{"took":87,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":147,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"10997257","_score":19.192776,"_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":["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 <em>protection</em> of the <em>bankruptcy</em> <em>court</em>. So I said well that does not sound correct to me because filing <em>bankruptcy</em> is to allow us consumers to <em>have</em> a second chance to be able to start over with the new account and a fresh start."]},"sort":[19.192776,"10997257"]},{"_index":"complaint-public-v1","_id":"9713286","_score":19.151772,"_source":{"product":"Mortgage","complaint_what_happened":"The violator is The Bank of New York Mellon indenture trustee for XXXX XXXX XXXX. Their have been multi consumer violations over the last 8 years That only now have we been made aware of! Their is a RESPA Reg X violation that occurred on XXXX We have the affidavit from the process server. I filed bankruptcy back in XX/XX/XXXX and the same company violated the automatic stay that was in effect during my bankruptcy XXXX thru XXXX Said company went to the XXXX XXXX South Carolina Register of Deeds on XX/XX/XXXX with out permission from me, my estate, the court, and filed assignment papers disseizing real property violating my equal protection rights and i believe to be contempt of court. They have named me a defendant in a third attempt at foreclosure to a debt that has been discharged by the court 8 years ago calling it a new debt that happened after the bankruptcy, THATS NOT TRUE! What they did was have a hearing back in XX/XX/XXXX, i received a notice and went to the court to attend, i check in with the court baliff was instructed to wait in a specific room till called, waited 45 min only to have the opposing attorney come in to the room and ask ARE YOU THE LAMBS? I said yes and was told by the opposing attorney that we are all set, we do not need you any more! Well at the time i did not know the person i was speaking with was the opposing attorney, i following the baliffs instructions and thought court personal which i assumed this person was would be calling us in for are hearing, Well i only found out in the last year that it was the opposing attorney and that the opposing attorney had a one sided hearing with the court while i was conveiniently de nide access to the hearing. What i have found is the opposing side who had foreclosed on me in XX/XX/XXXX in a court case the went full due process with a verdict from the court in the opposing sides favor went back to the court and had it vacated 14 months later. I want relief and restitution from the living hell and harrasment they have inflicted on me!! Their is also a cares act violation from XXXX XXXX! The statute say signeficant penalties for violations these companies AND THEIR CONSUL!!!!! NEED TO BE PUNISHED HARSHLY. I WANT RESTITUTION!!! Thank You Sincerly XXXX XXXX XX/XX/XXXX cell XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX","date_sent_to_company":"2024-08-12T16:08:16.000Z","issue":"Struggling to pay mortgage","sub_product":"FHA mortgage","zip_code":"295XX","tags":"Older American","has_narrative":true,"complaint_id":"9713286","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF NEW YORK MELLON CORPORATION, THE","date_received":"2024-08-05T17:49:51.000Z","state":"SC","company_public_response":null,"sub_issue":"An existing modification, forbearance plan, short sale, or other loss mitigation relief"},"highlight":{"complaint_what_happened":["I filed <em>bankruptcy</em> back in XX/XX/XXXX and the same company violated the automatic stay that was in effect during my <em>bankruptcy</em> XXXX thru XXXX Said company <em>went</em> to the XXXX XXXX South Carolina Register of Deeds on XX/XX/XXXX with out permission from me, my estate, the <em>court</em>, and filed assignment papers disseizing real property violating my equal <em>protection</em> rights and i believe to be contempt of <em>court</em>."]},"sort":[19.151772,"9713286"]},{"_index":"complaint-public-v1","_id":"3654703","_score":18.239256,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/2020 I went to my bank to apply for the Paycheck Protection Program offered by the government to pay my employees. On XX/XX/2020 I was denied because of negative remarks on my credit profile. After going over my credit report with my banker I found accounts that never belong to me. I never authorized these accounts to be opened in my name nor did I receive any type of money or benefits from them. There is also a bankruptcy under public records that does not belong to me. I have never filed bankruptcy and have never been in a position where I needed to file bankruptcy. I tried calling the bankruptcy courts to resolve this matter but have not received any response. On top of all these accounts someone has been running my credit as there are multiple auto loan and credit card inquiries. I did not authorize any of these inquiries. Please help me resolve this issue.","date_sent_to_company":"2020-05-16T05:40:59.