24194156", "company": "Resurgent Capital Services L.P.", "text": "This charge popped up on my credit report. It says XXXX XXXX. There is no account number or any type of information to contact them. I have no idea who this company and suspecting this charge was open fraudulently.", "gold": "debt_collection", "typesafe": [["credit_card", 0.415], ["debt_mgmt", 0.122], ["payday_personal", 0.106]], "count_prior": [["debt_collection", 0.71], ["credit_reporting", 0.274], ["credit_card", 0.012]], "kge_prior": [["debt_collection", 0.275], ["credit_card", 0.187], ["credit_reporting", 0.177]], "with_count": [["debt_collection", 0.872], ["credit_reporting", 0.119], ["credit_card", 0.008]], "with_both": [["debt_collection", 0.914], ["credit_reporting", 0.08], ["credit_card", 0.006]], "jev_text": "credit_reporting", "jev_company": "credit_reporting"}, {"id": "24384504", "company": "Freedom Mortgage Company", "text": "my mortgage company Freedom Mortgage lender MLS XXXX is over charging escrow on XXXX because loan was on my husband name.. I tried to explain to them but they charging me {$4600.00} per month for XXXX interest rate.They are using my situation to make more money.I have submitted my Home insurance documents to them. they ignoring everything. I am the successor for the loan of my husband who was passed away with sudden death. Mortgage company insurance department is not helping me. I did submit the XXXX insurance to them. Can you please help me. They are not refunding the over charge but still charging me {$2600.00} extra every month above my mortgage.Every month I am calling them spending XXXX", "gold": "mortgage", "typesafe": [["mortgage", 0.961], ["payday_personal", 0.017], ["debt_mgmt", 0.009]], "count_prior": [["mortgage", 0.812], ["credit_reporting", 0.158], ["debt_collection", 0.02]], "kge_prior": [["debt_collection", 0.251], ["mortgage", 0.227], ["credit_reporting", 0.183]], "with_count": [["mortgage", 1.0], ["credit_reporting", 0.0], ["debt_mgmt", 0.0]], "with_both": [["mortgage", 1.0], ["credit_reporting", 0.0], ["debt_collection", 0.0]], "jev_text": "mortgage", "jev_company": "mortgage"}, {"id": "23809603", "company": "BANK OF AMERICA, NATIONAL ASSOCIATION", "text": "To whom it may concern, I am writing to request a full investigation, reimbursement for my documented losses, and a written explanation regarding the handling of a fraud restriction placed on my account during domestic travel on XX/XX/year>. On XX/XX/XXXX, my debit card was declined while attempting to pay for hotel accommodations. When I checked the Bank of America XXXX application, I was informed that my card had been restricted and that I needed to contact the fraud department. I made multiple attempts to contact the fraud department but was unable to obtain assistance after spending extended periods on hold. Because I could not resolve the issue by phone, I visited a Bank of America bran", "gold": "checking_savings", "typesafe": [["checking_savings", 0.533], ["credit_card", 0.202], ["prepaid_card", 0.15]], "count_prior": [["checking_savings", 0.358], ["credit_card", 0.251], ["credit_reporting", 0.191]], "kge_prior": [["credit_card", 0.118], ["money_transfer", 0.109], ["debt_collection", 0.106]], "with_count": [["checking_savings", 0.809], ["credit_card", 0.179], ["money_transfer", 0.009]], "with_both": [["checking_savings", 0.758], ["credit_card", 0.229], ["money_transfer", 0.011]], "jev_text": "checking_savings", "jev_company": "checking_savings"}, {"id": "24234775", "company": "NAVY FEDERAL CREDIT UNION", "text": "I file a dispute against Navy Federal because I was charged for a merchandise that I never received in my dispute was canceled because I did not send documents according to them on the day that they wanted me to send them in which I did send the documents that they requested in time the days that they wanted me to send I sent the first day that I file dispute was when I made a charges XX/XX/XXXX. I waited until I received the email from the company which was an automated email service that I never received merchandise from. I emailed them over and over again and never received any email back besides automatic email services, saying the same thing that I was gon na receive the item which I ne", "gold": "checking_savings", "typesafe": [["prepaid_card", 0.303], ["debt_mgmt", 0.198], ["student_loan", 0.106]], "count_prior": [["checking_savings", 0.31], ["credit_reporting", 0.287], ["debt_collection", 0.169]], "kge_prior": [["mortgage", 0.144], ["money_transfer", 0.122], ["student_loan", 0.121]], "with_count": [["checking_savings", 0.638], ["credit_card", 0.154], ["debt_collection", 0.086]], "with_both": [["checking_savings", 0.604], ["credit_card", 0.174], ["credit_reporting", 0.088]], "jev_text": "credit_card", "jev_company": "credit_card"}, {"id": "23902052", "company": "Block, Inc.", "text": "b\"I am reviewing my transaction history on cashapp and there are ALOT of unauthorized transactions on my account. Someone stole my old phone so im not sure if this is from that or what but i am missing so much money. I was saving this money and should have over XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX", "gold": "checking_savings", "typesafe": [["money_transfer", 0.891], ["checking_savings", 0.049], ["prepaid_card", 0.047]], "count_prior": [["money_transfer", 0.638], ["checking_savings", 0.245], ["prepaid_card", 0.054]], "kge_prior": [["prepaid_card", 0.201], ["payday_personal", 0.152], ["credit_card", 0.13]], "with_count": [["money_transfer", 0.986], ["checking_savings", 0.013], ["prepaid_card", 0.001]], "with_both": [["money_transfer", 0.985], ["checking_savings", 0.013], ["prepaid_card", 0.002]], "jev_text": "money_transfer", "jev_company": "money_transfer"}, {"id": "24658802", "company": "U.S. BANCORP", "text": "SECTION 1 : THE REGULATORY COMPLAINT NARRATIVE DISTINCT AND SEPARATE REGULATORY SUBMISSION DISCLAIMER : This filing stands entirely on its own merit and is strictly prohibited from being classified, merged, cross-indexed, or dismissed as a duplicate by any automated algorithm or manual review. It addresses a completely independent, current series of predatory practices, unauthorized XXXX XXXX electronic fund debits, broken written remediation terms, and abusive collections routing occurring on U.S. Bank Altitude Go Visa Signature Account Ending : XXXX. Specifically, this submission targets U.S. Bank 's retaliatory operational handling, false routing through the collections department, unfulf", "gold": "credit_card", "typesafe": [["credit_card", 0.29], ["checking_savings", 0.246], ["credit_reporting", 0.127]], "count_prior": [["checking_savings", 0.363], ["credit_card", 0.275], ["credit_reporting", 0.145]], "kge_prior": [["money_transfer", 0.137], ["credit_card", 0.12], ["prepaid_card", 0.11]], "with_count": [["checking_savings", 0.514], ["credit_card", 0.4], ["credit_reporting", 0.067]], "with_both": [["credit_card", 0.487], ["checking_savings", 0.424], ["credit_reporting", 0.072]], "jev_text": "credit_card", "jev_company": "credit_card"}, {"id": "24530121", "company": "UNITED SERVICES AUTOMOBILE ASSOCIATION", "text": "I am a USAA member and have maintained the same USAA credit card account for approximately 15 years. It is my only XXXX credit account. I have consistently paid the account on time and typically pay the balance in full. Over the past year my XXXX XXXX declined from \" Excellent '' to \" Good '' without any explanation. On XX/XX/year> XXXX notified me that I no longer had a credit score at all. I contacted USAA multiple times to request an investigation. I first contacted USAA through online chat and later by telephone on XX/XX/year>. Multiple representatives directed me to contact the credit bureau or complete a consumer dispute form rather than investigate the matter. The online dispute proce", "gold": "credit_card", "typesafe": [["credit_reporting", 0.445], ["credit_card", 0.265], ["debt_collection", 0.059]], "count_prior": [["checking_savings", 0.48], ["credit_reporting", 0.188], ["credit_card", 0.135]], "kge_prior": [["debt_collection", 0.154], ["money_transfer", 0.146], ["credit_card", 0.134]], "with_count": [["credit_reporting", 0.6], ["credit_card", 0.218], ["checking_savings", 0.15]], "with_both": [["credit_reporting", 0.55], ["credit_card", 0.246], ["checking_savings", 0.165]], "jev_text": "credit_reporting", "jev_company": "credit_reporting"}, {"id": "24148538", "company": "TRANSUNION INTERMEDIATE HOLDINGS, INC.", "text": "According to 15 usc 1681 I have the right to dispute inaccurate and unverifiable Information that's on my credit report. I disputed multiple times with credit bureaus and it's coming back as updated and verified without a proper investigation. The company failed to send me any of the information I requested even with my further complaint they never sent verification of debt, the ORIGINAL Contract bearing my signature & explanation of the amount and how it was calculated.", "gold": "debt_collection", "typesafe": [["credit_reporting", 0.439], ["debt_collection", 0.404], ["vehicle_loan", 0.049]], "count_prior": [["credit_reporting", 0.995], ["debt_collection", 0.004], ["credit_card", 0.001]], "kge_prior": [["debt_collection", 0.172], ["checking_savings", 0.122], ["credit_reporting", 0.107]], "with_count": [["credit_reporting", 1.0], ["debt_collection", 0.0], ["credit_card", 0.0]], "with_both": [["credit_reporting", 1.0], ["debt_collection", 0.0], ["credit_card", 0.0]], "jev_text": "credit_reporting", "jev_company": "credit_reporting"}, {"id": "23806960", "company": "CL Holdings LLC", "text": "To whom it may concern, Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( XXXX. ), 15 U.S.C. S 1692 ( G ) Section XXXX ( B ). This notice states that your claim is disputed and validation of the account is required. This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the F D.C.P A. laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you. Please provide me with the below mentioned items : * The amount you claim the respondent owes you * An explanation showing me how you h", "gold": "debt_collection", "typesafe": [["debt_collection", 0.918], ["credit_reporting", 0.027], ["debt_mgmt", 0.018]], "count_prior": [["debt_collection", 0.844], ["credit_reporting", 0.151], ["credit_card", 0.002]], "kge_prior": [["debt_collection", 0.258], ["credit_card", 0.207], ["credit_reporting", 0.183]], "with_count": [["debt_collection", 0.998], ["credit_reporting", 0.002], ["debt_mgmt", 0.0]], "with_both": [["debt_collection", 0.998], ["credit_reporting", 0.002], ["debt_mgmt", 0.0]], "jev_text": "debt_collection", "jev_company": "debt_collection"}, {"id": "23901913", "company": "Paypal Holdings, Inc", "text": "I am writing to formally report the unacceptable treatment and financial losses I have experienced with PayPal. Over the course of three days, I spent a significant amount of time attempting to report widespread fraudulent activity and deceitful actions by their agents. It took three days to get these cases processed because I had to keep calling back after realizing that agents were failing to dispute all of the charges as they had explicitly promised. PayPal has selectively approved refunds only for smaller amounts while denying my claims for the larger, more expensive unauthorized charges, despite the exact same pattern of fraudulent activity across all transactions. Furthermore, the game", "gold": "checking_savings", "typesafe": [["money_transfer", 0.858], ["prepaid_card", 0.047], ["checking_savings", 0.024]], "count_prior": [["money_transfer", 0.764], ["checking_savings", 0.136], ["credit_card", 0.048]], "kge_prior": [["prepaid_card", 0.198], ["money_transfer", 0.173], ["credit_card", 0.129]], "with_count": [["money_transfer", 0.997], ["checking_savings", 0.002], ["credit_card", 0.0]], "with_both": [["money_transfer", 0.999], ["checking_savings", 0.001], ["credit_card", 0.0]], "jev_text": "money_transfer", "jev_company": "money_transfer"}, {"id": "24195946", "company": "Early Warning Services, LLC", "text": "I opened a new checking account with XXXX and deposited my personal funds into the account. Shortly after opening the account, XXXX placed a restriction on my account and froze access to all of my money. I was informed that another bank was reporting a negative balance through Early Warning Services and that there was an attempt to collect the alleged debt. I dont have business with either of this company. Im now finding out about all of this XXXX has not provided me with the name of the reporting bank, the amount allegedly owed, or a clear explanation of why my funds are restricted. I have not authorized XXXX to use my funds to pay any debt owed to another financial institution. My understa", "gold": "debt_collection", "typesafe": [["checking_savings", 0.67], ["money_transfer", 0.16], ["prepaid_card", 0.053]], "count_prior": [["credit_reporting", 0.763], ["checking_savings", 0.118], ["money_transfer", 0.114]], "kge_prior": [["checking_savings", 0.242], ["money_transfer", 0.21], ["credit_reporting", 0.193]], "with_count": [["checking_savings", 0.764], ["money_transfer", 0.175], ["credit_reporting", 0.061]], "with_both": [["checking_savings", 0.792], ["money_transfer", 0.158], ["credit_reporting", 0.05]], "jev_text": "checking_savings", "jev_company": "checking_savings"}, {"id": "24516354", "company": "CREDIT ACCEPTANCE CORPORATION", "text": "I have no acknowledgment of these accounts i have XXXX XXXX on my social i have to put a XXXX XXXX pin for taxes all the time so im not sure why i have anything other then student loans", "gold": "debt_collection", "typesafe": [["student_loan", 0.785], ["debt_mgmt", 0.056], ["payday_personal", 0.041]], "count_prior": [["credit_reporting", 0.433], ["vehicle_loan", 0.353], ["debt_collection", 0.206]], "kge_prior": [["debt_collection", 0.276], ["debt_mgmt", 0.211], ["vehicle_loan", 0.21]], "with_count": [["credit_reporting", 0.642], ["debt_collection", 0.177], ["vehicle_loan", 0.177]], "with_both": [["credit_reporting", 0.563], ["debt_collection", 0.246], ["vehicle_loan", 0.187]], "jev_text": "credit_reporting", "jev_company": "debt_collection"}, {"id": "23788809", "company": "Block, Inc.", "text": "I had fraudulent charges too my account and instead of helping me they closed my account", "gold": "checking_savings", "typesafe": [["checking_savings", 0.263], ["money_transfer", 0.231], ["credit_card", 0.183]], "count_prior": [["money_transfer", 0.638], ["checking_savings", 0.245], ["prepaid_card", 0.054]], "kge_prior": [["prepaid_card", 0.201], ["payday_personal", 0.152], ["credit_card", 0.13]], "with_count": [["money_transfer", 0.77], ["checking_savings", 0.209], ["prepaid_card", 0.013]], "with_both": [["money_transfer", 0.764], ["checking_savings", 0.204], ["prepaid_card", 0.024]], "jev_text": "checking_savings", "jev_company": "credit_card"}, {"id": "24151289", "company": "AMERICAN EXPRESS COMPANY", "text": "I am a XXXX American Express cardmember . This complaint concerns {$2600.00} that American Express removed from my account XXXX days ago and has never delivered to me. The core fact. On or about XX/XX/year>, I requested a refund of a {$2600.00} credit balance on my American Express XXXX XXXX XXXX card. On XX/XX/year>, American Express debited the {$2600.00} from my account, as reflected on my statement. As of XX/XX/year>, I have never received those funds. American Express has taken the money off my account, can not tell me where it is, and has never provided a check number or an issue date despite my repeated requests. Because my account was debited, a check was necessarily generated and a ", "gold": "credit_card", "typesafe": [["prepaid_card", 0.659], ["credit_card", 0.16], ["checking_savings", 0.095]], "count_prior": [["credit_card", 0.494], ["credit_reporting", 0.246], ["debt_collection", 0.16]], "kge_prior": [["prepaid_card", 0.23], ["credit_card", 0.131], ["money_transfer", 0.122]], "with_count": [["credit_card", 0.911], ["prepaid_card", 0.066], ["checking_savings", 0.022]], "with_both": [["credit_card", 0.87], ["prepaid_card", 0.111], ["checking_savings", 0.018]], "jev_text": "credit_card", "jev_company": "credit_card"}, {"id": "23795991", "company": "JPMORGAN CHASE & CO.", "text": "I opened a personal savings account with chase bank. I then transferred $ XXXX inheritance money from my XXXX bank account with XXXX ( in XXXX payments per XXXX policy ), into my new chase account. Shortly thereafter I was informed by chase they would be closing my account due to suspicious activity. When i contacted chase fraud dept they told me there was a request from XXXX to return XXXX of the transferred amounts. I contacted XXXX several times- and they confirmed each time that no such request was made by them. Then chase said that they had tried to return the money but that XXXX had not responded and so the money was still in chase hands. XXXX has told me that Chase does not need their", "gold": "checking_savings", "typesafe": [["checking_savings", 