{"took":180,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":131,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"2101009","_score":20.90857,"_source":{"product":"Mortgage","complaint_what_happened":"We recently we received our discharge of bankruptcy in XXXX 2016. Shortly after receiving the discharge, we received notification from Bank of America that they will be increasing our mortgage payment from {$1700.00} to {$3200.00}. We contacted BOA to either refinance or obtain a loan modification. We were told since we just completed a bankruptcy they could not offer us an option to refinance our home for another 2 years, so we opted for the loan modification. After completing their process, they submitted to us their version of a loan modification. They sent us a congratulations letter stating we were approved for a monthly amount of {$3200.00}. We asked for them to re-evaluate their figures. We can understand they need to accommodate their investors by receiving both principle and interest. Since we know this is an investor situation because BOA does n't even hold the Deed of Trust on our property and neither does their subsidiaries. At some point they purchased our loan, because it was a predatory loan.","date_sent_to_company":"2016-09-08T18:46:04.000Z","issue":"Loan modification,collection,foreclosure","sub_product":"Conventional adjustable mortgage (ARM)","zip_code":"95624","tags":null,"has_narrative":true,"complaint_id":"2101009","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2016-09-08T18:46:03.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["At some point they purchased our <em>loan</em>, <em>because</em> it was a <em>predatory</em> <em>loan</em>."],"issue":["<em>Loan</em> modification,collection,foreclosure"],"company":["<em>BANK</em> OF AMERICA, NATIONAL ASSOCIATION"]},"sort":[20.90857,"2101009"]},{"_index":"complaint-public-v1","_id":"7976634","_score":20.38139,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"Sunday, XX/XX/2023 Predatory Lending It appears that I am the victim of indirect predatory lending. The bank has prevented my account from signing up and enrolling into the \" cash reserve '' option. \n\nThis is not credit based lending and either has intention of preventing, rejecting or approving a veryblow-ball amount due to being a minority. \n\nI attempted to enroll and Ibwas peovided with a error message and the requirement to clntact the bank for a person to make judgemental discretion instead of the ai software computing the information on equal terms and guidelines. \n\nI should still be approved for a regular unsecured credit card, options in other lending including auto loans, recreational loans, and mortgages. The XXXX medical collections and XXXX year old apartment lease collection that should not have been charged given the voluntary discontinuation. \nWe can not consider inquiries from thrbreport because I have to continue applying until I recieve the necessary credit needed. Being rejected makes it appear I'm frivolous. \nThere are not any judgements, bankruptcies, liens. \nBut that's the conspiracy here with this and your not doing anything.","date_sent_to_company":"2023-12-10T10:08:05.000Z","issue":"Getting the loan","sub_product":"Installment loan","zip_code":"45424","tags":null,"has_narrative":true,"complaint_id":"7976634","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRUIST FINANCIAL CORPORATION","date_received":"2023-12-10T09:53:34.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Sunday, XX/XX/2023 <em>Predatory</em> Lending It appears that I am the victim of indirect <em>predatory</em> lending. The <em>bank</em> has prevented my account from signing up and enrolling into the \" cash reserve '' option. \n\nThis is not credit based lending and either has intention of preventing, rejecting or approving a veryblow-ball amount due to being a minority."],"product":["Payday <em>loan</em>, title <em>loan</em>, personal <em>loan</em>, or advance <em>loan</em>"],"issue":["Getting the <em>loan</em>"],"sub_product":["Installment <em>loan</em>"]},"sort":[20.38139,"7976634"]},{"_index":"complaint-public-v1","_id":"2587040","_score":19.855957,"_source":{"product":"Mortgage","complaint_what_happened":"Complaint to cfpb : Homeowner is facing EVICTION from her home of 42 years. Defendant lost the Foreclosure Mediation action, filed in XXXX County NJ Sup. Ct. How she lost the foreclosure case ( through participation in the NJ Mediation Program is a mystery! Defendant is a XXXX year old, single, XXXX woman who is retired, with no income, no employment and no asset. She is a victim of the predatory lending tactics of CHASE Bank XXXX XXXX XXXX XXXX XXXX XXXX. These banks made inappropriate loans to Defendant knowing she could not repay them. Without regard to whether this struggling homeowner could repay the loans or not, CHASE and XXXX XXXX issued a total of 4 loans to her, including 3 HELOCs. These predatory lenders now seek to benefit through foreclosing on this homeowner. The \" banksters '' were clearly at fault, knowing their loans were unconscionable and not fair to Defendant. I an waiting with bated breath for the arrival of uniformed Sheriff Office personnel at my foor, with foreclosure sins. I have nowhere to go. While I am on long waiting lists at several Senior Housing Projects, nothing is currently available. ( I was rejected for residency by one local HUD-subsidized Senior Housing Development because I had to file in Bankruptcy in connection with the Foreclosure case. ( The Bankruptcy case has been dismissed, but the mere fact that a Bankruptcy petition has been filed within 5 (? ) years may continue to bar my applications to other subsidized housing.\nThe prospect of homelessness is especially painful to me because the total amounts the lenders claim are due, were never received by me. I have received no cash, only on paper. The lenders financial documents are confusing. Accounting entries are intentionally erroneous ; obvious instances of 'robo '' signing/forgery even appear in some recorded documents. CHASE 's loan Summary Statement, e.g. is deliberately fraudulent and has been reconstructed and revamped. CHASE blocked advances from its account in XX/XX/XXXX. The XXXX XXXX account includes flagrant overcharges, expensive forced insurance costs and unwarranted fees. The combined indebtedness from the predator banks totals more than {$350000.00}, thus preventing my sale of the Property and leaving no relocation funds for me. I would appreciate the CFPB 's assistance in helping me to delay the public auction of my house/investigate/confirm the actual amounts due/and if possible, save my home Sincerely, XX/XX/XXXX","date_sent_to_company":"2017-07-27T23:45:06.000Z","issue":"Struggling to pay mortgage","sub_product":"Home equity loan or line of credit (HELOC)","zip_code":"070XX","tags":"Older American","has_narrative":true,"complaint_id":"2587040","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2017-07-27T21:54:25.000Z","state":"NJ","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["She is a victim of the <em>predatory</em> lending tactics of CHASE <em>Bank</em> XXXX XXXX XXXX XXXX XXXX XXXX. These <em>banks</em> made inappropriate <em>loans</em> to Defendant knowing she could not repay them. Without regard to whether this struggling homeowner could repay the <em>loans</em> or not, CHASE and XXXX XXXX issued a total of 4 <em>loans</em> to her, including 3 HELOCs. These <em>predatory</em> lenders now seek to benefit through foreclosing on this homeowner."],"sub_product":["Home equity <em>loan</em> or line of credit (HELOC)"]},"sort":[19.855957,"2587040"]},{"_index":"complaint-public-v1","_id":"5489873","_score":19.481058,"_source":{"product":"Student loan","complaint_what_happened":"I was in college XXXX. I was advised to consolidate my loans and they locked me into an 8.25 % interest rate. I struggled to pay my loans after college, I was advised to go into economic hardship forebearance for 3 years. I was also then advised to go into regular forebearance for 3 years. I was in forebearance for 6 years. NO ONE at Sallie Mae or then it became NAVIENT ever explained to me that the interest that accrued would be added to the PRINCIPAL of my loan and then I would get charged 8.25 % on that even higher amount. \" CAPITALIZATION '' is what it was called and I never knew what this meant or the detrimental effects it would have on my loans. My loans started at XXXX and are now {$230000.00}. This is ridiculous. I will be paying these until I die. Sallie Mae and Navient had predatory practices to me with my XXXX loans that they locked me into 8.25 % forever. These loans were further complicated because I could not afford to pay them or keep up with my credit card debt after graduation. I was being sued by XXXX so I was forced to declare bankruptcy. I was told that my loans were not eligible for bankruptcy discharge. The judge ruled that I was not eligible for Chapter 7 to have my credit card debt wiped, but that I must declare chapter 13 and PAY all the XXXX in credit card debt I owed. The IRS put all of my student loans into forebearance again and forced me to pay off my credit cards over a 5 year time frame. \n\nThe credit card companies were also predatory. XXXX especially. They came to my college campus in XXXX and teased us with free XXXX XXXX tshirts to get a credit card and then gave all of us HUGE spending limits. All my friends did the same thing I did. I had NO parental help in college, I was struggling to make it myself. My parents refused to support me financially. I had 2 jobs the entire time in college. \n\nSo my student loans were in forebearance for several years. I was a victim of predatory practices by Sallie Mae/Navient as well as XXXX. The banks have ruined my life. They locked me into 8.25 %. \n\nI never understood that I have private loans -- and someone explained to me that I could switch them over to Federal loans and then I would be eligible for more benefits. I did this and sadly it STARTED OVER my payment clock. So ALL the payments I made do not go towards my XXXX \n\nAlso, because I graduated earlier, I am NOT eligible for the newer XXXX plans. This is ridiculous. \n\nThis system has failed me over and over again. The banks have ruined my life. The banks have had a XXXX XXXX XXXX XXXX for all these years. \n\nI request a review of these issues and some kind of hopeful relief.","date_sent_to_company":"2022-05-17T19:12:51.