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"94506","tags":null,"has_narrative":true,"complaint_id":"3654703","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2020-05-16T01:40:55.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I <em>have</em> never filed <em>bankruptcy</em> and <em>have</em> never been in a position where I needed to file <em>bankruptcy</em>. I tried calling the <em>bankruptcy</em> <em>courts</em> to resolve this matter but <em>have</em> not received any response. On top of all these accounts someone has been running my credit as there are multiple auto loan and credit card inquiries. I did not authorize any of these inquiries. Please help me resolve this issue."]},"sort":[18.239256,"3654703"]},{"_index":"complaint-public-v1","_id":"3654697","_score":18.239256,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/2020 I went to my bank to apply for the Paycheck Protection Program offered by the government to pay my employees. On XX/XX/2020 I was denied because of negative remarks on my credit profile. After going over my credit report with my banker I found accounts that never belong to me. I never authorized these accounts to be opened in my name nor did I receive any type of money or benefits from them. There is also a bankruptcy under public records that does not belong to me. I have never filed bankruptcy and have never been in a position where I needed to file bankruptcy. I tried calling the bankruptcy courts to resolve this matter but have not received any response. On top of all these accounts someone has been running my credit as there are multiple auto loan and credit card inquiries. I did not authorize any of these inquiries. Please help me resolve this issue.","date_sent_to_company":"2020-05-16T05:40:59.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"94506","tags":null,"has_narrative":true,"complaint_id":"3654697","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2020-05-16T01:40:55.000Z","state":"CA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I <em>have</em> never filed <em>bankruptcy</em> and <em>have</em> never been in a position where I needed to file <em>bankruptcy</em>. I tried calling the <em>bankruptcy</em> <em>courts</em> to resolve this matter but <em>have</em> not received any response. On top of all these accounts someone has been running my credit as there are multiple auto loan and credit card inquiries. I did not authorize any of these inquiries. Please help me resolve this issue."]},"sort":[18.239256,"3654697"]},{"_index":"complaint-public-v1","_id":"3654696","_score":18.230938,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/2020 I went to my bank to apply for the Paycheck Protection Program offered by the government to pay my employees. On XX/XX/2020 I was denied because of negative remarks on my credit profile. After going over my credit report with my banker I found accounts that never belong to me. I never authorized these accounts to be opened in my name nor did I receive any type of money or benefits from them. There is also a bankruptcy under public records that does not belong to me. I have never filed bankruptcy and have never been in a position where I needed to file bankruptcy. I tried calling the bankruptcy courts to resolve this matter but have not received any response. On top of all these accounts someone has been running my credit as there are multiple auto loan and credit card inquiries. I did not authorize any of these inquiries. Please help me resolve this issue.","date_sent_to_company":"2020-05-16T05:40:48.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"94506","tags":null,"has_narrative":true,"complaint_id":"3654696","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2020-05-16T01:31:00.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I <em>have</em> never filed <em>bankruptcy</em> and <em>have</em> never been in a position where I needed to file <em>bankruptcy</em>. I tried calling the <em>bankruptcy</em> <em>courts</em> to resolve this matter but <em>have</em> not received any response. On top of all these accounts someone has been running my credit as there are multiple auto loan and credit card inquiries. I did not authorize any of these inquiries. Please help me resolve this issue."]