{"took":547,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":9,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"10997257","_score":19.55513,"_source":{"product":"Checking or savings account","complaint_what_happened":"I filed for bankruptcy on XX/XX/year> and my attorney notified the bank, this Bank, of my recent bankruptcy filing at the Federal Bankruptcy Court at the XXXX XXXX XXXX XXXX When I went in to try to open the bank account up at the local branch in XXXX XXXX California, my attempt failed and the reason was for previous debts owed to the bank as the computer stated. Despite the fact that I filed for a US bankruptcy protection it seemed as if the bank did not properly update their system to reflect my recent bankruptcy filing thus eliminating any debt owed to the bank up until XX/XX/year>. I then proceeded to call the bankruptcy department at the bank to find out why I was still showing those debts in their system owed to the bank even after I have filed for bankruptcy. I was told by the bank that even though I am not legally liable for these past debts to the bank, the bank still will reflect any charged off or owed balances with or without protection of the bankruptcy court. So I said well that does not sound correct to me because filing bankruptcy is to allow us consumers to have a second chance to be able to start over with the new account and a fresh start. I then told the bankruptcy representative that at minimum you should input into the system to reflect I have no owed debt legally to the bank or XXXX balances and that any or all of my accounts that were encompassed by my recent bankruptcy filing should state that it is indeed under bankruptcy status. He said that it does show that it's under bankruptcy status but when I went to open the account it shows five accounts with owed balances and nothing that states that it was under any kind of bankruptcy protection on the consumer end at the computer that the branch has to make available for us to see and to run our application when we step in there. If it was properly inputted into the system so that the bank can see this then we wouldn't run into this problem at all. However, it does not reflect my bankruptcy status, so I get declined each and every time I try to open a new account. The bank rep also stated to me that even though I get declined by the system, if the branch wants to override the system, the branch manager may do so at his discretion. Well, the branch manager at the XXXX XXXX XXXX agreed to allow me to open up my new account however, when he went to try and override the system, it has a drop-down box which only had one option for him to select, and that option was, that my debts o the bank have been paid off, that was the only way that the system was going to allow the branch manager to override and allow me to open my account. With that being said, the branch manager was not going to state that I paid off any of these debts because I did not. And I should not because I can not. Because of my bankruptcy status. That would be unfair to the other people that I owe money to that's in bankruptcy status and I can't be selective in who I pay off and who I don't. that's up to the court, the bankruptcy court, to decide and not for me or the bank to make that decision for the US bankruptcy federal government trustee. So for the bank to only allow that option for the branch manager to select does us no good whatsoever because that would mean that the branch manager would have to lie if he was to click on that option and select that and he was not going to do it nor would I allow him to do that because that's not the case at all. The System needs to be re-done with additional options for a branch manager to make the override f the bank indeed allows the manager to do so. and from what I was told by several different Representatives yes that is available for the branch manager to do at their discretion. However that would be a lie for him to have to only select that one option that I paid off my debt while in bankruptcy status which everybody knows that that is not right that's actually illegal and I can not just do that because the bank wants their money back. That's being selfish by the bank and that's them wanting me to single them out on top of that. \ncurrently under the automatic stay and bankruptcy protection of the Court. my complaint is based on this and this alone. Fix your system properly to reflect my bankruptcy status so I don't run into a denial showing that I owe the bank money when the bank knows darn well that I can not pay the debt after I filed for bankruptcy because that would be in violation of sub bankruptcy laws, regulations and code, and I am not prepared to break the law just to pay the bank when they should know better than to even request this from us in the first place.","date_sent_to_company":"2024-12-03T08:04:27.000Z","issue":"Opening an account","sub_product":"Checking account","zip_code":"95762","tags":null,"has_narrative":true,"complaint_id":"10997257","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"U.S. BANCORP","date_received":"2024-12-03T07:09:30.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Unable to open an account"},"highlight":{"complaint_what_happened":["Despite the fact that I filed for a US <em>bankruptcy</em> protection it seemed as if the bank did not properly update their system to reflect my recent <em>bankruptcy</em> filing thus eliminating any <em>debt</em> owed to the bank up until XX/XX/year>. I then proceeded to call the <em>bankruptcy</em> <em>department</em> at the bank to <em>find</em> out why I was <em>still</em> <em>showing</em> <em>those</em> <em>debts</em> in their system owed to the bank even after I have filed for <em>bankruptcy</em>."]},"sort":[19.55513,"10997257"]},{"_index":"complaint-public-v1","_id":"2473547","_score":13.421549,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On   XXXX   XXXX   XXXX    , after sending certified dispute letters, filing online and several calls, I spoke with a agent at Equifax  (   XXXX  in Nevada  )  she was very rude and did n't fully verify who I was even though there is a fraud alert and previous security freeze on my file. I asked to be transferred to a supervisor and got bounced around several times. I finally reached a supervisor in the fraud department (  XXXX  ) I informed her of the previous disputes out the Bankruptcy (  XXXX  ) as well as the accounts/public record and the inquires made without my consent. I was informed to file a police report. I had her on the phone while I was at the police station and the sergeant on duty told me that unless there is a current balance owed on the information that there was no need for a police report. When I returned to the call, she stated that if I faxed the information showing that,  XXXX  is reporting to them and the Bankruptcy court letter saying they have n't and do n't report to them, she would delete the unauthorized/non-contract holding accounts and inquiries seeing as no one has every provided me with the proof nor verification requested. I received a confirmation number of  XXXX  and was told it may take up to 30 day for the items to be deleted and me to receive an updated report showing so. On Saturday,  XXXX   XXXX , I received  XXXX  so called updated credit report dated   XXXX   XXXX   XXXX    . The first, (  XXXX  ) stating that the inquiries, I did n't consent to, Best Buy ;  XXXX  ;  XXXX   XXXX  Bank ;  XXXX   XXXX   XXXX  CO ; and  XXXX  from Equifax Mortgage are factual record of file access and they will not delete. Stated that I again need to contact each and every creditor. The second, (  XXXX  ) stated that the above inquiries as well as  XXXX   XXXX  ;  XXXX  from   XXXX   XXXX   ;   XXXX   XXXX    XXXX   XXXX   have been deleted from my credit file. The Bankruptcy listed above and accounts associated with it, updated report date of  XXXX   XXXX ,   XXXX  , verified through  XXXX  and will remain. The third only stated that inquiries are to remain for   XXXX   years if with the fraud alert and security freeze. I filed a complaint on  XXXX ,  XXXX  with the cfpb and the  XXXX . Called on Equifax back on  XXXX   XXXX  (  XXXX   )  an agent (  XXXX  ) answered and only asked me to verify the last  XXXX  of my social security number. I asked for the fraud department and was transferred to an agent  (   XXXX   ) w ho also only asked for me to verify my last  XXXX  when I refused and asked for her supervisor, she hung up. I returned the call and agent (  XXXX   )  asked me to only spell my last name and told me she saw that I had a fraud alert and transferred me to agent (  XXXX  ). I began telling him what happened and he placed me on hold for  XXXX  minutes and came back and stated that the Bankruptcy court sent them information verifying the case listed above. When I again asked for proof of this verification as well as names of parties involved and dates and addresses and numbers, he then stated that they sent a runner to the courts.      XXXX   XXXX   XXXX ,   XXXX   at  XXXX  pm CT, I called again to find out what was going on and why they have n't delete the information. The agent answering the call never verified who he was but proceeded to tell me he has me credit file pulled up, no verification of who I am, and placed me on hold to review. He came back online at  XXXX  and I immediately asked for a US agent in the fraud department as he was reading my information he transferred me after holding for  XXXX  minutes to agent (  XXXX   )  she verified myself and we began the same conversation as with previous agents. She placed me on hold after I stated Equifax  Credit Information Services , Inc  is repeatedly violating the Fair Credit Reporting Act by not sending me signed, written verification or validation of a Bankruptcy that showed up on my credit report, and constantly changing the dates that are reported on the credit report to prolong the length of time that it is reported on the report. I sent Equifax several letters requesting signed, written verification or validation. They just respond to me that the Bankruptcy and accounts are verified. There are numerous Inquiries that are on my credit report from companies that I have never heard of and they will not remove them. So I called the  US  Bankruptcy Courts and I was told a court clerk ( Mrs.  XXXX  ), that they do not, will not and never will report to the credit reporting agencies due to privacy laws. Equifax is saying that these debts are verified, Who is verifying them??? She transfer me to her supervisor. Supervisor  XXXX  answered call at  XXXX  pm and placed me on a short hold to view my file. He verified me and told me that the Bankruptcy disputed on   XXXX   XXXX   is still processing because they did n't start the dispute until   XXXX   XXXX  . I informed of the  XXXX  letters I received as well as what other agents stated. He told me that they did receive the files I sent even though I was told they never received anything from me. He proceeded to tell me that they verified it when the courts sent my file to them. I asked for this verification, he stated they were not allowed to disclose the information. I was in tears. I told him how long this process has been going on with every agent stating something different. It 's frustrating having to prove who I am and that I did n't do something or it is n't mine. He then stated, that what he said was n't true and that the courts do n't verify it but a  XXXX  party called  XXXX  did verify it when Equifax called them. Again I asked for name, number called and proof, because I sent them the consumer file I received from  XXXX  as well as them having the copies sent to them from the cfpb. He told me okay that is n't true either and that they sent a runner to the courts. I asked him was he kidding me, he lied to me and violated my rights and he said they ca n't do anything. I yet again asked to speak to someone else because he truly upset me. At  XXXX , A supervisor (  XXXX  ) came on the line and told me that the previous agent filled him in on the situation. I asked him if the other agent told him of the lies he told me and he said no. He asked for a moment to read the notes and laughed. He apologized for the previous agent. I stated that the encounter alone, should have had the file deleted. He told me that the dispute from  XXXX   XXXX  is still pending because no one has responded nor verified the file. I asked him what they used to verify and he asked for my email address and stated that he would send me what they use and that he would take care of the removal. I asked how could he do that, when everyone else for months has said no and sent no proof. He told me it will be explained in the email and then gave me a confirmation number (  XXXX  ) to check back with.     This has been such a long and worn out process and still they are violating the FCRA as well as myself. I have sent certified mail to all  XXXX  credit bureaus asking them to please remove a bankruptcy that is not mine off of my credit report. I also asked them to send me proof of there verification papers and process so that I can assist in getting this information corrected to which they will not comply. I have reach out to the court system they have listed on my credit report and their response was that they do n't supply court case information to these companies. Once I got this response from the court I contacted them sending them certified mail and several faxes as well as online disputes, showing that and requested that they remove those accounts. They have yet to update my credit and have failed to remove this account. I have went to my local police to file a report about my identity theft like the credit bureaus have asked me to do and was denied due to no current balances on the accounts. I have done all that they have asked me to do as far as alerts and blocks, yet they wo n't remove the inaccurate information from my credit and wont comply with request for documentation on this case leading me to obtain legal counsel to file a lawsuit as soon as possible due to the fact that all  XXXX  have violated the FCRA Laws without total disregard to the damage it does to consumers. Equifax has just settled a class action lawsuit over this exact same issue, I will be a part of the suit also.","date_sent_to_company":"2017-05-03T02:00:30.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"63116","tags":"Servicemember","has_narrative":true,"complaint_id":"2473547","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-05-02T23:50:11.000Z","state":"MO","company_public_response":null,"sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["They just respond to me that the <em>Bankruptcy</em> and accounts are verified. There are numerous Inquiries that are on my credit report from companies that I have never heard of and they will not remove them. So I called the  US  <em>Bankruptcy</em> Courts and I was told a court clerk ( Mrs.  XXXX  ), that they do not, will not and never will report to the credit reporting agencies due to privacy laws. Equifax is saying that these <em>debts</em> are verified, Who is verifying them??? She transfer me to her supervisor."]},"sort":[13.421549,"2473547"]},{"_index":"complaint-public-v1","_id":"2473546","_score":13.174503,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On  XXXX   XXXX ,   XXXX  , after sending certified dispute letters, filing online and several calls, I spoke with a agent at   XXXX   (  XXXX  in Nevada  ) s he was very rude and did n't fully verify who I was even though there is a fraud alert and previous security freeze on my file. I asked to be transferred to a supervisor and got bounced around several times. I finally reached a supervisor in the fraud department (  XXXX  ) I informed her of the previous disputes out the Bankruptcy (  XXXX  ) as well as the accounts/public record and the inquires made without my consent. I was informed to file a police report. I had her on the phone while I was at the police station and the sergeant on duty told me that unless there is a current balance owed on the information that there was no need for a police report. When I returned to the call, she stated that if I faxed the information showing that,  XXXX  is reporting to them and the Bankruptcy court letter saying they have n't and do n't report to them, she would delete the unauthorized/non-contract holding accounts and inquiries seeing as no one has every provided me with the proof nor verification requested. I received a confirmation number of  XXXX  and was told it may take up to 30 day for the items to be deleted and me to receive an updated report showing so. On Saturday,  XXXX   XXXX , I received  XXXX  so called updated credit report dated  XXXX ,  XXXX ,   XXXX  . The first, (  XXXX  ) stating that the inquiries, I did n't consent to,   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   ; and  XXXX  from   XXXX   XXXX   are factual record of file access and they will not delete. Stated that I again need to contact each and every creditor. The second, (  XXXX  ) stated that the above inquiries as well as  XXXX   XXXX  ;  XXXX  from   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   have been deleted from my credit file. The Bankruptcy listed above and accounts associated with it, updated report date of  XXXX   XXXX ,   XXXX  , verified through  XXXX  and will remain. The third only stated that inquiries are to remain for 2 years if with the fraud alert and security freeze. I filed a complaint on  XXXX ,  XXXX  with the cfpb and the bbb. Called on   XXXX    back on  XXXX   XXXX  (  XXXX   XXXX  an agent (   XXXX   ) answered and only asked me to verify the last  XXXX  of my social security number. I asked for the fraud department and was transferred to an agent  XXXX   XXXX   XXXX  who also only asked for me to verify my last  XXXX  when I refused and asked for her supervisor, she hung up. I returned the call and agent (  XXXX   )  asked me to only spell my last name and told me she saw that I had a fraud alert and transferred me to agent  XXXX   XXXX   XXXX . I began telling him what happened and he placed me on hold for    two m inutes and came back and stated that the Bankruptcy court sent them information verifying the case listed above. When I again asked for proof of this verification as well as names of parties involved and dates and addresses and numbers, he then stated that they sent a runner to the courts.     