0.727], ["money_transfer", 0.179], ["credit_card", 0.037]], "count_prior": [["checking_savings", 0.352], ["credit_card", 0.255], ["credit_reporting", 0.181]], "kge_prior": [["credit_card", 0.139], ["money_transfer", 0.12], ["prepaid_card", 0.113]], "with_count": [["checking_savings", 0.949], ["credit_card", 0.03], ["money_transfer", 0.02]], "with_both": [["checking_savings", 0.932], ["credit_card", 0.042], ["money_transfer", 0.025]], "jev_text": "checking_savings", "jev_company": "checking_savings"}, {"id": "23740358", "company": "Branch Messenger, Inc.", "text": "On XX/XX/XXXX I was on my way home from work ( in XXXX ) and I am notified i was charged {$180.00} by my bank ( branch bank by XXXX XXXX XXXX XXXX card ) once I looked into the merchant I see it is a XXXX XXXX in XXXX XXXX XXXX. I locked my card right away and tried to contact the theater, no answer. I stayed up till about XXXX trying to figure this out, I check my emails and notice I got a receipt for {$180.00} for the XXXX XXXX movie, snacks, drinks etc. assuming whoever did this broke into my XXXX account by email, I scanned my emails to be sure nothing else was tampered with and sure enough I had a few different emails that were odd, like someone trying to send codes to get into other ac", "gold": "checking_savings", "typesafe": [["prepaid_card", 0.41], ["money_transfer", 0.343], ["credit_card", 0.116]], "count_prior": [["checking_savings", 0.503], ["prepaid_card", 0.252], ["money_transfer", 0.156]], "kge_prior": [["prepaid_card", 0.302], ["money_transfer", 0.242], ["credit_card", 0.219]], "with_count": [["prepaid_card", 0.454], ["checking_savings", 0.342], ["money_transfer", 0.185]], "with_both": [["prepaid_card", 0.542], ["checking_savings", 0.264], ["money_transfer", 0.177]], "jev_text": "credit_card", "jev_company": "credit_card"}, {"id": "23903296", "company": "MOHELA", "text": "I have called Mohela student loan servicer several times to correct an incorrect past due reporting. They now say i'm XXXX payments past due and it just keeps adding every month. Called on the following dates XXXX. Mohela stated they are having a system issue and repeatedly said they see I am not overdue and that I have paid more than what's due but the system doesn't see the payments being made. They escalate my calls but nothing is ever corrected. They have said give XXXX business days every time but my account is still not correct. Mohela states they have to manually fix the issue in my account but still have not.", "gold": "student_loan", "typesafe": [["student_loan", 0.981], ["mortgage", 0.008], ["payday_personal", 0.007]], "count_prior": [["student_loan", 0.777], ["credit_reporting", 0.179], ["debt_collection", 0.043]], "kge_prior": [["debt_collection", 0.337], ["credit_reporting", 0.288], ["student_loan", 0.196]], "with_count": [["student_loan", 1.0], ["credit_reporting", 0.0], ["debt_collection", 0.0]], "with_both": [["student_loan", 1.0], ["credit_reporting", 0.0], ["debt_collection", 0.0]], "jev_text": "student_loan", "jev_company": "student_loan"}, {"id": "23761768", "company": "PNC Bank N.A.", "text": "On XX/XX/year>, I opened a personal consumer Virtual Wallet Performance Select account under PNCs advertised {$400.00} sign-up promotion. On XX/XX/year>, I fully satisfied the promotion 's {$5000.00} direct deposit requirement. Per PNCs explicit promotional disclosures, the {$400.00} reward is contractually required to be credited to the account within XXXX to XXXX days of meeting the requirements. As of XX/XX/year>, over 105 days have passed, and PNC has failed to issue the credit. Furthermore, PNC has forced me to lock up thousands of dollars in liquidity far past the agreed holding period solely to avoid a $ XXXX monthly maintenance fee while waiting for them to honor their contract. I co", "gold": "checking_savings", "typesafe": [["checking_savings", 0.303], ["prepaid_card", 0.215], ["credit_card", 0.177]], "count_prior": [["checking_savings", 0.545], ["mortgage", 0.119], ["credit_reporting", 0.1]], "kge_prior": [["money_transfer", 0.146], ["mortgage", 0.146], ["credit_reporting", 0.119]], "with_count": [["checking_savings", 0.948], ["credit_card", 0.025], ["money_transfer", 0.013]], "with_both": [["checking_savings", 0.93], ["credit_card", 0.026], ["money_transfer", 0.022]], "jev_text": "checking_savings", "jev_company": "checking_savings"}, {"id": "23835282", "company": "PENNYMAC LOAN SERVICES, LLC.", "text": "Over the past several weeks, there have been three separate property inspections at my occupied home. The first inspection occurred approximately one month ago, and the other two occurred within the last two weeks. I have video footage of each encounter, and Pennymac records all customer service calls related to these events. Each inspector arrived in a different personal vehicle, dressed in casual clothing without readily identifiable company markings or identification. We received no advance notice identifying who these individuals were, who they worked for, or the purpose of their visits. On every visit, the inspector entered my property, walked onto my front porch, looked through our fro", "gold": "mortgage", "typesafe": [["mortgage", 0.794], ["vehicle_loan", 0.061], ["credit_reporting", 0.045]], "count_prior": [["mortgage", 0.749], ["credit_reporting", 0.187], ["debt_collection", 0.054]], "kge_prior": [["mortgage", 0.276], ["debt_collection", 0.251], ["credit_reporting", 0.242]], "with_count": [["mortgage", 0.993], ["credit_reporting", 0.007], ["debt_collection", 0.0]], "with_both": [["mortgage", 0.993], ["credit_reporting", 0.006], ["debt_collection", 0.0]], "jev_text": "mortgage", "jev_company": "mortgage"}, {"id": "23876465", "company": "Affirm Holdings, Inc", "text": "I paid the account off and was told it was going to have a XXXX dollar balance. I keep checking my credit reports and its still reporting as a open charge off. I paid it through thier collection agency. XXXX said it was paid but its still showing charged off on my credit report. I disputed it twice and they denied it. The amount paid was -On XX/XX/year> XXXX, you made a payment of {$110.00}. You paid with a XXXX with last XXXX digits XXXX and expiration date XXXX/2030. Today the dispute was denied.", "gold": "debt_collection", "typesafe": [["credit_card", 0.361], ["payday_personal", 0.235], ["debt_mgmt", 0.122]], "count_prior": [["credit_reporting", 0.351], ["debt_collection", 0.345], ["payday_personal", 0.236]], "kge_prior": [["prepaid_card", 0.148], ["money_transfer", 0.135], ["credit_card", 0.132]], "with_count": [["payday_personal", 0.561], ["debt_collection", 0.267], ["credit_reporting", 0.093]], "with_both": [["payday_personal", 0.487], ["debt_collection", 0.312], ["credit_reporting", 0.106]], "jev_text": "credit_reporting", "jev_company": "credit_reporting"}, {"id": "23949574", "company": "Block, Inc.", "text": "I have been charged absurd amounts of money on cashapp aswell as complained about scams going on with their app Ive fell victim of. I will say there customer service is correspondent, but there usually narrow it down to theres nothing or much they can do or theyll tell me contact my financial institution which It would be them if I was using there app.", "gold": "money_transfer", "typesafe": [["money_transfer", 0.873], ["prepaid_card", 0.066], ["checking_savings", 0.045]], "count_prior": [["money_transfer", 0.638], ["checking_savings", 0.245], ["prepaid_card", 0.054]], "kge_prior": [["prepaid_card", 0.201], ["payday_personal", 0.152], ["credit_card", 0.13]], "with_count": [["money_transfer", 0.986], ["checking_savings", 0.012], ["prepaid_card", 0.002]], "with_both": [["money_transfer", 0.985], ["checking_savings", 0.012], ["prepaid_card", 0.003]], "jev_text": "money_transfer", "jev_company": "money_transfer"}, {"id": "23991877", "company": "Rocket Mortgage, LLC", "text": "I talked with Rocket Mortgage customer service during week of XX/XX/XXXX to ask about my escrow account analysis. Customer service mentioned that my escrow account was overrage and they have sent check to my for an overrage amount as of XX/XX/year>. From than I called their customer service twice and asked for check status delivery since i didn't receive till XX/XX/year>. XXXX customer service agent told me they mailed it by XXXX and another told me via USPS. Also, they mentioned that they can not share routing number. This looks like fraud scheme to me where when Rocket Mortgage owes me/customer any amount than they do not send it quickly or via right channels, and try to go away with not d", "gold": "mortgage", "typesafe": [["mortgage", 0.965], ["payday_personal", 0.011], ["vehicle_loan", 0.006]], "count_prior": [["mortgage", 0.859], ["credit_reporting", 0.115], ["debt_collection", 0.021]], "kge_prior": [["mortgage", 0.293], ["credit_reporting", 0.196], ["debt_collection", 0.192]], "with_count": [["mortgage", 1.0], ["credit_reporting", 0.0], ["debt_collection", 0.0]], "with_both": [["mortgage", 1.0], ["credit_reporting", 0.0], ["debt_collection", 0.0]], "jev_text": "mortgage", "jev_company": "mortgage"}, {"id": "23770974", "company": "UNITED SERVICES AUTOMOBILE ASSOCIATION", "text": "I want to begin by stating the bank is \" in process '' regarding giving me information about my investigation. But as of now, I have not gotten this ( but I am surely getting collections calls from USAA on a near non-stop basis! ). This all began on XXXX XX/XX/year>. While at home after work, I got a series of fraud alerts on my phone about an attempted charge that I did not make of {$57.00} ( repeated 6 times ). This was approximately XXXX XXXX. This was immediately followed by a phone call from a phone number that showed on the screen as XXXX. As a USAA member for nearly 30 years, I was aware this is their main customer number to start any call. Believing it was a call to alert me to the c", "gold": "checking_savings", "typesafe": [["checking_savings", 0.509], ["money_transfer", 0.186], ["credit_card", 0.095]], "count_prior": [["checking_savings", 0.48], ["credit_reporting", 0.188], ["credit_card", 0.135]], "kge_prior": [["debt_collection", 0.154], ["money_transfer", 0.146], ["credit_card", 0.134]], "with_count": [["checking_savings", 0.936], ["credit_card", 0.026], ["credit_reporting", 0.016]], "with_both": [["checking_savings", 0.935], ["credit_card", 0.027], ["money_transfer", 0.015]], "jev_text": "checking_savings", "jev_company": "checking_savings"}, {"id": "23979014", "company": "JPMORGAN CHASE & CO.", "text": "I filed a complaint against Chase through this site with specific issues needing to be addressed, and Chase responded to the complaint mentioning the things that were asked ( and are requirements under federal law for them to provide ) and claimed that they had abided by these regulations. They declined to provide the written reason under them, as I have asked now for several months, and doing this is a regulation in itself that they will not comply with lawfully. They cited reasons relating to what appears to be a template or a copy-forward response that has no relevance to my own complaint itself, as the brief pieces of incoherent and unsupported statements are not at all related to my com", "gold": "money_transfer", "typesafe": [["checking_savings", 0.288], ["credit_card", 0.257], ["mortgage", 0.123]], "count_prior": [["checking_savings", 0.352], ["credit_card", 0.255], ["credit_reporting", 0.181]], "kge_prior": [["credit_card", 0.139], ["money_transfer", 0.12], ["prepaid_card", 0.113]], "with_count": [["checking_savings", 0.595], ["credit_card", 0.327], ["credit_reporting", 0.057]], "with_both": [["checking_savings", 0.519], ["credit_card", 0.415], ["credit_reporting", 0.047]], "jev_text": "checking_savings", "jev_company": "checking_savings"}, {"id": "23945962", "company": "Source Receivables Management LLC", "text": "On XX/XX/XXXX, I canceled my XXXX account and paid the final balance of {$90.00}. XXXX XXXX XXXXXXXX XXXX confirm the payment was successfully made and never reversed. Despite receiving the payment, XXXX failed to properly credit the account and later referred it to collections through Source Receivables Management. I was not provided meaningful notice that any balance allegedly remained due. As a result of this inaccurate collection account, my credit was negatively impacted and I was denied a credit line. After I submitted proof of payment, XXXX investigated the matter and deleted the collection account on XX/XX/XXXX. Despite XXXX XXXX resolution, I have not received a clear and conclusive", "gold": "debt_collection", "typesafe": [["credit_card", 0.25], ["debt_collection", 0.166], ["debt_mgmt", 0.155]], "count_prior": [["debt_collection", 0.812], ["credit_reporting", 0.184], ["debt_mgmt", 0.005]], "kge_prior": [["debt_collection", 0.45], ["credit_reporting", 0.295], ["debt_mgmt", 0.216]], "with_count": [["debt_collection", 0.961], ["credit_reporting", 0.038], ["debt_mgmt", 0.0]], "with_both": [["debt_collection", 0.974], ["credit_reporting", 0.026], ["debt_mgmt", 0.0]], "jev_text": "debt_collection", "jev_company": "debt_collection"}, {"id": "23911199", "company": "EQUIFAX, INC.", "text": "XXXX was settled and paid in full XX/XX/year>. Credit bureau and collection have not removed this from my report. It's been way past 30 days. Violation of my rights.", "gold": "debt_collection", "typesafe": [["debt_mgmt", 0.325], ["vehicle_loan", 0.119], ["payday_personal", 0.102]], "count_prior": [["credit_reporting", 0.995], ["debt_collection", 0.004], ["credit_card", 0.001]], "kge_prior": [["debt_collection", 0.158], ["prepaid_card", 0.112], ["credit_reporting", 0.107]], "with_count": [["credit_reporting", 1.0], ["debt_collection", 0.0], ["credit_card", 0.0]], "with_both": [["credit_reporting", 1.0], ["debt_collection", 0.0], ["credit_card", 0.0]], "jev_text": "credit_reporting", "jev_company": "credit_reporting"}, {"id": "24632344", "company": "Netspend Corporation", "text": "Wed my XXXX XXXX payment was issued to netspend card now all the sudden there a block in I've sent in Kansas I'd front n back and alot of documents and still blocked i ask to speak to supervisor but they hang up on me XXXX help me I need my money for rent the amount is XXXX its from XXXX fir my XXXXXXXX XXXX the card ends n XXXX plz plz help me I don't knoe what to do i told my lawer I was gon na go through u first see if u could help me", "gold": "prepaid_card", "typesafe": [["prepaid_card", 0.853], ["money_transfer", 0.04], ["debt_mgmt", 0.028]], "count_prior": [["prepaid_card", 0.476], ["checking_savings", 0.43], ["money_transfer", 0.046]], "kge_prior": [["prepaid_card", 0.386], ["checking_savings", 0.206], ["credit_card", 0.178]], "with_count": [["prepaid_card", 0.974], ["checking_savings", 0.024], ["money_transfer", 0.001]], "with_both": [["prepaid_card", 0.986], ["checking_savings", 0.013], ["money_transfer", 0.001]], "jev_text": "prepaid_card", "jev_company": "prepaid_card"}, {"id": "23916088", "company": "Kriya Capital, LLC", "text": "I am filing this complaint because I believe this debt collection agency is attempting to collect a debt that is inaccurate and has provided conflicting information regarding the nature of the alleged debt. The collection account originated from a XXXX account involving a XXXX XXXX device. I returned the device in XX/XX/XXXX using XXXX 's authorized prepaid UPS shipping label ( Tracking Number : XXXX ). XXXX has since discontinued the XXXX program and waived outstanding device return requirements. On XX/XX/XXXX, I spoke with a XXXX at the collection agency. During the call, which was recorded after the agency 's automated system notified me that the call was being recorded, the XXXX stated t", "gold": "debt_collection", "typesafe": [["debt_collection", 0.876], ["debt_mgmt", 0.035], ["credit_card", 0.022]], "count_prior": [["debt_collection", 0.844], ["credit_reporting", 0.152], ["debt_mgmt", 0.003]], "kge_prior": [["debt_collection", 0.283], ["credit_card", 0.272], ["debt_mgmt", 0.217]], "with_count": [["debt_collection", 0.999], ["credit_reporting", 0.001], ["debt_mgmt", 0.0]], "with_both": [["debt_collection", 0.999], ["credit_reporting", 0.001], ["debt_mgmt", 0.0]], "jev_text": "debt_collection", "jev_company": "debt_collection"}, {"id": "24361964", "company": "WELLS FARGO & COMPANY", "text": "Formal CFPB Dispute Narrative To : Wells Fargo Bank , N.A . XXXX XXXX XXXX XXXX XXXX RE : Willful FCRA Violation, Deceptive Trade Practices, and Failure to Verify Consumer Authorization XXXX. Statement of Facts & Material Omissions On XX/XX/year>, I submitted a digital request for a routine Credit Limit Increase ( CLI ) on my Wells Fargo credit card account ending in XXXX. The Wells Fargo app/user interface, application flow, and submission screens completely lacked any clear and conspicuous disclosure stating that this action would trigger a hard inquiry on my credit profile. A decade-long course of dealing across multiple financial institutions, including