},"sort":[18.230938,"3654696"]},{"_index":"complaint-public-v1","_id":"6110785","_score":18.05601,"_source":{"product":"Debt collection","complaint_what_happened":"I have filed complaints with Civil Rights XXXX, XXXX Federal bankruptcy to reopen for violating bankruptcy and retaliation against during co-vid19 that left me homeless. I have reported the actions to federal trade and other government agencies. \nI only had indirect loans with KeyBank National Association through XXXX XXXX XXXX 's first-time Homeward program market to XXXX XXXX XXXX  with kids. KeyBank mispresented the mortgage relationship to be direct and has illegally used my mortgage information against me and my bankruptcy discharge court order by pretexting the mortgage as a direct loan in connection with mortgage services XXXX Mortgage XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. These companies worked together and collected funds unlawfully with the intent to harm and cause finical injury that left me homeless in XX/XX/XXXX, after KeyBank went against the XX/XX/XXXX bankruptcy pretrial and forged my name on a note in XXXX in the court appeal. KeyBank knew that the mortgage notes XXXX, XXXX had a statute of limitation and that mortgage documents provided to the court of appeal were inconsistent with the original TIL signed in XXXX. In XXXX bankruptcy noted that the mortgage would be considered void under bankruptcy discharge court orders in XXXX and XXXX. In XX/XX/XXXX, I requested federal bankruptcy to reopen the case for violating the bankruptcy code. \nXXXX Therefore, I interpret the letter ( incident report ) ; I received from KeyBank about credit as a threat and retaliation against me because I filed to reopen my XXXX XXXX Bankruptcy case. This case relates to the unlawful XXXX of my property that KeyBank never owned because ; then my debt was XXXX and paid off. Taken unlawfully during the midst of the federal moratorium Covid-19 pandemic, my house that KeyBank claimed was transferred during the bankruptcy proceeding as being serviced by XXXX XXXX XXXX and further claimed that they brought a loan from a pool. The mortgage debt that KeyBank took misrepresented and untrue delinquent loans because the original document that I signed at the XXXX XXXX XXXX XXXX program during the XXXX closing declared the loan had no assumption. The mortgage procedure of foreclosure was a form of retaliation against my bankruptcy discrimination after I made reports through consumer protection XXXX. Therefore, KeyBank appears to engage in a nationwide scheme that takes advantage of low-and-moderate income consumers like me through the XXXXXXXX XXXX \nFalse Promises and Misrepresentations Related to the Extension of Loan and Insurance Products to Ohio Consumers ( False Promises, Misrepresentations ) of the save the Dream program. Failure to Make Required Disclosures Prior to Consummation of the Loan after receiving funding through the federal crisis program retaliated against me for filing XXXX XXXX bankruptcy basis of Discrimination and retaliation. Lender unlawfully and unreasonably went against the Consumer Protection Act : Unfair and Deceptive Acts and Practices Related to the Extension of Loans modification program that had clear debt and Insurance, Including Charging for Add-Ons Without Consumers Consent through the MER system, Concealing Commissions, and Loan Flipping through Mortgage service during a time of the state of emergence and federal moratorium.","date_sent_to_company":"2022-10-20T18:16:59.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Mortgage debt","zip_code":"441XX","tags":null,"has_narrative":true,"complaint_id":"6110785","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"KEYCORP","date_received":"2022-10-20T17:53:09.000Z","state":"OH","company_public_response":null,"sub_issue":"Seized or attempted to seize your property"},"highlight":{"complaint_what_happened":["I <em>have</em> filed complaints with Civil Rights XXXX, XXXX Federal <em>bankruptcy</em> to reopen for violating <em>bankruptcy</em> and retaliation against during co-vid19 that left me homeless. I <em>have</em> reported the actions to federal trade and other government agencies. \nI only had indirect loans with KeyBank National Association through XXXX XXXX XXXX 's first-time Homeward program market to XXXX XXXX XXXX  with kids."]