Today  XXXX   XXXX ,   XXXX   at   XXXX   XXXX   CT, I called again to find out what was going on and why they have n't delete the information. The agent answering the call never verified who he was but proceeded to tell me he has me credit file pulled up, no verification of who I am, and placed me on hold to review. He came back online at  XXXX  and I immediately asked for a  US  agent in the fraud department as he was reading my information he transferred me after holding for  18  minutes to agent (  XXXX  ) she verified myself and we began the same conversation as with previous agents. She placed me on hold after I stated   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX  is repeatedly violating the Fair Credit Reporting Act by not sending me signed, written verification or validation of a Bankruptcy that showed up on my credit report, and constantly changing the dates that are reported on the credit report to prolong the length of time that it is reported on the report. I sent  XXXX  several letters requesting signed, written verification or validation. They just respond to me that the Bankruptcy and accounts are verified. There are numerous Inquiries that are on my credit report from companies that I have never heard of and they will not remove them. So I called the   XXXX   XXXX   XXXX   and I was told a court clerk (  XXXX   XXXX   XXXX , that they do not, will not and never will report to the credit reporting agencies due to privacy laws.   XXXX   is saying that these debts are verified, Who is verifying them??? She transfer me to her supervisor. Supervisor  XXXX  answered call at   XXXX   XXXX    and placed me on a short hold to view my file. He verified me and told me that the Bankruptcy disputed on  XXXX   XXXX , is still processing because they did n't start the dispute until  XXXX   XXXX . I informed of the  XXXX  letters I received as well as what other agents stated. He told me that they did receive the files I sent even though I was told they never received anything from me. He proceeded to tell me that they verified it when the courts sent my file to them. I asked for this verification, he stated they were not allowed to disclose the information. I was in tears. I told him how long this process has been going on with every agent stating something different. It 's frustrating having to prove who I am and that I did n't do something or it is n't mine. He then stated, that what he said was n't true and that the courts do n't verify it but a  XXXX  party called  XXXX  did verify it when   XXXX   called them. Again I asked for name, number called and proof, because I sent them the consumer file I received from  XXXX  as well as them having the copies sent to them from the cfpb. He told me okay that is n't true either and that they sent a runner to the courts. I asked him was he kidding me, he lied to me and violated my rights and he said they ca n't do anything. I yet again asked to speak to someone else because he truly upset me. At  XXXX , A supervisor (  XXXX   )  came on the line and told me that the previous agent filled him in on the situation. I asked him if the other agent told him of the lies he told me and he said no. He asked for a moment to read the notes and laughed. He apologized for the previous agent. I stated that the encounter alone, should have had the file deleted. He told me that the dispute from  XXXX   XXXX  is still pending because no one has responded nor verified the file. I asked him what they used to verify and he asked for my email address and stated that he would send me what they use and that he would take care of the removal. I asked how could he do that, when everyone else for months has said no and sent no proof. He told me it will be explained in the email and then gave me a confirmation number (  XXXX  ) to check back with.     This has been such a long and worn out process and still they are violating the FCRA as well as myself. I have sent certified mail to all  XXXX  credit bureaus asking them to please remove a bankruptcy that is not mine off of my credit report. I also asked them to send me proof of there verification papers and process so that I can assist in getting this information corrected to which they will not comply. I have reach out to the court system they have listed on my credit report and their response was that they do n't supply court case information to these companies. Once I got this response from the court I contacted them sending them certified mail and several faxes as well as online disputes, showing that and requested that they remove those accounts. They have yet to update my credit and have failed to remove this account. I have went to my local police to file a report about my identity theft like the credit bureaus have asked me to do and was denied due to no current balances on the accounts. I have done all that they have asked me to do as far as alerts and blocks, yet they wo n't remove the inaccurate information from my credit and wont comply with request for documentation on this case leading me to obtain legal counsel to file a lawsuit as soon as possible due to the fact that all  XXXX  have violated the FCRA Laws without total disregard to the damage it does to consumers.    XXXX    has just settled a class action lawsuit over this exact same issue, I will be a part of the suit also.","date_sent_to_company":"2017-05-03T06:00:34.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"63116","tags":"Servicemember","has_narrative":true,"complaint_id":"2473546","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2017-05-03T02:00:32.000Z","state":"MO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["Once I got this response from the court I contacted them sending them certified mail and several faxes as well as online disputes, <em>showing</em> that and requested that they remove <em>those</em> accounts. They have yet to update my credit and have failed to remove this account. I have went to my local police to file a report about my identity theft like the credit bureaus have asked me to do and was denied due to no current balances on the accounts."]},"sort":[13.174503,"2473546"]},{"_index":"complaint-public-v1","_id":"2473544","_score":13.12923,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On  XXXX   XXXX ,   XXXX  , after sending certified dispute letters, filing online and several calls, I spoke with a agent at   XXXX   (  XXXX  in Nevada  ) s he was very rude and did n't fully verify who I was even though there is a fraud alert and previous security freeze on my file. I asked to be transferred to a supervisor and got bounced around several times. I finally reached a supervisor in the fraud department (  XXXX  ) I informed her of the previous disputes out the Bankruptcy (  XXXX  ) as well as the accounts/public record and the inquires made without my consent. I was informed to file a police report. I had her on the phone while I was at the police station and the sergeant on duty told me that unless there is a current balance owed on the information that there was no need for a police report. When I returned to the call, she stated that if I faxed the information showing that,  XXXX  is reporting to them and the Bankruptcy court letter saying they have n't and do n't report to them, she would delete the unauthorized/non-contract holding accounts and inquiries seeing as no one has every provided me with the proof nor verification requested. I received a confirmation number of  XXXX  and was to ld it may t ake up to 30 day for the items to be deleted and me to receive an updated report showing so. On Saturday,  XXXX   XXXX , I received  XXXX  so called updated credit report dated  XXXX ,  XXXX ,   XXXX  . The first, (  XXXX  ) stating that the inquiries, I did n't consent to,   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   ; and  XXXX  from   XXXX   XXXX   are factual record of file access and they will not delete. Stated that I again need to contact each and every creditor. The second, (  XXXX  ) stated that the above inquiries as well as  XXXX   XXXX  ;  XXXX  fro  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    have been deleted from my credit file. The Bankruptcy listed above and accounts associated with it, updated report date of  XXXX   XXXX ,   XXXX  , verified through  XXXX  and will remain. The third only stated that inquiries are to remain for 2 years if with the fraud alert and security freeze. I filed a complaint on  XXXX ,  XXXX  with the cfpb and the bbb. Called on   XXXX   back on  XXXX   XXXX  (  XXXX   XXXX  an agent ( Smile ) answered and only asked me to verify the last  XXXX  of my social security number. I asked for the fraud department and was transferred to an agent  XXXX   XXXX   XXXX  who also only asked for me to verify my last  XXXX  when I refused and asked for her supervisor, she hung up. I returned the call and agent (  XXXX   XXXX  asked me to only spell my last name and told me she saw that I had a fraud alert and transferred me to agent  XXXX   XXXX   XXXX . I began telling him what happened and he placed me on hold for  two m inutes and came back and stated that the Bankruptcy court sent them information verifying the case listed above. When I again asked for proof of this verification as well as names of parties involved and dates and addresses and numbers, he then stated that they sent a runner to the courts.       Today    XXXX   XXXX ,   XXXX   at  XXXX    XXXX   CT, I called again to find out what was going on and why they have n't delete the information. The agent answering the call never verified who he was but proceeded to tell me he has me credit file pulled up, no verification of who I am, and placed me on hold to review. He came back online at  XXXX  and I immediately asked fo r a US agent  in the fraud department as he was reading my information he transferred me after holding  for 18 m inutes to agent (  XXXX   XXXX  she verified myself and we began the same conversation as with previous agents. She placed me on hold after I stated   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX  is repeatedly violating the Fair Credit Reporting Act by not sending me signed, written verification or validation of a Bankruptcy that showed up on my credit report, and constantly changing the dates that are reported on the credit report to prolong the length of time that it is reported on the report. I sent  XXXX  several letters requesting signed, written verification or validation. They just respond to me that the Bankruptcy and accounts are verified. There are numerous Inquiries that are on my credit report from companies that I have never heard of and they will not remove them. So I called  the US Bankr uptcy Courts and I was told a court clerk (  XXXX   XXXX   XXXX , that they do not, will not and never will report to the credit reporting agencies due to privacy laws.  XXXX  is saying that these debts are verified, Who is verifying them??? She transfer me to her supervisor. Supervisor  XXXX  answered call at  XXXX    XXXX    and placed me on a short hold to view my file. He verified me and told me that the Bankruptcy disputed on  XXXX   XXXX , is still processing because they did n't start the dispute until  XXXX   XXXX . I informed of the  XXXX  letters I received as well as what other agents stated. He told me that they did receive the files I sent even though I was told they never received anything from me. He proceeded to tell me that they verified it when the courts sent my file to them. I asked for this verification, he stated they were not allowed to disclose the information. I was in tears. I told him how long this process has been going on with every agent stating something different. It 's frustrating having to prove who I am and that I did n't do something or it is n't mine. He then stated, that what he said was n't true and that the courts do n't verify it but a  XXXX  party called  XXXX  did verify it when  XXXX  called them. Again I asked for name, number called and proof, because I sent them the consumer file I received from  XXXX  as well as them having the copies sent to them from the cfpb. He told me okay that is n't true either and that they sent a runner to the courts. I asked him was he kidding me, he lied to me and violated my rights and he said they ca n't do anything. I yet again asked to speak to someone else because he truly upset me. At  XXXX , A supervisor (  XXXX   XXXX  came on the line and told me that the previous agent filled him in on the situation. I asked him if the other agent told him of the lies he told me and he said no. He asked for a moment to read the notes and laughed. He apologized for the previous agent. I stated that the encounter alone, should have had the file deleted. He told me that the dispute from  XXXX   XXXX  is still pending because no one has responded nor verified the file. I asked him what they used to verify and he asked for my email address and stated that he would send me what they use and that he would take care of the removal. I asked how could he do that, when everyone else for months has said no and sent no proof. He told me it will be explained in the email and then gave me a confirmation number (  XXXX  ) to check back with.     This has been such a long and worn out process and still they are violating the FCRA as well as myself. I have sent certified mail to all  XXXX  credit bureaus asking them to please remove a bankruptcy that is not mine off of my credit report. I also asked them to send me proof of there verification papers and process so that I can assist in getting this information corrected to which they will not comply. I have reach out to the court system they have listed on my credit report and their response was that they do n't supply court case information to these companies. Once I got this response from the court I contacted them sending them certified mail and several faxes as well as online disputes, showing that and requested that they remove those accounts. They have yet to update my credit and have failed to remove this account. I have went to my local police to file a report about my identity theft like the credit bureaus have asked me to do and was denied due to no current balances on the accounts. I have done all that they have asked me to do as far as alerts and blocks, yet they wo n't remove the inaccurate information from my credit and wont comply with request for documentation on this case leading me to obtain legal counsel to file a lawsuit as soon as possible due to the fact that all  XXXX  have violated the FCRA Laws without total disregard to the damage it does to consumers.   XXXX    has just settled a class action lawsuit over this exact same issue, I will be a part of the suit also.","date_sent_to_company":"2017-05-03T06:00:34.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"63116","tags":"Servicemember","has_narrative":true,"complaint_id":"2473544","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2017-05-03T02:00:32.000Z","state":"MO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["Once I got this response from the court I contacted them sending them certified mail and several faxes as well as online disputes, <em>showing</em> that and requested that they remove <em>those</em> accounts. They have yet to update my credit and have failed to remove this account. I have went to my local police to file a report about my identity theft like the credit bureaus have asked me to do and was denied due to no current balances on the accounts."]