prior actions with Wells Fargo , e", "gold": "credit_card", "typesafe": [["credit_reporting", 0.275], ["credit_card", 0.232], ["checking_savings", 0.144]], "count_prior": [["checking_savings", 0.429], ["credit_card", 0.163], ["credit_reporting", 0.149]], "kge_prior": [["money_transfer", 0.128], ["credit_card", 0.125], ["mortgage", 0.117]], "with_count": [["checking_savings", 0.532], ["credit_reporting", 0.209], ["credit_card", 0.201]], "with_both": [["checking_savings", 0.475], ["credit_card", 0.268], ["credit_reporting", 0.209]], "jev_text": "credit_card", "jev_company": "credit_card"}, {"id": "23994251", "company": "Volvo Car Financial Services U.S., LLC", "text": "had pre turn in inspection done by the company of XXXX XXXX choosing. the only item turned up on the inspection report was that the speed rating for the tires did not all match each other. the XXXX rear tires have a speed rating of XXXX and are the original build tires that came with the car. .The XXXX tires on the front of the vehicle have a speed rating of XXXX and represent a performance UPGRADE. All for tires meet all the wear and use requirements such as size and remaining tread depth. I had a phone call with XXXX XXXX on XXXX the same day as the inspection was done. I spoke with a \" XXXX '' at XXXX XXXX and they could NOT point to any requirement that explicitly states all tires must m", "gold": "vehicle_loan", "typesafe": [["vehicle_loan", 0.954], ["mortgage", 0.035], ["payday_personal", 0.005]], "count_prior": [["vehicle_loan", 0.561], ["credit_reporting", 0.332], ["debt_collection", 0.106]], "kge_prior": [["vehicle_loan", 0.481], ["debt_collection", 0.284], ["credit_reporting", 0.217]], "with_count": [["vehicle_loan", 1.0], ["credit_reporting", 0.0], ["debt_collection", 0.0]], "with_both": [["vehicle_loan", 1.0], ["credit_reporting", 0.0], ["debt_collection", 0.0]], "jev_text": "vehicle_loan", "jev_company": "vehicle_loan"}, {"id": "24022971", "company": "HW Holding, Inc", "text": "Just noticed that this company Hunter Warfield reported a collection .I dont know this company.I did not receive any communication, neither did they ask me to verify debt. How did they get my social security number? This is identity fraud.I dont owe this company anything and I dont have a contract with them so they have no right to collect especially without verification. U.S Code 1992 g I refer to this -This debt was not validated by me so shoukd me removed from my reports immediately.", "gold": "debt_collection", "typesafe": [["debt_collection", 0.753], ["debt_mgmt", 0.058], ["prepaid_card", 0.041]], "count_prior": [["debt_collection", 0.83], ["credit_reporting", 0.166], ["debt_mgmt", 0.005]], "kge_prior": [["debt_collection", 0.382], ["debt_mgmt", 0.315], ["credit_reporting", 0.258]], "with_count": [["debt_collection", 0.996], ["credit_reporting", 0.004], ["debt_mgmt", 0.0]], "with_both": [["debt_collection", 0.997], ["credit_reporting", 0.003], ["debt_mgmt", 0.0]], "jev_text": "debt_collection", "jev_company": "debt_collection"}, {"id": "24255704", "company": "Ocwen Financial Corporation", "text": "I advised ONITY Mortgage for a new escrow analysis due to a significant decrease in my homeowners insurance premium in XXXX. The previous escrow analysis had been done using a previous higher homeowners insurance premium. I was asked to provide my new premium declaration page, which I did via a representative on the phone. I have sent several messages to ONITY via my online customer portal and emails. I have been advised that a new analysis would be done, but after 2 months, it has not been done. Meanwhile, my mortgage payment was increased by almost {$300.00} due to the inaccurate escrow analysis. I can not afford that increase and need a correct analysis done before my loan becomes further", "gold": "mortgage", "typesafe": [["mortgage", 0.982], ["payday_personal", 0.009], ["vehicle_loan", 0.004]], "count_prior": [["mortgage", 0.905], ["credit_reporting", 0.07], ["debt_collection", 0.018]], "kge_prior": [["mortgage", 0.242], ["debt_collection", 0.199], ["debt_mgmt", 0.196]], "with_count": [["mortgage", 1.0], ["credit_reporting", 0.0], ["debt_collection", 0.0]], "with_both": [["mortgage", 1.0], ["credit_reporting", 0.0], ["debt_collection", 0.0]], "jev_text": "mortgage", "jev_company": "mortgage"}, {"id": "24151817", "company": "JPMORGAN CHASE & CO.", "text": "I am submitting this complaint regarding a Chase XXXXXXXX XXXX made with my Chase credit card. The issue is not that I did not receive the cruise. The issue is that I relied on inaccurate information provided by a Chase Travel representative when making my purchase. During the original booking call, after I decided to book an inside cabin, the Chase Travel representative informed me that the XXXX Unlimited package would be included. After that, I asked about the military discount and also asked about the price difference for upgrading to a higher category cabin. After considering the upgrade price, I decided to keep the inside cabin. At that point, the conversation about the XXXX Unlimited p", "gold": "credit_card", "typesafe": [["credit_card", 0.649], ["vehicle_loan", 0.108], ["prepaid_card", 0.095]], "count_prior": [["checking_savings", 0.352], ["credit_card", 0.255], ["credit_reporting", 0.181]], "kge_prior": [["credit_card", 0.139], ["money_transfer", 0.12], ["prepaid_card", 0.113]], "with_count": [["credit_card", 0.952], ["checking_savings", 0.033], ["debt_collection", 0.005]], "with_both": [["credit_card", 0.967], ["checking_savings", 0.023], ["debt_collection", 0.004]], "jev_text": "credit_card", "jev_company": "credit_card"}, {"id": "24678666", "company": "TRANSUNION INTERMEDIATE HOLDINGS, INC.", "text": "There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.", "gold": "debt_collection", "typesafe": [["credit_reporting", 0.924], ["debt_collection", 0.071], ["debt_mgmt", 0.002]], "count_prior": [["credit_reporting", 0.995], ["debt_collection", 0.004], ["credit_card", 0.001]], "kge_prior": [["debt_collection", 0.172], ["checking_savings", 0.122], ["credit_reporting", 0.107]], "with_count": [["credit_reporting", 1.0], ["debt_collection", 0.0], ["credit_card", 0.0]], "with_both": [["credit_reporting", 1.0], ["debt_collection", 0.0], ["credit_card", 0.0]], "jev_text": "credit_reporting", "jev_company": "credit_reporting"}, {"id": "23793406", "company": "HSBC NORTH AMERICA HOLDINGS INC.", "text": "I called them multiple times trying to explain that I bought I motorcycle and the original owner never closed the XXXX but it's payed off obviously because it's a XXXX motorcycle and he bought it in XXXX they kept asking for the vin but this bike is so old that I'm guessing it's not in the system anymore because it's payed off I tried to get them to email me a letter stating that it's no longer in there system so I could take it to the DMV after that I got hung up on multiple times which was very frustrating one guy said he could do it and it'd take 5 business days that deadline has passed and my bike still can not be registered this whole process has been very frustrating you'd think it'd b", "gold": "vehicle_loan", "typesafe": [["vehicle_loan", 0.963], ["mortgage", 0.015], ["prepaid_card", 0.006]], "count_prior": [["checking_savings", 0.322], ["credit_card", 0.246], ["debt_collection", 0.221]], "kge_prior": [["mortgage", 0.174], ["credit_card", 0.169], ["debt_collection", 0.132]], "with_count": [["vehicle_loan", 0.558], ["credit_card", 0.163], ["checking_savings", 0.114]], "with_both": [["vehicle_loan", 0.51], ["credit_card", 0.198], ["mortgage", 0.139]], "jev_text": "vehicle_loan", "jev_company": "vehicle_loan"}, {"id": "24119585", "company": "SOFI TECHNOLOGIES, INC.", "text": "I signed up because they promised a {$400.00} bonus plus 3.8 % APY. After signing in, it displayed a 0.8 % apy and I was unable to locate any information or access support. There was no option to access their phone number, and after independently looking up their phone number I was sent into an endless phone tree, and after pressing XXXX dozens of times it finally agreed to transfer me to a human who immediately disconnected the call. I also noticed under my profile information, it says they are selling my information without consent. At this point in time, I am attempting to get all the accounts closed and delete all my information from your system but I am unable to reach anyone. After bei", "gold": "checking_savings", "typesafe": [["money_transfer", 0.53], ["prepaid_card", 0.286], ["checking_savings", 0.077]], "count_prior": [["checking_savings", 0.616], ["money_transfer", 0.088], ["payday_personal", 0.085]], "kge_prior": [["credit_card", 0.141], ["student_loan", 0.135], ["checking_savings", 0.133]], "with_count": [["checking_savings", 0.719], ["money_transfer", 0.267], ["credit_card", 0.008]], "with_both": [["checking_savings", 0.727], ["money_transfer", 0.26], ["credit_card", 0.009]], "jev_text": "checking_savings", "jev_company": "checking_savings"}, {"id": "23761570", "company": "WELLS FARGO & COMPANY", "text": "On XX/XX/XXXX, I received an official fraud alert text message from Wells Fargo regarding an unauthorized transfer of {$42000.00} USD from my account. Exactly XXXX minutes after receiving this alert, I called Wells Fargos fraud department to reject the transaction. The bank representative explicitly assured me : \" Do not worry, we will stop the transfer. '' Despite my immediate notification and the representative 's verbal confirmation, Wells Fargo failed its security protocols and allowed the funds to leave my account. I have XXXX XXXX XXXX phone records proving the exact timestamps of the text alert and my immediate call. Wells Fargo has denied my fraud claim and refuses to reimburse my mo", "gold": "checking_savings", "typesafe": [["money_transfer", 0.51], ["checking_savings", 0.42], ["prepaid_card", 0.035]], "count_prior": [["checking_savings", 0.429], ["credit_card", 0.163], ["credit_reporting", 0.149]], "kge_prior": [["money_transfer", 0.128], ["credit_card", 0.125], ["mortgage", 0.117]], "with_count": [["checking_savings", 0.915], ["money_transfer", 0.076], ["credit_card", 0.008]], "with_both": [["checking_savings", 0.877], ["money_transfer", 0.111], ["credit_card", 0.011]], "jev_text": "checking_savings", "jev_company": "checking_savings"}, {"id": "24369381", "company": "WELLS FARGO & COMPANY", "text": "I bought a XXXX XXXXXXXX XXXX XXXX and paid for it through XXXX in XX/XX/XXXX for {$2500.00}. they lowered my XXXX limit. On XX/XX/XXXX I purchased a XXXX XXXX XXXX {$2600.00}. On XX/XX/XXXX I purchased a XXXX XXXX XXXX {$3500.00}. Immediately after this, Im started getting letters from Wells Fargo saying that they were closing my account so I looked online my credit card that had over {$1300.00} of points and was completely paid off had been closed and all my points are gone. I purchased these vehicles from a website called Auto bid master already received these vehicles. I have paperwork showing the invoice and lot numbers and the purchase price along with the XXXX amount I paid. Ive talke", "gold": "credit_card", "typesafe": [["vehicle_loan", 0.628], ["credit_card", 0.121], ["checking_savings", 0.096]], "count_prior": [["checking_savings", 0.429], ["credit_card", 0.163], ["credit_reporting", 0.149]], "kge_prior": [["money_transfer", 0.128], ["credit_card", 0.125], ["mortgage", 0.117]], "with_count": [["checking_savings", 0.696], ["credit_card", 0.205], ["vehicle_loan", 0.072]], "with_both": [["checking_savings", 0.632], ["credit_card", 0.277], ["vehicle_loan", 0.057]], "jev_text": "credit_card", "jev_company": "credit_card"}, {"id": "24119830", "company": "Ocwen Financial Corporation", "text": "On XX/XX/year>, I contacted XXXX c/o Onity Mortgage for the purpose of obtaining an accurate payoff amount for my home mortgage. I did not call to discuss a servicing transfer because, before that telephone conversation, I had no knowledge that my mortgage servicing was being transferred. I first spoke with a representative who identified himself as XXXX, Agent ID XXXX. After verifying my identity and account, XXXX told me that the servicing of my mortgage had been transferred from Onity Mortgage to XXXX XXXX XXXX XXXX XXXX, effective XX/XX/year>. This telephone call was the first time I learned of the transfer. I told XXXX that I had not received any prior notice informing me that XXXX XXXX", "gold": "debt_collection", "typesafe": [["mortgage", 0.969], ["payday_personal", 0.012], ["student_loan", 0.008]], "count_prior": [["mortgage", 0.905], ["credit_reporting", 0.07], ["debt_collection", 0.018]], "kge_prior": [["mortgage", 0.242], ["debt_collection", 0.199], ["debt_mgmt", 0.196]], "with_count": [["mortgage", 1.0], ["credit_reporting", 0.0], ["debt_collection", 0.0]], "with_both": [["mortgage", 1.0], ["credit_reporting", 0.0], ["debt_collection", 0.0]], "jev_text": "mortgage", "jev_company": "mortgage"}, {"id": "23969831", "company": "Goal Structured Solutions, LLC", "text": "My private student loan ( originated through XXXX XXXX XXXX, serviced by Launch Servicing LLC ) reflects an incorrect balance following a school-certified tuition reduction. My school, XXXX, confirmed in writing on XX/XX/year> that both tuition adjustments were completed, reducing the certified loan amount to {$3800.00} against an original certified tuition of {$15000.00}. Ascent issued its own formal disbursement change notice on XX/XX/year> confirming a reduction to {$3800.00} for XXXX ID XXXX. XXXX XXXX 's XX/XX/year> response calculated refunds as percentages of the full disbursed amount of {$16000.00}, which includes a {$770.00} origination fee paid to a third-party processor rather tha", "gold": "student_loan", "typesafe": [["student_loan", 0.81], ["payday_personal", 0.101], ["vehicle_loan", 0.044]], "count_prior": [["credit_reporting", 0.374], ["debt_collection", 0.296], ["student_loan", 0.241]], "kge_prior": [["debt_collection", 0.331], ["credit_reporting", 0.25], ["student_loan", 0.202]], "with_count": [["student_loan", 0.971], ["payday_personal", 0.024], ["debt_collection", 0.002]], "with_both": [["student_loan", 0.973], ["payday_personal", 0.02], ["debt_collection", 0.004]], "jev_text": "student_loan", "jev_company": "student_loan"}, {"id": "24194504", "company": "Consumer Adjustment Company Incorporated", "text": "Consumer Adjustment Company , Inc. has furnished derogatory credit information to credit reporting agencies, specifically XXXX about a debt which I am not liable to them for. This information has damaged my credit standing and credit score which I use for personal, family, and household purposes. As a result, I am suffering damages. The information being furnished is false and misleading. The alleged debt was never officially validated and should not have been shared without consent obtained directly from me before sharing with another person. Such actions are dangerous and can seriously injure a taxpayer. I am serving notice to them through this complaint to immediately cease use of my lega", "gold": "debt_collection", "typesafe": [["credit_reporting", 0.408], ["debt_collection", 0.38], ["debt_mgmt", 0.104]], "count_prior": [["debt_collection", 0.811], ["credit_reporting", 0.189], ["credit_card", 0.0]], "kge_prior": [["debt_collection", 0.618], ["credit_reporting", 0.337], ["debt_mgmt", 0.016]], "with_count": [["debt_collection", 0.892], ["credit_reporting", 0.108], ["credit_card", 0.0]], "with_both": [["debt_collection", 0.938], ["credit_reporting", 0.062], ["credit_card", 0.0]], "jev_text": "debt_collection", "jev_company": "debt_collection"}, {"id": "23891435", "company": "Block, Inc.", "text": "On XX/XX/2026, I filed a dispute with Cash App for a {$410.00} charge from XXXX XXXX XXXX ( Confirmation # XXXX ). I disputed the charge because the lodging services were not provided as described and the merchant refused to respond to any resolution attempt. The underlying issues : ( XXXX ) A hotel employee publicly announced my personal home city in front of other guests with a disparaging remark information not present on my ID or reservation, which both show my Florida address, indicating my personal data was improperly accessed or disclosed. ( XXXX ) Hair was found in food provided by the hotel ; reported and never resolved. ( XXXX ) Loud motor noise near my room throughout the entire s", "gold": "checking_savings", "typesafe": [["money_transfer", 0.628], ["prepaid_card", 0.147], ["checking_savings", 0.106]], "count_prior": [["money_transfer", 0.638], ["checking_savings", 0.245], ["prepaid_card", 0.054]], "kge_prior": [["prepaid_card", 0.201], ["payday_personal", 0.152], ["credit_card", 0.13]], "with_count": [["money_transfer", 0.955], ["checking_savings", 0.038], ["prepaid_card", 0.005]], "with_both": [["money_transfer", 0.951], ["checking_savings", 0.037], ["prepaid_card", 0.01]], "jev_text": "money_transfer", "jev_company": "money_transfer"}, {"id": "23971065", "company": "Media Collections, Inc", "text": "A