},"sort":[18.05601,"6110785"]},{"_index":"complaint-public-v1","_id":"4200859","_score":17.378357,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have submitted all the document to TransUnion that they requested, and I have also included them as attachments HERE MULTIPLE times regarding my bankruptcy case, showing that XXXX was listed in the bankruptcy, notified, and DISCHARGED. THAT MEANS that XXXX  CAN NOT SELL A DEBT TO XXXX, so BOTH XXXX and XXXX need to come off my credit report immediately. \n\nTransUnion even went so far as to block me from being able to log in on their websites and when I called them, they said I was \" ineligible '' for online services. I don't know how anyone can be deemed \" ineligible ''. A company can collect and keep MY personal information, information that affects MY life, and yet they can BAN me from seeing it, even if I am willing to PAY for their services. \n\nThey will also only let you dispute 1 item at a time, which is also WRONG. So, I have no choice but to continue to complain and force them to do their job through CFPB. \nAttached are all the supporting documents showing the bankruptcy, on PAGE 19, XXXX was listed as a creditor, the discharge from the court says ALL student loans were discharged. XXXX DID NOT show up to the meeting of the creditors to stake any claim. They can not sell off a discharged debt 3 years after bankruptcy. THEY ALSO can not CONTINUE to report it as COLLECTION or LATE PAYMENTS! WHILE AT THE SAME TIME, the COLLECITON COMPANY is doing the SAME THING! \n\nTHIS should be MORE THAN ENOUGH to ONCE AGAIN show that these companies are breaking EVERY FAIR CREDIT REPORT ACT law, not to mention the PROTECTION that was GIVEN TO ME by the UNITED STATES BANKRUPTCY COURT when the CHAPTER XXXX Bankruptcy was discharged. \n\nREMOVE XXXX AND XXXX  from all credit report agencies IMMEDIATELY and let me have the protection that was RIGHTFULLY given me under BANKRUPTCY law. If XXXX bought a bad debt from XXXX after discharge, they need to take that up with XXXX for breaking BANKRUPTCY law. THEY are NOT allowed to come after me 3 years later just because XXXX chose to try and send it to someone else after Bankruptcy to try and collect on. I am tired of XXXX and XXXX reporting this as COLLECTIONS/PAST DUE. I WANT THEM REMOVED IMMEDIATELY!","date_sent_to_company":"2021-03-10T19:18:59.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"99504","tags":null,"has_narrative":true,"complaint_id":"4200859","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2021-03-10T19:08:06.000Z","state":"AK","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["THIS should be MORE THAN ENOUGH to ONCE AGAIN show that these companies are breaking EVERY FAIR CREDIT REPORT ACT law, not to mention the <em>PROTECTION</em> that was GIVEN TO ME by the UNITED STATES <em>BANKRUPTCY</em> <em>COURT</em> when the CHAPTER XXXX <em>Bankruptcy</em> was discharged. \n\nREMOVE XXXX AND XXXX  from all credit report agencies IMMEDIATELY and let me <em>have</em> the <em>protection</em> that was RIGHTFULLY given me under <em>BANKRUPTCY</em> law."]},"sort":[17.378357,"4200859"]},{"_index":"complaint-public-v1","_id":"1985826","_score":17.257235,"_source":{"product":"Mortgage","complaint_what_happened":"My husband and I divorced XXXX XXXX XXXX and our house was in foreclosure. I applied for a loan modification in XXXX XXXX and was approved, after I sent my divorce decree and filed a quick deed claim with the courts. ( and all of the other XXXX pieces of paperwork. ) I went on the 3 month trial period and passed it, XXXX. XXXX, XXXX. Then my ex husband filed bankruptcy XXXX. XXXX, XXXX. They took my loan modification away. I was awarded the house in the divorce decree also. They said that my ex husband 's bankruptcy lawyer did n't file a motion?????? This lawyer said he did. So either the lawyers lying or the home mortgage company has lost it?????? Its my house. why would it have anything to do with my ex husbands ' bankruptcy. Now I cant even make a house payment because the house is in \" protection ''?????? I do n't know what to do.","date_sent_to_company":"2016-06-27T15:08:52.000Z","issue":"Loan servicing, payments, escrow account","sub_product":"Other mortgage","zip_code":"98366","tags":null,"has_narrative":true,"complaint_id":"1985826","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2016-06-27T15:08:51.000Z","state":"WA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Its my house. why would it <em>have</em> anything to do with my ex husbands ' <em>bankruptcy</em>. Now I cant even make a house payment because the house is in \" <em>protection</em> ''?????? I do n't know what to do."]