},"sort":[13.12923,"2473544"]},{"_index":"complaint-public-v1","_id":"2697651","_score":11.297243,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"In summary- In XX/XX/XXXX, we started an company that went under and filed Chapter XXXX in XX/XX/XXXX. The chapter XXXX was discharged in XX/XX/XXXX, when we noticed that our Mortgage and Home Equity Line was showing closed on all three of our credit bureaus. When we set up the Chapter XXXX we continued to pay our mortgage and home equity line normally and not through the trustee. We contacted the three credit bureaus to have the information corrected and submitted online and mail disputes. Then the credit bureaus removed our mortgage and home equity line from our bureaus and advised that First National Bank of Omaha was the only person that could correct or credit reports. On XX/XX/XXXX we hand delivered a written request to First Nation Bank ( which was signed by XXXX XXXX Retail Branch Officer on XX/XX/XXXX ). \nAfter waiting a couple of weeks we called First National Bank f Omaha on XX/XX/XXXX, to inquire on the status of our correction and was notified by XXXX XXXX ( lead Specialist in the  Mortgage department ) that she had never received the letter. We explained to her what was going on with our credit bureaus and that our mortgage and Home equity line was not reporting correctly to our bureaus. She advised us that since we filled chapter XXXX this is what happens. \nWe contacted our bankruptcy attorney ( XXXX XXXX ) and he advised that this was not correct and advised that chapter XXXX was there to protect the property of those filling bankruptcy which he sent them an email stating : From : XXXX XXXX [ mailto : XXXX ] Sent : Tuesday, XX/XX/XXXX XXXX XXXX Cc : XXXX, XXXX ; XXXX XXXX Subject : [ External ] RE : RE : Re : mortgage XXXX, This statement below is not accurate. When a person completes a chapter XXXX case they do not discharge mortgage obligations unless they specifically surrender the home in the Chapter XXXX Plan. \n\nThe entire idea of Chapter XXXX is to protect homes and to reinstate delinquent mortgage debts. The First National note is not discharged and the bank should continue reporting to the credit bureau. Here is a good article on this topic : XXXX XXXX XXXX [ XXXX ] First National has the best people working for it. In fact, XXXX of the very best is the great attorney, XXXX XXXX, who frequently represents the bank. You may want to run this by XXXX XXXX. \n\nXXXX, let me know if we can get this corrected. \n\nXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX & XXXX XXXX Attorneys at Law XXXX XXXX XXXX XXXX, XXXX, XXXX. \nXXXX XXXX XXXX XXXX, XXXX, NE XXXX, ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX, NE XXXX ( XXXX ) XXXX Fax : XXXX XXXX XXXX [ XXXX ] XXXX : XXXX So after that email from our attorney First Nation Bank agreed to reinstate my Mortgage but only from the date of discharge of the chapter XXXX with one late payment ( which we were out of town and First Nation Bank doesnt except online payments for mortgages ) so for the past 14 years they will not report our good payment history prior to the discharged date. So now our mortgage payment history shows 11 payments, with one late which shows as a derogatory mark on our credit. And they flat out refuse to report our home equity line at all. \nSo after several attempts to get XXXX XXXX to correct our credit bureaus with no success we do some research on the fair credit reporting Act and find out what they are doing is reporting incorrect information for the purpose to hurt our credit. We contacted Erins boss at First National Bank, XXXX XXXX ( The Director of Retail Consumer and mortgage collections ) who advised us this : From : XXXX, XXXX [ mailto : XXXX ] Sent : Thursday, XX/XX/XXXX XXXX XXXX  To : XXXX ' Cc : XXXX , XXXX ; XXXX , XXXX Subject : Re Mortgage Hello, XXXX XXXX forwarded this message to me, I am the XXXX of the Retail Consumer and Mortgage Collections within our Customer Operations Management group. I was contacted two days ago by ( US ) and I have been working to answer these similar questions she has directly contacted me to answer. Rather than have communication coming from both XXXX and I, I will answer this for you, on behalf of First National Bank. I also have left a message with ( US ) and will be calling her back shortly to respond to her request she made late yesterday. In my response to her, I was going to recommend that she speak with her bankruptcy attorney so that you can help her with any confusion that may exist. Here are responses to a couple of claims and requests she has made, which are similar to what you have asked on her behalf. \n\n1. She continues to claim that her Mortgage and Home Equity line of credit were never included in the Chapter XXXX bankruptcy and that we are reporting this incorrectly. We know that we were included on the schedule for secured creditors and that when she filed Chapter XXXX her Mortgage and Home Equity are included. They were paying outside the plan during this time, but it is correct for us to report this as the customer being in Chapter XXXX bankruptcy during that time. \n\n2. Regarding the credit reporting, yesterday I explained that according to our credit bureau guide and Director of that area, we do not report payment history from time of petition up to discharge. After discharge, we can report the history and we have done so on the Mortgage since discharge. We will not be reporting payment history during the bankruptcy period. \n\n3. She also asked about the reporting of the Home Equity products, as they are no longer reporting on their credit reports. When I am able to speak to her, I will tell her that First National stops reporting to the credit bureaus for home equity products at the time of bankruptcy. We will no longer report this trade line. \n\nIf you have any further questions, you can reply or contact me directly. \n\nRegards, XXXX XXXX XXXX, Customer Operations Management ( XXXX ) XXXX Today 's date is XX/XX/XXXX, and this matter has not been correct and First National Bank of Omaha is still not reporting our mortgage or our home equity line to all of the three credit bureaus. We have all corresponding emails and letters to collaborate any information needed. Thank you in Advance for your help","date_sent_to_company":"2017-10-10T15:57:22.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"68123","tags":null,"has_narrative":true,"complaint_id":"2697651","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FIRST NATIONAL BANK OF OMAHA","date_received":"2017-10-10T14:52:55.000Z","state":"NE","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["We contacted our <em>bankruptcy</em> attorney ( XXXX XXXX ) and he advised that this was not correct and advised that chapter XXXX was there to protect the property of <em>those</em> filling <em>bankruptcy</em> which he sent them an email stating : From : XXXX XXXX [ mailto : XXXX ] Sent : Tuesday, XX/XX/XXXX XXXX XXXX Cc : XXXX, XXXX ; XXXX XXXX Subject : [ External ] RE : RE : Re : mortgage XXXX, This statement below is not accurate."]},"sort":[11.297243,"2697651"]},{"_index":"complaint-public-v1","_id":"15692040","_score":10.768717,"_source":{"product":"Mortgage","complaint_what_happened":"i WAS NEVER ACCRIETED MY OVERPAYEMNST FORM BEING BILLE DMORE THAN XXXX FROM XXXX TO XXXX WHEN THEY BILLED ME XXXX A MONTH AND XXXX A MONTH AND XXXX AND XXXX IN XXXX TO XXXX, THEY BEGAN TO BILL ME XXXX AFETR TEH MROATE LOING SAPAID OFF XXXX XXXX I was over billed at a gross minimum of XXXX. It's really more. Just in the time frame of XXXX to XXXX. XXXX Bank Nationstar Mortgage Mr. Cooper has been collecting on a mortgage type that does not exist. They have been collecting on a FHA XXXX mortgage which that program was cancelled three years prior. But they wrote these documents and they pretend that they have an investor, they pretend that they have a loan and they have absolutely nothing, which is why their information did not enter the FHA system nor the HUD system or any government system as existing as a loan because that loan type was cancelled. They have never had standing to collect against me since XXXX to XXXX and I am owed all of those payments back with interest. \n\nI have reported this error to them repeatedly and it's like there's something wrong with them. They keep talking to me about amortization and maths, like they can't add, like they didn't do any math training. Or even reading. Incomprehension. I have told them repeatedly that it does not exist and they can't. They said that FHA is wrong and HUD is wrong. And they failed to understand that they wrote a mortgage type. For people that have XXXX in {>= $1,000,000} homes. It appears that they are affiliated with local St. criminals as well. Some hang out at the library. XXXX XXXX Bank staff. And they claim service link and a company called XXXX and a company called XXXX by XXXX XXXX that they made these FHA have mortgages. And again that was cancelled later on when Obama went out I believe. And they claimed they did modifications, none of which are supported by the government, which is why they're looking at them for fraud. All of their HUD partial claims that they claim against me are considered fraud as well. It is for this reason that the staff have to correct their errors. Either I can file a complaint as negligent. And miscalculation and errors or I can file charges. This is not a matter of dispute, These are matters of fact. \n\nXXXX Bank claims that they did FHA XXXX loans and mortgages in the year of XXXX. XX/XX/XXXX XXXX  when they were over. They also claimed that they did had partial claims that they saw that. And they didn't see anything because it was paid off, as a government showed. This This is why there is no mortgage listed in the computer and I am not listed as a mortgager because I don't have a mortgage and there is no lenders listed because no one will lend it to me. Thus when they typed it, they have an investor. It is important for the authorities to find out who the. Investor is and who has been collecting these funds? And distributing this paperwork because? That fraud, false claim and there is no investor because it was already paid off XXXX to XXXX years ago. And when XXXX claimed to have wrote those mortgages, again, that program was dismantled by the government. So they're clearly making a false claim. It's either clearly financial institution fraud and embezzlement or clearly an error. \n\nWhen I tell them this and I tell them to correct it and they won't, it appears that Nationstar Mortgage, Mr. Cooper and XXXX Bank and XXXX XXXX and all of its names and all the websites they make up and the local people, criminals that they have working with them as well, it's like. Prime rank. These errors that I find that XXXX Bank transferred the FHA mortgage debt of XXXX and XXXX and hooked partial claims. All of which do not exist because the programs were cancelled and there was no debt. So they transferred a ghost or imaginary or false debt and they made these claims that they were executed. Not by the government, not by FHA, not by XXXX, not by any government institutions as all loans are. But they claim that it was executed by a company called XXXX. XXXX Bank supervisor XXXX XXXX  and XXXX XXXX and XXXX and all the names they call themselves who wrote all these documents with their St. camera. Criminals and the criminals in marketing as well. Therefore, their claims of loans are obviously aired. False fraud, inducement, money laundering. Because the government ended those programs that they're claiming was backed by an investor. All associated need to be arrested and prosecuted in my opinion. But. We'll see what happens. For right now, I'm asking that these hair errors be corrected. Therefore, they must stop transferring imaginary, false, miscalculated, erred. Falsification of documentation. Financial institution fraud. Money laundering. Created that that it false that. They have libeled me and slandered me. I paid off a mortgage in five years. And I worked XXXX hours a day and I'm not getting any man or any woman my extra payments. They have to work and go to college just like I did. They're gon na have to go to the universities and get masters degrees and bachelors degrees and work XXXX jobs just like I did. I'm not giving them a cent. Or Penny. They're gon na get my money back. And I am. You're gon na litigate for them falsifying and clouding purposefully my title, my deed, my Social Security number, and my name and the all the parties with them that supported those lies. The staff that work in public positions be at state, federal, city, Township and their public servant roles are required by a law called Duty to Report and every single bank staff and public staff at any business had a duty to report that they saw these crimes occurring. Their collection efforts are being made and typed into the computer and they were collecting funds with their out being any validity to do so. Upon reporting this to the police, they were derelict in their duties. By state and racist by stating that they refuse to prosecute these bank staff that felt like it was OK not to take {$0.00} but to take XXXX dollars {$30000.00} a year not just in overpayments but all payments because it did not exist they also felt like it. It's OK to use a HUD partial claim of delinquency against the debt that did not exist. How could there be a debt when it does not exist? Thankfully unto XXXX, these ignorant people signed me up for a mortgage that was cancelled by the government. But they did that on purpose to make it appear that they did not do a crime against FHA, HUD, XXXX XXXX  State, Township, local or any government agencies, that they only did a crime against me as a citizen. And they need to think about that. Because they're believing that they won't get in trouble with all those government priorities because it'll be a miscalculation. But when you do these crimes against the citizen, they're just crimes. They're not just a miscalculation. So again, Nation Star and Mr. Cooper validated false debt, then they went further. And they mailed it to an attorney who began fraudulent foreclosure, fraudulent auction with service link and other priorities, falsifying all, falsifying a debt that just does not exist. So in the years between XXXX and XXXX, I grossly overpaid at a gross minimum {$100000.00}. I have repeatedly asked XXXX Bank to provide my transaction history of all payments received. In those years and also XXXX to XXXX and the reason that I asked this is because they are required by law and the records retention law to keep the records off site at another location either as archives. We're just for record keeping now, the CFPB writes. Those laws are only protected for five years, but that is only within the bank system. Under records retention law, the records are supposed to be moved to another location, even like taxes in our records building off site. And it is for this reason that I am requesting all my payments received. XXXX Bank, Nationstar Mortgage, and Mr. Cooper state falsely and fraudulently false claims to Consumer Financial Protection Bureau and the Federal Trade Commission when they say that they responded to my request. I affirm. I click yes on the computer that they did. Respond to my request, but I have to detail that they responded falsely. Like by stating apples or oranges, what they actually do is they mail me a letter and say give me {$130000.00} or give me {$120000.00} or give us {$120000.00} when I ask for my transaction. History of all payments received. The staff also stated that they've never heard of CFPB DOES NOT OFFER A OPTION TO SELECT A FHA XXXX MORTGAGE AND THEY ARE FOR HOMES THAT ARE {$550000.00} TO {$1.00} XXXX DOLALRS MYHOME IS NOT WORTH THAT XXXX MONEY ADN THE TYPE MORATEG THEY CLAISM TEHY ISSUED IS NOT AVAIBLE IT DOE SNOT EXIST. \n\nfha XXXX WAS A CANCELD MORATGE LOASN PROGRASM AND MY DEBTS ARE ASTAISIFED, TEHY ARE ALLEDGING IN XXXX ADN XXXX THAT THE XXXX BANSK STAFF AD ALL TEH INVESTOR AND CEOMAPNOES THEY LIST WITH XXXX XXXX XXXXXXXX XXXX NATIOSN STAR AND MR COOPER TEHY ATTRONTYE XXXX AND XXXX ARE COLLECTIGN A DEBTWHEN TEHY KNWO THE XXXX XXXX SHOWED I AM NOT A MRATEG ADN DO NOT HAVE ANY LOANS AND TEHY KNWO FHA XXXX XXXX ENDED WHEN THEY CLAIM THEY WOTRE RECIEVD AND HAVE A INVETSOR IS FLASEHIID THEY NEED OT CORRECT ADN STIPO. THEY HHAVE NO LIEN WORTE A FHA XXXX XXXX WHCI IS FALS EBCAUSE IT WAS CANCCEDLL.