XXXX franchise created a new invoice for {$88.00} after losing a credit card chargeback, backdated it to make it appear part of the original rental, and never sent this invoice to me. Instead, the franchise sent this fabricated invoice directly to a XXXX collection agency. At the time, I was on activeduty military orders, and this collection activity created unnecessary risk to my security clearance. The collection agency later withdrew the debt confirmed in my other CFPB complaint, stating it was not valid. I have spent over XXXX hours attempting to resolve this issue. I contacted XXXX repeatedly by phone and email, including a detailed conversation today with their XXXX XXXX team. Their ", "gold": "debt_collection", "typesafe": [["debt_collection", 0.313], ["debt_mgmt", 0.181], ["credit_card", 0.154]], "count_prior": [["debt_collection", 0.913], ["credit_reporting", 0.086], ["credit_card", 0.0]], "kge_prior": [["debt_collection", 0.584], ["credit_reporting", 0.39], ["credit_card", 0.006]], "with_count": [["debt_collection", 0.996], ["credit_reporting", 0.004], ["credit_card", 0.0]], "with_both": [["debt_collection", 0.998], ["credit_reporting", 0.002], ["credit_card", 0.0]], "jev_text": "debt_collection", "jev_company": "debt_collection"}, {"id": "24003286", "company": "TRANSUNION INTERMEDIATE HOLDINGS, INC.", "text": "* * Subject : Formal Complaint Regarding Failure to Conduct a Reasonable Investigation and Reporting of Inaccurate Information Under the Fair Credit Reporting Act ( FCRA ) * * * * Date : * * XX/XX/year> To Whom It May Concern, I respectfully submit this complaint requesting that the Consumer Financial Protection Bureau investigate the continued reporting of inaccurate, inconsistent, incomplete, and potentially unverifiable information appearing on my consumer credit files maintained by XXXX XXXX and TransUnion. After obtaining and comparing my credit reports from all three nationwide consumer reporting agencies, I identified numerous discrepancies in account status, payment histories, balanc", "gold": "debt_collection", "typesafe": [["credit_reporting", 0.973], ["debt_collection", 0.019], ["student_loan", 0.002]], "count_prior": [["credit_reporting", 0.995], ["debt_collection", 0.004], ["credit_card", 0.001]], "kge_prior": [["debt_collection", 0.172], ["checking_savings", 0.122], ["credit_reporting", 0.107]], "with_count": [["credit_reporting", 1.0], ["debt_collection", 0.0], ["credit_card", 0.0]], "with_both": [["credit_reporting", 1.0], ["debt_collection", 0.0], ["credit_card", 0.0]], "jev_text": "credit_reporting", "jev_company": "credit_reporting"}, {"id": "23884342", "company": "Action Collection Agencies, Inc.", "text": "Subject : Identity Theft Impersonation and Phantom Debt Collection Scam I am filing this complaint to report a high-pressure phantom debt collection and impersonation scam. My phone number was targeted by an automated caller claiming to represent XXXX XXXX XXXX XXXX XXXX, using the employee/agent alias \" XXXX XXXX XXXX XXXX The call came from phone number XXXX on XXXX XX/XX/year> at XXXX XXXX The caller left a vague, high-pressure message stating that this call was regarding an urgent \" legal matter. '' I am confident this is a fraudulent spoofing attempt and a phantom debt scam based on the following facts : Identity and Residency : I currently reside in XXXX and have never lived or worked ", "gold": "debt_collection", "typesafe": [["debt_collection", 0.508], ["money_transfer", 0.105], ["debt_mgmt", 0.099]], "count_prior": [["debt_collection", 0.95], ["credit_reporting", 0.048], ["credit_card", 0.001]], "kge_prior": [["debt_collection", 0.972], ["credit_reporting", 0.021], ["checking_savings", 0.002]], "with_count": [["debt_collection", 0.998], ["credit_reporting", 0.002], ["credit_card", 0.0]], "with_both": [["debt_collection", 1.0], ["credit_reporting", 0.0], ["credit_card", 0.0]], "jev_text": "debt_collection", "jev_company": "debt_collection"}, {"id": "23895908", "company": "Client Services, Inc.", "text": "This company tagged as \" client services '' keep spam calling my phone with different number everyday. They leave no information on who they are or why they are calling. I want the calls to stop on my phone. Spam calling and not stating who you are and why you're calling is harassment. I do not know who this is. They call from different numbers.", "gold": "debt_collection", "typesafe": [["debt_mgmt", 0.363], ["money_transfer", 0.291], ["prepaid_card", 0.088]], "count_prior": [["debt_collection", 0.908], ["credit_reporting", 0.058], ["credit_card", 0.017]], "kge_prior": [["debt_collection", 0.661], ["credit_reporting", 0.298], ["debt_mgmt", 0.016]], "with_count": [["debt_collection", 0.981], ["debt_mgmt", 0.01], ["credit_reporting", 0.008]], "with_both": [["debt_collection", 0.996], ["credit_reporting", 0.004], ["debt_mgmt", 0.0]], "jev_text": "debt_collection", "jev_company": "debt_collection"}, {"id": "23892337", "company": "Paypal Holdings, Inc", "text": "Paypal Account frozen without explanation. Assets frozen. It's says I have a \" balance '' that's been frozen for XXXX months. But I can't withdraw or close my account.", "gold": "money_transfer", "typesafe": [["money_transfer", 0.83], ["prepaid_card", 0.082], ["checking_savings", 0.046]], "count_prior": [["money_transfer", 0.764], ["checking_savings", 0.136], ["credit_card", 0.048]], "kge_prior": [["prepaid_card", 0.198], ["money_transfer", 0.173], ["credit_card", 0.129]], "with_count": [["money_transfer", 0.995], ["checking_savings", 0.004], ["prepaid_card", 0.0]], "with_both": [["money_transfer", 0.998], ["checking_savings", 0.002], ["prepaid_card", 0.0]], "jev_text": "money_transfer", "jev_company": "money_transfer"}, {"id": "23912758", "company": "CREDIT ACCEPTANCE CORPORATION", "text": "I voluntary return the car and they said it was gone auction off for the full price but they didnt leaving me with a high balanced stew. I told him I am disabled. Im on Social Security now unable to pay that amount. They told me thats not my problem and then it showed up on my credit report. I said they told me they were gon na auction it off for close to what is old which is like {$6000.00} or maybe less and they did not do that all calls or recorded. I hope they could pull it up. I called them and it said that they were not supposed to report that on my credit report and I just got the run-on.", "gold": "vehicle_loan", "typesafe": [["vehicle_loan", 0.958], ["payday_personal", 0.015], ["mortgage", 0.008]], "count_prior": [["credit_reporting", 0.433], ["vehicle_loan", 0.353], ["debt_collection", 0.206]], "kge_prior": [["debt_collection", 0.276], ["debt_mgmt", 0.211], ["vehicle_loan", 0.21]], "with_count": [["vehicle_loan", 0.998], ["debt_collection", 0.001], ["credit_reporting", 0.001]], "with_both": [["vehicle_loan", 0.997], ["debt_collection", 0.002], ["credit_reporting", 0.001]], "jev_text": "vehicle_loan", "jev_company": "vehicle_loan"}, {"id": "24121483", "company": "Paypal Holdings, Inc", "text": "On XX/XX/year>, ATM CHARGED MY DEBIT CARD {$69.00}. The ATM did not dispense my cash. I filed a dispute with Venmo on XX/XX/year>. On XX/XX/year> I received an email from Venmo acknowledging the disputed amount of {$67.00}. On XX/XX/year> I received a email from Venmo stating the dispute amount has been updated to {$1.00}. On XX/XX/year> I received a provisional credit in the amount of {$1.00}. I have called and reached out to customer service and chat support repeatedly with no resolution. On XX/XX/year> Venmo fraudulently opened a new dispute on XX/XX/year> to extend time, not when the transaction occurred. The transaction did not happen on XX/XX/year>. Venmo deceptive practices has caused", "gold": "checking_savings", "typesafe": [["money_transfer", 0.421], ["checking_savings", 0.282], ["prepaid_card", 0.192]], "count_prior": [["money_transfer", 0.764], ["checking_savings", 0.136], ["credit_card", 0.048]], "kge_prior": [["prepaid_card", 0.198], ["money_transfer", 0.173], ["credit_card", 0.129]], "with_count": [["money_transfer", 0.948], ["checking_savings", 0.048], ["credit_card", 0.002]], "with_both": [["money_transfer", 0.973], ["checking_savings", 0.023], ["credit_card", 0.002]], "jev_text": "money_transfer", "jev_company": "money_transfer"}, {"id": "23842065", "company": "TRANSUNION INTERMEDIATE HOLDINGS, INC.", "text": "XXXXI am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. I am demanding that Transunion block the following fraudulent accounts, collections, and inquiries from my consumer credit report within XXXX business days: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXThese accounts are the result of identity theft and fraud and are supported by FTC Identity Theft Complaint. Personal Identifying details such as ID, Proof of Address and Proof", "gold": "credit_reporting", "typesafe": [["credit_reporting", 0.641], ["debt_mgmt", 0.108], ["debt_collection", 0.075]], "count_prior": [["credit_reporting", 0.995], ["debt_collection", 0.004], ["credit_card", 0.001]], "kge_prior": [["debt_collection", 0.172], ["checking_savings", 0.122], ["credit_reporting", 0.107]], "with_count": [["credit_reporting", 1.0], ["debt_collection", 0.0], ["credit_card", 0.0]], "with_both": [["credit_reporting", 1.0], ["debt_collection", 0.0], ["credit_card", 0.0]], "jev_text": "credit_reporting", "jev_company": "credit_reporting"}, {"id": "23804064", "company": "Paypal Holdings, Inc", "text": "CONSUMER FINANCIAL PROTECTION BUREAU COMPLAINT Complainant : XXXX XXXX | XXXX Company : PayPal , Inc . Complaint Category : Money Transfer / Electronic Fund Transfer ( EFT ) Unauthorized Transaction, Regulation E Error Resolution NATURE OF THIS COMPLAINT This complaint concerns a series of unauthorized electronic fund transfers ( EFTs ) processed through my PayPal account over approximately fifteen months, and PayPal 's subsequent failure to conduct a proper error resolution investigation as required under the Electronic Fund Transfer Act ( EFTA ) and Regulation E ( 12 CFR Part 1005 ). The transfers were initiated by a merchant operating under the obfuscated Merchant of Record name \" XXXX ''", "gold": "money_transfer", "typesafe": [["money_transfer", 0.657], ["prepaid_card", 0.124], ["checking_savings", 0.098]], "count_prior": [["money_transfer", 0.764], ["checking_savings", 0.136], ["credit_card", 0.048]], "kge_prior": [["prepaid_card", 0.198], ["money_transfer", 0.173], ["credit_card", 0.129]], "with_count": [["money_transfer", 0.988], ["checking_savings", 0.011], ["credit_card", 0.001]], "with_both": [["money_transfer", 0.993], ["checking_savings", 0.005], ["prepaid_card", 0.001]], "jev_text": "money_transfer", "jev_company": "money_transfer"}, {"id": "23977545", "company": "Central Research Inc", "text": "Central research Inc put XXXX marks on my credit report for medical debts I didn't owe when an identity thief driving for XXXX XXXX got access to my tax information in XXXX. And tried to put their XXXX XXXX debt XXXX on my taxes then this appeared on my credit report with medical record information I was never given by The hospital XXXX that treated me that I had a right to see.", "gold": "debt_collection", "typesafe": [["debt_collection", 0.532], ["credit_reporting", 0.209], ["debt_mgmt", 0.086]], "count_prior": [["student_loan", 0.47], ["credit_reporting", 0.416], ["debt_collection", 0.114]], "kge_prior": [["debt_collection", 0.374], ["student_loan", 0.312], ["credit_reporting", 0.252]], "with_count": [["credit_reporting", 0.667], ["debt_collection", 0.243], ["student_loan", 0.091]], "with_both": [["credit_reporting", 0.585], ["debt_collection", 0.316], ["student_loan", 0.099]], "jev_text": "credit_reporting", "jev_company": "credit_reporting"}, {"id": "23928969", "company": "EQUIFAX, INC.", "text": "Ive Been a Victim Of Identity Theft They Knowingly violated my rights as a consumer under 15 USC 605b and I need these accounts blocked and deleted from my credit report Under FCRA LAW 611 ( a ) ( 5 ) ( b ), I am demanding information from the furnishers for reinsertions. My Information was Exposed in multiple data breaches. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Block These Fraudulent accounts Immediately within XXXX days of receiving this FTC Report Under FCRA LAW 605B. Remove Inquires : XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XXXX Tx XXXX, XXXX XXXX XXXX XXXX XXXX fl XXXX", "gold": "debt_mgmt", "typesafe": [["credit_reporting", 0.853], ["debt_mgmt", 0.059], ["debt_collection", 0.042]], "count_prior": [["credit_reporting", 0.995], ["debt_collection", 0.004], ["credit_card", 0.001]], "kge_prior": [["debt_collection", 0.158], ["prepaid_card", 0.112], ["credit_reporting", 0.107]], "with_count": [["credit_reporting", 1.0], ["debt_collection", 0.0], ["debt_mgmt", 0.0]], "with_both": [["credit_reporting", 1.0], ["debt_collection", 0.0], ["credit_card", 0.0]], "jev_text": "credit_reporting", "jev_company": "credit_reporting"}, {"id": "23909415", "company": "CREDIT ACCEPTANCE CORPORATION", "text": "I received a judgement. Its dated XXXX but I called the XXXX XXXX XXXX house and they never filed a judgement against me. So they sent me court documents stating its a civil action notice of execution against my wages without properly filing for them! And the judgement from XXXX they apparently filed I never received and I lived at the same address from XXXX. So they never sent me or served me anything. Its been 12 years since this debt came into play and its been 5 years since it fell off my credit. This is ridiculous waiting 12 years to get money. XXXX a mom of XXXX I pay {$2900.00} in rent! I make about {$3200.00} a month. I struggle to make ends meet! This is horrible! XXXX XXXX just to ", "gold": "debt_collection", "typesafe": [["mortgage", 0.266], ["debt_mgmt", 0.236], ["payday_personal", 0.173]], "count_prior": [["credit_reporting", 0.433], ["vehicle_loan", 0.353], ["debt_collection", 0.206]], "kge_prior": [["debt_collection", 0.276], ["debt_mgmt", 0.211], ["vehicle_loan", 0.21]], "with_count": [["vehicle_loan", 0.633], ["debt_collection", 0.316], ["credit_reporting", 0.046]], "with_both": [["vehicle_loan", 0.581], ["debt_collection", 0.38], ["credit_reporting", 0.035]], "jev_text": "debt_collection", "jev_company": "debt_collection"}, {"id": "23952695", "company": "CAPITAL ONE FINANCIAL CORPORATION", "text": "On XX/XX/year>, I received an incoming domestic wire transfer of {$29000.00} into my Capital One account. Shortly afterward, Capital One restricted my account after being notified of a recall request by the originating bank. Between XXXX and XX/XX/year>, I repeatedly contacted Capital One and provided all requested documentation supporting the legitimacy of the transaction. On XX/XX/year>, Capital One issued a check for approximately {$1200.00}, representing the remaining balance after restricting my account. On XX/XX/year>, the originating bank ( XXXX ) submitted a cancellation of the prior recall request to Capital One before any funds were returned. Despite receiving the cancellation requ", "gold": "money_transfer", "typesafe": [["checking_savings", 0.498], ["money_transfer", 0.388], ["credit_card", 0.044]], "count_prior": [["credit_card", 0.387], ["credit_reporting", 0.329], ["debt_collection", 0.123]], "kge_prior": [["prepaid_card", 0.13], ["credit_card", 0.113], ["money_transfer", 0.112]], "with_count": [["checking_savings", 0.623], ["credit_card", 0.358], ["money_transfer", 0.015]], "with_both": [["checking_savings", 0.593], ["credit_card", 0.387], ["money_transfer", 0.016]], "jev_text": "money_transfer", "jev_company": "money_transfer"}, {"id": "23924512", "company": "CarMax, Inc.", "text": "THEY NEVER PROVIDE EVIDENCE AS THEY SAY COMNUNICATED TO ME THEY CHARGE MULTIPLEWITHDRAW FROM MY BANK ANDC JUST JUSTIFY THAT I REQUESGT IT", "gold": "vehicle_loan", "typesafe": [["credit_card", 0.221], ["checking_savings", 0.22], ["debt_mgmt", 0.122]], "count_prior": [["credit_reporting", 0.497], ["vehicle_loan", 0.313], ["debt_collection", 0.187]], "kge_prior": [["vehicle_loan", 0.334], ["credit_reporting", 0.321], ["debt_collection", 0.301]], "with_count": [["credit_reporting", 0.76], ["debt_collection", 0.167], ["vehicle_loan", 0.073]], "with_both": [["credit_reporting", 0.766], ["debt_collection", 0.157], ["vehicle_loan", 0.076]], "jev_text": "checking_savings", "jev_company": "vehicle_loan"}, {"id": "23979891", "company": "Paypal Holdings, Inc", "text": "I am an XXXX XXXX currently studying in the XXXX XXXX on an active XXXX XXXX XXXX XXXX XXXX XXXX I established a personal account on this platform to manage my local living expenses. On that exact same day, my mother transferred {$2000.00} from her business account in XXXX to my personal account. These funds were sent as a family gift exclusively to cover my upcoming residential rent payment, which is due on XXXX XX/XX/year>. Following the transfer, the platform requested identity verification documents. I immediately provided