},"sort":[17.257235,"1985826"]},{"_index":"complaint-public-v1","_id":"3423278","_score":16.937342,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I started my bankruptcy procedure in XX/XX/2019 at XXXX XXXX XXXX XXXX XXXX, XXXX. Before the bankruptcy procedure I initially wanted to avoid the Bankruptcy due to the negative impact it would have on my credit rating in the long run, so in order to exercise other avenues I went with Consumer Credit Counseling of XXXX XXXX, Iowa.The approximate date was XX/XX/2019. Prior to this I initiated a Debt Settlement Plan with a company in Texas, that turned out to be fraudulent ( I sent them XXXX to procure a settlement lawyer ). Through research and a few unsettling problems with the company I decided to work with the XXXX XXXX XXXX XXXX in XXXX XXXX, Iowa. During this time my counselor was trying to work out my financial budget plan for repaying each creditor. He stated that Discover would not work with the monthly payments that we decided on, which I believe was approx. {$100.00}, they insisted on {$300.00} down and after that $ XXXX- {$150.00} approximately paid monthly. My counselor advised me that my best option would be to file bankruptcy. After that I received a summons ( on XXXX ) stating that I was being sued. I was not informed prior to the summons that Discover Card was in the process of suing me nor did I receive a warning by written decree within an amount of time that would be viable to act upon in order to resolve the issue. During my Bankruptcy filing I received another summons in the mail stating that a date was officially set for a court hearing ( a response would be needed from me before the court date was set ). So, in order to avoid going to court I decided it would be in my best interest for my protection to pay the full amount needed for the bankruptcy to be closed ( which was XXXX ),  then I was told by my lawyer that Discover would not take action any further.","date_sent_to_company":"2019-10-30T23:03:27.000Z","issue":"Struggling to pay your bill","sub_product":"General-purpose credit card or charge card","zip_code":"554XX","tags":null,"has_narrative":true,"complaint_id":"3423278","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2019-10-30T21:56:54.000Z","state":"MN","company_public_response":null,"sub_issue":"Filed for bankruptcy"},"highlight":{"complaint_what_happened":["I started my <em>bankruptcy</em> procedure in XX/XX/2019 at XXXX XXXX XXXX XXXX XXXX, XXXX. Before the <em>bankruptcy</em> procedure I initially wanted to avoid the <em>Bankruptcy</em> due to the negative impact it would <em>have</em> on my credit rating in the long run, so in order to exercise other avenues I <em>went</em> with Consumer Credit Counseling of XXXX XXXX, Iowa.The approximate date was XX/XX/2019."],"sub_issue":["Filed for <em>bankruptcy</em>"]},"sort":[16.937342,"3423278"]},{"_index":"complaint-public-v1","_id":"7160937","_score":16.52354,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"According to 15 U.S.C 6802 ( a ) ( b ) ( c ), which obligates credit reporting agencies to notify me of negative reporting prior to publication thus allowing me the consumer to protest said publication of my personal affairs. The Fair Credit and Reporting Act sets forth that any information on my consumer report must be verified. Transunion has repeatedly ignored my disputes of their failure to protect my consumer rights by ensuring that the information on my report is verified. I asked XXXX how they varied the information and they said that the bankruptcies were reported by an office inside of the court. I asked what court and I told to hold for 1 - 2 minutes before I was hung up on.I called back, and spoke to a different rep and I asked them how the bankruptcies were verified and I was told that the creditors involved in said filings called Transunion and reported them, so I asked which creditors and they went silent before attempting to rush me off the line. I called back and spoke to another rep and they told too, told me that the court reported the bankruptcies and when I told them that I know that the bankruptcy reporting was not verified because I have direct correspondence with the court 's public records department I was told that there was nothing that they could do. In addition, XXXX has intentionally ignored my FCRA protections and remains in violation of 15 U.S.C 1692 ( c ) ( c ). I even received a response from them stating that they would investigate my dispute and abide by consumer law as well as the FCRA. The truth is that Transunion keep stalling me and trying to direct me to call