\n\nDEBT THAT I HAD HAS BEEN PAID I AM OWED A SATSFIED FIED MRATGE CLEAN TITLE NATIONS sTAR, mR. cOOPER ADN XXXX BANK ARE ALLEGING ADN COLLECTION TRY FORECLSOE SALE AUCTION MY HOME AND CHANGE NAME OF MY DEED AND FORCE ME INTO BACNKRUCTY XXXX XXXX  FOR A FHA XXXX XXXX AND TEH MORTAGES WERE CANCLED WHEN TEHY CLAIM THEY WROET OR CONITED DEBT AGAISNT ME THE MORAGE WAS AP D OFF AS MY CREDIT RPORT AND GIVERMENT SHOWS I HAVENO DEBTS,. THEY CANT COLLECT ON A FHA XXXX XXXX WHEN THEY HAVE NO FHA XXXX XXXX OR FCASE NUMERB ADN TEH CASE NUMEBR SHOWN SHOW PAID,, XXXX XXXX I was over billed at a gross minimum of XXXX. It's really more. Just in the time frame of XXXX to XXXX. XXXX Bank Nationstar Mortgage Mr. Cooper has been collecting on a mortgage type that does not exist. They have been collecting on a FHA XXXX mortgage which that program was cancelled three years prior. But they wrote these documents and they pretend that they have an investor, they pretend that they have a loan and they have absolutely nothing, which is why their information did not enter the FHA system nor the HUD system or any government system as existing as a loan because that loan type was cancelled. They have never had standing to collect against me since XXXX to XXXX and I am owed all of those payments back with interest. \n\nI have reported this error to them repeatedly and it's like there's something wrong with them. They keep talking to me about amortization and maths, like they can't add, like they didn't do any math training. Or even reading. Incomprehension. I have told them repeatedly that it does not exist and they can't. They said that FHA is wrong and HUD is wrong. And they failed to understand that they wrote a mortgage type. For people that have XXXX in {>= $1,000,000} homes. It appears that they are affiliated with local St. criminals as well. Some hang out at the library. XXXX XXXX Bank staff. And they claim service link and a company called XXXX and a company called XXXX by XXXX XXXX that they made these FHA have mortgages. And again that was cancelled later on when Obama went out I believe. And they claimed they did modifications, none of which are supported by the government, which is why they're looking at them for fraud. All of their HUD partial claims that they claim against me are considered fraud as well. It is for this reason that the staff have to correct their errors. Either I can file a complaint as negligent. And miscalculation and errors or I can file charges. This is not a matter of dispute, These are matters of fact. \n\nXXXX Bank claims that they did FHA XXXX loans and mortgages in the year of XXXX. XX/XX/XXXX XXXX  when they were over. They also claimed that they did had partial claims that they saw that. And they didn't see anything because it was paid off, as a government showed. This This is why there is no mortgage listed in the computer and I am not listed as a mortgager because I don't have a mortgage and there is no lenders listed because no one will lend it to me. Thus when they typed it, they have an investor. It is important for the authorities to find out who the. Investor is and who has been collecting these funds? And distributing this paperwork because? That fraud, false claim and there is no investor because it was already paid off XXXX to XXXX years ago. And when XXXX claimed to have wrote those mortgages, again, that program was dismantled by the government. So they're clearly making a false claim. It's either clearly financial institution fraud and embezzlement or clearly an error. \n\nWhen I tell them this and I tell them to correct it and they won't, it appears that Nationstar Mortgage, Mr. Cooper and XXXX Bank and XXXX XXXX and all of its names and all the websites they make up and the local people, criminals that they have working with them as well, it's like. Prime rank. These errors that I find that XXXX Bank transferred the FHA mortgage debt of XXXX and XXXX and hooked partial claims. All of which do not exist because the programs were cancelled and there was no debt. So they transferred a ghost or imaginary or false debt and they made these claims that they were executed. Not by the government, not by FHA, not by XXXX, not by any government institutions as all loans are. But they claim that it was executed by a company called XXXX. XXXX Bank supervisor XXXX XXXX  and XXXX XXXX and XXXX and all the names they call themselves who wrote all these documents with their St. camera. Criminals and the criminals in marketing as well. Therefore, their claims of loans are obviously aired. False fraud, inducement, money laundering. Because the government ended those programs that they're claiming was backed by an investor. All associated need to be arrested and prosecuted in my opinion. But. We'll see what happens. For right now, I'm asking that these hair errors be corrected. Therefore, they must stop transferring imaginary, false, miscalculated, erred. Falsification of documentation. Financial institution fraud. Money laundering. Created that that it false that. They have libeled me and slandered me. I paid off a mortgage in five years. And I worked XXXX hours a day and I'm not getting any man or any woman my extra payments. They have to work and go to college just like I did. They're gon na have to go to the universities and get masters degrees and bachelors degrees and work 2 jobs just like I did. I'm not giving them a cent. Or Penny. They're gon na get my money back. And I am. You're gon na litigate for them falsifying and clouding purposefully my title, my deed, my Social Security number, and my name and the all the parties with them that supported those lies. The staff that work in public positions be at state, federal, city, Township and their public servant roles are required by a law called Duty to Report and every single bank staff and public staff at any business had a duty to report that they saw these crimes occurring. Their collection efforts are being made and typed into the computer and they were collecting funds with their out being any validity to do so. Upon reporting this to the police, they were derelict in their duties. By state and racist by stating that they refuse to prosecute these bank staff that felt like it was OK not to take {$0.00} but to take XXXX dollars {$30000.00} a year not just in overpayments but all payments because it did not exist they also felt like it. It's OK to use a HUD partial claim of delinquency against the debt that did not exist. How could there be a debt when it does not exist? Thankfully unto XXXX, these ignorant people signed me up for a mortgage that was cancelled by the government. But they did that on purpose to make it appear that they did not do a crime against FHA, HUD, XXXX  XXXX, State, Township, local or any government agencies, that they only did a crime against me as a citizen. And they need to think about that. Because they're believing that they won't get in trouble with all those government priorities because it'll be a miscalculation. But when you do these crimes against the citizen, they're just crimes. They're not just a miscalculation. So again, Nation Star and Mr. Cooper validated false debt, then they went further. And they mailed it to an attorney who began fraudulent foreclosure, fraudulent auction with service link and other priorities, falsifying all, falsifying a debt that just does not exist. So in the years between XXXX and XXXX, I grossly overpaid at a gross minimum {$100000.00}. I have repeatedly asked XXXX Bank to provide my transaction history of all payments received. In those years and also XXXX to XXXX and the reason that I asked this is because they are required by law and the records retention law to keep the records off site at another location either as archives. We're just for record keeping now, the CFPB writes. Those laws are only protected for five years, but that is only within the bank system. Under records retention law, the records are supposed to be moved to another location, even like taxes in our records building off site. And it is for this reason that I am requesting all my payments received. XXXX Bank, Nationstar Mortgage, and Mr. Cooper state falsely and fraudulently false claims to Consumer Financial Protection Bureau and the Federal Trade Commission when they say that they responded to my request. I affirm. I click yes on the computer that they did. Respond to my request, but I have to detail that they responded falsely. Like by stating apples or oranges, what they actually do is they mail me a letter and say give me {$130000.00} or give me {$120000.00} or give us {$120000.00} when I ask for my transaction. History of all payments received. The staff also stated that they've never heard of a transaction history. And it is for this reason that I am asking again that these records be provided to me, perhaps under court subpoena and under the CFPB 's direction. \n\nIn regards to the FHA and HUD already validated that my mortgage was paid off. In XXXX, a FHA XXXX mortgage was rolled for {$92000.00}. In XXXX, when you. Subtract the overpayment, the minimal overpayment from XXXX to XXXX. Again, it is a gross minimum of {$100000.00}. I actually paid more than that. When you do this subtraction again, it's overpaid, and that's not including XXXX to XXXX. It is for this reason that I was arguing that the mortgage was paid off. In XXXX by name. FHA and HUD content or in the position of stating that they paid it off when the XXXX Bank staff took out a XXXX unnecessary illegal fraudulent HUD partial loan and it was fraud because they foster. Side that I was delinquent and that {$30000.00} hit my account and paid off the {$29000.00} debt, they did not issue the overage to anyone. Whatever {$30000.00} -? XXXX dollar balance in XXXX leaves {$1000.00}. Now what XXXX Bank with staff was trying to present is that there is another mortgage called an FHA XXXX loan and that FHA XXXX loan. With the {$92000.00} debt. And that {$92000.00} debt they're trying to say came into existence after the XXXX partial claim. But this here is false. What occurred was the bank staff did a modification in error and the way that they did it was. And they wrote down this wrong math and they wrote down that there was a {$92000.00} balance because that's what the staff was maintaining falsely in the computer to all the other departments, the actual staff that could see the internal systems of payments being applied and subtracted. To that there was only a {$30000.00} debt. It is for this reason that that {$92000.00} debt of the FHA hair color. In XXXX. Is complete. A mathematical error. Because the. Loss Mitigation department, Collections Department Those air departments of underwriting could actually see that only {$29000.00} was old, they claim. And FHA and HUD claim. With that being said, then obviously the {$92000.00} FHA. And XXXX of XXXX is a mathematical error. On the part of XXXX Bank, because they, as witnessed by the XXXX XXXX paper from XXXX to XXXX and XXXX, was falsely reporting my payments and balance, which caused the. XXXX FHA  XXXX Mortgage of XXXX to be written. And they need to correct it by. Forgiving it or cancelling it? Because they know that they did not get a new number. No new parcel ID number, no new FHA number. And so because there was no new FHA number. With the FHA XXXX loan of {$92000.00} in XXXX, Then again. It is inaccurate. That there are no moms and that it's paid off and This is why. FHA and XXXX I believe is saying that they show no loans. There also was no new. FHA Case Number written for the FHA XXXX loan It was the same mortgage number, the same FHA case number for the FHA hamper of XXXX for {$92000.00}. So it appears that all parties. That that debt was paid off The confusion or the falsehood begins when XXXX Bank staff from XXXX into XXXX created several documents in private on my behalf. The only bank staff could write only people in their department. Right. I, as a bowler or a citizen could not write those documents. Now I am not referred to as a borrower or a mortgager in the credit Bureau. And no lending and no debts are listed on my credit at all. So again, these lending institutions and servicers are libeling and slandering me when they reference me as a debtor, A mortgager and a lender. And it is necessary. That these staff, I don't know if they need the law to make them do the right thing. But they have to comply with law as they were told to do previously. So. The only thing that becomes a problem is what the staff wrote from XXXX into XXXX which is impacting XXXX. The staff fraudulent deed that there was a {$92000.00} mortgage FHA XXXX that was carried into XXXX is what you would expect. Because it's near or the exact amount, but when in fact what the XXXX Bank staff did in XXXX, they actually are wrote down that they did a new FHA XXXX loan for {$92000.00} and they matched the amounts and they did not carry it. XXXX They are not falsifying that they carried that debt. They're just saying that I just owed it all that time and that they wrote 3 new loans between XXXX and XXXX. Thank XXXX none of them went through. But they have been illegally collecting, illegally foreclosing, and illegally auctioning. It is for this reason that I am writing this notice of error. On the XXXX. In XXXX, FHA XXXX mortgage that the servicers and lending institutions that XXXX Bank listed and their fake investor claim to have created. Which are not supported because. I think. FHA XXXX loans I think ended like in XXXX or XXXX. They're over so they have no standing to contact me. They are bylaw required. To stop. Including with their St. thugs. That do computer crimes. Intrusion. But it is known specifically that it was the lady supervisor in XXXX and XXXX and for this reason I am old. A clear title and a satisfied deed because they allege that they are collecting. There were XXXX and XXXX documents. When this is brought to their attention as I'm bringing again. They refer back and say well it's the XXXX deck or they'll say well it's a XXXX  day and I have already detailed how the XXXX debt was paid off and the XXXX debt. He's paid off, and the XXXX XXXX was paid off and the HUD loan was paid off. And it is for this reason that I am asking the Consumer Financial Protection Bureau, the Justice Department, the Federal Trade Commission, and all concerned priorities to enforce that. Please do a permanent financial restraining order and that they stop collecting, stop their foreclosure actions, stop their listing my house for sale, stop. Their foreclosure and that they clear my title, Social Security number, address, my name and that the issue is satisfied. Loans and mortgages for HUD. For FHA and FHA XXXX. Because the FHA case number and the loan numbers that they refer to in all of these XXXX documents are documented by the government with a XXXX balance. Is not a dispute. These are facts. The debt that they're alleging against me again as an FHA XXXX loan was cancelled by the government XXXX or XXXX years prior, so they are clearly making a fraudulent false claim. Or air when they state that I owe anything from XXXX. From XXXX. XXXX to XXXX. And they're required under the Michigan law to issue that satisfaction and to type up all these errors that I'm showing. And type up what they corrected exactly so that my title is not damaged. In regards to damaging my reputation and my property and title, I'll deal with that later, but what is of most expedient importance is that these errors be corrected immediately. And that I be issued clear title satisfied deeds. And that. All of their means of encumbrances and on my land and on my real estate and all over my property and all that ridiculousness be documented by their attorneys that they are cancelling that. And it is of no confusion that it was paid off in XXXX so my satisfaction should be back for into XXXX. And I am older letter stating that from XXXX to XXXX. Like a big staff made errors. Miscalculations and that they did a wrong loan and that they did not find any debt and that they issued a loan that did not exist because the government has already confirmed that there was no debt and that they're not etelling the truthor erroed Please provide these records. Of billing statements and payments received for the last 17 years. Please provide the satisfaction. In the clear title. From dated XXXX or XXXX and because they already stated that they were never supposed to have given me a hug mom, but they didn't put it for XXXX. And also please provide a letter that y'all were in error from XXXX to. XXXX in your calculations. And that you were wrong to pursue auction for sale and foreclosure. Because those government programs don't exist. They either. That y'all were trying to have a that you have as liens. Please note that the apology law. Is not acceptable. I will be litigating. If not for crime, if you don't comply with the law, then I will be litigating. If you do comply with the law, if you do comply, I will be litigating for liable, slander, defamation, lender liability and negligence. If you don't comply with the law. Then I will do as I have already written. I will pursue the matter as I've already written. Because no matter what. They already told y'all that they could see that y'all were doing financial institution fraud and embezzlement and money laundering. In XXXX. And they asked y'all to comply with the law and I'm still asking that. And you need to comply immediately You have to comply immediately because Michigan State law states that when a request for satisfaction is owed and requested, it is to be issued in XXXX days. And I have proven beyond a shadow of a doubt with my credit report, with the FHA letter and HUD stating nothing is old and with the fact that the type of mortgage that y'all wrote does not exist, it ended. And you can't go back and say, well we wrote on this, but now we're gon na try to restart a XXXX mortgage notes paid off. Ohh. Well we wan na refer back to XXXX and know that's paid off. It's all the same mortgage, no new FHA number. Was ever issued nor a FHA and hemp number is y'all are fully aware that it's XXXX. In regards to the staff 's choice of taking out HUD, partial claims and falsifying the delinquency existed on a account that did not even exist. Just remember, I'm not even your customer. I'm not your customer. My home is not your customer. You're demanding fines and demanding my home, which would equate to house theft with your other parties included. So again. I'm asking for those transaction history records, I'm asking for those billing statement records, and I'm asking for payments received under the transaction history. I'm asking for a clear title. I'm asking for a satisfied mortgage, and I'm asking that you remove all your foster against me. Which is funny because it's only. Amongst your letters, your debts are not listed at FHA, they're not listed at XXXX, they're not listed at HUD, they're not listed at the credit bureaus, they're not listed at the XXXX XXXX. It's just a few strange people walking around my home making those claims and also on records of the billing statements. What are the net? There is nothing to substantiate that anything exist. And your attorney stated that y'all were not going to give them the truth. And I am reporting that Nationstar Mortgage, Mr. Cooper and XXXX did not give the truth to consumer. Financial Protection Bureau and they did not give the truth to their attorneys nor to me. And they have not provided me the information that I asked for for years, they respond. But they don't respond with what I'm asking for. Is it required to by law? You have to tell XXXX Bank, Mr. Cooper, Nationstar that are all located at XXXX XXXX in XXXX, XXXX  at the same address as well as another. Address in XXXX, address in XXXX and in XXXX  and in XXXX, XXXX. That they do not hold a debt against me. As it is written. And that they can not do a non judicial foreclosure by a deed sale or just a deed transfer. That's deed fraud and title fraud. It be auction fraud and foreclosure fraud, embezzlement and money laundering and financial institution. And this is the reason that I made those complaints, because it's true. Now I'm asking. 