my passport and local XXXX address verification. On XXXX XX/XX/year>, the platform permanently restricted my account and placed an automatic XXXX hold on the entirety ", "gold": "money_transfer", "typesafe": [["money_transfer", 0.525], ["checking_savings", 0.222], ["prepaid_card", 0.159]], "count_prior": [["money_transfer", 0.764], ["checking_savings", 0.136], ["credit_card", 0.048]], "kge_prior": [["prepaid_card", 0.198], ["money_transfer", 0.173], ["credit_card", 0.129]], "with_count": [["money_transfer", 0.968], ["checking_savings", 0.031], ["credit_card", 0.001]], "with_both": [["money_transfer", 0.984], ["checking_savings", 0.015], ["prepaid_card", 0.001]], "jev_text": "money_transfer", "jev_company": "money_transfer"}, {"id": "24643381", "company": "CITIBANK, N.A.", "text": "XX/XX/XXXX made payment of {$570.00} Was returned and never charged from account. XX/XX/XXXX made payment of {$710.00} Was returned and never charged from account Was contacted by Home Depot credit card services with a past due balance of {$1200.00} Applied credit that was on my account in the amount of {$500.00} bringing my past due balance down to {$780.00}. Attempted a 3rd time to make payment in that amount of {$780.00} and was returned a 3rd time. Made said payment on XX/XX/XXXX and still was returned with a 15 day hold from Citi Bank. XXXXXXXX XXXX has no record of anyone trying to charge my account in these amounts ever. Was told by Home Depot CC services that my routing number was pl", "gold": "credit_card", "typesafe": [["credit_card", 0.456], ["prepaid_card", 0.32], ["payday_personal", 0.058]], "count_prior": [["credit_card", 0.497], ["credit_reporting", 0.195], ["checking_savings", 0.153]], "kge_prior": [["prepaid_card", 0.151], ["money_transfer", 0.126], ["mortgage", 0.116]], "with_count": [["credit_card", 0.977], ["checking_savings", 0.018], ["debt_collection", 0.003]], "with_both": [["credit_card", 0.982], ["checking_savings", 0.014], ["debt_collection", 0.002]], "jev_text": "credit_card", "jev_company": "credit_card"}, {"id": "23925703", "company": "Chime Financial Inc", "text": "I havent ordered anything but was charged XXXX by XXXX. They have not refunded my money and chime keeps denying my disputes even though I havent ordered anything or ever subscribed to this company.", "gold": "credit_card", "typesafe": [["prepaid_card", 0.564], ["money_transfer", 0.243], ["debt_mgmt", 0.06]], "count_prior": [["checking_savings", 0.682], ["money_transfer", 0.143], ["credit_card", 0.083]], "kge_prior": [["prepaid_card", 0.174], ["credit_card", 0.149], ["checking_savings", 0.128]], "with_count": [["checking_savings", 0.608], ["money_transfer", 0.331], ["credit_card", 0.035]], "with_both": [["checking_savings", 0.601], ["money_transfer", 0.324], ["credit_card", 0.041]], "jev_text": "credit_card", "jev_company": "credit_card"}, {"id": "24161367", "company": "Bridgecrest Acceptance Corporation", "text": "I am filing a formal complaint against Bridgecrest Acceptance Corporation XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX AZ XXXX, regarding three repeated invalid checks issued for my loan overpayment following a refinance. The checks, detailed below, include invalid routing numbers not associated with XXXX XXXX, despite the checks listing that bank. XXXX XXXX Check # XXXX XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX XXXX Amount XXXX XXXX XXXXXXXX | XX/XX/year>XXXX | {$310.00} XXXX | XX/XX/year>XXXX | {$310.00} XXXX | XX/XX/year>XXXX | {$310.00} Each check displays a different, non-functional routing number. Despite multiple attempts to resolve this, I have been denied direct access to the account", "gold": "vehicle_loan", "typesafe": [["mortgage", 0.183], ["student_loan", 0.179], ["vehicle_loan", 0.146]], "count_prior": [["credit_reporting", 0.391], ["vehicle_loan", 0.382], ["debt_collection", 0.218]], "kge_prior": [["vehicle_loan", 0.212], ["debt_collection", 0.202], ["credit_reporting", 0.179]], "with_count": [["vehicle_loan", 0.7], ["debt_collection", 0.156], ["credit_reporting", 0.143]], "with_both": [["vehicle_loan", 0.722], ["debt_collection", 0.153], ["credit_reporting", 0.125]], "jev_text": "vehicle_loan", "jev_company": "vehicle_loan"}, {"id": "23922725", "company": "FIRST HAWAIIAN, INC.", "text": "I requested a new ATM/Debit card in XX/XX/XXXX. First Hawaiian Bank told me that they mailed the card on XX/XX/XXXX. When the card didn't arrive after XXXX days, I kept contacting them each week. After XXXX more weeks, they mailed another card and told me to wait. Today, XX/XX/XXXX, XXXX months later, I still have not received a card. On XX/XX/XXXX they changed the card number. I only found out about this when my bills stopped being paid through my card. First Hawaiian Bank has not sent a new card or provided me with the new card information. It is not available in my online account. Since then, I have had trouble paying my bills even online. XXXX XXXX told that they did not know why the num", "gold": "checking_savings", "typesafe": [["prepaid_card", 0.725], ["checking_savings", 0.158], ["credit_card", 0.071]], "count_prior": [["checking_savings", 0.491], ["credit_reporting", 0.206], ["credit_card", 0.076]], "kge_prior": [["credit_card", 0.245], ["checking_savings", 0.215], ["credit_reporting", 0.175]], "with_count": [["checking_savings", 0.961], ["credit_card", 0.026], ["money_transfer", 0.012]], "with_both": [["checking_savings", 0.961], ["credit_card", 0.03], ["money_transfer", 0.009]], "jev_text": "checking_savings", "jev_company": "checking_savings"}, {"id": "24457393", "company": "UNITED SERVICES AUTOMOBILE ASSOCIATION", "text": "My auto loan was due XX/XX/XXXX in which I made the payment and it cleared on the XXXX. My loan payment is up to date and not behind. Then I just noticed that they are pulling on XX/XX/XXXX and XXXX again for the same payment causing me overdraft fees. I contacted loan department and the customer service said there is nothing he can do and there must be a glitch in the system. I have auto pay turn off so I never authorize USAA to even make any additional pulls from my account. The agent that was assisting said I would have to call my bank to get fees waived and nothing he could do. I explained to him its not my problem your system is glitching as he said. I never authorized you guys to even ", "gold": "vehicle_loan", "typesafe": [["vehicle_loan", 0.336], ["payday_personal", 0.213], ["mortgage", 0.13]], "count_prior": [["checking_savings", 0.48], ["credit_reporting", 0.188], ["credit_card", 0.135]], "kge_prior": [["debt_collection", 0.154], ["money_transfer", 0.146], ["credit_card", 0.134]], "with_count": [["checking_savings", 0.735], ["credit_card", 0.144], ["vehicle_loan", 0.086]], "with_both": [["checking_savings", 0.738], ["credit_card", 0.149], ["vehicle_loan", 0.08]], "jev_text": "vehicle_loan", "jev_company": "vehicle_loan"}, {"id": "23886788", "company": "JPMORGAN CHASE & CO.", "text": "I have held a banking relationship with JPMorgan Chase Bank for nearly XXXX years, including personal checking accounts and both personal and business credit cards. Over this period, I have made purchases exceeding {$300000.00} on my Chase credit cards and have consistently paid my balances on time, with no history of delinquency. In XX/XX/XXXX, Chase closed my business credit card account without providing any explanation. At the time of closure, I paid the account down to within {$33.00} of a XXXX balance. Given my long and consistent payment history, this small remaining balance was an inadvertent oversight, not an indication of financial distress or unwillingness to pay. Because the acco", "gold": "credit_card", "typesafe": [["credit_card", 0.654], ["checking_savings", 0.216], ["debt_mgmt", 0.033]], "count_prior": [["checking_savings", 0.352], ["credit_card", 0.255], ["credit_reporting", 0.181]], "kge_prior": [["credit_card", 0.139], ["money_transfer", 0.12], ["prepaid_card", 0.113]], "with_count": [["credit_card", 0.646], ["checking_savings", 0.346], ["credit_reporting", 0.005]], "with_both": [["credit_card", 0.726], ["checking_savings", 0.267], ["credit_reporting", 0.003]], "jev_text": "credit_card", "jev_company": "credit_card"}, {"id": "23795982", "company": "Block, Inc.", "text": "Cashapp refuses to transfer the funds from my old XXXX XXXX XXXX to my current replacement cashtag XXXX XXXXXXXX The new account has been verified with State ID and selfie The new account and old account match the last XXXX of my social security number I do not have access to the old account telephone or email which have all been provided to Cashapp. My social security greater than {$2200.00} is there in the old account and Cashapp can see it They insist I must access the old account but this is not possible for me to do.", "gold": "checking_savings", "typesafe": [["money_transfer", 0.723], ["prepaid_card", 0.14], ["checking_savings", 0.128]], "count_prior": [["money_transfer", 0.638], ["checking_savings", 0.245], ["prepaid_card", 0.054]], "kge_prior": [["prepaid_card", 0.201], ["payday_personal", 0.152], ["credit_card", 0.13]], "with_count": [["money_transfer", 0.955], ["checking_savings", 0.04], ["prepaid_card", 0.005]], "with_both": [["money_transfer", 0.952], ["checking_savings", 0.039], ["prepaid_card", 0.008]], "jev_text": "money_transfer", "jev_company": "money_transfer"}, {"id": "24190664", "company": "Sunbit, Inc.", "text": "I paid off this account in full and closed this account. They keep reporting that its open and im in a derogatory status every month and it shows open. I dispute this on a monthly basis and it will show closed for about XXXX weeks and then they report it as open again.", "gold": "credit_card", "typesafe": [["checking_savings", 0.363], ["credit_card", 0.153], ["money_transfer", 0.108]], "count_prior": [["debt_collection", 0.443], ["credit_reporting", 0.358], ["credit_card", 0.128]], "kge_prior": [["credit_card", 0.257], ["debt_collection", 0.234], ["vehicle_loan", 0.195]], "with_count": [["credit_reporting", 0.604], ["credit_card", 0.267], ["debt_collection", 0.1]], "with_both": [["credit_reporting", 0.532], ["credit_card", 0.339], ["debt_collection", 0.115]], "jev_text": "credit_reporting", "jev_company": "credit_reporting"}, {"id": "24012946", "company": "TRUIST FINANCIAL CORPORATION", "text": ".Our Truist Bank business account was enabled for wire transfer functionality without our authorization or consent. We did not request this feature, nor did we execute any agreement expressly enabling outgoing wire transfers. Unauthorized access and transaction dates were on XX/XX/year> and again on XX/XX/year> on XXXX of my business account XXXX, XXXX and XXXX. The bank was called immediately on both dates, disputes were filed and police report was taken. The bank was able to recover money from SOME of the disputes ; however, we were told that only partial funds or none of the funds were able to be recovered on several others and the disputes were closed, totaling {$170000.00} ( business & ", "gold": "money_transfer", "typesafe": [["money_transfer", 0.529], ["checking_savings", 0.437], ["prepaid_card", 0.023]], "count_prior": [["checking_savings", 0.395], ["credit_reporting", 0.212], ["debt_collection", 0.11]], "kge_prior": [["mortgage", 0.146], ["money_transfer", 0.137], ["credit_card", 0.127]], "with_count": [["checking_savings", 0.959], ["money_transfer", 0.04], ["credit_card", 0.001]], "with_both": [["checking_savings", 0.942], ["money_transfer", 0.056], ["credit_card", 0.001]], "jev_text": "money_transfer", "jev_company": "money_transfer"}], "sparse": {"text only": {"local_acc": 0.58, "frontier": [[0.1, 0.075, 0.597], [0.2, 0.165, 0.628], [0.3, 0.317, 0.667], [0.4, 0.452, 0.683], [0.5, 0.572, 0.705]]}, "text x count prior": 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"student_loan": 0.0011, "vehicle_loan": 0.0067}}, "MoneyLion Inc.": {"n": 389, "count": {"checking_savings": 0.1877, "credit_card": 0.0, "credit_reporting": 0.3393, "debt_collection": 0.2365, "debt_mgmt": 0.0051, "money_transfer": 0.0488, "mortgage": 0.0, "payday_personal": 0.1799, "prepaid_card": 0.0026, "student_loan": 0.0, "vehicle_loan": 0.0}, "kge": {"checking_savings": 0.1256, "credit_card": 0.0257, "credit_reporting": 0.1479, "debt_collection": 0.1939, "debt_mgmt": 0.1081, "money_transfer": 0.1663, "mortgage": 0.0075, "payday_personal": 0.2022, "prepaid_card": 0.0165, "student_loan": 0.0019, "vehicle_loan": 0.0043}}, "Westcreek Financial": {"n": 233, "count": {"checking_savings": 0.0043, "credit_card": 0.03, "credit_reporting": 0.2146, "debt_collection": 0.6009, "debt_mgmt": 0.0129, "money_transfer": 0.0, "mortgage": 0.0, "payday_personal": 0.1159, "prepaid_card": 0.0, "student_loan": 0.0, "vehicle_loan": 0.0215}, "kge": {"checking_savings": 0.004, "credit_card": 0.1971, 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0.0126}}, "SANTANDER HOLDINGS USA, INC.": {"n": 2456, "count": {"checking_savings": 0.07, "credit_card": 0.0122, "credit_reporting": 0.3538, "debt_collection": 0.1995, "debt_mgmt": 0.0012, "money_transfer": 0.0053, "mortgage": 0.0069, "payday_personal": 0.0102, "prepaid_card": 0.0004, "student_loan": 0.0, "vehicle_loan": 0.3404}, "kge": {"checking_savings": 0.137, "credit_card": 0.1017, "credit_reporting": 0.1127, "debt_collection": 0.1207, "debt_mgmt": 0.0556, "money_transfer": 0.1535, "mortgage": 0.1377, "payday_personal": 0.0745, "prepaid_card": 0.0056, "student_loan": 0.0046, "vehicle_loan": 0.0963}}, "TD BANK US HOLDING COMPANY": {"n": 2285, "count": {"checking_savings": 0.2438, "credit_card": 0.2293, "credit_reporting": 0.2691, "debt_collection": 0.1654, "debt_mgmt": 0.0004, "money_transfer": 0.0293, "mortgage": 0.0162, "payday_personal": 0.0048, "prepaid_card": 0.0004, "student_loan": 0.0, "vehicle_loan": 0.0411}, "kge": {"checking_savings": 0.1095, "credit_card": 0.1929, "credit_reporting": 0.0955, "debt_collection": 0.1611, "debt_mgmt": 0.0074, "money_transfer": 0.1103, "mortgage": 0.1419, "payday_personal": 0.0536, "prepaid_card": 0.0083, "student_loan": 0.0083, "vehicle_loan": 0.1114}}, "BARCLAYS BANK DELAWARE": {"n": 2045, "count": {"checking_savings": 0.0249, "credit_card": 0.4621, "credit_reporting": 0.3086, "debt_collection": 0.2005, "debt_mgmt": 0.0015, "money_transfer": 0.001, "mortgage": 0.0, "payday_personal": 0.0015, "prepaid_card": 0.0, "student_loan": 0.0, "vehicle_loan": 0.0}, "kge": {"checking_savings": 0.1272, "credit_card": 0.1796, "credit_reporting": 0.1508, "debt_collection": 0.2031, "debt_mgmt": 0.1082, "money_transfer": 0.0913, "mortgage": 0.0184, "payday_personal": 0.0924, "prepaid_card": 0.0178, "student_loan": 0.0027, "vehicle_loan": 0.0085}}, "Army and Air Force Exchange Service": {"n": 248, "count": {"checking_savings": 0.004, "credit_card": 0.1492, "credit_reporting": 0.3065, "debt_collection": 0.5363, "debt_mgmt": 0.0, 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0.0103}}, "Bread Financial Holdings, Inc.": {"n": 4121, "count": {"checking_savings": 0.0039, "credit_card": 0.3089, "credit_reporting": 0.2822, "debt_collection": 0.3943, "debt_mgmt": 0.0029, "money_transfer": 0.0007, "mortgage": 0.0, "payday_personal": 0.0063, "prepaid_card": 0.0005, "student_loan": 0.0, "vehicle_loan": 0.0002}, "kge": {"checking_savings": 0.13, "credit_card": 0.1961, "credit_reporting": 0.1193, "debt_collection": 0.1663, "debt_mgmt": 0.1248, "money_transfer": 0.0966, "mortgage": 0.0086, "payday_personal": 0.0712, "prepaid_card": 0.0789, "student_loan": 0.0041, "vehicle_loan": 0.0041}}, "Chime Financial Inc": {"n": 4218, "count": {"checking_savings": 0.6826, "credit_card": 0.083, "credit_reporting": 0.0531, "debt_collection": 0.0149, "debt_mgmt": 0.0017, "money_transfer": 0.1427, "mortgage": 0.0, "payday_personal": 0.0073, "prepaid_card": 0.0145, "student_loan": 0.0, "vehicle_loan": 0.0002}, "kge": {"checking_savings": 0.1276, "credit_card": 0.1491, 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On the field opening near to the farm (diagonal to their entrance), where there is a main gate to the field and access to the footpath along Gotherington lane/cleeve road, this light has been out for about a week. It provides lighting and safety for those walking along there. All other lights seem to be working", "gold": "Street light is permanently out", "n_options": 80, "typesafe": [["Overgrown vegetation on path/way", 0.014], ["Pothole in the pavement or footway", 0.014], ["Other issue with a footway/pavement", 0.014]], "count_prior": [["TMC - Defects -CW6 Potholes", 0.2], ["TMC - Defects -other CW6", 0.09], ["TMC - Defects -CW10 Potholes", 0.087]], "with_count": [["Other issue with a footway/pavement", 0.014], ["Overgrown vegetation on path/way", 0.014], ["Pothole in the road", 0.014]], "with_kge": [["Overgrown vegetation on path/way", 0.014], ["Street light is permanently out", 0.014], ["Light is obscured by vegetation", 0.014]], "jev_text": "Street light is permanently out"}, {"id": "10110652", "council": "Herefordshire Council", "text": "Sign