XXXX. Transunion refuses to take responsibility for their inaccurate and unfair reporting practices thus violating my rights as a consumer. When I called them I spoke to a Transunion rep to whom I explained my FCRA protections and then asked how they verified the bankruptcy reporting on my Transunion consumer report. I was told that they verified the information with XXXX. I then asked how they verify that XXXX is following consumer law and I was told again to call XXXX XXXX. At one point I referenced 15 U.S.C 6802 and the rep cut me off to ask if there was anything else they can help with before ending the call despite my request to speak to a supervisor. The fact is, Transunion has continued to ignore my rights and are now in violation of 18 U.S.C 1028 ( a ) and I need for the CFPB to help protect my rights.","date_sent_to_company":"2023-06-24T15:02:22.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"32221","tags":"Servicemember","has_narrative":true,"complaint_id":"7160937","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-06-24T15:02:19.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I called back and spoke to another rep and they told too, told me that the <em>court</em> reported the <em>bankruptcies</em> and when I told them that I know that the <em>bankruptcy</em> reporting was not verified because I <em>have</em> direct correspondence with the <em>court</em> 's public records department I was told that there was nothing that they could do. In addition, XXXX has intentionally ignored my FCRA <em>protections</em> and remains in violation of 15 U.S.C 1692 ( c ) ( c )."]},"sort":[16.52354,"7160937"]},{"_index":"complaint-public-v1","_id":"7160984","_score":16.51528,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"According to 15 U.S.C 6802 ( a ) ( b ) ( c ), which obligates credit reporting agencies to notify me of negative reporting prior to publication thus allowing me the consumer to protest said publication of my personal affairs. The Fair Credit and Reporting Act sets forth that any information on my consumer report must be verified. Transunion has repeatedly ignored my disputes of their failure to protect my consumer rights by ensuring that the information on my report is verified. I asked XXXX how they varied the information and they said that the bankruptcies were reported by an office inside of the court. I asked what court and I told to hold for 1 - 2 minutes before I was hung up on.I called back, and spoke to a different rep and I asked them how the bankruptcies were verified and I was told that the creditors involved in said filings called Transunion and reported them, so I asked which creditors and they went silent before attempting to rush me off the line. I called back and spoke to another rep and they told too, told me that the court reported the bankruptcies and when I told them that I know that the bankruptcy reporting was not verified because I have direct correspondence with the court 's public records department I was told that there was nothing that they could do. In addition, XXXX has intentionally ignored my FCRA protections and remains in violation of 15 U.S.C 1692 ( c ) ( c ). I even received a response from them stating that they would investigate my dispute and abide by consumer law as well as the FCRA. The truth is that Transunion keep stalling me and trying to direct me to call XXXX. Transunion refuses to take responsibility for their inaccurate and unfair reporting practices thus violating my rights as a consumer. When I called them I spoke to a Transunion rep to whom I explained my FCRA protections and then asked how they verified the bankruptcy reporting on my Transunion consumer report. I was told that they verified the information with XXXX. I then asked how they verify that XXXX is following consumer law and I was told again to call XXXX XXXX. At one point I referenced 15 U.S.C 6802 and the rep cut me off to ask if there was anything else they can help with before ending the call despite my request to speak to a supervisor. The fact is, Transunion has continued to ignore my rights and are now in violation of 18 U.S.C 1028 ( a ) and I need for the CFPB to help protect my rights.","date_sent_to_company":"2023-06-24T15:02:22.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"32221","tags":"Servicemember","has_narrative":true,"complaint_id":"7160984","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-06-24T15:02:19.