4 clear title. Satisfy the. As I am old from XXXX to XXXX, I don't owe y'all a cent. And quite frankly, for the bank staff to type in debt against me is actually a cyber security crime. Scratch Issue those transaction billing statements from XXXX to XXXX and the payment history from XXXX to XXXX at your earliest convenience and look at your records that you wrote. Where you wan na do you wan na take my title indeed out of my name? Your own title search read that I am not a mortgager and that there are no liens against me which shows that it was XXXX. So please look at your records where you wrote that you gave me an FHA loan plan in XXXX and XXXX when it was over. And that you are therefore required to. \nI am owenr of XXXX XXXX XXXX i have no debts. i stayed with in my XXXX Budget they provided. \nPlease rpoet to you attroney how youll did a fha hamp mortage when it was a ended program and they have no debt against e. Please stop reporting me in letetr of collectyoin to attrorny and fha hampo as if I have a lender adn debt andam a bororower or as a Debtor, Mortaggor, stop livbel stop slander, cancel your bankruptcy against me in all actions against my home my property my name my social security my title my deed cancel auction. Cancel your foreclosure. Cancel your bankruptcy. Cancel your collections. OK. Then I can file it as a miscalculation. And as negligence. And libel, slander, defamation. And please also issue my clear title, satisfied deed and a letter stating that all that y'all wrote against me is not old and that it was a miscalculation. Is the ending of the program from the government ( FHA XXXX ) ( 1 FHA NUMBER is paid and satisfied and the loan numerb youll transfer XXXX shows. Please comprehend that all because y'all typed in debt in the computer and you deceived me through fraudulent billing statements that could have been an error. That those amounts never penetrated into the HUD system or the FHA system or the FHA XXXX XXXX. They did not even penetrate into the records office. You have no standing. You have no right to contact me or to even claim that you have a lien against me. But you do owe me a clear title, and staified ded and all the records I reausted asap fAND MORTGATE DEBT Nationstar Mortgage. Mr. Cooper, XXXX Bank & XXXX by lOAN. ARE NOT LISTED ANY WHERE BUT IN MAIL","date_sent_to_company":"2025-09-03T22:50:06.000Z","issue":"Trouble during payment process","sub_product":"FHA mortgage","zip_code":"48197","tags":null,"has_narrative":true,"complaint_id":"15692040","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Mr. Cooper Group Inc.","date_received":"2025-09-03T21:06:52.000Z","state":"MI","company_public_response":null,"sub_issue":"Lien release"},"highlight":{"complaint_what_happened":["That that <em>debt</em> was paid off The confusion or the falsehood begins when XXXX Bank staff from XXXX into XXXX created several documents in private on my behalf. The only bank staff could write only people in their <em>department</em>. Right. I, as a bowler or a citizen could not write <em>those</em> documents. Now I am not referred to as a borrower or a mortgager in the credit Bureau. And no lending and no <em>debts</em> are listed on my credit at all."]},"sort":[10.768717,"15692040"]},{"_index":"complaint-public-v1","_id":"2699252","_score":8.434671,"_source":{"product":"Debt collection","complaint_what_happened":"Please find that \" XXXX XXXX XXXX '' is acting as a Trustee under a disguise of a SELF Appointed Sub of Trustee role, indicating that a \" TRUST '' NAMED XXXX XXXX XXXX XXXX XXXX ' is the owner who assigned them by some \" client of their own making named as a Servicer called SPS. That the underlying investor named XXXX XXXX went defunct, and only \" assets '' moved to XXXX XXXX in XX/XX/XXXX '. However XXXX was informing they \" were '' the lender. Took funds from me for 7 years now those funds were OMITTED and forced into a mod OR foreclose - that increased the balance. XXXX said they were the \" Lender-Investor-Creditor '' then each Regulatory Agency said NO you ca n't be as nothing existed as this was non performing in XX/XX/XXXX '. There are now over 8 lawsuits by regulators instructing XXXX to stop lying. Add confusion that XXXX acting as Servicer was bought by XXXX now XXXX claimed both roles. Rather than keep any of the agreements made under XXXX 's very extreme abuse which I encountered horrible lies told and moving into a full underwriting for a rewrite of a new mod - ( which at that time XXXX said I missed a payment to cause a default -this was not true ) I had made those payments. Furthering the abuses by XXXX turned to XXXX. XXXX admitted NO Lender can be known it is impossible. However while I was \" in '' underwriting for this very long awaited outcome of principal write down - XXXX made a mistake and caused an admitted mistake of a filing a Notice of Default. That NOD was filed \" Outside of CA Laws '' and the newly enacted Civil Codes including specific documents to be attached XXXX that were not attached and never attached - Filed a false affidavit as XXXX had full documents, and continued at that point to \" Transfer '' for a Debt Collection to Servicer SPS when \" no underlying investors existed '' however SPS did not care about any laws of California, and allowed XXXX 's own attorney firm acting now as the Sub of Trustee ; causing a Posted Sale during the transfer Time - Clearly CFPB Violations. Continued to cause dual hardship and later found that XXXX was NOT the Investor when asked to use \" Keep Your Home California '' as then found no investor existed. This did not stop backdated Fake assignments and claims by XXXX XXXX  foreclosure to continue to make up fake Assignments and record at the XXXX XXXX and then used in a Bankruptcy filing to make a non sensical link that is purely fictional. Then jumped again from 3 Attorney firms to make claims they worked for XXXX XXXX which was \" Impossible '' the other claimed to work solely for SPS however on paper claimed another role - that of SUB OF TRUSTEE for a \" Creditor '' as under the DOT only a Creditor can Assign - however given no investor exists = The Attorney firms created the paper and used for the notary tag team of the Servicer to ACT as if some real party holding rights has given them an official power of attorney to allow employee 's of unrelated persons to act and now assign a new Sub of Trustee this was a double event, first using XXXX XXXX, acting as SOT self assigned and now XXXX XXXX XXXX XXXX as Trustee with claims that an owner under the DOT has assigned them however the only client existing is a Servicer \" claiming to have a client ''. During this entire fiasco of intense harassment, including interferences to property rights, use and income affected, without any concern the \" Attorney 's '' brought the FRAUD onto the Federal Court. The FRAUD of now which includes entirely made up fake assignments, and \" Forged Note ''. The Notes existing are the one most similar to XXXX Bank 's Note perhaps found in the original XXXX XXXX XXXX as that is the only real lender related. However during many disputes each one diverted by deflection of no responsibility exists to answer or lame blame answers that are unrelated to the facts having caused an entirely Made Up Figures -along with a \" newly Created '' FAKE FORGED NOTE. Now this Note being claimed Due ( Which is Time Barred ; Has No owner : and was discharged after 10 years in a XXXX ) Now appears to have an \" Allonge '' that is pre-dated from the borrower/myself ever signing or seeing this Allonge. That once an Allonge is created it forever stays with the NOTE. This did not happen as NO Allonge existed. IT is clear that XXXX does not have that Allonge and provided a different note to answer Regulators in XX/XX/XXXX '. At the same time SPS produced this same fake forged note with an allonge that was Dated BEFORE Borrower 's ever signed her note or loan documents. This makes NO VALID SENSE. Except of a Stolen note event. That NOTE includes an Allonge signed by someone named XXXX.  That XXXX NOTE was presented to federal Court. That XXXX NOTE is a fake note being tossed to varied self Assigning Sub of Trustee 's having no concern of \" who '' or \" how '' their client has represented that they self assigned a role of SUB OF TRUSTEE - however typically made by their own firms attorney firm. Signed by a NON CREDITOR NON OWNER and pretending to use as if a real beneficiary has assigned them a role. Recording that SOT on the Courts and County Records. Then using this as proof to have been hired to act on behalf of a \" Creditor '' named as the Trust. This is bogusly corrupt. No REAL Client exists of the Creditor/Investor. No relationship to the SOT exists from the claims made. ONLY a Beneficiary can assign such a role. However in this event ONLY a Self monopolized role of a Servicer Self Servicing a Role that is NOT true and then being the ONLY client of the Sub of trustee in this case EVEN Though on paper a Sub called XXXX XXXX XXXX acting for INVESTOR XXXX  I XXXX however this is NOT True. QLS \" only ' client is a Sub to a Sub to a transfer from 5 times back to end up in hands of non related parties and no underlying beneficiary. \n\nThe Note is no longer enforceable by any means. Rather than release the lien. A game is played that has now raised further illegal abuses to have occurred. That relates to an underground back door Deed Theft Ring happening and the \" Attorney 's hired '' by those fake claimed servicer 's are aiding the wrong party entirely to enter side dealings that compromise the integrity of our entire Court, and County Land Records. At this very time, those attorney firms associated with the Deed Theft Rings are these SAME Linked parties. My other property was purely fictional Bank came and pretended a sale auction occurred -- NO Sale Date had occurred however these Attorney 's aiding wrong parties are now \" feeding themselves '' in new paths to aid the Deed Theft Rings. That right now over 100 Properties the ones I 've personally investigated this week alone all relate to time barred, no real underlying creditors and now instead of the Servicer claims those employee 's of both Servicer AND AUCTION Co and that of the pretender Sub of Trustee 's are allowing fake trustee 's deeds to wrong parties. Relentless in being brainwashed to think they have a \" client '' that is an Investor Beneficiary however knowing that this would be IMPOSSIBLE. That it is believed that no good faith, no duty of fair dealings whatsoever are possible when dealing with theft of this magnitude and pay outs that allow the largest attorney firms to make a ton of money related to false pretenses and think they can rule the entire system with fake documents. When XXXX was recently assigned as \" attorney ' associated to be the backbone of XXXX XXXX XXXX - assigned to this file - having already laid hands on my other properties to which has entirely fake persons making up fake assignments - in this situation, both QLS and their role changing hats XXXX claim that they are all Exempt from ALL LAWS and any mistakes regardless of how BIG a mistake being made has only to land on Servicer 's back and that they can make any claims they want as playing role Trustee. However each time they are informed WRONG FIGURES - Failing and Omitted 7 years of payments, entirely made up forged affidavits, robo signers named as those in the XXXX agreements, continue to slander my title with false documents by fake persons, fake claims and having no real underlying client. QLS had stated that they will make sure to follow all laws under CA State as they are the Trustee and that is required however when pushed they claim \" Exemption '' from all laws. \n\nNow each CA Specific State law is not upheld. The NOD was filed defectively in the first place it is still and will forever be missing the \" XXXX '' as now it 's been nearly 5 years since that faulty NOD filed by XXXX 's inhouse council acting in all roles monopolized the system and had admitted that a mistake and misrepresenations were made at that time and thereafter. NOW a Posting of a Sale showing THAT MONEY IS OWED - no Debt is owed as this is Discharged after the 10 years in XX/XX/XXXX '. However this does not stop publishing of the same claimed debt. Now furthering was a Posting of a Notice of Sale by XXXX XXXX XXXX ACTING DECEPTIVELY - THIS INCLUDED MAILING TO WRONG ADDRESS. Skirting the proper notice. Then when informed of a dispute existing of figures, and of the debt - that informed QLS of the varied lies encountered along with each lawyers firm hired that no longer exist 3 entire different firms found 2 of which were acting illegally and were closed - however never reversing the faulty NOD. Now underneath the chain of title is fake forged notes, and forged assignments by non related parties. The chain includes some back-dated assignments to unrelated parties not even the same as \" who '' is now claimed or \" who '' was claimed the time involved. Both QLS and their Attorney firm named XXXX XXXX XXXX who \" SPS '' continues to reference as \" their '' attorney firm however XXXX states NO they are ONLY XXXX XXXX XXXX 's Attorney Firm and that any mistakes are not their concern if made by Servicer. This tossing back and forth is deceptive. XXXX does interject and advertise that they are hired by the Banks and Servicer 's however now appears that this is a Front. That the servicer 's believe that they are handling legal aspects however NO ONE IS. The laws continue to be shaded and disregarded. \nA letter was sent to all parties in XX/XX/XXXX, and XX/XX/XXXX on \" figures '' and loan history requests ; again answered with \" Omitted 7 years '' ; Request was made to reverse the faulty NOD ; The letter of XX/XX/XXXX addressed no response from QLS either as they stated they would confer and respond after the servicer response to make sure laws are followed then instead state ONLY DO AS INSTRUCTED by the Servicer - QLS then apparently SPS had instructed this firm to by pass the NOTICE Posting and fail to Properly Notice Homeowner, then has informed them to ignore all pre-foreclosure procedures including excessively moving sale dates more than 3 times and without regards to any \" answer '' to any concerns raised. No answers come. No Accounting to match their made up claims. No true rights exist by such illegal means. A continued pattern that has caused the Commercial Crimes Division to become involved on my files as the FRAUD IS ALL OVER THE Place. A few attorney firms refused this file. NOT XXXX as they throw it to XXXX XXXX XXXX and claim they are not acting as Attorney 's so this means they can break all laws in such a role. \n\nNow QLS fails to answer AT ALL. ON XX/XX/XXXX a request was made for the full accounting and reinstatement figures under additional laws ; however XXXX and XXXX who share offices at times and other times separate themselves from any accountability by deflecting any means to by pass accountability to uphold laws. Now on XX/XX/XXXX attempts were made to XXXX for the pay off figures and instead of providing these figures, stated NO Such Department was operating as they were in the middle of a Move of \" that '' Department and at this time had no phones no internet and no access. That Department of payoffs and figures to cure the loan before a foreclosure was NOT AVAILABLE. Would not be available as they were at that time walking down the street hand carrying boxes. That this is the typically response it is always some \" other '' person or department and each call results in a claim someone will call back and not once has a call been returned. This has been a sham. That NO good faith is found. That at all times I could pay and afford my payments I was denied my rights, and I was lied to by \" each '' entity hired by this so called Servicer working on behalf of an \" unknown '' and impossible to know Beneficiary - however QLS continues to instruct XXXX XXXX to Publish that a Beneficiary is somehow directing all actions including that of Nationwide Posting by a 3rd party named as SOT Sub of Trustee who is self assigning their role without any real client. I am asking that a chance be given to allow fairness rather than steal my house of 12 years that I