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"11692","tags":null,"has_narrative":true,"complaint_id":"5489873","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2022-04-24T22:08:53.000Z","state":"NY","company_public_response":null,"sub_issue":"Received bad information about your loan"},"highlight":{"complaint_what_happened":["Sallie Mae and Navient had <em>predatory</em> practices to me with my XXXX <em>loans</em> that they locked me into 8.25 % forever. These <em>loans</em> were further complicated <em>because</em> I could not afford to pay them or keep up with my credit card debt after graduation. I was being sued by XXXX so I was forced to declare <em>bankruptcy</em>. I was told that my <em>loans</em> were not eligible for <em>bankruptcy</em> discharge."],"product":["Student <em>loan</em>"],"sub_product":["Federal student <em>loan</em> servicing"],"sub_issue":["Received bad information about your <em>loan</em>"]},"sort":[19.481058,"5489873"]},{"_index":"complaint-public-v1","_id":"2022369","_score":19.371763,"_source":{"product":"Mortgage","complaint_what_happened":"I demand that Wells Fargo provide me the following documents in that they have no contract with me and do not own the mortgage or home they have violated the SEC rules and regulatins and the FHA laws. They have securitized the loan into hedge funds and continue to harass and threaten even during my bankruptcy. \nI want full accounting of this loan Deed of trust Chain of title full legal servicing of loan full accounting of loan All equity in property Refund of all money submitted for payment by me on this account made Payable to I believe that Wells Fargo Home Mortgage dba : America Servicing Company are not the owners of the note and they have and can not produce the original note because they have securitized the mortgage which is illegal they are committing fraud and perjury. I want to see an official wet ink signature showing where I signed for the loan. This bank has commited fraud on several accounts.Again I am respectfully demanding that the bank show Tila agreement, show the sources used to assign this loan I was bamboozled and a victim of predatory lending. \n\nA complete statement proof of claim. \nproof and view of my wet ink signature on mortgage note Chain of ownership of Loan and or loans Deed of trust Chains of title full legal servicing of loan full accounting of loan money from day of origination to this present moment day and time. A valid proof of claim. \nproof and view of my wet ink signature on mortgage note Chain of ownership of Loan original statement form XXXX on this account Wells Fargo has taken advantage of me and other XXXX home owners across the country. They have falsely certified and submitted ineligible residential mortgage loans for FHA insurance. I want the owners of this company arrested and locked in a prison without bail. I also demand a full refund and XXXX dollars in settlement for pain and suffering and harassment because they violated the FHA laws and used predatory lending practices","date_sent_to_company":"2016-07-20T05:32:10.000Z","issue":"Application, originator, mortgage broker","sub_product":"FHA mortgage","zip_code":"10977","tags":null,"has_narrative":true,"complaint_id":"2022369","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2016-07-20T05:32:10.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["I want to see an official wet ink signature showing where I signed for the <em>loan</em>. This <em>bank</em> has commited fraud on several accounts.Again I am respectfully demanding that the <em>bank</em> show Tila agreement, show the sources used to assign this <em>loan</em> I was bamboozled and a victim of <em>predatory</em> lending. \n\nA complete statement proof of claim."]},"sort":[19.371763,"2022369"]},{"_index":"complaint-public-v1","_id":"9842417","_score":19.111992,"_source":{"product":"Debt collection","complaint_what_happened":"The loan originated in XX/XX/XXXX. It was a XX/XX/XXXX mortgage with Countrywide and Full Spectrum home loans aka \" Piggy- back loans ''. The loan was later transferred to Bank of America and subsequently Real time Resolution, XXXX XXXX XXXX XXXX perhaps in XXXX? Due to the complex nature of theses transfers ; to include the XXXX Attorney General XXXX filing a {$8.00} XXXXXXXX XXXX  lawsuit settlement against Countrywide XXXX Scandal predatory lending practices Loan modifications were enforced by Attorney General XXXX to erase penalties, fees and balloon payments and other predatory practices.The Making Home Affordable ( XXXX ) launched in XX/XX/XXXX, to provide additional assistance to struggling homeowners affected by predatory lending practices. You see, home Loans prior to Bank of America acquisition in XX/XX/XXXX, deceived borrowers by misrepresenting loan terms, and disallowing borrowers ability to pay. The lawsuit claimed loan servicing also charged homeowners who were behind on their mortgages with inflated fees and penalties ( oag.ca.gov, XXXX ) .The settlement included loan modifications who were 60 days or more behind. Due to the above, I felt I was not a part though struggling to make ends meet. I was unaware of my debt status as many transfer of loans took place I did not receive regular bank statements of the second position loan.In fact, Bank of America notified me of the transfer to XXXX XXXX XXXX after a year later. I have not received correspondence from bank of America as they no longer acquired the mortgage effective XXXX. I am a regular account holder of Bank of America for over XXXX plus years. In XXXX, XXXX I received a chapter XXXX discharge. \nIn XXXX, I received letter from XXXX XXXX XXXX ( XXXX ) stating \" if you received a bankruptcy discharge this letter is for informational purposes only '' ( XX/XX/XXXX ). \nIn XX/XX/XXXX, I received a Notice of Default place on several areas of my home. I was ashamed and confused.When I contacted XXXX in XXXX, I was advised to pay a lump sum fee of {$20000.00} plus penalties and interest. I asked why they had not contacted me prior, and was told because I had a XXXX XXXX bankruptcy discharged this does not apply. Meanwhile, the lien in XXXX was placed on my home and in my name at XXXX XXXX recorders office for all to see. I received phone calls and door knocking all hours of the day and night. My mailbox was filled with negative responses regarding the foreclosure sale or quick sale to investors.RTR response was \" We are only interested in your home '' .I immediately sought legal advice. XXXX refused to work with me. In XXXX a Notice of Sale was placed. The original loan amount of {$75000.00} has now exceeded to over XXXX XXXX ( {$200000.00} ) XXXX dollars which includes foreclosure inspections, late fees penalty costs and other unknowns. \nThe attorneys advised me to seek additional legal counsel.When asked for verification of debt from XXXX, I received a summary of foreclosure cost, appraisals costs and \" Investor '' loan purchase dated on XX/XX/XXXX. To this date, I have not received monthly bank statements. \nIn XX/XX/XXXX, I began to investigate what exactly is going on. I visited the local county recorders office. This is what was discovered... \nTo my surprise, on XX/XX/XXXX Countrywide home loans holder of the deed whose address is the same as Bank of America located at XXXX XXXX XXXX, XXXX Florida XXXX assigned Trust unto XXXX XXXX XXXX XXXXThere are so many gaps from XXXX to XXXX and irregularities in how the loan was processed or transferred after XXXX XXXX. I do not receive statements from Bank of America, XXXX XXXX ( XXXX ) nor any entity involved to include new XXXX holder of XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX. \nIt Transparent XXXX XXXX XXXX XXXX  XXXX ), is trying to bi-pass the Attorney Generals Ruling of XXXX by forcing the XXXX original balloon loan along with fees, interests and penalties which is equivalent to XXXX predatory practice ruling. Country wide obligation was to modify those predatory sub-prime loans.This is a continuation of the original predatory practices and should include a statutes of limitations reset.XXXX  is violating the terms. The original terms should not be enforceable due to Countrywide home loan recognized predatory practices..The fact that my primary lender acknowledges the XXXX XXXX in XXXX and has made payment arrangements following the legal requirements post-discharge and sending monthly statements.XXXX  has contested and still contesting the XXXX XXXX which was filed in XX/XX/XXXX. XXXX is trying to enforce the original loan terms and claim that I still owe on a personal liability basis. XXXX is acting above -the-law.This is unethical and a global disgrace. \nDirector Rohit Chopra has recently acknowledged cases similar. He stated '' Some debt collectors, who sat silent for a decade, are now pursuing homeowners on zombie mortgages inflated with interest and fees ''. \" We are making clear that threatening to sue to collect on expired zombie mortgage debt is illegal '' ( XXXX XXXX ). \nTo date, XXXX has hopefully postponed the XX/XX/XXXX Notice of Sale which is set at the XXXX XXXX court house in the next 48 hours. The Next meeting with the Bankruptcy court Judge ruling is set on XXXX XXXX.","date_sent_to_company":"2024-08-22T19:00:47.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Mortgage debt","zip_code":"95758","tags":null,"has_narrative":true,"complaint_id":"9842417","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2024-08-19T05:22:37.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Seized or attempted to seize your property"},"highlight":{"complaint_what_happened":["I asked why they had not contacted me prior, and was told <em>because</em> I had a XXXX XXXX <em>bankruptcy</em> discharged this does not apply. Meanwhile, the lien in XXXX was placed on my home and in my name at XXXX XXXX recorders office for all to see. I received phone calls and door knocking all hours of the day and night."],"company":["<em>BANK</em> OF AMERICA, NATIONAL ASSOCIATION"]},"sort":[19.111992,"9842417"]},{"_index":"complaint-public-v1","_id":"5706685","_score":19.063618,"_source":{"product":"Mortgage","complaint_what_happened":"Carrington mortgage told me I was eligible to apply for 1 ) LOAN MODIFICATION-After Carrinton Mortgage received all my PRIVATE bank statements, XXXX XXXX XXXX LTR , ETC ETC ETC, basically my PRIVATE INFORMATION, they denied my LOAN MODIFICATION APPLICATION 2 ) HOMEOWNER 'S ASSISTANT FUND ( HAF ) XXXXCarrington Mortgage is stating that they DENIED my HAF APPLICATION because they did \" not '' receive a BANKRUPTCY CONSENT LETTER from my attorney XXXX XXXX XXXX XXXX XXXX My attorney AND the HAF attorney BOTH said they have ALREADY sent it to CARRINGTON!!! \n\nAgain there is a HUGE discrepancy and I consider this to be another PREDATORY LOAN TACTIC! \n\n3 ) CARRINTON MORTGAGE IS STATING \" I '' CAN NOT SEND THEM ANY DOCUMENTATION REGARDING MY HAF AND/OR BANKRUPTCY FILE AND/OR CASE WHEN I HAVE PROOF AS ATTACHMENTS THAT I HAVE DONE SO IN THE PAST AND THEY ARE REFUSING TO ACCEPT THE CORRECT DOCUMENTATION SO THEY CAN SAY THEY DIDN'T RECEIVE THE CORRECT DOCUMENTATION IN ORDER FOR THEM TO DENY ALL HOME ASSISTANCE APPLICATIONS","date_sent_to_company":"2022-06-24T22:32:17.000Z","issue":"Applying for a mortgage or refinancing an existing mortgage","sub_product":"VA mortgage","zip_code":"680XX","tags":"Servicemember","has_narrative":true,"complaint_id":"5706685","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CARRINGTON MORTGAGE SERVICES, LLC","date_received":"2022-06-24T21:34:48.000Z","state":"NE","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Carrington mortgage told me I was eligible to apply for 1 ) <em>LOAN</em> MODIFICATION-After Carrinton Mortgage received all my PRIVATE <em>bank</em> statements, XXXX XXXX XXXX LTR , ETC ETC ETC, basically my PRIVATE INFORMATION, they denied my <em>LOAN</em> MODIFICATION APPLICATION 2 ) HOMEOWNER 'S ASSISTANT FUND ( HAF ) XXXXCarrington Mortgage is stating that they DENIED my HAF APPLICATION <em>because</em> they did \" not '' receive a <em>BANKRUPTCY</em> CONSENT LETTER from my attorney XXXX XXXX XXXX XXXX XXXX My attorney AND the HAF attorney"]},"sort":[19.063618,"5706685"]},{"_index":"complaint-public-v1","_id":"3110862","_score":18.936825,"_source":{"product":"Mortgage","complaint_what_happened":"US Bank Home Equity Line Of Credit was taken out in XX/XX/XXXX, made interest only payments, started getting behind because of business failure due to The Great Recession. In a XX/XX/XXXX, was served papers from US Bank by a Sheriff, and was forced into Bankruptcy. While in bankruptcy, banks are not allowed to send statements, but as soon as the discharge was done, US Bank was the first to start sending statements again, so I started making payments again, then the loan ballooned and payment triples and I fell behind. I have been paying as much as I can as I am XXXX since XX/XX/XXXX and am unable to work, was unemployed at the time they gave me the loan, hence I do not have an income nor did I have an income back then but I got the loan anyway. They even stooped as low as taking overdraft and late fees out out of my sons account charging as much as {$400.00} dollars within hours, {$39.00} x10 in less than a few hours until I could get them to