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I called back and spoke to another rep and they told too, told me that the <em>court</em> reported the <em>bankruptcies</em> and when I told them that I know that the <em>bankruptcy</em> reporting was not verified because I <em>have</em> direct correspondence with the <em>court</em> 's public records department I was told that there was nothing that they could do. In addition, XXXX has intentionally ignored my FCRA <em>protections</em> and remains in violation of 15 U.S.C 1692 ( c ) ( c )."]},"sort":[16.51528,"7160984"]},{"_index":"complaint-public-v1","_id":"7160949","_score":16.51528,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"According to 15 U.S.C 6802 ( a ) ( b ) ( c ), which obligates credit reporting agencies to notify me of negative reporting prior to publication thus allowing me the consumer to protest said publication of my personal affairs. The Fair Credit and Reporting Act sets forth that any information on my consumer report must be verified. Transunion has repeatedly ignored my disputes of their failure to protect my consumer rights by ensuring that the information on my report is verified. I asked XXXX how they varied the information and they said that the bankruptcies were reported by an office inside of the court. I asked what court and I told to hold for 1 - 2 minutes before I was hung up on.I called back, and spoke to a different rep and I asked them how the bankruptcies were verified and I was told that the creditors involved in said filings called Transunion and reported them, so I asked which creditors and they went silent before attempting to rush me off the line. I called back and spoke to another rep and they told too, told me that the court reported the bankruptcies and when I told them that I know that the bankruptcy reporting was not verified because I have direct correspondence with the court 's public records department I was told that there was nothing that they could do. In addition, XXXX has intentionally ignored my FCRA protections and remains in violation of 15 U.S.C 1692 ( c ) ( c ). I even received a response from them stating that they would investigate my dispute and abide by consumer law as well as the FCRA. The truth is that Transunion keep stalling me and trying to direct me to call XXXX. Transunion refuses to take responsibility for their inaccurate and unfair reporting practices thus violating my rights as a consumer. When I called them I spoke to a Transunion rep to whom I explained my FCRA protections and then asked how they verified the bankruptcy reporting on my Transunion consumer report. I was told that they verified the information with XXXX. I then asked how they verify that XXXX is following consumer law and I was told again to call XXXX XXXX. At one point I referenced 15 U.S.C 6802 and the rep cut me off to ask if there was anything else they can help with before ending the call despite my request to speak to a supervisor. The fact is, Transunion has continued to ignore my rights and are now in violation of 18 U.S.C 1028 ( a ) and I need for the CFPB to help protect my rights.","date_sent_to_company":"2023-06-24T15:02:15.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"32221","tags":"Servicemember","has_narrative":true,"complaint_id":"7160949","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-06-24T14:32:32.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I called back and spoke to another rep and they told too, told me that the <em>court</em> reported the <em>bankruptcies</em> and when I told them that I know that the <em>bankruptcy</em> reporting was not verified because I <em>have</em> direct correspondence with the <em>court</em> 's public records department I was told that there was nothing that they could do. In addition, XXXX has intentionally ignored my FCRA <em>protections</em> and remains in violation of 15 U.S.C 1692 ( c ) ( c )."]},"sort":[16.51528,"7160949"]},{"_index":"complaint-public-v1","_id":"2948248","_score":16.278841,"_source":{"product":"Mortgage","complaint_what_happened":"On XX/XX/XXXX I was threaten to sign a fraudulent mortgage loan that was a predatory loan scheme that was with deception, misleading information, deceit that was with threats, because everything a broker name XXXX promised was with misrepresentation, lies to force me to sign the fraudulent note with four fake attorneys who did conduct the threats for a XXXX the claim bank/lender. I was told my mortgage payment was to be lower than my XXXX XXXX XXXX Equity Line of Credit mortgage loan from XXXX XXXX that I have been with since XX/XX/XXXX where my Equity line loan payments was aright around {$680.00}. I was with a mortgage Equity Line Credit of {$140.00}, XXXX from