made EVERY GOOD EFFORT and Paid and my money was stolen right from me and now being aided by this Threat of Foreclosure from faulty schemes and failing to follow the laws. Not one entity has reviewed the CA laws including CC 2924g, 2924.17. or 18, and or any of the entire Civil Codes pertaining to heightened requirements of the XX/XX/XXXX ' enacted laws that were ignored at that time. Now running on a false and defective means to steal property without having a proper right, nor following any procedures set forth under the applicable laws. Not from the simple laws to the more complex security laws under the DOT noted under item 1 & 16 which claim all laws are to by upheld.","date_sent_to_company":"2017-10-11T16:47:07.000Z","issue":"False statements or representation","sub_product":"Mortgage debt","zip_code":"90740","tags":"Servicemember","has_narrative":true,"complaint_id":"2699252","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SELECT PORTFOLIO SERVICING, INC.","date_received":"2017-10-11T16:47:05.000Z","state":"CA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["The NOD was filed defectively in the first place it is <em>still</em> and will forever be missing the \" XXXX '' as now it 's been nearly 5 years since that faulty NOD filed by XXXX 's inhouse council acting in all roles monopolized the system and had admitted that a mistake and misrepresenations were made at that time and thereafter. NOW a Posting of a Sale <em>showing</em> THAT MONEY IS OWED - no <em>Debt</em> is owed as this is Discharged after the 10 years in XX/XX/XXXX '."],"product":["<em>Debt</em> collection"],"sub_product":["Mortgage <em>debt</em>"]},"sort":[8.434671,"2699252"]},{"_index":"complaint-public-v1","_id":"2699374","_score":8.421963,"_source":{"product":"Debt collection","complaint_what_happened":"Please find that \" XXXX XXXX XXXX '' is acting as a Trustee under a disguise of a SELF Appointed Sub of Trustee role, indicating that a \" TRUST '' NAMED XXXX XXXX XXXX XXXX XX/XX/XXXX' is the owner who assigned them by some \" client of their own making named as a Servicer called XXXX. That the underlying investor named XXXX XXXX went defunct, and only \" assets '' moved to XXXX XXXX in XX/XX/XXXX '. However XXXX was informing they \" were '' the lender. Took funds from me for 7 years now those funds were OMITTED and forced into a mod OR foreclose - that increased the balance. XXXX said they were the \" Lender-Investor-Creditor '' then each Regulatory Agency said NO you ca n't be as nothing existed as this was non performing in 07 '. There are now over 8 lawsuits by regulators instructing XXXX to stop lying. Add confusion that XXXX acting as Servicer was bought by XXXX now XXXX claimed both roles. Rather than keep any of the agreements made under XXXX 's very extreme abuse which I encountered horrible lies told and moving into a full underwriting for a rewrite of a new mod - ( which at that time XXXX said I missed a payment to cause a default -this was not true ) I had made those payments. Furthering the abuses by XXXX turned to XXXX. XXXX admitted NO Lender can be known it is impossible. However while I was \" in '' underwriting for this very long awaited outcome of principal write down - XXXX made a mistake and caused an admitted mistake of a filing a Notice of Default. That NOD was filed \" Outside of CA Laws '' and the newly enacted Civil Codes including specific documents to be attached XXXX that were not attached and never attached - Filed a false affidavit as XXXX had full documents, and continued at that point to \" Transfer '' for a Debt Collection to Servicer XXXX when \" no underlying investors existed '' however XXXX did not care about any laws of California, and allowed XXXX 's own attorney firm acting now as the Sub of Trustee ; causing a Posted Sale during the transfer Time - Clearly CFPB Violations. Continued to cause dual hardship and later found that XXXX was NOT the Investor when asked to use \" Keep Your Home California '' as then found no investor existed. This did not stop backdated Fake assignments and claims by XXXX XXXX foreclosure to continue to make up fake Assignments and record at the XXXX County and then used in a Bankruptcy filing to make a non sensical link that is purely fictional. Then jumped again from 3 Attorney firms to make claims they worked for XXXX XXXX which was \" Impossible '' the other claimed to work solely for XXXX however on paper claimed another role - that of SUB OF TRUSTEE for a \" Creditor '' as under the DOT only a Creditor can Assign - however given no investor exists = The Attorney firms created the paper and used for the notary tag team of the Servicer to ACT as if some real party holding rights has given them an official power of attorney to allow employee 's of unrelated persons to act and now assign a new Sub of Trustee this was a double event, first using XXXX XXXX acting as SOT self assigned and now XXXX XXXX XXXX Acting as Trustee with claims that an owner under the DOT has assigned them however the only client existing is a Servicer \" claiming to have a client ''. During this entire fiasco of intense harassment, including interferences to property rights, use and income affected, without any concern the \" Attorney 's '' brought the FRAUD onto the Federal Court. The FRAUD of now which includes entirely made up fake assignments, and \" Forged Note ''. The Notes existing are the one most similar to XXXX XXXX XXXX Note perhaps found in the original XXXX XXXX XXXX as that is the only real lender related. However during many disputes each one diverted by deflection of no responsibility exists to answer or lame blame answers that are unrelated to the facts having caused an entirely Made Up Figures -along with a \" newly Created '' FAKE FORGED NOTE. Now this Note being claimed Due ( Which is Time Barred ; Has No owner : and was discharged after 10 years in a BK ) Now appears to have an \" Allonge '' that is pre-dated from the borrower/myself ever signing or seeing this Allonge. That once an Allonge is created it forever stays with the NOTE. This did not happen as NO Allonge existed. IT is clear that XXXX does not have that Allonge and provided a different note to answer Regulators in XX/XX/XXXX '. At the same time XXXX produced this same fake forged note with an allonge that was Dated BEFORE Borrower 's ever signed her note or loan documents. This makes NO VALID SENSE. Except of a Stolen note event. That NOTE includes an Allonge signed by someone named XXXX. That XXXX NOTE was presented to federal Court. That XXXX NOTE is a fake note being tossed to varied self Assigning Sub of Trustee 's having no concern of \" who '' or \" how '' their client has represented that they self assigned a role of SUB OF TRUSTEE - however typically made by their own firms attorney firm. Signed by a NON CREDITOR NON OWNER and pretending to use as if a real beneficiary has assigned them a role. Recording that SOT on the Courts and County Records. Then using this as proof to have been hired to act on behalf of a \" Creditor '' named as the Trust. This is bogusly corrupt. No REAL Client exists of the Creditor/Investor. No relationship to the SOT exists from the claims made. ONLY a Beneficiary can assign such a role. However in this event ONLY a Self monopolized role of a Servicer Self Servicing a Role that is NOT true and then being the ONLY client of the Sub of trustee in this case EVEN Though on paper a Sub called XXXX XXXX XXXX acting for XXXX XXXX XXXX XXXX however this is NOT True. XXXX \" only ' client is a Sub to a Sub to a transfer from 5 times back to end up in hands of non related parties and no underlying beneficiary. \n\nThe Note is no longer enforceable by any means. Rather than release the lien. A game is played that has now raised further illegal abuses to have occurred. That relates to an underground back door Deed Theft Ring happening and the \" Attorney 's hired '' by those fake claimed servicer 's are aiding the wrong party entirely to enter side dealings that compromise the integrity of our entire Court, and County Land Records.  At this very time, those attorney firms associated with the Deed Theft Rings are these SAME Linked parties. My other property was purely fictional Bank came and pretended a sale auction occurred -- NO Sale Date had occurred however these Attorney 's aiding wrong parties are now \" feeding themselves '' in new paths to aid the Deed Theft Rings. That right now over 100 Properties the ones I 've personally investigated this week alone all relate to time barred, no real underlying creditors and now instead of the Servicer claims those employee 's of both Servicer AND AUCTION Co and that of the pretender Sub of Trustee 's are allowing fake trustee 's deeds to wrong parties. Relentless in being brainwashed to think they have a \" client '' that is an Investor Beneficiary however knowing that this would be IMPOSSIBLE. That it is believed that no good faith, no duty of fair dealings whatsoever are possible when dealing with theft of this magnitude and pay outs that allow the largest attorney firms to make a ton of money related to false pretenses and think they can rule the entire system with fake documents. When XXXX was recently assigned as \" attorney ' associated to be the backbone of XXXX XXXX XXXX - assigned to this file - having already laid hands on my other properties to which has entirely fake persons making up fake assignments - in this situation, both XXXX and their role changing hats XXXX claim that they are all Exempt from ALL LAWS and any mistakes regardless of how BIG a mistake being made has only to land on Servicer 's back and that they can make any claims they want as playing role Trustee. However each time they are informed WRONG FIGURES - Failing and Omitted 7 years of payments, entirely made up forged affidavits, robo signers named as those in the NMS agreements, continue to slander my title with false documents by fake persons, fake claims and having no real underlying client. XXXX had stated that they will make sure to follow all laws under CA State as they are the Trustee and that is required however when pushed they claim \" Exemption '' from all laws. \n\nNow each CA Specific State law is not upheld. The NOD was filed defectively in the first place it is still and will forever be missing the \" XXXX '' as now it 's been nearly 5 years since that faulty NOD filed by XXXX 's inhouse council acting in all roles monopolized the system and had admitted that a mistake and misrepresenations were made at that time and thereafter. NOW a Posting of a Sale showing THAT MONEY IS OWED - no Debt is owed as this is Discharged after the 10 years in XXXX '. However this does not stop publishing of the same claimed debt. Now furthering was a Posting of a Notice of Sale by XXXX XXXX XXXX ACTING DECEPTIVELY - THIS INCLUDED MAILING TO WRONG ADDRESS. Skirting the proper notice. Then when informed of a dispute existing of figures, and of the debt - that informed XXXX of the varied lies encountered along with each lawyers firm hired that no longer exist 3 entire different firms found 2 of which were acting illegally and were closed - however never reversing the faulty NOD. Now underneath the chain of title is fake forged notes, and forged assignments by non related parties. The chain includes some back-dated assignments to unrelated parties not even the same as \" who '' is now claimed or \" who '' was claimed the time involved. Both XXXX and their Attorney firm named XXXX XXXX XXXX who \" XXXX '' continues to reference as \" their '' attorney firm however XXXX states NO they are ONLY XXXX XXXX XXXX XXXX Attorney Firm and that any mistakes are not their concern if made by Servicer. This tossing back and forth is deceptive. XXXX does interject and advertise that they are hired by the Banks and Servicer 's however now appears that this is a Front. That the servicer 's believe that they are handling legal aspects however NO ONE IS. The laws continue to be shaded and disregarded. \nA letter was sent to all parties in XXXX, and XXXX on \" figures '' and loan history requests ; again answered with \" Omitted 7 years '' ; Request was made to reverse the faulty NOD ; The letter of XX/XX/XXXX addressed no response from XXXX either as they stated they would confer and respond after the servicer response to make sure laws are followed then instead state ONLY DO AS INSTRUCTED by the Servicer - XXXX then apparently XXXX had instructed this firm to by pass the NOTICE Posting and fail to Properly Notice Homeowner, then has informed them to ignore all pre-foreclosure procedures including excessively moving sale dates more than 3 times and without regards to any \" answer '' to any concerns raised. No answers come. No Accounting to match their made up claims. No true rights exist by such illegal means. A continued pattern that has caused the Commercial Crimes Division to become involved on my files as the FRAUD IS ALL OVER THE Place. A few attorney firms refused this file. NOT XXXX as they throw it to XXXX XXXX XXXX and claim they are not acting as Attorney 's so this means they can break all laws in such a role. \n\nNow XXXX fails to answer AT ALL. ON XX/XX/XXXX a request was made for the full accounting and reinstatement figures under additional laws ; however XXXX and XXXX who share offices at times and other times separate themselves from any accountability by deflecting any means to by pass accountability to uphold laws. Now on XX/XX/XXXX attempts were made to XXXX for the pay off figures and instead of providing these figures, stated NO Such Department was operating as they were in the middle of a Move of \" that '' Department and at this time had no phones no internet and no access. That Department of payoffs and figures to cure the loan before a foreclosure was NOT AVAILABLE. Would not be available as they were at that time walking down the street hand carrying boxes. That this is the typically response it is always some \" other '' person or department and each call results in a claim someone will call back and not once has a call been returned. This has been a sham. That NO good faith is found. That at all times I could pay and afford my payments I was denied my rights, and I was lied to by \" each '' entity hired by this so called Servicer working on behalf of an \" unknown '' and impossible to know Beneficiary - however XXXX continues to instruct Nationwide Posting to Publish that a Beneficiary is somehow directing all actions including that of Nationwide Posting by a 3rd party named as SOT Sub of Trustee who is self assigning their role without any real client. I am asking that a chance be given to allow fairness rather than steal my house of 12 years that I made EVERY GOOD EFFORT and Paid and my money was stolen right from me and now being aided by this Threat of Foreclosure from faulty schemes and failing to follow the laws. Not one entity has reviewed the CA laws including CC 2924g, 2924.17. or 18, and or any of the entire Civil Codes pertaining to heightened requirements of the XX/XX/XXXX ' enacted laws that were ignored at that time. Now running on a false and defective means to steal property without having a proper right, nor following any procedures set forth under the applicable laws. Not from the simple laws to the more complex security laws under the DOT noted under item 1 & 16 which claim all laws are to by upheld.","date_sent_to_company":"2017-10-11T16:47:03.000Z","issue":"False statements or representation","sub_product":"Mortgage debt","zip_code":"90740","tags":"Servicemember","has_narrative":true,"complaint_id":"2699374","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Quality Loan Service Corporation","date_received":"2017-10-11T15:11:17.000Z","state":"CA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["The NOD was filed defectively in the first place it is <em>still</em> and will forever be missing the \" XXXX '' as now it 's been nearly 5 years since that faulty NOD filed by XXXX 's inhouse council acting in all roles monopolized the system and had admitted that a mistake and misrepresenations were made at that time and thereafter. NOW a Posting of a Sale <em>showing</em> THAT MONEY IS OWED - no <em>Debt</em> is owed as this is Discharged after the 10 years in XXXX '."],"product":["<em>Debt</em> collection"],"sub_product":["Mortgage <em>debt</em>"]},"sort":[8.421963,"2699374"]},{"_index":"complaint-public-v1","_id":"16983019","_score":6.8454294,"_source":{"product":"Mortgage","complaint_what_happened":"b\"Summary\\n\\nShellpoint / XXXX  have created a pattern of payment re-aging, unapplied funds, and fabricated fees on my post-discharge mortgage account.  Agents repeatedly invoked bankruptcy disclaimersThis is not an attempt to collect a debt due to your discharged bankruptcywhile simultaneously quoting balances and demanding payment.  One agent stated, Thats why I think Im a little confused, admitting they could not reconcile my payments inside their own system.  These actions violate RESPA (Reg X), TILA (Reg Z), FDCPA, and 11 U.S.C.  524(i).XXXX XXXX XXXX XXXX payment held unappliedXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.  Only XXXX XXXX was credited; the remainder was re-aged to XXXX which was already paid.XXXX XXXX XXXX XXXX XXXX XXXX XXXX online after the portal falsely showed a balance due.  