missing. Immediately north of speed de-restriction sign on west side of A417 at north end of Stretton Grandison the 'slippery road' sign has fallen off its post.", "gold": "Road traffic signs", "n_options": 16, "typesafe": [["Road traffic signs", 0.071], ["Roads/highways", 0.066], ["Pavements/footpaths", 0.066]], "count_prior": [["Potholes", 0.185], ["Pavements/footpaths", 0.133], ["Other", 0.129]], "with_count": [["Road traffic signs", 0.072], ["Roads/highways", 0.068], ["Pavements/footpaths", 0.068]], "with_kge": [["Road traffic signs", 0.072], ["Traffic lights", 0.067], ["Pavements/footpaths", 0.067]], "jev_text": "Road traffic signs"}, {"id": "10117992", "council": "Bath and North East Somerset Council", "text": "Blocked drains throughout Lansdown Road area. Drain not taking in water. Many local drains are blocked inside or obstructed on the surface and require maintenance. In June, drains were overwhelmed in a storm causing excess surface water to run down Lansdown Road and local flood risk.", "gold": "Blocked drain", "n_options": 37, "typesafe": [["Blocked drain", 0.032], ["Blocked drain surface", 0.032], ["Flooding of a road or pavement", 0.031]], "count_prior": [["Fly-tipping", 0.134], ["Excessive or dangerous littering", 0.082], ["Removal of Weeds", 0.065]], "with_count": [["Blocked drain", 0.032], ["Blocked drain surface", 0.031], ["Flooding of a road or pavement", 0.031]], "with_kge": [["Blocked drain surface", 0.032], ["Blocked drain", 0.032], ["Flooding of a road or pavement", 0.031]], "jev_text": "Blocked drain"}, {"id": "10144013", "council": "Isle of Wight Council", "text": "Debris - Hazardous problem. Debris - Hazardous problem", "gold": "Debris - Hazardous", "n_options": 80, "typesafe": [["Debris - Hazardous", 0.017], ["Debris - Non-Hazardous", 0.016], ["Unlit Bollard Issue Hazardous", 0.014]], "count_prior": [["Abandoned Vehicle", 0.151], ["Rough/Uneven or Surface Issue", 0.105], ["Cleanliness Sub Standard", 0.048]], "with_count": [["Debris - Hazardous", 0.017], ["Debris - Non-Hazardous", 0.016], ["Rough/Uneven or Surface Issue", 0.014]], "with_kge": [["Debris - Hazardous", 0.017], ["Debris - Non-Hazardous", 0.016], ["Unlit Bollard Issue Non Hazard", 0.014]], "jev_text": "Debris - Hazardous"}, {"id": "10117938", "council": "Hounslow Highways", "text": "NOX canisters dumped on pavement on north side of Cornwall Grove adjacent to green metal cabinet. NOX canisters dumped on pavement adjacent green metal cabinet", "gold": "Fly tipping", "n_options": 69, "typesafe": [["Weeds on roads or footpaths", 0.016], ["Domestic Waste - Missed Collection", 0.016], ["Pothole or other defect", 0.016]], "count_prior": [["Fly tipping", 0.428], ["Graffiti or Flyposting (not offensive)", 0.056], ["Street Cleaning Enquiry", 0.05]], "with_count": [["Pothole or other defect", 0.016], ["Weeds on roads or footpaths", 0.016], ["Street Cleaning Enquiry", 0.016]], "with_kge": [["Pothole or other defect", 0.016], ["Weeds on roads or footpaths", 0.016], ["Road obstruction", 0.016]], "jev_text": "Fly tipping"}, {"id": "10148340", "council": "Lambeth Borough Council", "text": "Wheelie bins left on the public pavement permanently. Wheelie bins left on the pavement permanently for months, blocking the passageway and violating Lambeth Council guidelines and UK environmental laws.", "gold": "Rubbish (refuse and recycling)", "n_options": 16, "typesafe": [["Abandoned vehicles", 0.072], ["Pavements/footpaths", 0.069], ["Rubbish (refuse and recycling)", 0.067]], "count_prior": [["Flytipping", 0.345], ["Street cleaning", 0.155], ["Graffiti", 0.12]], "with_count": [["Pavements/footpaths", 0.071], ["Abandoned vehicles", 0.071], ["Rubbish (refuse and recycling)", 0.068]], "with_kge": [["Abandoned vehicles", 0.073], ["Pavements/footpaths", 0.07], ["Rubbish (refuse and recycling)", 0.069]], "jev_text": "Rubbish (refuse and recycling)"}, {"id": "10149643", "council": "Shropshire Council", "text": "Road has become a danger. This road is shocking. I haven't taken my car down here for the very reason this road is dangerous. Had to walk it last week and realised some of the potholes were VERY deep and unmarked too! Whole road needs resurfacing now. Stop sending people out to mark holes - send out with tarmac.", "gold": "Carriageway surface problem", "n_options": 80, "typesafe": [["Other Highways issue", 0.015], ["Other Traffic Signals issue", 0.014], ["Carriageway surface problem", 0.014]], "count_prior": [["Carriageway pothole", 0.124], ["Drain blocked", 0.107], ["Fly Tipping", 0.099]], "with_count": [["Other Highways issue", 0.016], ["Carriageway pothole", 0.015], ["Carriageway surface problem", 0.015]], "with_kge": [["Other Highways issue", 0.015], ["Other Traffic Signals issue", 0.014], ["Carriageway surface problem", 0.014]], "jev_text": "Carriageway pothole"}, {"id": "10138194", "council": "Merton Council", "text": "A Fly-Tip Oxford Avenue. Leaves cleared but bag not taken", "gold": "Fly-Tipping", "n_options": 50, "typesafe": [["Fly-tipping in a Park or Recreation Ground", 0.022], ["Fly-Tipping", 0.021], ["Damaged Footway", 0.021]], "count_prior": [["Fly-Tipping", 0.439], ["Litter or Weeds on a Street", 0.158], ["Abandoned Vehicles", 0.06]], "with_count": [["Fly-Tipping", 0.024], ["Litter or Weeds on a Street", 0.023], ["Abandoned Vehicles", 0.022]], "with_kge": [["Fly-Tipping", 0.022], ["Fly-tipping in a Park or Recreation Ground", 0.022], ["Faulty Manhole Cover on a Path or Pavement", 0.022]], "jev_text": "Fly-Tipping"}, {"id": "10142710", "council": "Essex County Council", "text": "[SWEGP] exposed cable on lighting. Live wires exposed on light, someone could get electrocuted", "gold": "Street lighting", "n_options": 7, "typesafe": [["Street lighting", 0.166], ["Traffic lights", 0.159], ["Trees overhanging roads/paths", 0.14]], "count_prior": [["Potholes", 0.4], ["Roads/highways", 0.25], ["Pavements/footpaths", 0.125]], "with_count": [["Street lighting", 0.167], ["Traffic lights", 0.155], ["Potholes", 0.14]], "with_kge": [["Street lighting", 0.168], ["Traffic lights", 0.155], ["Trees overhanging roads/paths", 0.145]], "jev_text": "Street lighting"}, {"id": "10126949", "council": "Gloucestershire County Council", "text": "TMC - Defects - Other FW6  Surface problem. FW: Abrupt Level Difference 3600mmx300mmx24mm TM: Give and Take Stats required Opposite No 40 (FW6 Abrupt Level Differences)", "gold": "TMC - Defects - Other FW6  Surface", "n_options": 80, "typesafe": [["TMC - Defects - Other FW6  Surface", 0.016], ["TMC - Defects -other CW6", 0.016], ["TMC - Defects -FW6 Potholes", 0.015]], "count_prior": [["TMC - Defects -CW6 Potholes", 0.2], ["TMC - Defects -other CW6", 0.09], ["TMC - Defects -CW10 Potholes", 0.087]], "with_count": [["TMC - Defects - Other FW6  Surface", 0.017], ["TMC - Defects -other CW6", 0.017], ["TMC - Defects -CW6 Potholes", 0.016]], "with_kge": [["TMC - Defects - Other FW6  Surface", 0.017], ["TMC - Defects -CW6 Potholes", 0.016], ["TMC - Defects -other CW6", 0.016]], "jev_text": "TMC - Defects - Other FW6  Surface"}, {"id": "10150073", "council": "Peterborough City Council", "text": "Subsidence and cracking. Subsidence and cracking for 2 miles. This is getting very dangerous for cyclists. Especially when traveling at night. Multiple people use this route for commuting to Peterborough from Whittlesey. I have nearly lost my tyre/wheel in the cracks. Repairs have been completed but very poor quality.", "gold": "Pothole", "n_options": 68, "typesafe": [["Public footpath or cyclepath", 0.017], ["Other public road issue", 0.016], ["Tree is considered to be causing damage", 0.016]], "count_prior": [["General fly tipping", 0.423], ["Abandoned vehicles", 0.062], ["Non offensive graffiti", 0.048]], "with_count": [["Public footpath or cyclepath", 0.017], ["Other public road issue", 0.017], ["Pothole", 0.017]], "with_kge": [["Public footpath or cyclepath", 0.017], ["Public right of way - problem with access or damage", 0.016], ["Pothole", 0.016]], "jev_text": "Pothole"}, {"id": "10153365", "council": "Central Bedfordshire Council", "text": "On the corner. Section of road on the verge side has sunk. Been like it at least two months. Very dangerous as it is on the corner", "gold": "Road Surface", "n_options": 39, "typesafe": [["Road Surface", 0.029], ["Road Potholes", 0.028], ["Vegetation obstructing visibility, footway, road, or sign", 0.028]], "count_prior": [["Fly Tipping", 0.234], ["Road Potholes", 0.105], ["Pavement and Cycle path", 0.095]], "with_count": [["Road Potholes", 0.03], ["Road Surface", 0.03], ["Vegetation obstructing visibility, footway, road, or sign", 0.029]], "with_kge": [["Road Surface", 0.029], ["Fallen branches (over 25mm diameter)", 0.029], ["Road Potholes", 0.029]], "jev_text": "Road Surface"}, {"id": "10140468", "council": "Buckinghamshire Council", "text": "Vehicles in disabled bay without BB displayed. Please inspect the parking of vehicles in the Disabled Bay without badges displayed - there are various vehicles that do this here all day - please add to inspection route.", "gold": "Parking in a restricted space", "n_options": 80, "typesafe": [["Parking in a restricted space", 0.014], ["Other car park issue", 0.014], ["Road sign without a light", 0.014]], "count_prior": [["Flytipping (off-road)", 0.13], ["Pothole", 0.083], ["Road surface", 0.076]], "with_count": [["Parking in a restricted space", 0.015], ["Vehicle abandoned on the public road", 0.014], ["Road sign without a light", 0.014]], "with_kge": [["Road sign without a light", 0.014], ["Parking in a restricted space", 0.014], ["Unauthorised signs", 0.014]], "jev_text": "Parking in a restricted space"}, {"id": "10133083", "council": "Surrey County Council", "text": "Blocking half my driveway cannot get off without driving over pavement. Half of my driveway is blocked - I cannot get my car on or off without driving over the main pavement which is illegal. Also meaning we are unable to use the parking space over the driveway which is needed for my daughter with her young sons. This is a frequent issue with various drivers but this is causing issues since last night car is still there today", "gold": "Parking enforcement", "n_options": 80, "typesafe": [["Any other pavement issue", 0.014], ["Any other road issue", 0.014], ["Other road safety issue", 0.014]], "count_prior": [["Pothole on a road - More than 150mm wide and 40mm deep", 0.215], ["Pothole on a pavement - More than 100mm wide and 20mm deep - Potholes", 0.09], ["Any other tree or roots issue", 0.085]], "with_count": [["Any other pavement issue", 0.014], ["Any other road issue", 0.014], ["Other road safety issue", 0.014]], "with_kge": [["Any other road issue", 0.014], ["Blocked ditch alongside the road", 0.014], ["Any other pavement issue", 0.014]], "jev_text": "Parking enforcement"}, {"id": "10136746", "council": "Brent Council", "text": "Opposite 83 Tadworth Road. Street needs sweeping", "gold": "Street needs sweeping", "n_options": 80, "typesafe": [["Street needs sweeping", 0.017], ["Street cleaning - Street needs sweeping", 0.016], ["Street cleaning - Litter bin needs emptying", 0.014]], "count_prior": [["Fly-tip Medium - Up to medium size van load", 0.15], ["Fly-tip Small - Less than one bag", 0.134], ["Fly-tip Large - More than a van load", 0.123]], "with_count": [["Street needs sweeping", 0.017], ["Street cleaning - Street needs sweeping", 0.017], ["Street cleaning - Grass verges / Shrub beds - Littering", 0.014]], "with_kge": [["Street needs sweeping", 0.016], ["Street cleaning - Street needs sweeping", 0.015], ["Street cleaning - Litter bin needs emptying", 0.015]], "jev_text": "Street cleaning - Street needs sweeping"}, {"id": "10142371", "council": "Bromley Council", "text": "Street light not working. Street light needs fixing please", "gold": "Light Not Working", "n_options": 59, "typesafe": [["Light Not Working", 0.021], ["Sign Light Not Working", 0.021], ["Temporary Traffic Light Issue", 0.02]], "count_prior": [["Flytip", 0.181], ["Litter and Detritus", 0.076], ["Public Litter Bin", 0.066]], "with_count": [["Light Not Working", 0.022], ["Sign Light Not Working", 0.02], ["Road Defect", 0.02]], "with_kge": [["Light Not Working", 0.021], ["Sign Light Not Working", 0.021], ["Temporary Traffic Light Issue", 0.02]], "jev_text": "Light Not Working"}, {"id": "10128686", "council": "Gloucestershire County Council", "text": "TMC - Defects -CW6 Potholes  problem. 15DB Pothole CW 600mm x 300mm x 44mm Road Closure Very Narrow Lane (CW6 Pothole)", "gold": "TMC - Defects -CW6 Potholes", "n_options": 80, "typesafe": [["TMC - Defects -CW6 Potholes", 0.017], ["TMC - Defects -CW10 Potholes", 0.016], ["TMC - Defects -FW6 Potholes", 0.016]], "count_prior": [["TMC - Defects -CW6 Potholes", 0.2], ["TMC - Defects -other CW6", 0.09], ["TMC - Defects -CW10 Potholes", 0.087]], "with_count": [["TMC - Defects -CW6 Potholes", 0.018], ["TMC - Defects -CW10 Potholes", 0.017], ["TMC - Defects -FW6 Potholes", 0.017]], "with_kge": [["TMC - Defects -CW6 Potholes", 0.017], ["TMC - Defects -CW10 Potholes", 0.017], ["TMC - Defects -FW6 Potholes", 0.016]], "jev_text": "TMC - Defects -CW6 Potholes"}, {"id": "10139327", "council": "Gloucestershire County Council", "text": "TMC - Defects - Other FW6  Surface problem. Give and take 28 days footway aburt level difference please lift and relay x1 sunken 900x600x20mm slab number 2 (FW6 Abrupt Level Differences)", "gold": "TMC - Defects - Other FW6  Surface", "n_options": 80, "typesafe": [["TMC - Defects - Footways Slabs", 0.015], ["TMC - Defects - Other FW6  Surface", 0.015], ["TMC - Defects -FW6 Potholes", 0.015]], "count_prior": [["TMC - Defects -CW6 Potholes", 0.2], ["TMC - Defects -other CW6", 0.09], ["TMC - Defects -CW10 Potholes", 0.087]], "with_count": [["TMC - Defects - Other FW6  Surface", 0.016], ["TMC - Defects -CW6 Potholes", 0.016], ["TMC - Defects - Footways Slabs", 0.016]], "with_kge": [["TMC - Defects - Other FW6  Surface", 0.016], ["TMC - Defects -CW6 Potholes", 0.015], ["TMC - Defects - Footways Slabs", 0.015]], "jev_text": "TMC - Defects - Other FW6  Surface"}, {"id": "10139096", "council": "Gloucestershire County Council", "text": "TMC - Defects -FW6 Potholes problem. FWPH STATS REQUIRED 600 X 400 X 26mm STANDARD TM WITH FOOTWAY CLOSURE MARKED (FW6 Pothole)", "gold": "TMC - Defects -FW6 Potholes", "n_options": 80, "typesafe": [["TMC - Defects -FW6 Potholes", 0.017], ["TMC - Defects -CW6 Potholes", 0.016], ["TMC - Defects -CW10 Potholes", 0.016]], "count_prior": [["TMC - Defects -CW6 Potholes", 0.2], ["TMC - Defects -other CW6", 0.09], ["TMC - Defects -CW10 Potholes", 0.087]], "with_count": [["TMC - Defects -CW6 Potholes", 0.017], ["TMC - Defects -FW6 Potholes", 0.017], ["TMC - Defects -CW10 Potholes", 0.017]], "with_kge": [["TMC - Defects -CW6 Potholes", 0.017], ["TMC - Defects -FW6 Potholes", 0.016], ["TMC - Defects -CW10 Potholes", 0.016]], "jev_text": "TMC - Defects -FW6 Potholes"}, {"id": "10116485", "council": "Gloucestershire County Council", "text": "Large sunken area on footpath. On the footpath outside 17 and 19 Churchill way, Mitcheldean. It has been here for a while and is getting progressively worse. I am worried I am going to fall especially in the dark as I have had a few near misses. Yesterday my grandson aged 11 fell completely on his face sustaining cuts to both knees and hands as well as a swollen lip.", "gold": "Other issue with a footway/pavement", "n_options": 80, "typesafe": [["Other issue with the road surface", 0.014], ["Other issue with a footway/pavement", 0.014], ["Other damage to pavement i.e. cobbles, raised mound/surface", 0.014]], "count_prior": [["TMC - Defects -CW6 Potholes", 0.2], ["TMC - Defects -other CW6", 0.09], ["TMC - Defects -CW10 Potholes", 0.087]], "with_count": [["Other issue with the road surface", 0.014], ["Other issue with a footway/pavement", 0.014], ["Pothole in the road", 0.014]], "with_kge": [["Overgrown vegetation on path/way", 0.014], ["Other issue with the road surface", 0.014], ["Other damage to pavement i.e. cobbles, raised mound/surface", 0.014]], "jev_text": "Pothole in the pavement or footway"}, {"id": "10112273", "council": "Rotherham Borough Council", "text": "Large pothole. Large pothole and excessive road surfaces breakup", "gold": "Potholes", "n_options": 18, "typesafe": [["Potholes", 0.069], ["Pavements/footpaths", 0.062], ["Roads/highways", 0.06]], "count_prior": [["Flytipping", 0.219], ["Rubbish (refuse and recycling)", 0.138], ["Pavements/footpaths", 0.087]], "with_count": [["Potholes", 0.07], ["Pavements/footpaths", 0.063], ["Roads/highways", 0.061]], "with_kge": [["Potholes", 0.068], ["Pavements/footpaths", 0.062], ["Abandoned vehicles", 0.061]], "jev_text": "Potholes"}, {"id": "10140176", "council": "Brent Council", "text": "In gully of parking space between 23 & 25 Christchurch Ave. A significant amount of broken glass on the side of the road in gully of parking space between 23 & 25 Christchurch Ave", "gold": "Street cleaning - Street needs sweeping", "n_options": 