stop! All of a sudden US Bank stops sending my statements in XX/XX/XXXX because they say that I did not reaffirm after the bankruptcy and that I had fallen through the cracks as I should not have been sending statements! Finally got to talk to someone about this and was told I have 7 days! I have been paying on this loan for 14 years and have less than {$2000.00} that has gone onto the principal, now they are forcing foreclosure on me again which means I have to hire an Attorney or borrow to pay them which would mean less payment to US Bank. These are predatory loans, the terms for people are overwhelming, corrupt and unfair. Their ability to be able to put fear of losing our houses is unconscionable! I have gone to our local US Bank office to seek assistance and was told \" it's out of our hands, it's been sent to an Attorney ''. This ridiculous! US Bank is not the first in line for my house and my reputation and credit is ruined! I have consulted with credit counselors with no help available. US Bank states that they have the right to receive or reject payments without waiving any of our herein or otherwise, including the right to proceed with foreclosure!","date_sent_to_company":"2018-12-27T19:09:19.000Z","issue":"Struggling to pay mortgage","sub_product":"Home equity loan or line of credit (HELOC)","zip_code":"56401","tags":null,"has_narrative":true,"complaint_id":"3110862","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"U.S. BANCORP","date_received":"2018-12-27T18:08:14.000Z","state":"MN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["US <em>Bank</em> Home Equity Line Of Credit was taken out in XX/XX/XXXX, made interest only payments, started getting behind <em>because</em> of business failure due to The Great Recession. In a XX/XX/XXXX, was served papers from US <em>Bank</em> by a Sheriff, and was forced into <em>Bankruptcy</em>."],"sub_product":["Home equity <em>loan</em> or line of credit (HELOC)"]},"sort":[18.936825,"3110862"]},{"_index":"complaint-public-v1","_id":"2776713","_score":18.922663,"_source":{"product":"Mortgage","complaint_what_happened":"In XXXX my grandmother filed for chapter XXXX bankruptcy. She did not put our home under the bankruptcy and was given a loan modification. This was due to an income change because she had a series of XXXX. She XXXX XXXX in XXXX. Right before she XXXX she was a couple of months behind on her mortgage payments. I contacted the company to resolve the issue and take over the loan. My sister and I applied for a loan modification and it was granted in XXXX of XXXX. When the XXXX payment was to be made the relationship manager assigned to my case do n't send in the payment until further notice because there was a mixup with the paperwork and someone would be in touch with me. The verbal reason I was given after many attempts was that I initiated the payments too early. They then said we skipped steps. I did everything that was asked of me. They then said the debt was discharged in a bankruptcy but the house was n't entered under the bankruptcy. I showed them proof from her lawyer that it was n't. I 've been fighting Ocwen Loan Servicing LLC for the last for years and the company has foreclosed on my home. We 've had this home for over 40 years and I feel there was a predatory scam ran on me to keep the home. We have been at this for years and I just want to retain the home. There was a company that did an initial look into the matter but wanted {$3000.00} with no guarantee of results. The loan amount has gone up to {$150000.00}. XXXX XXXX is the bank that held the loan. We 're raising an XXXX child and teenager and our home is security and stability for the children. When I went to the court to stop the sale the company adjourned the sale and pretended to want to work with me but I had to get in contact with their lawyers to find out that was n't happening. No one contacted me. Every contact was initiated by me.","date_sent_to_company":"2018-01-09T19:39:40.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"083XX","tags":"Servicemember","has_narrative":true,"complaint_id":"2776713","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Ocwen Financial Corporation","date_received":"2018-01-09T18:35:08.000Z","state":"NJ","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["In XXXX my grandmother filed for chapter XXXX <em>bankruptcy</em>. She did not put our home under the <em>bankruptcy</em> and was given a <em>loan</em> modification. This was due to an income change <em>because</em> she had a series of XXXX. She XXXX XXXX in XXXX. Right before she XXXX she was a couple of months behind on her mortgage payments. I contacted the company to resolve the issue and take over the <em>loan</em>. My sister and I applied for a <em>loan</em> modification and it was granted in XXXX of XXXX."]},"sort":[18.922663,"2776713"]},{"_index":"complaint-public-v1","_id":"3787746","_score":18.820036,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"My complaint is about Regions Bank. I had been a customer of Regions for over a decade when I inquired about a home mortgage loan in XXXX. The loan officer explained to me that because of my outstanding student loan debt, I would not qualify for a mortgage but could have an installment loan from Regions. She said once I showed a year of faithful payments on that loan, my credit score would be high enough to qualify for a home loan. But that is not what happened - the hard inquiry lowered my score, I did use the funds to pay down other loans but then had an unreasonably high monthly amount that I was unable to meet due to XXXX XXXXXXXX and related expenses. On XX/XX/XXXX, I called my loan officer to see if we could lower the monthly payments from {$350.00} to {$270.00} for three months. She said she would check and get back to me, but at no point explained that Regions would conduct a hard inquiry on my credit score, which lowered my score even more. Regions denied me for a lower monthly payment even short-term, and therefore I had no choice but to file bankruptcy in XXXX, XXXX. Now my bankruptcy is over a year old, but the hard inquiry placed by Regions without my knowledge or consent remains on my credit report and I remain a renter with disposable income that I would like to spend on a mortgage. \n\nI assert that Regions Bank operates in poor faith and engages in predatory lending practices. I would like that hard inquiry removed from my account and some type of oversight and enforcement over the bank so this does not happen to anyone else.","date_sent_to_company":"2020-08-10T16:49:29.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"63701","tags":null,"has_narrative":true,"complaint_id":"3787746","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"REGIONS FINANCIAL CORPORATION","date_received":"2020-08-10T16:32:09.000Z","state":"MO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["My complaint is about Regions <em>Bank</em>. I had been a customer of Regions for over a decade when I inquired about a home mortgage <em>loan</em> in XXXX. The <em>loan</em> officer explained to me that <em>because</em> of my outstanding student <em>loan</em> debt, I would not qualify for a mortgage but could have an installment <em>loan</em> from Regions. She said once I showed a year of faithful payments on that <em>loan</em>, my credit score would be high enough to qualify for a home <em>loan</em>."]},"sort":[18.820036,"3787746"]},{"_index":"complaint-public-v1","_id":"7637226","_score":18.185333,"_source":{"product":"Mortgage","complaint_what_happened":"The financial institution sent me documents that had the loan numbers and addresses mixed up on my properties. None of the amounts due on the payoffs match the payment histories. They also told me on several recorded phone calls that after receiving a divorce decree they would remove my ex husband from the loan. After receiving this decree, they refused to remove him. They have had me resend the document at least XXXX times and they have not removed him. They have communicated with him and accepted loan modification documents without me. They removed the loan from his credit but they wont remove him from the loan. He is not on title and this has also been sent to them. It was incorrectly recorded originally. The company has been asked to review all of the loans on my XXXX properties because I had mortgage insurance that paid off the loans if I defaulted. The XXXX  number in the loans states the loans dont exist. The note is with a different bank. My loans have been transferred from bank to bank. I had 100 % financing on one property with XXXX who when they closed there business permanently merged my first and second and transferred the loans to XXXX. My loans were inflated {$990.00} XXXX times in XXXX day with no reason. My loans were inflated hundreds of thousands of dollars several times. There was an assignment from XXXX to XXXX XXXX for my second loan XXXX years after XXXX closed their doors. I was able to get XXXX bank to reconvey that loan because it was fraud and they eventually did because I threatened to report them to the government as another bank on the list of predatory lenders. I filed bankruptcy and all my loans were discharged and they are still threatening foreclosure. I asked them to review the loans and gave them specifics as to why the loans are paid off already and their response was sent to me with the loan numbers mixed up with the wrong addresses. The payoff histories have the addresses mixed up also and at XXXX point all the properties have the exact same payment and balance due on the same date. They gave me principal reductions and reversed them. On XXXX property they foreclosed without notice during a modification.","date_sent_to_company":"2023-10-04T00:22:07.000Z","issue":"Closing on a mortgage","sub_product":"Home equity loan or line of credit (HELOC)","zip_code":"89123","tags":null,"has_narrative":true,"complaint_id":"7637226","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SELECT PORTFOLIO SERVICING, INC.","date_received":"2023-10-03T23:56:10.000Z","state":"NV","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Trying to communicate with the company to fix an issue with the loan closing"},"highlight":{"complaint_what_happened":["I was able to get XXXX <em>bank</em> to reconvey that <em>loan</em> <em>because</em> it was fraud and they eventually did <em>because</em> I threatened to report them to the government as another <em>bank</em> on the list of <em>predatory</em> lenders. I filed <em>bankruptcy</em> and all my <em>loans</em> were discharged and they are still threatening foreclosure. I asked them to review the <em>loans</em> and gave them specifics as to why the <em>loans</em> are paid off already and their response was sent to me with the <em>loan</em> numbers mixed up with the wrong addresses."],"sub_product":["Home equity <em>loan</em> or line of credit (HELOC)"],"sub_issue":["Trying to communicate with the company to fix an issue with the <em>loan</em> closing"]},"sort":[18.185333,"7637226"]},{"_index":"complaint-public-v1","_id":"3066699","_score":18.082684,"_source":{"product":"Mortgage","complaint_what_happened":"During my bankruptcy modified my home loan with Green Tree now known as Ditech. I was informed my payment amount of {$1000.00} and paid that amount every since XX/XX/XXXX as advised by bankruptcy attorney and Green Tree. I've never missed a payment since. \n\nMy bankruptcy was discharge in XX/XX/XXXX. The next month I received a letter from Ditech stating that I haven't made a payment since XX/XX/XXXX. That simply isn't true. I have the proof with my banks and Ditech also have indicated on my payment history which is on their website the receipt of the payments. If I mail a payment via 1st class mail they don't process the payments sometimes for up to 2-3 weeks. I attempted to make a payment in XXXX and again in XXXX but was unable because they demand a payment of {$5200.00} for months that I have already paid. \n\nDuring the bankruptcy the mortgage statements came voided of any information up until XX/XX/XXXX. Every time I called the phone never prompted the ability to leave a message and just hung up. I finally spoke with a representative on XX/XX/XXXX, XXXX, and he also indicated that he didn't understand the reasoning for the letter and gave me fax number and address to send a written dispute. \n\nThis matter is very stressful and reeks of predatory loan practices. I view over 3,000 complaints about this organization-XXXX-Green Tree-Ditech- and am very concerned. \n\nPlease help me to resolve this matter. Thank you in advance for investigating this matter.","date_sent_to_company":"2018-11-06T15:17:38.000Z","issue":"Trouble during payment process","sub_product":"FHA mortgage","zip_code":"23832","tags":null,"has_narrative":true,"complaint_id":"3066699","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Ditech Financial LLC","date_received":"2018-11-06T14:36:13.000Z","state":"VA","company_public_response":"Company believes complaint is the result of an isolated error","sub_issue":null},"highlight":{"complaint_what_happened":["This matter is very stressful and reeks of <em>predatory</em> <em>loan</em> practices. I view over 3,000 complaints about this organization-XXXX-Green Tree-Ditech- and am very concerned. \n\nPlease help me to resolve this matter. Thank you in advance for investigating this matter."]