That payment disappearedXXXX XXXX XXXX XXXX XXXX XXXX to close out XXXX  Agent confirmed the loan was current.XXXX XXXX XXXX  Portal briefly displayed the XXXX XXXX  payment, then shifted to show XXXX XXXX due for XXXX  Later a representative told me, I think that went to XXXX, which is impossible.  This is deliberate payment re-aging.\\XXXX XXXX  Calls  Multiple representatives gave conflicting balances.  One said, Thats why I think Im a little confused, proving the account cannot be reconciled from their screens.  They then assessed XXXX XXXX8 in late fees and a XXXXXXXX  property-inspection fee.  When I asked for the inspection date or proof, none existed; the agent simply placed me on hold.\\nStatute\\nCitation\\nConduct\\nRESPA (Reg X)\\n12 C.F.R.  1024.17(k)(1)\\nFailed to credit payments as received; re-aged XXXX XXXX  payment to XXXX XXXXXXXXnCharged unverified property-inspection fees\\n XXXXIgnored error-resolution duties after admitting confusion\\n XXXXFailed to maintain one accurate transactional history\\nTILA (Reg Z)\\n12 C.F.R.  1026.36(c)(1)\\nDid not promptly apply payments\\nFDCPA\\n15 U.S.C.  1692e(2)(A)\\nMisrepresented amount / legal status of debt\\nBankruptcy Code\\n11 U.S.C.  524(i)\\nAltered post-discharge payment application and demanded sums inconsistent with discharge\\n\\nConsumer Harm\\n\\t\\tFalse delinquency of roughly XXXX XXXX despite full, timely paymentsXXXX XXXX XXXX payment induced by inaccurate portal display.\\n\\t\\tUnearned XXXX XXXX XXXXate fees and XXXX  property-inspection fee.\\n\\t\\tContinuous calls using bankruptcy disclaimers while still quoting balancesconfusing and unlawful post-discharge collection.\\n\\t\\tEmotional distress and risk of wrongful foreclosure.\\n\\n\\n\\nRequested Relief\\n\\t1.\\tFull reconciliation of all payments from XXXX XXXX forward.\\n\\t2.\\tWritten confirmation of correct principal balance and application of each payment.\\n\\t3.\\tRefund of duplicate payments, late fees, and the XXXX inspection fee with interest.\\n\\t4.\\tRemoval of any negative credit reporting.\\n\\t5.\\tDisclosure of internal ledger and proof of any claimed property inspection.\\n\\t6.\\tCertification of corrective action to prevent future payment re-aging.\\n\\n\\n\\nSupporting Evidence (to attach)\\n\\t\\tRecordings and transcripts XXXX XXXX XXXX XXXX XXXX calls).\\n\\t\\tPortal screenshots showing XXXX XXXX XXXX XXXX XXXX XXXX due.\\n\\t\\tBank confirmations for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\\t\\tAny correspondence referencing payment application task completed.\\n\\n\\n\\nComplainant Statement\\n\\nShellpoint / XXXX  repeatedly misapplied verified payments, told me my funds went to XXXX, added property-inspection fees that never occurred, and invoked bankruptcy language while still demanding money.  One agent openly admitted, Thats why I think Im a little confused.  These actions violate RESPA, TILA, FDCPA, and 11 U.S.C.  524(i).  I request full CFPB and state enforcement review, restitution of all misapplied funds, and sanctions for systemic payment re-aging and fee fabrication.XXXX XXXX XXXX XXXXXXXXI'm sorry, we are unable to make an account match using the last four digits of the Social Security number you entered please try again please enter the last four digits of your Social Security number followed by the pound key We see the number you are calling from today is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Is this a good number to call using our automatic telephone dialing system for future calls to allow us to use this phone number press one if you would like to opt out press two. Thank you we will update this phone number on your loan. If you are a homeowner in an active or discharged bankruptcy, you may have received a periodic billing statement from us. Recently borrowers in an active or discharged bankruptcy previously did not receive statements unless requested the XXXX XXXX mortgage servicing rule requires mortgage services to send modified periodic statements to consumers who have filed for bankruptcy. These rules went into effect on XXXX XXXX XXXX XXXX  If you do not wish to receive periodic billing statements, you may request in writing that we see sending periodic statements. Our records indicate that you requested a payment application task on your loan. The task has been completed. No further action is needed from you at this time you can review the results by going to shell point mtg XXXX  and reviewing the change on your transaction history, please choose one of the following options to self service your loan to pay by phone using our your call is being transferred please hold thank you for calling Shell point mortgage servicing. Please be advised we are a debt collector. This is not an attempt to collect a debt due to your bankruptcy for training and quality purposes. Your call may be monitored or recorded your estimated wait time is less than two minutes. All of our agents are assisting other customers if you would like to hold your place in queue and have the system call you back press one otherwise please hold for the next available agent call may be returned between XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for calling XXXX. My name is so nice of XXXX and what a recorded line. Who do you have a pleasure speaking with today? \\n\\nYou\\nHi, my name is XXXX XXXX \\n\\nParticipant\\nThank you, XXXX be for verification purposes. Can you please verify the mailing address along with the last four of the Social Security number and account? XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXXnParticipant\\nThank you and I see the loan you are calling about your XXXX XXXX XXXX We thank you and your family for your sacrifices and service of our country and our honor to help us our customers and also I'll just get to inform you by breaking is a bad collector. This is not an attempt to collect a debt due to your district bankruptcy and XXXX XXXX Do we have your permission to contact you within the next seven days via call or text using \\n\\nYou\\nYes \\n\\nParticipant\\nour dial if it is needed is it your cell phone number ending in XXXX XXXXYou\\nYes \\n\\nParticipant\\nAnd do you want also to set this up the primary contact of yours? \\n\\nYou\\nYeah \\n\\nParticipant\\nOf a perfect and also XXXX XXXXI'll just need to inform you that your account is currently for a total of XXXX including the total liter see if XXXX and the other fee of XXXX and also if you have some free time, give me visit the web online to check the status of your account and you can set up there for ACH for the payment biweekly and send one please and how many help you for today? \\n\\nYou\\nOK, what is what is the XXXX for? \\n\\nParticipant\\nThat is for the other fees \\n\\nYou\\nWhat fees? \\n\\nParticipant\\nFor the property inspection if you are on 30 days \\n\\nYou\\nWhen was our property inspection? \\n\\nParticipant\\ndelinquent on your yes That property \\n\\nYou\\nWhen was the property inspection done? \\n\\nParticipant\\ninspection if you are on 30 days OK offer for this one let me go ahead and double check. OK go for the \\n\\nYou\\nOK, I'm going \\n\\nParticipant\\nproperty inspection. Let me go ahead and check. When did this property inspection was fine OK and then I'll be back off so would you mind if I put this on hold for about one to two minutes thank you kind to stay on the line. \\n\\nYou\\nOK, go ahead. Go ahead. XXXX XXXX XXXX XXXXSing your loan press one to talk to a loan officer about refinancing your please select one of the following options to be connected to your loan servicer for new rest press two for XXXX  thank you for calling Shell point mortgage servicing, but I couldn't be XXXX XXXX Please enter the last four digits of your Social Security number, followed by the pound key We see the number you are calling from today is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Is this a good number to call using our automatic telephone dialing system for future calls to allow us to use this phone number press one if you would like to opt out press two, thank you, we will update this phone number on your loan. If you are a homeowner in an active or discharged bankruptcy, you may have received a periodic billing statement from us recently borrowers in an active or discharged bankruptcy previously did not receive statements unless requested the XXXX XXXX mortgage servicing rule requires mortgage services to send modified periodic statements to consumers who have filed for bankruptcy. These rules went to effect on XXXX XXXX XXXX XXXX If you do not wish to receive periodic billing statements, you may request in writing that we see sending periodic statements. Our records indicate that you requested a payment application task on your loan. The task has been completed. No further action is needed from you at this time you can review the results by going to shell point mtg XXXX and reviewing the change on your transaction history, please choose one of the following options to self service your loan to pay by phone using our free automated phone system press one for Shell point mortgage servicing contact information press two. For general loan information press, three for escrow your call is being transferred. Please hold thank you for calling Shell point mortgage servicing. Please be advised. We are a debt collector. This is not an attempt to collect a debt due to your bankruptcy for training and quality purposes your call may be monitored or recorded your estimated wait. Thank you for contacting XXXX mortgage servicing. My name is XXXX XXXX on a recorded line with whom do I have a pleasure of speaking? \\n\\nYou\\nYes, my name is XXXX XXXX XXXXParticipant\\nXXXX XXXX, how are you today? \\n\\nYou\\nHow are you doing? \\n\\nParticipant\\nI'm doing well, sir thank you so much for asking the pain before we speak in detail as to why you're calling. Could I please have you provide your mailing address and the last four of your social please? \\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXParticipant\\nAll right, I want to thank you XXXX XXXX XXXX for verifying that information, sir before we speak in detail please allow me a moment to offer you to say thank you to you and your family for your sacrifice and service of our country. We are honored to have you as a \\n\\nYou\\nThanks \\n\\nParticipant\\ncustomer. I also have informed you, sir, that we will get servicing is a debt collector. This is not an attempt to collect a debt due to the status of your bankruptcy discharge XXXX XXXX if we have to contact you in the next seven days with your updated information, do we have your permission to call? And this permission include automated text messages and automated calls as well \\n\\nYou\\nSure Right \\n\\nParticipant\\nOK, so I do see where your account is eligible to schedule out up to three post payments and all the account also shows that you last called in last week XXXX XXXX XXXX XXXXWhat are you talking about schedule out? \\n\\nParticipant\\nJust like you would write a post check you can write on that check a date just like you would write a \\n\\nYou\\nWhat do you mean oh no no no no no no no \\n\\nParticipant\\npostage \\n\\nYou\\nno no I'm about. I'm supposed to get a check for around three XXXX XXXX XXXX XXXX XXXX she said to be like 7 to 10 days. I'm supposed to have a payment for XXXXXXXX XXXX XXXX XXXXpplied and that was made on XXXX XXXX so I'm just checking the status that. \\n\\nParticipant\\nOK, so what I am seeing on the account at this time looks like the most recent payment we received was on the XXXX XXXX  and that brought your \\n\\nYou\\nFor how much? \\n\\nParticipant\\npayment up Seeing That was XXXX XXXX XXXX \\n\\nYou\\nAnd that paid off XXXX correct? \\n\\nParticipant\\nThat oh yes, sir, that was enough to cover the month of XXXX  that is correct and now the account has been up \\n\\nYou\\nOK, so there was another payment on there. There's another payment that came in on the XXXX XXXX where is that one? \\n\\nParticipant\\nI don't see that payment has been received posted to the account as of yet and I do see on the XXXX you made a payment over the Internet \\n\\nYou\\nRight right for a whole month XXXX towards that payment \\n\\nParticipant\\nThat payment was applied to the month of XXXX XXXXNo, we already paid XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnParticipant\\nIt shows on the XXXX that you made a payment for XXXX and that was the full amount due which was applied to the amount \\n\\nYou\\nYou're saying we made a pic so let me \\n\\nParticipant\\nYeah, that took \\n\\nYou\\nunderstand something there's XXXX who is sitting in XXXX unapplied we made a payment for XXXX XXXX XXXX XXXX  OK so now that if we take XXXX XXXX of that and put it in of XXXX  that pays off XXXX  so then what are you doing with taxes you put that in XXXX right so then I call in XXXX and I gave her the XXXX  because she says that's how much I owe and if she stated on the XXXX  we're paid off however, now you have an extra payment where is that payment at? \\n\\nParticipant\\nSorry, I don't show that the payment on the XXXX  Let me see says on the XXXX XXXX XXXX XXXX XXXX you added a payment of XXXX XXXX XXXX XXXX XXXX and that was the amount that was posted To XXXX So you paid for XXXX XXXX XXXX XXXX then on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX how much money do we pay total? \\n\\nParticipanXXXX XXXX XXXX XXXX XXXX XXXX XXXX  you're referring to that was on XXXX XXXX XXXXYou\\nThat's right that sitting in XXXX right and then there's a problem here because you see the payment on XXXX XXXX XXXX XXXX all right so that payment was made on XXXX XXXX actually on our payment history it's on our bank account those payments you drafted out but the prom now is you're only telling me XXXX XXXX  but in fact we paid off XXXX we paid off XXXX and then you got an extra payment so I need to know where that payment is \\n\\nParticipant\\nThat's what we're a little bit confused when we receive a payment on XXXX XXXX you have credit on the account of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX yesterday we spoke to somebody yesterday XXXX  we had XXXX on paid balance towards our account. We were told that that would be distributed for XXXX XXXX and you guys are going to dismiss a check back and for XXXX XXXX XXXX XXXX XXXX apparently you guys have been with holding unapplied balances which is against spot. And sending out foreclosure notices basically say you gotta pay by the XXXX  that you're three months behind but see the prime is you can't be behind if you're holding money so we just need our money we need you guys to put it on XXXX XXXX XXXX XXXX, and since our check like you agreed to \\n\\nParticipant\\nI'm not sure there's been a price on XXXX XXXX Looks like I'll \\n\\nYou\\nYeah, you guys yeah apparently \\n\\nParticipant\\ncontact and apply. \\n\\nYou\\nSorry \\n\\nParticipant\\nLooks like all parents have an applied \\n\\nYou\\nNo, they haven't. We have XXXX  an unplayed unapplied money. Going back three years see what you're doing as you keep putting us into arrears OK so that we are never ahead but the problem is we're already ahead This is taken care of Sunday a letter was sent to you guys XXXX XXXX we called that was taken care of. She stated got recording everything so I mean gotta have it done. She stated yes I see us XXXX here we're going to, but how do you want me to do this? I said pay XXXX XXXX and then send a check for XXXX XXXX So it was already made \\n\\nParticipant\\nOK, so if you sent a letter but it's being reviewed by our payment processing department but at this time I don't see an unpaid burn on applied balance of XXXX I'm not showing anything and \\n\\nYou\\nWell, they told me but yeah yeah I spoke to you guys yesterday \\n\\nParticipant\\nunapplied \\XXXX you told me you have XXXX unapplied and then you you told me you were gonna pay for XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \\n\\nParticipant\\nThat's not what I'm saying I am not saying there was an unapplied balance of XXXX yesterday. I'm sitting there wasn't an \\n\\nYou\\nBut there is there is a unified balance, but there is an \\n\\nParticipant\\nunapplied. \\n\\nYou\\nunified balance. No, it's it's more than no you have to go back three XXXX XXXX XXXX that was applied to your XXXX payment \\n\\nYou\\nyears. No you have to go back three years. OK what you're doing is taking the unapplied payments and putting them in another account you're moving them Do you understand you guys I've been sued for this stuff you guys have already been sued for this several \\n\\nParticipant\\nWhere would we move into? \\n\\nYou\\ntimes OK under arrest, but you can't do what you're doing \\n\\nParticipant\\nWell, sure if we don't have a full deal and we can't apply to have to sit on a bike at this point \\n\\nYou\\nWell, why don't you audit it so audit my account so audit my account \\n\\nParticipant\\nAs I advised as I advised already, sir, payment processing is reviewing your account because you sent an email but at this time I do not see that there's XXXX XXXX XXXX XXXX XXXXThen how come yesterday there \\n\\nParticipant\\nwas a high balance of three. I'm not sure I'm not that person, sir but looking at your account yesterday, there was not a balance of \\n\\nYou\\nwas \\n\\nParticipant\\nXXXX  when you're on a bike. \\n\\nYou\\nThere was yesterday I mean, I got recorded talking dispute that \\n\\nParticipant\\nOK sir so if you'd like, you can definitely go ahead and check on our website which will show that there was an \\n\\nYou\\nYeah, your website so that's the \\n\\nParticipant\\nunapplied. I'm sorry I \\n\\nYou\\nproblem. Yeah, it doesn't work. \\n\\nParticipant\\ninterrupted you. Go ahead. \\n\\nYou\\nYeah, the problem with you guys is you say one thing somebody else says something else your website says something else but none of us the truth. You're all contradicting each other. The website does not equal what you're saying you see the problem we're having. \\n\\nParticipant\\nNo sir, because the website shipping matching my payment history and my payment history does not show an \\n\\nYou\\nIt's not matching your payment history \\n\\nParticipant\\nunapplied for XXXX XXXXYou\\nWait, let me ask you this I called on the \\n\\nParticipant\\nyesterday XXXX. I spoke to one of your idiots. I said listen there's two XXXX. Excuse me there is \\n\\nParticipant\\nOK sir, I will not tolerate you being \\n\\nYou\\nXXXX sitting in \\n\\nParticipant\\ndisrespectful. I understand you are XXXX. No I'm not \\n\\nParticipant\\nfrustrated \\n\\nYou\\nfrustrated to listen to me. I'm your \\n\\nParticipant\\nOK \\n\\nYou\\ncustomer there was XXXX and unapplied payments in XXXX  OK we were told that we only owed XXXX XXXX  all right so then we call on the XXXX and then we speak to one of your individual individuals. He says yeah well what happened was you have XXXX on the site in XXXX? OK then he says my wife made a payment foXXXX XXXX XXXX XXXX then he says it that money went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX but then all of a sudden he came back and said you need a calculator and I'm like I don't need a calculator because what happens is you take XXXX XXXX XXXX that complete XXXX and then you've got another XXXX left over whatever whatever it is and XXXX XXXX  So and then he tells us that oh well, you still owe XXXX XXXX XXXX XXXX so you see your math just does not add up. You guys tell one story and then you change it again. You see the problem \\n\\nParticipant\\nAnd we take that out for your XXXX XXXX XXXX XXXX So \\n\\nYou\\nI'm sorry so wait wait I'm sorry on \\n\\nParticipant\\nthen \\n\\nYou\\nXXXX XXXX XXXX XXXX XXXX XXXX  was made right \\n\\nParticipantXXXX XXXX yes and I went and applied which was the XXXX XXXX XXXX XXXXou\\nWhere is it? Where is that money at? \\n\\nParticipant\\nadvised it was the XXXX XXXXou\\nBut it was just unapplied, right \\n\\nParticipant\\nWhen trying to apply \\n\\nYou\\nRight OK so it was unapplied for XXXX My wife made a payment for XXXX XXXX XXXX XXXX XXXX  correct \\n\\nParticipant\\nYes, there was a payment for XXXX XXXX XXXX XXXX XXXXou\\nOK right Then XXXX XXXX went to XXXX right? \\n\\nParticipant\\nNo sir, 3 XXXX XXXX XXXX XXXX SXXXX \\n\\nYou\\nWhere's my XXXX  at? \\n\\nParticipant\\nThat was in the payment because you had made the payment of \\n\\nYou\\nNo wasn't you just told me you just told me that I had \\n\\nParticipanXXXX XXXX there that was \\n\\nParticipant\\nOK sir \\n\\nYou\\nunapplied but yet you just told me and my wife made a payment for XXXX XXXX  which went to 3XXXX XXXX XXXX XXXX so where's my XXXX  payment? The balance it wasn't applied \\n\\nParticipant\\XXXX XXXX XXXX XXXX XXXX XXXX  \\n\\nYou\\nRight \\n\\nParticipant\\n- XXXX because that's what your XXXX payment was was \\n\\nYou\\nHa ha, right \\n\\nParticipant\\nXXXX if you \\n\\nYou\\nHa ha, right \\n\\nParticipant\\XXXX XXXX XXXX\\nSo how much money? \\n\\nParticipant\\nSo then that left \\n\\nYou\\nRight in case no OK so how much money out of that XXXX with the \\n\\nParticipant\\nGo ahead \\n\\nYouXXXX  \\n\\nParticipant\\nI got XXXX  well we first had the XXXX in there so let's go ahead and go XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \\n\\nYou\\nOK, did that pay it off? \\n\\nParticipant\\nThat paid for XXXX XXXXn\\nYou\\nOK, what about XXXX  then because we still have money left over right? \\n\\nParticipant\\nYou had XXXXXXXX left over a payment was made \\n\\nYou\\nOK \\n\\nParticipant\\nyesterday foXXXX XXXX XXXX which \\n\\nYou\\nHa ha \\n\\nParticipant\\ncompleted your XXXX payment \\n\\nYou\\nNo \\n\\nParticipant\\nleaving XXXX and the unapplied \\n\\nYou\\nI'm sorry when was the payment before that one yesterday? \\n\\nParticipant\\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \\n\\nYou\\nNo, it wasn't. It was made on XXXX XXXX XXXX XXXX  You took it on my bank account \\n\\nParticipant\\nI'm showing a payment of seven XXXX XXXX XXXXYou\\nNo, you took out it's showing my bank account you took out XXXX XXXXor the month of XXXX See now we have a problem because your numbers don't match up so where is my XXXX you guys just took out my bank account then \\n\\nParticipant\\nI showed the XXXX XXXX and you advise that you already \\n\\nYou\\nNo \\n\\nParticipant\\nsent a complaint so it is being reviewed by our payment \\n\\nYou\\nBut I'm asking you about my accounting right but I'm asking you about a \\n\\nParticipant\\nprocessing \\n\\nYou\\npayment \\n\\nParticipant\\nAgainst her that has to be done by our payment processing department since they're reviewing it because you're \\n\\nYou\\nBut you just told me yoXXXX XXXX XXXXrticipant\\ninsisting there's XXXX XXXX  \\n\\nYou\\nYou're supposed to understand what's going on but yet you can't find my payment from Sunday You just told me it was paid \\n\\nParticipant\\nI can sure \\n\\nYou\\nXXXX paid for \\n\\nParticipant\\nshow that your XXXX XXXX is paid for \\n\\nYou\\nOK, but when was that payment made for \\n\\nParticipant\\nAnd there's nothing \\n\\nYou\\nXXXX but when was that payment made for \\n\\nParticipant\\nremaining in your pipe The remainder amount of \\n\\nYou\\XXXX? \\n\\nParticipant\\nseven XXXX XXXX as I had advised numerous times now was made on XXXX XXXX that \\n\\nYou\\nFor XXXX XXXX XXXX XXXX \\n\\nYou\\nYou're telling me XXXX XXXX XXXX XXXX XXXX XXXX right Is that correct? \\n\\nParticipant\\nYes \\n\\nYou\\nOK, so that was for what month \\n\\nParticipant\\nCompleted XXXX \\n\\nYou\\nOK, so then XXXX XXXX another payment was made foXXXX XXXX  Where is that money? \\n\\nParticipant\\nI am not saying that one at this time so I can reach out to XXXX  There's nothing in your \\n\\nYou\\nSays it's unapplied \\n\\nParticipant\\nunapplied, sir. There's nothing there. \\n\\nYou\\nSo I made it so you're telling me the payment was already made but then I made another payment That's unapplied you just told me that the payment that I made for XXXX XXXXompleted the XXXX repayment correct? \\n\\nParticipant\\nCorrect that was made on \\n\\nYou\\nRight, but there was another payment made for \\n\\nParticipant\\nXXXX XXXX XXXX XXXX XXXXr that now \\n\\nParticipant\\nOK again I'm \\n\\nYou\\nBut we're missing \\n\\nParticipant\\nI'm not seeing that payment, sir. You're saying it came out of your checking account. OK that's great. \\n\\nYou\\nI'm seeing it right here in front of me. I'm looking at the payment history right here. I'm looking at the payment. I see it right here \\n\\nParticipant\\nNow you're saying \\n\\nYou\\nunapplied since XXXX XXXX XXXXParticipant\\nYeah, you're seeing the XXXX \\n\\nParticipant\\nunapplied balance go from the unapplied with that XXXX XXXX XXXX XXXX XXXX XXXXYou\\nHa ha \\n\\nParticipant\\ncombined and it went towards your XXXXXXXX XXXX XXXXYou\\nSo what about the XXXX XXXX where that go? \\n\\nParticipant\\nThat is what was coming out of the unapplied \\n\\nYou\\nIt wasn't that was the money that it was a payment I made I made a payment for \\n\\nParticipant\\nOK sir, \\n\\nYou\\nXXXX XXXXParticipant\\nagain I am not seeing that and seeing the seven XXXX XXXX  goes with the \\n\\nYou\\nOK, so I just wanna ask you one more question here \\n\\nParticipant\\nunapplied to create XXXX XXXX XXXX and the apply XXXX XXXXu\\nOK, so XXXX was paid off right then you told me that some of that money was left over something that money was left over for \\n\\nParticipant\\nXXXX has been XXXX then you said to complete XXXX  I had to pay XXXX right \\n\\nParticipant\\nI said that you did pay XXXX  yes \\n\\nYou\\nTo complete XXXXr correct to complete XXXX  right again a payment was made for XXXX for the complete month of XXXX so that's an extra payment there \\n\\nParticipant\\nAgain, I'm not seeing that here, sir so I can definitely reach out to my payment \\n\\nYou\\nSo how come my numbers look different than \\n\\nParticipant\\nprocessing department, but I'm not seen that \\n\\nYou\\nyours? \\n\\nParticipant\\nI am not sure sure I can't see what you're looking at. I can see what I'm looking at which is your payment. \\n\\nYou\\nI'm looking it says payment history it is I'm looking at payment history. It says XXXX XXXX XXXX a payment for XXXX was applied or it says applied payment now and you took it out of my bank account and it's just unapplied it's just like sitting see that's the prom you don't you don't even know where this payment is. You guys weren't even know where the XXXX is now. Now you understand what's going on you guys aren't applying money properly Do you have a \\n\\nParticipant\\nI got her. I'm just \\n\\nYou\\nsupervisor do you have anybody? I can talk to that knows what they're doing \\n\\nParticipant\\nshowing that what I'm very well aware of what I'm doing, sir \\n\\nYou\\nOK, where did the payment XXXX XXXX XXXX  go it's on my payment history. I'm looking at it right now. Where is it? \\n\\nParticipant\\nYes, it went from your unapplied to your regular monthly payment for \\n\\nYou\\nIt could've \\n\\nParticipant\\nXXXX \\n\\nYou\\ngone from my monthly payment. You just told me a payment was made. There was a payment in XXXX XXXX XXXX XXXX sitting in XXXX unapplied correct my wife made a payment for my wife made a \\n\\nParticipant\\nCorrect \\n\\nYou\\npayment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that went to whatever it was went to XXXX to pay it off right Correct \\n\\nParticipant\\XXXX XXXX  was from the \\n\\nYou\\nbut \\n\\nParticipant\\noriginal on balance and XXXX XXXXYou\\nOK \\n\\nParticipant\\XXXX XXXX XXXX XXXX you made went to your XXXX payment \\n\\nYou\\nOK, and then how much was left over \\n\\nParticipant\\nThat left \\n\\nYou\\nHow much was left over they went to \\n\\nParticipant\\nXXXX XXXX XXXXParticipant\\nAre you going to allow me to answer, sir? \\n\\nYou\\nYes, go ahead \\n\\nParticipant\\nThank you XXXX XXXXYou\\nAnd that was from the XXXX XXXX payment correct? \\n\\nParticipant\\nThat was what was left over of the XXXX XXXX XXXXYou\\nOK and then and then a payment so then yesterday a payment was made for XXXX whatever is a complete XXXX XXXX? \\n\\nParticipant\\nCorrect and we XXXX XXXX XXXX XXXX XXXX XXXX  Shellpoint representatives admitted that a XXXX XXXX  payment existed in unapplied status, contradicted themselves about its destination, and then erased a previously confirmed XXXX XXXX  unapplied balance.\\nThe same call captured two separate employees describing entirely different account realities within minutes of each other.\\n\\nEvidence (verbatim excerpts):\\n\\nI do see there was a balance in the unapplied of XXXX XXXXOK yes, I dont see that  it was about XXXX XXXX  applied yesterday.\\nSupervisorXXXX XXXX XXXX theres another payment that was made  that put your unapplied balance at XXXX XXXX completing XXXX payment.\\n\\nEach statement conflicts with the others. The first recognizes an unapplied payment; the second claims the funds were applied yesterday; the third insists the same payment completed XXXX  a month already paid through prior remittances.\\n\\nInterpretation:\\nThis sequence demonstrates a systemic data-integrity failure rather than a single mis-keyed entry.\\nShellpoints staff are reading from live account screens that change while the customer is on the line  meaning the ledger is being rewritten in real time to reconcile internal errors or conceal unapplied balances.\\nSuch volatility violates:\\n\\t\\tRESPA  1024.38(b)(3)(i)  failure to maintain accurate and accessible records.\\n\\t\\tRESPA  1024.35(a)  servicer notice of error (were a little confused) triggers investigation duty.\\n\\t\\tTILA  1026.36(c)(1)  failure to credit payments as of date received.\\n\\t\\tBankruptcy Code  524(i)  post-discharge tampering with payment application.\\n\\nThe conflicting explanations  unapplied, applied yesterday, completed XXXX   confirm ledger re-aging and manual overrides.\\nNo servicer could produce three mutually exclusive account states unless data are being altered outside ordinary automated posting rules.\\n\\nRisk Impact:\\nThis behavior shows a system-level vulnerability where borrower payments can be suspended, moved backward to earlier months, or erased without audit transparency.\\nThe XXXX XXXX call provides a living snapshot of that process: funds appear in the system, vanish, then reappear labeled applied, enabling Shellpoint to (1) fabricate delinquency, (2) assess late fees and inspection charges, and (3) justify foreclosure notices while still holding consumer money.\\nSuch conduct jeopardizes compliance with federal servicing standards and exposes investors and borrowers to material misrepresentation of cash-flow integrity.\\n\\n\\n\\nSystemic Alignment\\n\\nThe same mis-allocation pattern appears across every month since XXXX XXXX\\t\\tpayments first recorded as unapplied,\\n\\t\\tlater re-aged to prior months,\\n\\t\\tfollowed by fee creation and conflicting balances.\\n\\nThis repetition confirms a servicing algorithm or manual policy, not human error.\\nShellpoints own agents admitted confusion (thats why I think Im a little confused) because their interface dis\"","date_sent_to_company":"2025-11-03T23:01:28.000Z","issue":"Trouble during payment process","sub_product":"VA mortgage","zip_code":"37066","tags":"Servicemember","has_narrative":true,"complaint_id":"16983019","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Shellpoint Partners, LLC","date_received":"2025-11-03T22:35:45.000Z","state":"TN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Payment process"},"highlight":{"complaint_what_happened":["Please be advised we are a <em>debt</em> collector. This is not an attempt to collect a <em>debt</em> due to your <em>bankruptcy</em> for training and quality purposes. Your call may be monitored or recorded your estimated wait time is less than two minutes."]},"sort":[6.8454294,"16983019"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":9,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":9}]}},"product":{"doc_count":9,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":4,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":4}]}},{"key":"Debt collection","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Mortgage debt","doc_count":2}]}},{"key":"Mortgage","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"FHA mortgage","doc_count":1},{"key":"VA mortgage","doc_count":1}]}},{"key":"Checking or savings account","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":1}]}}]}},"issue":{"doc_count":9,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Incorrect information on your report","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Public record information inaccurate","doc_count":3},{"key":"Account information incorrect","doc_count":1}]}},{"key":"False statements or representation","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Attempted to collect wrong amount","doc_count":2}]}},{"key":"Trouble during payment process","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Lien release","doc_count":1},{"key":"Payment process","doc_count":1}]}},{"key":"Opening an account","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Unable to open an account","doc_count":1}]}}]}},"timely":{"doc_count":9,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":9}]}},"company_response":{"doc_count":9,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":8},{"key":"Closed with non-monetary relief","doc_count":1}]}},"submitted_via":{"doc_count":9,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":9}]}},"company":{"doc_count":9,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"EQUIFAX, INC.","doc_count":1},{"key":"Experian Information Solutions Inc.","doc_count":1},{"key":"FIRST NATIONAL BANK OF OMAHA","doc_count":1},{"key":"Mr. Cooper Group Inc.","doc_count":1},{"key":"Quality Loan Service Corporation","doc_count":1},{"key":"SELECT PORTFOLIO SERVICING, INC.","doc_count":1},{"key":"Shellpoint Partners, LLC","doc_count":1},{"key":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","doc_count":1},{"key":"U.S. BANCORP","doc_count":1}]}},"state":{"doc_count":9,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"CA","doc_count":3},{"key":"MO","doc_count":3},{"key":"MI","doc_count":1},{"key":"NE","doc_count":1},{"key":"TN","doc_count":1}]}},"company_public_response":{"doc_count":9,"company_public_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","doc_count":5},{"key":"Company believes it acted appropriately as authorized by contract or law","doc_count":2}]}},"tags":{"doc_count":9,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Servicemember","doc_count":6}]}}},"_meta":{"license":"CC0","last_updated":"2026-07-15T12:00:00-05:00","last_indexed":"2026-07-15T12:00:00-05:00","total_record_count":16469162,"is_data_stale":false,"has_data_issue":false,"break_points":{}}}