80, "typesafe": [["Gully - Cover (Damaged or missing)", 0.014], ["Park sign damaged", 0.014], ["Pothole or other road damage", 0.014]], "count_prior": [["Fly-tip Medium - Up to medium size van load", 0.15], ["Fly-tip Small - Less than one bag", 0.134], ["Fly-tip Large - More than a van load", 0.123]], "with_count": [["Pavement damage", 0.014], ["Street needs sweeping", 0.014], ["Pothole or other road damage", 0.014]], "with_kge": [["Gully - Cover (Damaged or missing)", 0.014], ["Pothole or other road damage", 0.014], ["Gully - Blocked (Not Flooded)", 0.014]], "jev_text": "Littering"}, {"id": "10122565", "council": "Northumberland County Council", "text": "Sink covers sank deep into road. Refrain from abusing the system bar been a genuine road defect, this is right at a bus stop, common crossing point poses I big trip hazard by pedestrians or people crossing with prams / wheel chairs", "gold": "Surface Condition", "n_options": 80, "typesafe": [["Crash Barriers - Damaged/Unsafe", 0.014], ["Damaged by vehicles", 0.014], ["Trip Hazard", 0.014]], "count_prior": [["Fly-tipping", 0.144], ["Surface Condition", 0.063], ["Restricted Visibility / Overgrown / Overhanging", 0.058]], "with_count": [["Blocked - Flooding of Road/Path", 0.014], ["Crash Barriers - Damaged/Unsafe", 0.014], ["Potholes", 0.014]], "with_kge": [["Damaged by vehicles", 0.014], ["Trip Hazard", 0.014], ["Blocked - Flooding of Road/Path", 0.014]], "jev_text": "Loose / Raised / Sunken"}, {"id": "10118009", "council": "West Northamptonshire Council", "text": "Fallen tree. Currently there is a fallen tree as you past Harbridges Lane around the bend where the tree is currently in a steep bank. If this can be collected as this has been there since last winter and still this has not been collected.", "gold": "Fallen Tree", "n_options": 55, "typesafe": [["Fallen Tree", 0.023], ["Obstruction (Not Vegetation)", 0.02], ["Blocked Ditch", 0.02]], "count_prior": [["Potholes / Highway Condition", 0.269], ["Restricted Visibility / Overgrown / Overhanging", 0.139], ["Other", 0.06]], "with_count": [["Fallen Tree", 0.023], ["Obstruction (Not Vegetation)", 0.021], ["Potholes / Highway Condition", 0.02]], "with_kge": [["Fallen Tree", 0.023], ["Obstruction (Not Vegetation)", 0.02], ["Blocked Ditch", 0.02]], "jev_text": "Fallen Tree"}, {"id": "10132554", "council": "Gloucester City Council", "text": "Flytipping behind the art wall in Kimbrose Way. Grey plastic bin and a range of bags of household rubbish left behind the Art Wall", "gold": "Flytipping (not witnessed and no evidence likely)", "n_options": 35, "typesafe": [["Litter/rubbish", 0.032], ["Debris on pavement or road", 0.031], ["Spillage after waste collection", 0.031]], "count_prior": [["Flytipping (not witnessed and no evidence likely)", 0.401], ["Overflowing bin", 0.086], ["Litter in street or public area", 0.067]], "with_count": [["Litter in street or public area", 0.032], ["Overflowing bin", 0.032], ["Litter picking bags ready for collection", 0.031]], "with_kge": [["Litter/rubbish", 0.033], ["Debris on pavement or road", 0.031], ["Damaged litter bin", 0.031]], "jev_text": "Regular flytipping (witnessed)"}, {"id": "10144242", "council": "Gloucestershire County Council", "text": "TMC - Defects -CW6 Potholes  problem. 28day with road closure CW pothole 400x350x40mm perm repair (CW6 Pothole)", "gold": "TMC - Defects -CW6 Potholes", "n_options": 80, "typesafe": [["TMC - Defects -CW6 Potholes", 0.016], ["TMC - Defects -CW10 Potholes", 0.016], ["TMC - Defects -FW6 Potholes", 0.016]], "count_prior": [["TMC - Defects -CW6 Potholes", 0.2], ["TMC - Defects -other CW6", 0.09], ["TMC - Defects -CW10 Potholes", 0.087]], "with_count": [["TMC - Defects -CW6 Potholes", 0.018], ["TMC - Defects -CW10 Potholes", 0.017], ["TMC - Defects -FW6 Potholes", 0.017]], "with_kge": [["TMC - Defects -CW6 Potholes", 0.017], ["TMC - Defects -CW10 Potholes", 0.016], ["TMC - Defects -FW6 Potholes", 0.016]], "jev_text": "TMC - Defects -CW6 Potholes"}, {"id": "10139486", "council": "Hounslow Highways", "text": "Opposite 62A henry house. Knocked down keep left bollard", "gold": "unlit bollard knockdown/ missing (non hazardous)", "n_options": 69, "typesafe": [["lit bollard knocked down", 0.018], ["unlit bollard knockdown/ missing (hazardous)", 0.018], ["Bollard Out Of Light", 0.017]], "count_prior": [["Fly tipping", 0.428], ["Graffiti or Flyposting (not offensive)", 0.056], ["Street Cleaning Enquiry", 0.05]], "with_count": [["unlit bollard knockdown/ missing (hazardous)", 0.018], ["lit bollard knocked down", 0.018], ["unlit bollard knockdown/ missing (non hazardous)", 0.017]], "with_kge": [["lit bollard knocked down", 0.018], ["unlit bollard knockdown/ missing (non hazardous)", 0.018], ["Bollard Out Of Light", 0.017]], "jev_text": "lit bollard knocked down"}, {"id": "10130764", "council": "Blackpool Borough Council", "text": "Overflowing bins. Bins overflowing and this seems a common occurrence so might need emptying more often", "gold": "Rubbish (refuse and recycling)", "n_options": 12, "typesafe": [["Rubbish (refuse and recycling)", 0.093], ["Flyposting", 0.087], ["Pavements/footpaths", 0.087]], "count_prior": [["Car parking", 0.163], ["Other", 0.14], ["Potholes", 0.116]], "with_count": [["Rubbish (refuse and recycling)", 0.093], ["Abandoned vehicles", 0.088], ["Pavements/footpaths", 0.087]], "with_kge": [["Rubbish (refuse and recycling)", 0.09], ["Flytipping", 0.089], ["Potholes", 0.088]], "jev_text": "Rubbish (refuse and recycling)"}, {"id": "10121279", "council": "Bristol City Council", "text": "Excessive Littering from Bristol Uni Event. There is lots of strewn rubbish in this area from the Bristol Uni Event.", "gold": "Litter", "n_options": 80, "typesafe": [["Litter", 0.014], ["Damaged (Grit bins)", 0.014], ["General litter", 0.014]], "count_prior": [["Flytipping", 0.372], ["Graffiti", 0.147], ["Litter", 0.051]], "with_count": [["Litter", 0.015], ["Human excrement or vomit", 0.014], ["General litter", 0.014]], "with_kge": [["Litter", 0.015], ["Damaged (Grit bins)", 0.014], ["Human excrement or vomit", 0.014]], "jev_text": "General litter"}, {"id": "10112200", "council": "Gloucestershire County Council", "text": "TMC - Defects - Vegetation problem. PLEASE CUT BACK HEDGE AND VEGATATION SO SIGN CAN BE SEEN 10m 2 WAY TRAFFIC LIGHTS NOT MARKED (Overgrown Hedge)", "gold": "TMC - Defects - Vegetation", "n_options": 80, "typesafe": [["TMC - Defects - Vegetation", 0.015], ["TMC - Defects - Road Markings", 0.014], ["TMC - Defects - Signs & Street Furniture", 0.014]], "count_prior": [["TMC - Defects -CW6 Potholes", 0.2], ["TMC - Defects -other CW6", 0.09], ["TMC - Defects -CW10 Potholes", 0.087]], "with_count": [["TMC - Defects - Vegetation", 0.016], ["TMC - Defects -CW6 Potholes", 0.015], ["TMC - Defects -CW10 Potholes", 0.015]], "with_kge": [["TMC - Defects - Vegetation", 0.015], ["TMC - Defects -CW6 Potholes", 0.015], ["TMC - Defects -CW10 Potholes", 0.015]], "jev_text": "Hedge causing an obstruction or visibility issue"}, {"id": "10125734", "council": "Croydon Borough Council", "text": "Central Library lights left on throughout weekend. Central Library lights left on Friday, Saturday and Sunday nights. Even the bell lights are on now. Thought Croydon Council was bankrupt and the council was meant to be saving council taxpayers\u2019 money? \ud83e\udd14", "gold": "Other", "n_options": 13, "typesafe": [["Street lighting", 0.087], ["Rubbish (refuse and recycling)", 0.079], ["Abandoned vehicles", 0.079]], "count_prior": [["Flytipping", 0.164], ["Trees", 0.119], ["Abandoned vehicles", 0.119]], "with_count": [["Street lighting", 0.086], ["Abandoned vehicles", 0.08], ["Pavements/footpaths", 0.079]], "with_kge": [["Street lighting", 0.085], ["Pavements/footpaths", 0.081], ["Parks/landscapes", 0.08]], "jev_text": "Other"}, {"id": "10149441", "council": "Merton Council", "text": "Litter in Durnsford Rec. Rubbish bags torn open and litter spread all around the play park in Durnsford Rec.", "gold": "Litter or Weeds on a Street", "n_options": 50, "typesafe": [["Litter or litter bins", 0.023], ["Litter Bins on a Street", 0.023], ["Litter or Weeds on a Street", 0.023]], "count_prior": [["Fly-Tipping", 0.439], ["Litter or Weeds on a Street", 0.158], ["Abandoned Vehicles", 0.06]], "with_count": [["Litter or Weeds on a Street", 0.024], ["Litter Bins on a Street", 0.024], ["Litter or litter bins", 0.024]], "with_kge": [["Litter or litter bins", 0.024], ["Litter Bins on a Street", 0.023], ["Litter or Weeds on a Street", 0.022]], "jev_text": "Fly-tipping in a Park or Recreation Ground"}, {"id": "10112450", "council": "Oxfordshire County Council", "text": "Sewridge smell. Horrible drainage smell", "gold": "Blocked Drain / Gully", "n_options": 35, "typesafe": [["Blocked Drain / Gully", 0.033], ["Property Flooding", 0.031], ["Flooding on Road", 0.031]], "count_prior": [["Pothole", 0.22], ["Roads and Carriageways", 0.084], ["Report a tree problem", 0.082]], "with_count": [["Blocked Drain / Gully", 0.034], ["Flooding on Road", 0.032], ["Pothole", 0.032]], "with_kge": [["Blocked Drain / Gully", 0.033], ["Property Flooding", 0.031], ["Flooding on Road", 0.031]], "jev_text": "Blocked Drain / Gully"}, {"id": "10113948", "council": "Merton Council", "text": "Abbey merton mills - pile of litter. Pile of bags and misc items dumped on grass to left of bridge crossing into abbey merton mills", "gold": "Fly-tipping in a Park or Recreation Ground", "n_options": 50, "typesafe": [["Litter or Weeds on a Street", 0.022], ["Litter or litter bins", 0.022], ["Litter Bins on a Street", 0.021]], "count_prior": [["Fly-Tipping", 0.439], ["Litter or Weeds on a Street", 0.158], ["Abandoned Vehicles", 0.06]], "with_count": [["Litter or Weeds on a Street", 0.023], ["Litter Bins on a Street", 0.022], ["Litter or litter bins", 0.022]], "with_kge": [["Litter or litter bins", 0.022], ["Litter or Weeds on a Street", 0.022], ["Clinical Waste on Street", 0.021]], "jev_text": "Fly-Tipping"}, {"id": "10121592", "council": "Warwickshire County Council", "text": "Two small potholes outside 96 lodge road. Two small potholes outside 96 lodge road", "gold": "Pothole", "n_options": 17, "typesafe": [["Pothole", 0.065], ["Gully or manhole defect", 0.063], ["Obstruction or hazard on road", 0.062]], "count_prior": [["Pothole", 0.219], ["Hedges / Trees on road or verge", 0.104], ["Street lighting", 0.102]], "with_count": [["Pothole", 0.067], ["Gully or manhole defect", 0.064], ["Hedges / Trees on road or verge", 0.063]], "with_kge": [["Pothole", 0.064], ["Obstruction or hazard on road", 0.063], ["Gully or manhole defect", 0.062]], "jev_text": "Pothole"}, {"id": "10110734", "council": "Brent Council", "text": "Infront of Lyon Park Ave footpath to railway bridge. Bagged waste next to tree stump . Pavement infront of footpath", "gold": "Fly-tip Small - Less than one bag", "n_options": 80, "typesafe": [["Street tree - Stump removal", 0.014], ["Street tree - Causing pavement damage", 0.014], ["Park littering", 0.014]], "count_prior": [["Fly-tip Medium - Up to medium size van load", 0.15], ["Fly-tip Small - Less than one bag", 0.134], ["Fly-tip Large - More than a van load", 0.123]], "with_count": [["Park littering", 0.014], ["Street tree - Overgrown", 0.014], ["Street needs sweeping", 0.014]], "with_kge": [["Park littering", 0.014], ["Street tree - Stump removal", 0.014], ["Park tree problem", 0.014]], "jev_text": "Fly-tip Small - Less than one bag (Parks)"}, {"id": "10140096", "council": "Surrey County Council", "text": "Fallen branch encroaches on road. A branch has been dumped on the side and causing an obsctruction", "gold": "Tree growth blocking the pavement", "n_options": 80, "typesafe": [["Risk of falling branch", 0.014], ["Blocked ditch alongside the road", 0.014], ["Part of the road or pavement is flooded", 0.014]], "count_prior": [["Pothole on a road - More than 150mm wide and 40mm deep", 0.215], ["Pothole on a pavement - More than 100mm wide and 20mm deep - Potholes", 0.09], ["Any other tree or roots issue", 0.085]], "with_count": [["Risk of falling branch", 0.014], ["Part of the road or pavement is flooded", 0.014], ["Pothole on a road - More than 150mm wide and 40mm deep", 0.014]], "with_kge": [["Blocked ditch alongside the road", 0.015], ["Part of the road or pavement is flooded", 0.014], ["Roots causing hazard on the pavement", 0.014]], "jev_text": "Risk of falling branch"}, {"id": "10113649", "council": "Oxfordshire County Council", "text": "This entire stretch is a disgrace !!. I can't believe this has no live reports, as this stretch of road is an absolute disgrace. It is down to gravel in some places and yet is a main road from Chinnor to Thame. Even travelling at the speed limit for that piece of road, you are being bounced all over the road because of the damage and potholes.", "gold": "Roads and Carriageways", "n_options": 35, "typesafe": [["Flooding on Road", 0.033], ["Footways and Pavement damage", 0.032], ["Current Roadworks - live information", 0.032]], "count_prior": [["Pothole", 0.22], ["Roads and Carriageways", 0.084], ["Report a tree problem", 0.082]], "with_count": [["Flooding on Road", 0.034], ["Footways and Pavement damage", 0.033], ["Roads and Carriageways", 0.032]], "with_kge": [["Flooding on Road", 0.032], ["Unauthorised objects on other highway infrastructure", 0.032], ["Highway Schemes", 0.032]], "jev_text": "Potholes and maintenance"}, {"id": "10132784", "council": "Bristol City Council", "text": "Single leather chair. Single leather chair and cabinet..been there for weeks.", "gold": "Flytipping", "n_options": 80, "typesafe": [["Damaged benches (Street furniture)", 0.015], ["Damaged railing (Street furniture)", 0.014], ["Damaged bollard (Street furniture)", 0.014]], "count_prior": [["Flytipping", 0.372], ["Graffiti", 0.147], ["Litter", 0.051]], "with_count": [["Damaged benches (Street furniture)", 0.014], ["Damaged bollard (Street furniture)", 0.014], ["Damaged railing (Street furniture)", 0.014]], "with_kge": [["Damaged bollard (Street furniture)", 0.015], ["Damaged benches (Street furniture)", 0.015], ["Damaged railing (Street furniture)", 0.014]], "jev_text": "Flytipping"}, {"id": "10138896", "council": "Surrey County Council", "text": "Badly planned unnecessary delays. Brooklands Road is an extremely busy through road at all times. To have one set of Affinity Water Road works is bad enough (especially as I have seen no one working there at all and I live close by so pass often) to have the whole of the roundabout at Wellington Way closed with three way lights causes huge delays - this morning Affinity Water have set up another set of lights near Locke King Road junction just a short distance from the existing works - you simply can not have two sets of lights on Brooklands Road - in rush hour the queues from one set of light", "gold": "Utility company roadworks - Roadworks and road closures", "n_options": 80, "typesafe": [["Any other roadworks issue", 0.014], ["Surrey County Council roadworks", 0.014], ["Any other road issue", 0.014]], "count_prior": [["Pothole on a road - More than 150mm wide and 40mm deep", 0.215], ["Pothole on a pavement - More than 100mm wide and 20mm deep - Potholes", 0.09], ["Any other tree or roots issue", 0.085]], "with_count": [["Any other roadworks issue", 0.015], ["Any other road issue", 0.014], ["Surrey County Council roadworks", 0.014]], "with_kge": [["Any other roadworks issue", 0.014], ["Any other road issue", 0.014], ["Surrey County Council roadworks", 0.014]], "jev_text": "Utility company roadworks - Roadworks and road closures"}, {"id": "10120300", "council": "Bath and North East Somerset Council", "text": "2 kerb stones have come loose outside the Nexus Methodist church. 