},"sort":[18.082684,"3066699"]},{"_index":"complaint-public-v1","_id":"3684011","_score":17.73161,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I purchased a used vehicle from XXXX used car dealership in XXXX of XXXX at over {$14000.00} ( extremely high interest rate from their predatory lending ). The car was financed through Santander Consumer USA bank. I made my payments to them from XXXX until XX/XX/XXXX. With 5 more payments due on the loan, I traded the car into XXXX XXXX XXXX on XX/XX/XXXX where they paid off the remaining balance of the car loan. While XXXX was checking my credit report, they realized that my 6 years of payments to Santander wasnt listed on my credit report. Therefore I contacted Santander to see why it wasnt listed, and they claimed it was removed by my bankruptcy lawyer which is untrue because a lawyer doesnt have the authority to do so, only a creditor ( as in Santander ) can do that. My Chapter XXXX debt consolidation bankruptcy was filed in XXXX of XXXX and DID NOT include the car loan with Santander as I was making those payments directly to Santander. After numerous calls over the years of this loan, Santander refused to supply me with any information on my car loan. Today I was able to have them send me my payment history via email so that I can submit this complaint against this horrible and unprofessional company so that they can do the right thing and report my payments to the credit reporting agencies like they should have been doing for the past 6 years.","date_sent_to_company":"2020-06-04T23:05:19.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"43607","tags":null,"has_narrative":true,"complaint_id":"3684011","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Santander Consumer USA Holdings Inc.","date_received":"2020-06-04T22:44:10.000Z","state":"OH","company_public_response":null,"sub_issue":"Information is missing that should be on the report"},"highlight":{"complaint_what_happened":["I purchased a used vehicle from XXXX used car dealership in XXXX of XXXX at over {$14000.00} ( extremely high interest rate from their <em>predatory</em> lending ). The car was financed through Santander Consumer USA <em>bank</em>. I made my payments to them from XXXX until XX/XX/XXXX. With 5 more payments due on the <em>loan</em>, I traded the car into XXXX XXXX XXXX on XX/XX/XXXX where they paid off the remaining balance of the car <em>loan</em>."]},"sort":[17.73161,"3684011"]},{"_index":"complaint-public-v1","_id":"4687957","_score":17.695116,"_source":{"product":"Mortgage","complaint_what_happened":"The following is a narrative of Bank Fraud pursuant to 18 USC 1344 Ameris Bank knowingly allowed me XXXX XXXX to assume a fraudulent Loan that Bank Officers knew was a fraudulent Loan the Loan was derived by the use of a falsely inflated appraisal. Appraisal Fraud is Mortgage Fraud. Also with a Fraudulent Title Opinion which maliciously slandered my Title what is even more suspicious is that Ameris Bank did not go after individuals who committed the actual Fraud. Those individuals are XXXX XXXX XXXX and XXXX XXXX. \n\nThe following Substantive facts are being provided to illustrate that XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX knew XXXX XXXX XXXX loan was a fraudulent Loan prior to me assuming the loan and four years later after all criminal investigations were completed coerced me into signing a promissory note and a Fraudulent Mortgage Note with the assistance of XXXX XXXX the Attorney for Ameris Bank. \n\n1. On XX/XX/XXXX Lender made a loan to borrower XXXX XXXX XXXX in the principal amount of {$100000.00} using an artice from the XX/XX/XXXX XXXX County Revenue Commission Tax Record Card, with an estimated Fair Market Value of {$130000.00}. Despite the fact, The XXXX County Revenue Commission does not have this XXXX Tax Record Card on le. Instead, the actual XXXX Tax Record Cards Fair Market Value is in the amount of {$110000.00}. Appraisal Fraud is mortgage fraud where the value of a property is deliberately and fraudulently inated to defraud a lending institution, to fund a fraudulent mortgage, which is a Federal Crime Pursuant to 18 U.S.C. 1344.\n\n2. On XX/XX/XXXX Consumer Signed a loan assumption agreement, with XXXX and XXXX XXXX, ( Vice President of Commercial Loans, Ameris Bank XXXX as a stipulation to prevent mortgage loan from going into default and foreclosure. At this time the bank led XXXX XXXX XXXX ( Consumer ) to believe they were not involved with XXXX XXXX XXXX. Who was under Investigation by the XXXX County Sherriff 's Department for mortgage Fraud Schemes. However, it has become very apparent that Ameris Bank including XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX were fully aware of the Mortgage Fraud Scheme committed by XXXX XXXX XXXX prior to me assuming XXXX XXXX XXXX Fraudulent Mortgage Note. I ( XXXX XXXX essentially assumed a fraudulent mortgage, this mortgage is not real and is a counterfeit lien on my property located at highway XXXX in XXXX XXXX Alabama. It is public record that the attorney Ameris Bank used to do the title opinion was a partner of XXXX XXXX XXXX in the Mortgage Fraud Scheme. it is becoming extremely apparent that there was a third partner in this relationship, and that third partner was an ocer in Ameris Bank. \n\n3. On XX/XX/XXXX XXXX XXXX ( Vice President Special Assets Division of Ameris Bank ) emailed to me the In-House Appraisal of XXXX mortgage loan. XXXX XXXX emailed me stating Ameris Bank conducted an in-house property valuation based upon the tax assessed value of the property from the XX/XX/XXXX XXXX County Tax Record Card with a Fair Market Value of {$130000.00}, which is clearly an artice because the XXXX County Revenue Commission does not have this Tax Record Card on le. The actual Tax Record Card on le has a Fair Market Value of {$110000.00} for XX/XX/XXXX. \n\n4. On XX/XX/XXXX Consumer under Coercion and duress by Ameris Banks attorney XXXX XXXX executed a loan assumption note to pay off the balance of a fraudulent Loan # XXXX in the name of XXXX in the amount of {$66000.00} in order to prevent XXXX XXXX loan from going into default which would subsequently lead to Ameris bank foreclosing on Consumers subject property. This is clearly Predatory Lending Mans Rea and XXXX. Ameris Bank including their attorney XXXX XXXX knew prior to me executing a loan assumption agreement that the mortgage was originated within a mortgage fraud scheme, and the banks attorney knew the mortgage was fraudulent. Because of these substantive facts the Bank has violated my constitutional right of the Fifth and Fourteen Amendment and has a false lien on my property and maliciously and fraudulently slandered my title. What is suspicious is that Ameris Bank has not pressed charges against XXXX XXXX XXXX nor the attorney who provided the title opinion. \n\nIn Reference to bankruptcy Case, because XXXX XXXX through XXXX XXXX coerced me into incurring the debt that really wasn't my debt. I missed 3 payments because I explained to XXXX XXXX that because my son is starting his first year of college I may not be able to make the first few payments on time. XXXX XXXX assured me that this would not be a problem ; however, obviously it was a problem because after missing XXXX payments XXXX XXXX and XXXX XXXX began harassing me to make payments and began foreclosure procedures. in order to prevent Ameris Bank from completing the foreclosure process I filed for Bankruptcy protection. \n\nIn the first Bankruptcy case I explained to my first attorney that there is something wrong with this mortgage, because the individual who originated the loan is XXXX XXXX XXXX was arrested for Mortgage Fraud, and I was coerced into signing a mortgage loan to pay off the balance of XXXX XXXX XXXX 's Loan. This attorney would not file an objection to the claim so I voluntarily got the case dismissed because the attorney refused to file a complaint. \n\nI filed a second Bankruptcy case to once again prevent Ameris Bank from foreclosing. In the second bankruptcy case I explained to my attorney that there is something wrong with this mortgage, because the individual who originated the loan is XXXX XXXX XXXX was arrested for Mortgage Fraud, and I was coerced into signing a mortgage loan to pay off the balance of XXXX XXXX XXXX 's Fraudulent Loan. This case lasted a little longer ; however I was not able to get this bankruptcy attorney to file an objection to Ameris Banks claim. subsequently this bankruptcy case was dismissed.\n\nIn the thirds bankruptcy case has lasted longer because I have been learning from the previous two cases. Once again. I explained to my Bankruptcy attorney that there is something wrong with this mortgage, because the individual who originated the loan is XXXX XXXX XXXX who was arrested for Mortgage Fraud, and I was coerced into signing a mortgage loan to pay off the balance of XXXX XXXX XXXX 's Loan. My attorney refused to file the complaint so I took it into my own hands and filed the complaint Pro Se which led to an adversary proceeding. The adversary proceeding was dismissed ; however, it is currently pending appeal.\n\nIt has become increasingly apparent that in the Adversary proceeding XXXX XXXX has relationships with the judges. because the previous judge in the adversary proceeding confirmed that there was an ex parte communication and recused herself. \n\nXXXX XXXX then took over that case, but through my investigation Judge XXXX and XXXX XXXX were both Law Professors teaching Bankruptcy Law. XXXX XXXX who dismissed the Adversary Proceeding and granted Motion for relief from stay suborned several laws and violated my constitutional rights. \n\nXXXX XXXX pursuant to FDIC Regulations has a duty to report fraudulent appraisals and fraudulent Title opinions. XXXX XXXX also Suborned and Trespassed Alabama law 40-15-1, 40-11-1 and 40-7-1 which allows XXXX County Revenue Commissioner to issue one Property Tax Record per year and it must be issued by XX/XX/XXXX. It is very surprising that XXXX XXXX would suborn the law and violate my constitutional Rights, my fifth and Fourteenth Amendment. XXXX XXXX has violated my constitutional rights which will be addressed in my appeal. Also XXXX XXXX made several False Statements to the FDIC ; however he did confirm Ameris Bank used an in-house property valuation with the XXXX XXXX County Tax Record Property Card with a value that supports {$130000.00}. \n\nWhat is very suspicious is that Ameris Bank did not go after XXXX XXXX XXXX nor XXXX XXXX ( who did the fraudulent Title Opinion ) but instead are going after me for a loan I did not apply for. \n\nPlease find article on XXXX XXXX XXXXXXXX XXXX arrest. \nXXXX XXXX XXXX XX/XX/XXXX. \nXXXX : XXXX Please find article on XXXX XXXX XXXX XXXX by Alabama State Bar XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX","date_sent_to_company":"2021-09-02T04:29:33.000Z","issue":"Closing on a mortgage","sub_product":"Other type of mortgage","zip_code":"36303","tags":"Servicemember","has_narrative":true,"complaint_id":"4687957","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERIS BANCORP","date_received":"2021-09-02T04:05:02.000Z","state":"AL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I filed a second <em>Bankruptcy</em> case to once again prevent Ameris <em>Bank</em> from foreclosing. In the second <em>bankruptcy</em> case I explained to my attorney that there is something wrong with this mortgage, <em>because</em> the individual who originated the <em>loan</em> is XXXX XXXX XXXX was arrested for Mortgage Fraud, and I was coerced into signing a mortgage <em>loan</em> to pay off the balance of XXXX XXXX XXXX 's Fraudulent <em>Loan</em>."]},"sort":[17.695116,"4687957"]},{"_index":"complaint-public-v1","_id":"6834555","_score":17.527891,"_source":{"product":"Mortgage","complaint_what_happened":"XX/XX/XXXX To CFPB, I am a victim of predatory lending from XXXX XXXXXXXX XXXX and I need your assistance to get this issue resolved. I am at my wit 's end with it. I've seen it fallen through the cracks despite the fact that XXXX  XXXX was found to be in violation of the SEC rules in defrauding the investors and paid {$28.00} millions of dollars in fees. The loan that was issued on my house was at the other end of that spectrum while the investors were at the starting point with XXXX  XXXX linking us both. This type of loan was the perpetrator of the XXXX housing crashed when thousands and thousands of homeowners have lost their houses and the investors their money. XXXX XXXXXXXX stood in the middle defrauding both the investors and the homeowners to its advantage by keeping the homes and sold them off in foreclosures for fast money and keep the profits to issue more loans. I've tried since XXXX to get this issue resolved with payments and or I could have resumed making payments under a proper loan structure with them and or with the 6 other banks that my case was transferred to over the years but all I have ever encountered was NO or a silent treatment. This could have been resolved within XXXX months the most. However, it has lasted for 16 years because they were either shut down by the government or have gone bankrupt or merged while Ive been charged with the fraudulent amount of the monthly payment with no taxes and insurances compounding in an exorbitant amount of fee accompanied with exorbitant miscellaneous fees that amounted to {$770.00}, XXXX and counting for a mortgage loan in the amount of {$250000.00}. While the loan kept on getting transferred from XXXXXXXX XXXX  to the next and XXXXXXXX XXXX  to the next, the people in charge from the very beginning were all the same till now, 16 years later. There is no excuse for that to happen. It has happened because their agenda was to keep charging me a gigantic amount of money that I wouldnt be able to get out of. This was done with malicious intent just like the loan was initiated with malicious intent to defraud homeowners like me. Each time my attorney contacted me for updates, they were instructed to wait because they were in bankruptcy or this or that. I shouldnt have been charged while they were the ones who have kept me waiting. \nAs per uploaded documents, I refinanced a loan on my house in XXXX with XXXX XXXX XXXX XXXX ( AKA XXXX XXXX XXXX ). However, XXXX years into the loan it was accidentally discovered that the loan was of predatory nature. Then the loan was rescinded in XX/XX/XXXX to XXXX XXXX and to XXXXXXXX XXXX  as the servicer. Therefore, per the Truth-in-Lending law back then before it was amended, no payments were to be made while in that process and no payment was ever missed to that either. Unfortunately both of them ignored the rescision letter that was sent to them. After the required time frame as mandated by the truth-in-lending has passed, I contacted XXXX to verify the status of that rescision letter but no representative couldnt tell me anything at all as my account was moved to another department. I got transferred from one department to the next from one representative to the next and nobody knew nothing about the loan or the account. It has taken about 6 weeks until I was able to get to talk to the person in charge and was told it was that they didnt care about the law and all they were cared about was getting paid. So, I offered to bring my account current by paying in full the missing months, I was told that it was too late no payments will be accepted from me and that the foreclosure process was already initiated and that my house will be taken away from me and put up for auction and I will be put on the streets. There were no notice of foreclosure or remedies or questions asked about why no payments were made. They just went straight ahead and put my house up for auction. It wasnt sold because there was no buyer. This year, they did put up for auction again as of last XXXX in the amount of XXXX. I had to file for a XXXX XXXX bankruptcy to stop the sale when I didnt have to do so because I have had no other debts. I shouldnt have to lose my house because I didnt structure the predatory loan. I was not the loan officer. I shouldnt have to lose my house because I was forced to a debt of a gigantic amount of money by them. They have orchestrated the non-payments. Law is to be followed. I followed the law of the Truth-in-Lending, therefore, I shouldnt be punished for following the law. The loan issued was a never ending loan. Unfortunately back then, I didnt know how to read these mortgage papers and was not told that there will be a balloon payment of the principal to pay in full on the XXXX year. Paying $ XXXX for 29 years with no taxes and no insurance and to pay the principal again on the XXXX year is no joke. This type of loan is ruining the economy of the country and the people. I was told that the amount of fixed for 30 years for the loan to be paid off. \nPlease assist. I understand this has to be sent to the lender which is now NewRez LLC. Again this will go on death ears. I have made them an offer of $ XXXX which is more than the value of the house just XXXX get this issue resolved and avoid having my house going to foreclosure, and be with a local lender so if anything arises I can go and speak to someone fact-to-face. Unfortunatley I got denied by NewRez LLC. They said that they do not negotiate and that the full amount of {$770000.00} at the present time and or more dependent on the date the payment will have to be made to satisfy the loan of {$250000.00}. I have spent roughly {$50000.00} in the home to keep it in good shape in replacing necessary things that were needed despite going through all the ordeal with them. I have done so because I didnt do anything wrong to lose my house to them. They have perpetuated the non-payments by refusing me to catch up on them in the very beginning of the issue because I though maybe they didnt receive the letter. If so, then, Ill be in trouble. I love my house, I care for it, and I appreciate having it. It is my sanctuary, my work place, and where I keep my family safe. Paying for it has been my priority. Now due to the judgement, lien, foreclosure, and bankruptcy, I have become an ineligible to rent. It is also hard to pay {$7000.00} +/mo for the house to fulfil the bankruptcy. This is the payment of a house valued at 1mi+ of dollars. NewRez LLC request is outrageous because it is based on a predatory loan structure that is continued as such. \nTherefore, the predatory nature of the loan is still continues to haunt me down until my blood is complete sucked away out of me. As a customer, I should not have to be put in such a situation. These banks are using their attorneys to XXXX XXXX money from the people. Something needs to be done about this. Im just one case that you may have heard of. Im sure there are thousands of homeowners who might have been in such a situation if they are not in one actually. Are these banks above the law? Although the Trut-in-Lending law was amended in XXXX, my issue has started in XXXX before the amendment and should have been grandfathered in. \n\n\n\nLoan Amount : {$250000.00} XX/XX/XXXX Amount of financed : {$240000.00} Amount credit will cost : XXXX Total of amount to pay after all payments were made as scheduled : XXXX Monthly Payments for 29 years : {$2400.00} approximately Balloon Payment at maturity date : {$180000.00} - XXXX/XXXX/XXXX BANKS : 1. Loan Originator : XXXX XXXX XXXX ( XXXX ) -Closed by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) - XXXX. XXXX XXXX XXXXXXXX -Closed by the SEC XXXX XXXX XXXX. XXXX XXXX XXXX ( XXXX  ) Bankrupt - XXXX XXXX. XXXX XXXX that loan on XX/XX/XXXX after it was assigned to it by XXXX to it on XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX 6. NewRez LLC XXXX - Active and stated XXXX XXXX is the originator. XXXX XXXX was never the loan originator. XXXX XXXX was. \nNONE OF THESE BANKS HAVE A BRANCH IN THE STATE. THEREFORE, NO FACE-TO-FACE COMMUNICATION CAN BE PLACE TO RESOLVE THIS BIG ISSUE.","date_sent_to_company":"2023-04-14T02:24:23.000Z","issue":"Applying for a mortgage or refinancing an existing mortgage","sub_product":"Conventional home mortgage","zip_code":"84601","tags":"Older American","has_narrative":true,"complaint_id":"6834555","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Shellpoint Partners, LLC","date_received":"2023-04-14T02:03:39.000Z","state":"UT","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["It wasnt sold <em>because</em> there was no buyer. This year, they did put up for auction again as of last XXXX in the amount of XXXX. I had to file for a XXXX XXXX <em>bankruptcy</em> to stop the sale when I didnt have to do so <em>because</em> I have had no other debts. I shouldnt have to lose my house <em>because</em> I didnt structure the <em>predatory</em> <em>loan</em>. I was not the <em>loan</em> officer. I shouldnt have to lose my house <em>because</em> I was forced to a debt of a gigantic amount of money by them. They have orchestrated the non-payments."]