2 kerb stones have come loose", "gold": "Damage to pavement", "n_options": 37, "typesafe": [["Damage to bins, benches, and infrastructure", 0.029], ["Damage to road", 0.029], ["Fallen tree across road or pavement", 0.028]], "count_prior": [["Fly-tipping", 0.134], ["Excessive or dangerous littering", 0.082], ["Removal of Weeds", 0.065]], "with_count": [["Damage to road", 0.029], ["Objects in the road", 0.029], ["Overhanging Vegetation", 0.029]], "with_kge": [["Damage to bins, benches, and infrastructure", 0.03], ["Damage to road", 0.029], ["Obstructive vegetation", 0.029]], "jev_text": "Damage to pavement"}, {"id": "10124359", "council": "York City Council", "text": "Dangerous Fly Tipping. There is a pile of broken machinery including dangerous broken glass next to the public footpath and road. It poses a risk to pedestrians and cyclists.", "gold": "Flytipping", "n_options": 14, "typesafe": [["Flytipping", 0.081], ["Pavements/footpaths", 0.075], ["Potholes", 0.075]], "count_prior": [["Potholes", 0.221], ["Other", 0.191], ["Road traffic signs", 0.162]], "with_count": [["Flytipping", 0.081], ["Potholes", 0.077], ["Pavements/footpaths", 0.076]], "with_kge": [["Flytipping", 0.08], ["Pavements/footpaths", 0.074], ["Potholes", 0.073]], "jev_text": "Flytipping"}, {"id": "10114786", "council": "Brent Council", "text": "Oldfield rd by essex. Pavement covered in rubbish", "gold": "Fly-tip Large - More than a van load", "n_options": 80, "typesafe": [["Pavement damage", 0.014], ["Street cleaning - Litter bin damaged / Missing", 0.014], ["Street cleaning - Litter bin needs emptying", 0.014]], "count_prior": [["Fly-tip Medium - Up to medium size van load", 0.15], ["Fly-tip Small - Less than one bag", 0.134], ["Fly-tip Large - More than a van load", 0.123]], "with_count": [["Pavement damage", 0.015], ["Street needs sweeping", 0.015], ["Pothole or other road damage", 0.014]], "with_kge": [["Pavement damage", 0.014], ["Pothole or other road damage", 0.014], ["Street cleaning - Litter bin needs emptying", 0.014]], "jev_text": "Littering"}, {"id": "10153595", "council": "Lichfield District Council", "text": "Dangerous road - lacking sufficient traffic calming. The road outside Whittington School (Common Lane) becomes extremely congested during school drop off, and pick up hours. This is due to a number of factors, such as volume of traffic, farm traffic, and most significantly a lack of any traffic calming measures. There are \u2018no parking\u2019 white lines, but these are frequently parked over, blocking the areas for cars to pull into to let others past when cars are parked on the road. Traffic can pass at high speeds (40mph+) with parked cars meaning limited passing space, and people abusing the white ", "gold": "Bad Parking", "n_options": 7, "typesafe": [["Street cleaning", 0.152], ["Flytipping and dumped rubbish", 0.15], ["Street nameplates", 0.147]], "count_prior": [["Litter", 0.486], ["Flytipping and dumped rubbish", 0.286], ["Trees", 0.057]], "with_count": [["Flytipping and dumped rubbish", 0.154], ["Street cleaning", 0.149], ["Street nameplates", 0.145]], "with_kge": [["Street cleaning", 0.157], ["Flytipping and dumped rubbish", 0.154], ["Street nameplates", 0.145]], "jev_text": "Street cleaning"}, {"id": "10120737", "council": "Surrey County Council", "text": "Pothole on a road - More than 150mm wide and more than 40mm deep. We are already aware of this report, please do check back for updates. Alternatively, select \"Get updates\" below to receive an alert when the status changes.", "gold": "Pothole on a road - More than 150mm wide and 40mm deep", "n_options": 80, "typesafe": [["Pothole on a road - More than 150mm wide and 40mm deep", 0.017], ["Pothole on a pavement - More than 100mm wide and 20mm deep - Potholes", 0.016], ["Pothole on a cycle lane - More than 75mm wide and 25mm deep - Potholes", 0.016]], "count_prior": [["Pothole on a road - More than 150mm wide and 40mm deep", 0.215], ["Pothole on a pavement - More than 100mm wide and 20mm deep - Potholes", 0.09], ["Any other tree or roots issue", 0.085]], "with_count": [["Pothole on a road - More than 150mm wide and 40mm deep", 0.018], ["Pothole on a pavement - More than 100mm wide and 20mm deep - Potholes", 0.017], ["Pothole on a cycle lane - More than 75mm wide and 25mm deep - Potholes", 0.015]], "with_kge": [["Pothole on a road - More than 150mm wide and 40mm deep", 0.017], ["Pothole on a pavement - More than 100mm wide and 20mm deep - Potholes", 0.016], ["Pothole on a cycle lane - More than 75mm wide and 25mm deep - Potholes", 0.016]], "jev_text": "Pothole on a road - More than 150mm wide and 40mm deep"}, {"id": "10151622", "council": "Gloucestershire County Council", "text": "TMC - Defects -CW6 Potholes  problem. Pothole CW 700x700x50mm approx Road closure X 1 nsd (CW6 Pothole)", "gold": "TMC - Defects -CW6 Potholes", "n_options": 80, "typesafe": [["TMC - Defects -CW6 Potholes", 0.017], ["TMC - Defects -CW10 Potholes", 0.016], ["TMC - Defects -FW6 Potholes", 0.016]], "count_prior": [["TMC - Defects -CW6 Potholes", 0.2], ["TMC - Defects -other CW6", 0.09], ["TMC - Defects -CW10 Potholes", 0.087]], "with_count": [["TMC - Defects -CW6 Potholes", 0.018], ["TMC - Defects -CW10 Potholes", 0.017], ["TMC - Defects -FW6 Potholes", 0.017]], "with_kge": [["TMC - Defects -CW6 Potholes", 0.017], ["TMC - Defects -CW10 Potholes", 0.017], ["TMC - Defects -FW6 Potholes", 0.016]], "jev_text": "TMC - Defects -CW6 Potholes"}, {"id": "10133468", "council": "Buckinghamshire Council", "text": "Stanley Avenue. Stanley Ave was closed with the residents banned from parking on 21 st Sept. The drains have not been cleared and some are blocked. The road was not swept. What was done, and why were the residents put to such inconvenience in a street where most houses don\u2019t have off road parking?", "gold": "Blocked drain", "n_options": 80, "typesafe": [["Blocked drain", 0.014], ["Vehicle abandoned on the public road", 0.014], ["Emergency Road/Footway - Spillage/obstruction", 0.014]], "count_prior": [["Flytipping (off-road)", 0.13], ["Pothole", 0.083], ["Road surface", 0.076]], "with_count": [["Vehicle abandoned on the public road", 0.015], ["Blocked drain", 0.014], ["Flooding on a road/footpath", 0.014]], "with_kge": [["Emergency Road/Footway - Spillage/obstruction", 0.014], ["Emergency Road/Footway - Footway/verge", 0.014], ["Flooding on a road/footpath", 0.014]], "jev_text": "Blocked drain"}, {"id": "10149570", "council": "Gloucestershire County Council", "text": "TMC - Defects -other CW10 problem. 15MDB CWED 600 X 300 x 42mm MARKED AS NUMBER 5 (CW10 Edge Deterioration)", "gold": "TMC - Defects -other CW10", "n_options": 80, "typesafe": [["TMC - Defects -other CW10", 0.016], ["TMC - Defects -other CW6", 0.016], ["TMC - Defects - Other", 0.015]], "count_prior": [["TMC - Defects -CW6 Potholes", 0.2], ["TMC - Defects -other CW6", 0.09], ["TMC - Defects -CW10 Potholes", 0.087]], "with_count": [["TMC - Defects -other CW6", 0.017], ["TMC - Defects -other CW10", 0.017], ["TMC - Defects -CW6 Potholes", 0.016]], "with_kge": [["TMC - Defects -other CW6", 0.016], ["TMC - Defects -CW6 Potholes", 0.016], ["TMC - Defects -other CW10", 0.016]], "jev_text": "TMC - Defects -other CW10"}, {"id": "10112542", "council": "West Northamptonshire Council", "text": "Footpath damaged. Current footpath is at the edge of the church yard, runs alongside the stream of water where the footpath is blocked currently with bushes and stinging nettles. Customer would like this inspected as this could result in a trip hazard or even for a person to fall within the water.", "gold": "Pothole / Failed Reinstatement", "n_options": 55, "typesafe": [["Blocked - flooding road/path", 0.021], ["Blocked Ditch", 0.02], ["Obstruction (Not Vegetation)", 0.02]], "count_prior": [["Potholes / Highway Condition", 0.269], ["Restricted Visibility / Overgrown / Overhanging", 0.139], ["Other", 0.06]], "with_count": [["Potholes / Highway Condition", 0.021], ["Blocked - flooding road/path", 0.021], ["Obstruction (Not Vegetation)", 0.021]], "with_kge": [["Blocked - flooding road/path", 0.022], ["Blocked Ditch", 0.02], ["Obstruction (Not Vegetation)", 0.02]], "jev_text": "Passage-Obstructed/Overgrown"}, {"id": "10113150", "council": "Bristol City Council", "text": "Trolleys ,suitcase ,loads of bin bags increasing each day. So much rubbish ,dangerous for children on the school run ,lots of rats around", "gold": "Flytipping", "n_options": 80, "typesafe": [["Bin full (parks/playgrounds)", 0.015], ["Litter", 0.014], ["Graffiti/Bus stop needs cleaning", 0.014]], "count_prior": [["Flytipping", 0.372], ["Graffiti", 0.147], ["Litter", 0.051]], "with_count": [["Litter", 0.015], ["Bin full (parks/playgrounds)", 0.015], ["Bin overflowing", 0.014]], "with_kge": [["Bin full (parks/playgrounds)", 0.015], ["Litter", 0.014], ["Pothole large (Roads)", 0.014]], "jev_text": "Flytipping"}, {"id": "10139964", "council": "Brent Council", "text": "Outside 1070 Harrow road. The tree roots are making damage to the pavement, the tree leaves are obstructing.", "gold": "Street tree - Causing pavement damage", "n_options": 80, "typesafe": [["Street tree - Causing pavement damage", 0.016], ["Street tree - Damaged / Dead", 0.015], ["Street tree - Overgrown", 0.015]], "count_prior": [["Fly-tip Medium - Up to medium size van load", 0.15], ["Fly-tip Small - Less than one bag", 0.134], ["Fly-tip Large - More than a van load", 0.123]], "with_count": [["Street tree - Causing pavement damage", 0.016], ["Pavement damage", 0.015], ["Pothole or other road damage", 0.015]], "with_kge": [["Street tree - Causing pavement damage", 0.016], ["Pothole or other road damage", 0.015], ["Street tree - Damaged / Dead", 0.015]], "jev_text": "Street tree - Causing pavement damage"}, {"id": "10135288", "council": "Bristol City Council", "text": "Graffiti on brick wall. More and more tags have been appearing over past few months. I think this wall is owned by council as the flats appear to be some sort of council supported living situation", "gold": "Graffiti", "n_options": 80, "typesafe": [["Graffiti", 0.014], ["Damage to structure (Walls)", 0.014], ["Graffiti/Bus stop needs cleaning", 0.014]], "count_prior": [["Flytipping", 0.372], ["Graffiti", 0.147], ["Litter", 0.051]], "with_count": [["Graffiti", 0.015], ["Damaged (Road signage)", 0.014], ["Damage to structure (Walls)", 0.014]], "with_kge": [["Graffiti", 0.014], ["Damage to structure (Walls)", 0.014], ["Damaged bollard (Street furniture)", 0.014]], "jev_text": "Graffiti"}, {"id": "10117090", "council": "Buckinghamshire Council", "text": "Potholes multiple along this stretch. This defect has been reported previously and I understand that it was assessed as not being a priority. I am asking that this decision now be urgently reviewed because the risk has materially changed. Following recent rainfall, the potholes are filling with water and drivers can no longer judge their depth or severity. As a result, vehicles are braking, swerving and, importantly, crossing onto the opposite carriageway in order to avoid them. On this relatively fast road this is creating a significant and foreseeable risk of a collision, quite apart from th", "gold": "Pothole", "n_options": 80, "typesafe": [["Emergency Road/Footway - Road defect", 0.015], ["Emergency Road/Footway - Spillage/obstruction", 0.015], ["Flooding on a road/footpath", 0.015]], "count_prior": [["Flytipping (off-road)", 0.13], ["Pothole", 0.083], ["Road surface", 0.076]], "with_count": [["Flooding on a road/footpath", 0.015], ["Pothole", 0.015], ["Emergency Road/Footway - Road defect", 0.015]], "with_kge": [["Emergency Road/Footway - Spillage/obstruction", 0.015], ["Emergency Road/Footway - Road defect", 0.015], ["Flooding on a road/footpath", 0.015]], "jev_text": "Pothole"}, {"id": "10134173", "council": "Aberdeenshire Council", "text": "Drain sunken. Small drain has sunk compared to road surface and produce a pothole", "gold": "Gully", "n_options": 45, "typesafe": [["Sinkhole or Subsidence", 0.027], ["Gully or Drain/Ditch Issue (Missing/Broken Cover)", 0.026], ["Pothole", 0.026]], "count_prior": [["Pothole", 0.32], ["Street Light", 0.102], ["Gully", 0.091]], "with_count": [["Pothole", 0.028], ["Sinkhole or Subsidence", 0.027], ["Gully or Drain/Ditch Issue (Missing/Broken Cover)", 0.027]], "with_kge": [["Sinkhole or Subsidence", 0.028], ["Gully or Drain/Ditch Issue (Missing/Broken Cover)", 0.026], ["Pothole", 0.026]], "jev_text": "Pothole"}, {"id": "10123570", "council": "Buckinghamshire Council", "text": "Deer by Knaves beech bus stop. Dead dear on middle of the path by bus stop by Wooburn house on boundary Road", "gold": "Dead animal (off the road)", "n_options": 80, "typesafe": [["Dead animal (on the road)", 0.015], ["Dead animal (off the road)", 0.015], ["Dead/diseased tree", 0.014]], "count_prior": [["Flytipping (off-road)", 0.13], ["Pothole", 0.083], ["Road surface", 0.076]], "with_count": [["Dead animal (off the road)", 0.015], ["Dead animal (on the road)", 0.014], ["Road surface", 0.014]], "with_kge": [["Dead animal (off the road)", 0.015], ["Dead animal (on the road)", 0.015], ["Flooding on a road/footpath", 0.014]], "jev_text": "Dead animal (off the road)"}, {"id": "10142299", "council": "Oxfordshire County Council", "text": "A Footways and Pavement damage problem has been found. A Footways and Pavement damage problem has been found by Oxfordshire County Council the kerb has been totally smashed up and dangerous on the busy road see pictures.", "gold": "Footways and Pavement damage", "n_options": 35, "typesafe": [["Footways and Pavement damage", 0.036], ["Damaged Gully or Catchpit Ironwork", 0.032], ["Flooding on Road", 0.031]], "count_prior": [["Pothole", 0.22], ["Roads and Carriageways", 0.084], ["Report a tree problem", 0.082]], "with_count": [["Footways and Pavement damage", 0.038], ["Roads and Carriageways", 0.033], ["Flooding on Road", 0.032]], "with_kge": [["Footways and Pavement damage", 0.036], ["Damaged Gully or Catchpit Ironwork", 0.032], ["Roads and Carriageways", 0.031]], "jev_text": "Footways and Pavement damage"}, {"id": "10128556", "council": "Surrey County Council", "text": "Sunken Manhole/Access Cover over 20mm. Vehicles are Striking the Cover and it pops up and then strikes Rear Tryes or Next Vehicle.", "gold": "Raised or sunken drain cover deeper than 2cm", "n_options": 80, "typesafe": [["Loose or damaged manhole cover or drain causing a trip hazard on the pavement", 0.015], ["Loose or damaged manhole cover or drain causing a trip hazard on the pavement - Pavements", 0.014], ["Raised or sunken manhole cover deeper than 2cm", 0.014]], "count_prior": [["Pothole on a road - More than 150mm wide and 40mm deep", 0.215], ["Pothole on a pavement - More than 100mm wide and 20mm deep - Potholes", 0.09], ["Any other tree or roots issue", 0.085]], "with_count": [["Pothole on a road - More than 150mm wide and 40mm deep", 0.015], ["Pothole on a pavement - More than 100mm wide and 20mm deep - Potholes", 0.015], ["Loose or damaged manhole cover or drain causing a trip hazard on the pavement - Pavements", 0.015]], "with_kge": [["Slightly damaged, noisy or rocking manhole cover", 0.015], ["Loose or damaged manhole cover or drain causing a trip hazard on the pavement", 0.015], ["Raised or sunken manhole cover deeper than 2cm", 0.014]], "jev_text": "Raised or sunken manhole cover deeper than 2cm"}, {"id": "10147726", "council": "Bristol City Council", "text": "Bed frame, mattress and furniture dumped outside community garden. A wooden bed headboard, mattress, cardboard, black bin bags and various other household items dumped on the pavement.", "gold": "Flytipping", "n_options": 80, "typesafe": [["Damaged benches (Street furniture)", 0.014], ["Damaged bollard (Street furniture)", 0.014], ["Damaged (Grit bins)", 0.014]], "count_prior": [["Flytipping", 0.372], ["Graffiti", 0.147], ["Litter", 0.051]], "with_count": [["Litter", 0.014], ["Damaged benches (Street furniture)", 0.014], ["Abandoned private bikes and bike parts", 0.014]], "with_kge": [["Damaged benches (Street furniture)", 0.014], ["Damaged bollard (Street furniture)", 0.014], ["Damaged (Grit bins)", 0.014]], "jev_text": "Flytipping"}, {"id": "10117429", "council": "Oxfordshire County Council", "text": "1 metre x .75 metre. At least 6 inch deep causing damage needs complete repair", "gold": "Pothole", "n_options": 35, "typesafe": [["Damaged Gully or Catchpit Ironwork", 0.032], ["Vehicle/ Accident Damage", 0.031], ["Potholes and maintenance", 0.031]], "count_prior": [["Pothole", 0.22], ["Roads and Carriageways", 0.084], ["Report a tree problem", 0.082]], "with_count": [["Damaged Gully or Catchpit Ironwork", 0.033], ["Footways and Pavement damage", 0.032], ["Blocked Drain / Gully", 0.032]], "with_kge": [["Damaged Gully or Catchpit Ironwork", 0.032], ["Knocked Down Bollard", 0.031], ["Vehicle/ Accident Damage", 0.031]], "jev_text": "Pothole"}, {"id": "10141181", "council": "Royal Borough of Greenwich", "text": "11Wilton road - Barbershop- Unlicensed furniture on public pavement - Chairs on pavement on a daily basis. Persistent pedestrian obstruction caused by outdoor furniture outside barbershop located at 11 Wilton road SE2 9RH The business has placed chairs on the public pavement in a manner that blocks the walkway and fails to leave the mandatory 2-metre unobstructed gap required by Royal Borough of Greenwich licensing conditions.This obstruction is causing significant issues, including: Pedestrian Hazard: Pedestrians, including those with prams, shopping bags, and young children, are routinely fo", "gold": "Pavements/Footpaths Repairs", "n_options": 17, "typesafe": [["Pavements/Footpaths Repairs", 0.066], ["Street Spillage", 0.063], ["Potholes", 0.063]], "count_prior": [["Fly Tipping", 0.614], ["Litter Bin", 0.055], ["Abandoned vehicles", 0.054]], "with_count": [["Pavements/Footpaths Repairs", 0.067], ["Street Spillage", 0.063], ["Potholes", 0.062]], "with_kge": [["Street Spillage", 0.065], ["Pavements/Footpaths Repairs", 0.065], ["Blocked Roadside Gully", 0.063]], "jev_text": "Pavements/Footpaths Repairs"}], "cost": {"kge_train_min": 51.7, "kge_entities": 5733, "kge_triples": 9628, "kge_epochs": 10}}, "shares": [0.0, 0.05, 0.1, 0.15, 0.2, 0.25, 0.3, 0.35, 0.4, 0.45, 0.5, 0.55, 0.6]}