},"sort":[17.527891,"6834555"]},{"_index":"complaint-public-v1","_id":"2060571","_score":17.451164,"_source":{"product":"Mortgage","complaint_what_happened":"My problem started during the origination process of my loan. I made the error of calling Countrywide Home Loans not knowing about them being a secondary market mortgage lender. At the time this was my first and only home. As much as I thought I knew by protecting my self with a local Real Estate Agent and Broker, resulted in my personal financial economic crisis that has still not repaired or recovered due to the Originating Banks egregious and unlawful behavior. It is no secret that the mortgage industry was ruthless to buyers on the market to the point of breaking all or most of the federal existing laws that were in place as well as State laws. I purchased the Home in Ohio which often ran # XXXX in the country in foreclosures. The bank salesperson placed me with a new realtor who had not before handling me as a purchaser. I had gone through all of the proper steps of touring homes in the neighborhood, making a bid on a home I was interested in, and having a general inspection done. I was not well protected due to the inexperience of the realtor, however it was a stacked deck. The banks were manipulating the appraisals and telling the appraiser what to write the appraisal for regardless of the true value of the home, if they wanted their business. The appraiser never viewed the inside of the house. That fraudulent appraisal gave the bank the vehicle to secure the mortgage lien to the house. I have the general inspection that was done on the house in XX/XX/XXXX. It was bad enough that my current car insurance provider Nationwide would not insure the house. The banking sales person who had an office inside the real estate brokers office found an insurance company to insure the house no matter what. I was going through closing on the loan papers from countrywide with the title person who came to my mothers house after I got home from work at XXXX with no representation by my realtor to make sure things were in order and no bank representative to explain the loan. \nThe title person could not review the loan with me and answer any questions that I had because he did not write the loan. The closing agent was married to the bank manager who over saw the bank salesperson I was dealing with. I told the closing officer that I should not sign the mortgage papers because I was being threatened on loosing my job and would be unable to make the loan payments. He had me sign them and told that to the bank manager he was married to. The bank salesperson called the next day and asked me if I would do anything and everything I could to keep the house financially. I said yes and the loan was processed and closed in 7 to 10 days from purchase agreement to closing and getting keys to the house. I got the keys to the house on XXXX XXXX, XXXX and lost my employment XXXX XXXX, XXXX. I was forced between unemployment and very little money as a single mother of a toddler to struggle with this predatory loan which defaulted due to no money in XXXX XXXX. I received foreclosure papers on XX/XX/XXXX. \nI had to enter into bankruptcy in XXXX XXXX in a XXXX XXXX XXXX. I worked XXXX jobs while managing a toddler through five years of payments of arrearage and current payments through the discharge of the bankruptcy in XX/XX/XXXX. I defaulted again XX/XX/XXXX due to job loss and unemployment kick off resulting in XXXX dollars going to the Mortgage company. During the bankruptcy I was told by another Chapter XXXX attorney not to continue paying on the XXXX origination loan which was the HELOC at variable interest. I like many Countrywide Homeowners were told that the calvary was on the way for the egregious acts done by Countrywide Hpome Loans Mortgage company as well as BAC Home Loans mortgage company who purchased Countrywide in a merger while I was in Bankruptcy and never filed proof of claims. The story is an ongoing mess that never is fix","date_sent_to_company":"2016-08-12T16:57:06.000Z","issue":"Application, originator, mortgage broker","sub_product":"Other mortgage","zip_code":"44095","tags":null,"has_narrative":true,"complaint_id":"2060571","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2016-08-12T16:57:05.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["I was going through closing on the <em>loan</em> papers from countrywide with the title person who came to my mothers house after I got home from work at XXXX with no representation by my realtor to make sure things were in order and no <em>bank</em> representative to explain the <em>loan</em>. \nThe title person could not review the <em>loan</em> with me and answer any questions that I had <em>because</em> he did not write the <em>loan</em>. The closing agent was married to the <em>bank</em> manager who over saw the <em>bank</em> salesperson I was dealing with."],"company":["<em>BANK</em> OF AMERICA, NATIONAL ASSOCIATION"]},"sort":[17.451164,"2060571"]},{"_index":"complaint-public-v1","_id":"2062154","_score":17.427,"_source":{"product":"Consumer Loan","complaint_what_happened":"On Friday, XXXX XXXX, 2016, there was an un-authorized transaction in the amount of {$1100.00} from Speedy Cash. I never authorized Speedy Cash to use my card ending XXXX to pay for this loan. \n\nIn the past I had a loan with speedy cash that was paid for in full, and one of the payments made on that loan was made by my card ending in XXXX. NEVER did I sign anything from Speedy Cash authorizing them to use this card for future payments, nor do they give you a warning saying this card will be and/or can be used for future payments. \n\nI took out a XXXX loan from Speedy Cash around XX/XX/XXXX or XX/XX/2016, NOT once did I provide them or authorize them to use my card ending in XXXX. I provided them with a different card number. I then let Speedy Cash know that I have retained an attorney and I am in the process of filing a Chapter XXXX bankruptcy. They refused to stop taking money from my acct because a bankruptcy case has not been filed, and this forced me to close my bank account with another financial institution because of their predatory practices. \n\nI contacted Speedy Cash and spoke with XXXX in the Bankruptcy Dept of Speedy Cash and she refused to reverse the transaction saying I authorized them to use this card. I attempted to explain that I DID NOT authorize them to use this card of this loan, and she told me because I used this card once on their website it authorizes them to use this card for payment. I told them NO where did I sign anything saying they can keep that card on file, it was a one time payment with this card. She did not care and kept repeating that I authorized them to use this card. \n\nThis company preys on people and uses deceptive practices to take money from authorized accounts, they have been informed and have been provided my attorney 's information which obviously they could care less. The money they took belonged to my husband and was from HIS paycheck and not mine. This was money to pay for our rent, children 's school supplies, clothes and groceries until the next payday. \n\nI am respectfully requesting that this transaction be reversed and funds be deposited back into my account immediately.","date_sent_to_company":"2016-08-13T22:58:32.000Z","issue":"Problems when you are unable to pay","sub_product":"Installment loan","zip_code":"765XX","tags":null,"has_narrative":true,"complaint_id":"2062154","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CURO Intermediate Holdings","date_received":"2016-08-13T22:58:32.000Z","state":"TX","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["They refused to stop taking money from my acct <em>because</em> a <em>bankruptcy</em> case has not been filed, and this forced me to close my <em>bank</em> account with another financial institution <em>because</em> of their <em>predatory</em> practices. \n\nI contacted Speedy Cash and spoke with XXXX in the <em>Bankruptcy</em> Dept of Speedy Cash and she refused to reverse the transaction saying I authorized them to use this card."],"product":["Consumer <em>Loan</em>"],"sub_product":["Installment <em>loan</em>"]},"sort":[17.427,"2062154"]},{"_index":"complaint-public-v1","_id":"9848553","_score":17.370743,"_source":{"product":"Debt collection","complaint_what_happened":"The loan originated in XX/XX/XXXX. It was a XX/XX/XXXX mortgage with XXXX and Full Spectrum home loans aka \" Piggy- back loans ''. The loan was later transferred to XXXX XXXX XXXX and subsequently Real time Resolution, XXXX XXXX XXXX XXXX perhaps in XXXX? Due to the complex nature of theses transfers ; to include the XXXX Attorney General XXXX filing a {$8.00} XXXX dollar lawsuit settlement against XXXX subprime Scandal predatory lending practices Loan modifications were enforced by Attorney General XXXX to erase penalties, fees and balloon payments and other predatory practices.The Making Home Affordable ( XXXX ) launched in XX/XX/XXXX, to provide additional assistance to struggling homeowners affected by predatory lending practices. You see, home Loans prior to XXXX XXXX XXXX acquisition in XX/XX/XXXX, deceived borrowers by misrepresenting loan terms, and disallowing borrowers ability to pay. The lawsuit claimed loan servicing also charged homeowners who were behind on their mortgages with inflated fees and penalties ( oag.ca.gov, XXXX ) .The settlement included loan modifications who were 60 days or more behind. Due to the above, I felt I was not a part though struggling to make ends meet. I was unaware of my debt status as many transfer of loans took place I did not receive regular bank statements of the second position loan.In fact, XXXX XXXXXXXX XXXX notified me of the transfer to Real Time Resolution after a year later. I have not received correspondence from XXXX XXXX  XXXX as they no longer acquired the mortgage effective XXXX. I am a regular account holder of Bank XXXX XXXX for over XXXX plus years. In XXXX, XXXX I received a chapter XXXX discharge. \nIn XXXX, I received letter from Real Time Resolution ( RTR ) stating \" if you received a bankruptcy discharge this letter is for informational purposes only '' ( XX/XX/XXXX ). \nIn XX/XX/XXXX, I received a Notice of Default place on several areas of my home. I was ashamed and confused.When I contacted XXXX in XXXX, I was advised to pay a lump sum fee of {$20000.00} plus penalties and interest. I asked why they had not contacted me prior, and was told because I had a XXXX XXXX XXXX discharged this does not apply. Meanwhile, the lien in XXXX was placed on my home and in my name at the county recorders office for all to see. I received phone calls and door knocking all hours of the day and night. My mailbox was filled with negative responses regarding the foreclosure sale or quick sale to investors.RTR response was \" We are only interested in your home '' XXXX immediately sought legal advice. RTR refused to work with me. In XXXX a Notice of Sale was placed. The original loan amount of {$75000.00} has now exceeded to over XXXX XXXX ( {$200000.00} ) XXXX dollars which includes foreclosure inspections, late fees penalty costs and other unknowns. \nThe attorneys advised me to seek additional legal counsel.When asked for verification of debt from RTR, I received a summary of foreclosure cost, appraisals costs and \" Investor '' loan purchase dated on XX/XX/XXXX. To this date, I have not received monthly bank statements. \nIn XX/XX/XXXX, I began to investigate what exactly is going on. I visited the XXXX XXXX recorders office. This is what was discovered... \nTo my surprise, on XX/XX/XXXX XXXX home loans holder of the deed whose address is the same as Bank XXXX XXXX located at XXXX XXXX XXXX, XXXX Florida XXXX assigned Trust unto XXXX XXXX XXXX XXXX are so many gaps from XXXX to XXXX and irregularities in how the loan was processed or transferred after XXXX XXXX. I do not receive statements from XXXX XXXX  XXXX, RealTime Resolution ( RTR ) nor any entity involved to include new XXXX XXXX of XX/XX/XXXX RRA CP OPPORTUNITY TRUST XXXX. \nIt Transparent Real Time ResoLution ( RTR ), is trying to bi-pass the Attorney Generals Ruling of XXXX by forcing the XXXX original balloon loan along with fees, interests and penalties which is equivalent to XXXX predatory practice ruling. Country wide obligation was to modify those predatory sub-prime loans.This is a continuation of the original predatory practices and should include a statutes of limitations reset.RTR is violating the terms. The original terms should not be enforceable due to XXXX home loan recognized predatory practices..The fact that my primary lender acknowledges the XXXX XXXXdischarge in XXXX and has made payment arrangements following the legal requirements post-discharge and sending monthly statements..RTR has contested and still contesting XXXX chapter XXXX which was filed in XX/XX/XXXX. RTR is trying to enforce the original loan terms and claim that I still owe on a personal liability basis. RTR is acting above -the-law.This is unethical and a global disgrace. \nXXXX XXXX XXXX has recently acknowledged cases similar. He stated '' Some debt XXXX, who sat silent for a decade, are now pursuing homeowners on zombie mortgages inflated with interest and fees ''. \" We are making clear that threatening to sue to collect on expired zombie mortgage debt is illegal '' ( XXXX XXXX ). \nTo date, RTR has hopefully postponed the XX/XX/XXXX Notice of Sale which is set at the XXXX XXXX court house in the next XXXX hours. The Next meeting with the Bankruptcy court XXXX ruling is set on XXXX XXXX.","date_sent_to_company":"2024-08-19T19:29:14.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Mortgage debt","zip_code":"95758","tags":null,"has_narrative":true,"complaint_id":"9848553","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Real Time Group, Inc.","date_received":"2024-08-19T03:15:12.000Z","state":"CA","company_public_response":null,"sub_issue":"Seized or attempted to seize your property"},"highlight":{"complaint_what_happened":["The Next meeting with the <em>Bankruptcy</em> court XXXX ruling is set on XXXX XXXX."]},"sort":[17.370743,"9848553"]},{"_index":"complaint-public-v1","_id":"3314999","_score":17.246796,"_source":{"product":"Mortgage","complaint_what_happened":"Consumer Financial Protection Bureau Submit a complaintComplaint filed Your complaint Complaint Number XXXX Step 1 What product or service is your complaint about?\n\nPRODUCT OR SERVICE Mortgage TYPE Conventional home mortgage Step 2 What type of problem are you having? \n\nISSUE Trouble during payment process HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY? \nYes Step 3 What happened? \n\nWe got in to a predatory lending .We got the home in XXXX for XXXX paying XXXX XXXX XXXX XXXX a month we been ask for a mod but in XXXX the rear was XXXX the home they started to foreclosure on it I filed a bankruptcy to stop and keep ask for a mod they told me to pay XXXX I pay it for 3 months then the cont. to persuade the foreclosure and refuse take the next month in XXXX they file again I filed a bankruptcy again the start cont to file and then in XXXX while Im still ask for the mod we keep filling bankruptcy and keep asking for the mod summit document after documents no answer we never had a day in court because we in bankruptcy the bankruptcy was discharged in XX/XX/XXXX and the court give them a sale date for XX/XX/XXXX now the home is to be for sale on that date the home has change lender able loan serving, littion loan services, ocwen loan serving now PHH loan servicing and they just send me help paperwork out XX/XX/XXXX and I just get home for the hospital try contact the wit HUD counselor On today and they refuse to help the still say we own XXXX in rears and we never pay or their no loan of a payment of XXXX it was XXXX and the give us a loan mod for XXXX at 2 percent and they send out a letter tell us we at the lost amount we never received anything form the but foreclosure paperwork and we was not in predatory lending they still say we own XXXX and they did receive some payment and keep say XXXX payment I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. \n\nThe CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps. \n\n\n\n\n\n\nWhat would be a fair resolution to this issue? \n\nStop the foreclosure and the sale date and review they account and place us on that XXXX loan mod they say we was given, and tell us how they going file foreclosure with a four year old file with the same people or give us our date in court because in XXXX the case was to be close do to no active on the case and the people that foreclosure on received some payments in XXXX form us after a couple months later they refuse to take our payment a payment in XXXX and the keep refuse payment after some months Step 4 What company is this complaint about? \n\nCOMPANY INFORMATION PHH MORTGAGE SERVICES ACCOUNT NUMBER XXXX Step 5 What people are involved? \n\n\nYOUR CONTACT INFORMATION XXXX XXXX XXXX XXXX ADDITIONAL PERSON 'S INFORMATION XXXX XXXX XXXX XXXX XXXX ALLOW THIS PERSON ACCESS TO THE COMPLAINT? \nYes About us The CFPB is an independent federal agency built to protect consumers. We write and enforce rules that keep banks and other financial companies operating fairly. We also educate and empower consumers, helping them make more informed choices to achieve their financial goals.","date_sent_to_company":"2019-07-23T07:41:14.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"20747","tags":null,"has_narrative":true,"complaint_id":"3314999","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Ocwen Financial Corporation","date_received":"2019-07-23T03:16:36.000Z","state":"MD","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["<em>bankruptcy</em> and keep asking for the mod summit document after documents no answer we never had a day in court <em>because</em> we in <em>bankruptcy</em> the <em>bankruptcy</em> was discharged in XX/XX/XXXX and the court give them a sale date for XX/XX/XXXX now the home is to be for sale on that date the home has change lender able <em>loan</em> serving, littion <em>loan</em> services, ocwen <em>loan</em> serving now PHH <em>loan</em> servicing and they just send me help paperwork out XX/XX/XXXX and I just get home for the hospital try contact the wit HUD counselor"]},"sort":[17.246796,"3314999"]},{"_index":"complaint-public-v1","_id":"2378190","_score":17.158947,"_source":{"product":"Mortgage","complaint_what_happened":"Problem is with 2nd mortgage ( HELOC ) that is with Bank of America ( BOA ). I was divorced XXXX. I was awarded the house in the divorce so of course I owe 1st and 2nd mortgages, but X 's name remains on loan at BOA since it was never required to be refinanced. I have always made every payment in full ( or more ) and on time for both 1st and 2nd. X filed bankruptcy and was discharged in mid XXXX. HELOC with BOA matured with ENTIRE balance $ XXXX due XX/XX/XXXX ( which was a predatory loan to begin with! ). Monthly auto-payments of {$350.00} ( which was min payment due plus extra to help pay down the principal ) have been on auto pay for years and continue to this day ( because I was n't informed loan matured ). BOA has accepted every payment. No one at BOA ever contacted me about the loan maturing until XX/XX/XXXX when a \" pay $ XXXX in 30 days or we 'll foreclose '' letter arrived. I called BOA immediately to resolve, and have spent nearly XXXX months trying to work with them. BOA claims they did n't call ME, because X filed bankruptcy ( but that was my X that filed [ I have never filed bankruptcy ], BOA was n't even mentioned on his bankruptcy filing [ since it was no longer his liability ] nor was the BOA loan discharged. Additionally he filed in XXXX ... 2 years prior to loan maturing and 4+ years before I was finally sent a letter about the loan maturing ). They told me they did n't contact me because I did n't \" reaffirm the loan ''. But I can not reaffirm the loan because I did n't file bankruptcy!?! \n\nSo BOA is reporting the loan as delinquent on my credit report ( even though monthly payments are still being made ). BOA said they ca n't refinance me because of the way the loan is showing up on my credit report. I 've tried other banks and they wo n't refinance me either for the same reason ( I 've been told they ca n't refinance me because the lovely Fannie/Freddie guidelines wo n't allow them to, though no one has ever told me the exact guideline they are referring to ). \n\nSo I tried to go through BOA 's loan modification program and have been declined, appealed, then declined again. The two reasons I am given for denial are 1. Balloon date was too long ago for me to qualify for the balloon loan mod program under their INTERNAL guidelines ( though they are n't telling me the specific regulation/guideline they are referring to and it is their fault it has been so long ago because they never contacted me about the loan maturing until 2 years after it had matured ) and 2. that my income to expense ratio does n't quality. After questioning them on this because I know I make enough money to cover my bills, they told me they were putting the entire $ XXXX loan balance we are trying to refinance as a monthly expense against my monthly income, which is completely illogical! ). \n\nSo in summary, I make enough money to repay the debt, have very good credit ( besides the way this BOA loan is showing up on my credit report ) and have more than 20 % equity in my home ( and that is according to their appraisal ). There is no reason not to refinance/modify my loan! I now have a HUD counselor trying to work with them, but he is not getting anywhere with them either and is telling me they are n't being transparent with him. Apparently when he asked for the specific reason for the denial, they told him that HE needs to provide them with the regulation that allows them to refinance me. There is no reason they should not modify my loan and/or foreclose on my home when I am paying them and have the ability to pay. It seems they are choosing to foreclose rather than to be paid! The people I have reached out to on this matter ( family, friends, other banks, attorneys, etc ) have all said BOA is the worst of the worst so I sure hope you can help them do what is right here.","date_sent_to_company":"2017-03-08T21:44:53.000Z","issue":"Loan servicing, payments, escrow account","sub_product":"Home equity loan or line of credit","zip_code":"60013","tags":null,"has_narrative":true,"complaint_id":"2378190","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2017-03-08T21:44:53.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["BOA claims they did n't call ME, <em>because</em> X filed <em>bankruptcy</em> ( but that was my X that filed [ I have never filed <em>bankruptcy</em> ], BOA was n't even mentioned on his <em>bankruptcy</em> filing [ since it was no longer his liability ] nor was the BOA <em>loan</em> discharged. Additionally he filed in XXXX ... 2 years prior to <em>loan</em> maturing and 4+ years before I was finally sent a letter about the <em>loan</em> maturing ). They told me they did n't contact me <em>because</em> I did n't \" reaffirm the <em>loan</em> ''."],"issue":["<em>Loan</em> servicing, payments, escrow account"],"company":["<em>BANK</em> OF AMERICA, NATIONAL ASSOCIATION"],"sub_product":["Home equity <em>loan</em> or line of credit"]},"sort":[17.158947,"2378190"]},{"_index":"complaint-public-v1","_id":"3036143","_score":17.100845,"_source":{"product":"Mortgage","complaint_what_happened":"XXXX I filed bankruptcy following that the mortgage company had the mortgage withdrawn from the bankruptcy. I was not told to reaffirm so I didn't not knowing to do so XXXX we got behind on the payments due to illness. the company sent me a letter to talk to a hud financial adviser and could not reach with the numbers that were sent in the letter. I looked on line and found one and spoke with them and was told the company I am dealing with is a predatory lender and no longer owned the home. It could work out one of three ways, I could pay the home off and never get a title or I could pay the home off and then pay them rent cause they own it or because it is a double wide they could come and take it when ever they wanted. Then the man said I am giving my money away and to stop making payments. I am now still to this day liable for making the taxes and insurance because they are not taking the house out of my name. I spoke with the loan officer at my personal bank and because they are a predatory lender they didn't want to work with them either. In the middle of XXXX we ended up in court. I explained to they other attorney what I was told and they told me I don't get to live there for free then they wanted a monthly payment beyond what my family can afford option 2 was to pay it off or get out. We had to move out by XX/XX/XXXX and I have gotten no reimbursement and have had to pay insurance and making payments on a home for 8 years that I had no chance of owning. They now want {$12000.00} and when I want to buy it was {$23000.00} and would not work with me. I am now homeless and could use some help The Mortgage company is 21st Mortgage Corporation XXXX XXXX XXXX XXXX TN XXXX Phone is XXXX the Account number is XXXX Serial Number for the home is XXXX The Attorney that represented them is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX Thank you for your time.","date_sent_to_company":"2018-10-03T15:43:36.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"457XX","tags":null,"has_narrative":true,"complaint_id":"3036143","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"21ST MORTGAGE CORP.","date_received":"2018-10-03T15:11:56.000Z","state":"OH","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I spoke with the <em>loan</em> officer at my personal <em>bank</em> and <em>because</em> they are a <em>predatory</em> lender they didn't want to work with them either. In the middle of XXXX we ended up in court. I explained to they other attorney what I was told and they told me I don't get to live there for free then they wanted a monthly payment beyond what my family can afford option 2 was to pay it off or get out."]},"sort":[17.100845,"3036143"]},{"_index":"complaint-public-v1","_id":"3322522","_score":16.985506,"_source":{"product":"Mortgage","complaint_what_happened":"In XX/XX/XXXX I requested PEOPLE, S UNITED BANK to lower my 7.25 interest rate. \nDuring that same month, I was being an incorrect amount. Upon seeing this, I immediately called the bank. I was told that was correct amount. I called numerous times, it was correct. so by XX/XX/XXXX, loan defaulted per PEOPLE.S UNITED BANK. I then was told that, I would have to wait for a XXXX XXXX, who was not there a for a week.This is how the nightmare started. I was able to get a XXXX in XX/XX/XXXX. Which bought my account current, also equity that I had available,. At same time my parents home who are both deceased, their house was also in foreclosure which I was trying to stop. Their house, which was bought in XX/XX/XXXX. That house was already paid off, my mom took a home equity loan on the through the same bank I use. So yes, PEOPLE 'S UNITED BANK took my parents home XXXX and PEOPLE 'S UNITED BANK is currently trying to take mine. the home equity loan my mother got was a predatory loan because in the long run she would not be able to make payments, and this is where my house comes in. The equity in my house could of dealt with the situation. \nSo I begin to foreclosure clinics, and was told the only thing I could do was BANKRUPTCY WITH XXXX XXXX. She never told me I had equity in my house. \nThis been horrific time for me. The bank took all my equity in legal fees, they offered loan modification that I could never afford the biggest XXXX per month, I have kids and XXXX dogs whom I removed abuse situations. They never allowed me to use equity at all. The bank refuses to talk to me. I was also told by XXXX XXXX no bail outs","date_sent_to_company":"2019-07-29T23:43:02.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"06112","tags":null,"has_narrative":true,"complaint_id":"3322522","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION","date_received":"2019-07-29T22:39:00.000Z","state":"CT","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["That house was already paid off, my mom took a home equity <em>loan</em> on the through the same <em>bank</em> I use. So yes, PEOPLE 'S UNITED <em>BANK</em> took my parents home XXXX and PEOPLE 'S UNITED <em>BANK</em> is currently trying to take mine. the home equity <em>loan</em> my mother got was a <em>predatory</em> <em>loan</em> <em>because</em> in the long run she would not be able to make payments, and this is where my house comes in. The equity in my house could of dealt with the situation."],"company":["PEOPLE'S UNITED <em>BANK</em>, NATIONAL ASSOCIATION"]},"sort":[16.985506,"3322522"]},{"_index":"complaint-public-v1","_id":"3730382","_score":16.939089,"_source":{"product":"Payday loan, title loan, or personal loan","complaint_what_happened":"I received an email to apply for a loan while I was searching credit card offers through XXXX. I needed {$700.00}. I applied online with XXXX. They sent an email asking me to sign documents. I did and they said congratulations, they are sending me XXXX to my bank account, which they did. THEN they sent me the repayment schedule. They want me to pay them {$320.00} every two weeks for six months for a total of {$3800.00}! They did not disclose that it would be that much and for that long. They just asked me what dates I wanted to set up payments. I did not want XXXX only {$700.00}. I can not afford this loan! This is as predatory as it gets! I didn't understand it and I didn't realize what I was getting into! I will have to claim bankruptcy which is said because I was using this loan to try and build my credit. I just found out today that I am being laid off and now I am in real trouble. I don't think lenders like this should be allowed to operate. They told me it is too late to rescind it. I just don't want to live if my life is going to be like this. I won't even be able to pay my rent.","date_sent_to_company":"2020-07-15T17:36:29.000Z","issue":"Charged fees or interest you didn't expect","sub_product":"Installment loan","zip_code":"990XX","tags":"Servicemember","has_narrative":true,"complaint_id":"3730382","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LDF Holdings, LLC","date_received":"2020-07-06T00:50:37.000Z","state":"WA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["I can not afford this <em>loan</em>! This is as <em>predatory</em> as it gets! I didn't understand it and I didn't realize what I was getting into! I will have to claim <em>bankruptcy</em> which is said <em>because</em> I was using this <em>loan</em> to try and build my credit. I just found out today that I am being laid off and now I am in real trouble. I don't think lenders like this should be allowed to operate. They told me it is too late to rescind it. I just don't want to live if my life is going to be like this."],"product":["Payday <em>loan</em>, title <em>loan</em>, or personal <em>loan</em>"],"sub_product":["Installment <em>loan</em>"]},"sort":[16.939089,"3730382"]},{"_index":"complaint-public-v1","_id":"1758577","_score":16.743637,"_source":{"product":"Mortgage","complaint_what_happened":"This is my 2nd complaint to the CFPB on Bank Of America ... My Home Modification that was offered is a Predatory Loan. BOA conducted a appraisal on the home with the value being {$200000.00} they are offering me a modification of {$360000.00} which is over the market value of the area. I have sent and appealed numerous times. I signed the loan offer under distress because I am tired they are charging me the back fees on the loan which the original amount was {$250000.00} and I filed a chapter XXXX bankruptcy which has been discharged for the pass balance or the total balance for that matter and I keep explaining that to them. So now they have sold the loan and they keep resending the paper work and wo n't accept it because I put under distress under my signature. This is very wrong ... I am trying to keep my home, I have made all the trial payments and feel like my hands are tied, but I do n't think this is a proper practice when they are selling the exact same homes for {$190000.00}. It is highway robbery!!! They should not be able to take advantage of the middle working class. I fell behind on the mortgage because my husband picked up and left without notice and the payments where already behind and I was unaware, then I found out that I was pregnant and I could n't afford the mortgage payment on my own. So if the house was never worth {$360000.00} and the current value is only {$200000.00} and they are selling between $ XXXX {$190000.00} how will I ever come from under that? I have sent comparable listings, their listings, and their appraisal that they ordered and they are still requesting that I sign into this loan. I have XXXX young children and do n't want to start over. They are putting the balance on the end of the loan as a balloon and restarting the loan on a 40 year term to make the payments affordable. But I feel that this is unjust and that a bank as big as Bank of America should not treat people this way. If I moved they would only get {$190000.00} for this property on top of have to spend between $ XXXX {$20000.00} to make it move In ready. I need help ... ..","date_sent_to_company":"2016-01-26T17:25:36.000Z","issue":"Credit decision / Underwriting","sub_product":"FHA mortgage","zip_code":"216XX","tags":null,"has_narrative":true,"complaint_id":"1758577","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2016-01-26T17:25:35.000Z","state":"MD","company_public_response":"Company chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["I signed the <em>loan</em> offer under distress <em>because</em> I am tired they are charging me the back fees on the <em>loan</em> which the original amount was {$250000.00} and I filed a chapter XXXX <em>bankruptcy</em> which has been discharged for the pass balance or the total balance for that matter and I keep explaining that to them. So now they have sold the <em>loan</em> and they keep resending the paper work and wo n't accept it <em>because</em> I put under distress under my signature. This is very wrong ..."],"company":["<em>BANK</em> OF AMERICA, NATIONAL ASSOCIATION"]},"sort":[16.743637,"1758577"]},{"_index":"complaint-public-v1","_id":"3411403","_score":16.733536,"_source":{"product":"Mortgage","complaint_what_happened":"I am writing a complaint towards Vanderbilt Mortgage. I loss my husband in XX/XX/2017 and I struggled making my home payment because I had lost my husband income. I had life insurance money so I exhausted all of my funds paying a XXXX payment. I reached out to Vanderbilt for loss mitigation and they denied me. I went through a third party to put together a budget saying what would a resonable amount for me to afford with this home and they still said I could afford home. I have reached out to Vanderbilt several times for help. I have filed ch XXXX bankruptcy and went through a lawyer office to go through loan modification and denied loan modification and they are still saying I can afford the XXXX payment plus my bankruptcy payment plus other bills. I even wrote a hardship letter saying what I could afford. I have a 9.31 % rate and that is predatory lending. This is not the first time I have heard how Vanderbilt rips their customers off and throws people out of their homes without helping them stay in them. The government gives out funds to help with situations like this so where is VMF doing with the federal funds to the the customers that are really in need. I have even changed jobs so that I can show that by lowering my payment that I wouldnt get behind again. They are not willing to help their customers stay in the homes and they need to be investigated. They are a hard bank to deal with.","date_sent_to_company":"2019-10-20T05:01:36.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"290XX","tags":null,"has_narrative":true,"complaint_id":"3411403","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"VANDERBILT MORTGAGE & FINANCE, INC","date_received":"2019-10-20T00:36:27.000Z","state":"SC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["I have filed ch XXXX <em>bankruptcy</em> and went through a lawyer office to go through <em>loan</em> modification and denied <em>loan</em> modification and they are still saying I can afford the XXXX payment plus my <em>bankruptcy</em> payment plus other bills. I even wrote a hardship letter saying what I could afford. I have a 9.31 % rate and that is <em>predatory</em> lending. 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