XX/XX/XXXX to a XX/XX/XXXX over 18 months of this payment where the balance was approx {$140000.00} that went to a {$170000.00} with the fraudulent loan with a {$1300.00} affordable unlawful fraudulent force to pay where I was under duress and threats from fake attorneys claiming there is attorney fees and brokers fee and other debt payout to get over {$30000.00} plus added that was indeed fraud. I refused to sign but was threaten that it was too late they have already pay off XXXX XXXX and yes this sound odd but this was my first home and I was lost and knew nothing on what to do they forced me to sign and so start the fraudulent mortgage. The next part is a XXXX never got the to pick up the loan they went bankrupt so my loan that should have went back to XXXX XXXX did not because these fraudsters who already theft, steal money off my Equity line by fraudulently skimming off my Equity line of Credit in disguise of over {$30000.00} so I was left out in the mortgage pool no one funding but paying still with a fraudulent created note and mortgage where months later a servicer name Select Portfolio Servicing start sending mail fraud that I must now start paying them ( question here is who are these thieves ) when they had no bank or investor until I had to file for protection XX/XX/XXXX and in XX/XX/XXXX SPS fraudulently claim a XXXX XXXX XXXX XXXX is my claim bank when a XXXX had no lawful rights to assign and because of that they created a second mortgage on the same XXXX note fraudulently also using the same XXXX Id to pretend and continue the fraud claiming to be the first when a second mortgage can not be with the same note or XXXX identification without changing the note completely and changing the XXXX Id they kept the pretense to keep forcing me to pay because such unlawful it will and is fraud. My filing for Bankruptcy in XXXX for protection never happen I was never protected they never prove they own the note even when I was paying the Bankruptcy court the fraudulent claim of escrow shortage and still paying them forced past due escrow and unfavorable affordable mortgage with even living breath hard earn real money that was with a SPS fraudulently claims. I was paying also the claim past due that was all lies, and I had no choice from the bankruptcy court that they needed to go to jail because communication was to be with the bankruptcy court trustee and attorneys who I know find out was in the alliance a XXXX attorney firm when another attorney after all explain to me that I was being defraud. I fired that attorney on my Chapter XXXX and had no choice but to file a Chapter XXXX for further protection where my property under the protection 522 law is with and for exemption that is federal and states., It was where I was hoping that the Court will request all endorsement for note ownership only to be left alone no one cared because today bankruptcy courts are all in this alliance so I was still left with the unlawful forced to pay even after Bankruptcy Discharge of mortgage where the note if no real bank, or investor if there was a fraudulent second note to impaired the first all transaction is VOID, INVALID. I was only to be told the amount of discharge mortgage went up when if anything else this was to be a negotiable discharge for Fair Market deductions and all bankruptcy computerization calculations where with no collateral or equity left to pay the frauds all is VOID. But I am to pay the same fraudulent discharge mortgage with no help whatsoever from law keepers and a note that is indeed void and frauds that never got caught and today the court and title office is with alliances, government officials and all court in fear of breaking the alliances will not help, so I am left with paying money laundering to a fake bank/lender for now over 11 years still fighting the courts from the lower court to the federal courts to now hoping the Supreme Court of Georgia see this is a big ponzi scheme to defraud home owners, the real banks, the government and defraud the United States. I am in a world pool that is I am being defraud, a XXXX XXXX XXXX XXXX with the use of fake servicers SPS a  XXXX Superior Court tile office, Judges, attorneys, Sheriffs, Polices, insurance agents, title tax appraisals agents, maybe the FBI, just about all law keepers today is with this alliance to not have anyone expose this huge ciaos of economy destruction mortgage fraud scheme and I am a victim of this fraud in the United States and someone has to put a stop I am a single mother who is with this getting dismiss from every court not wanting to help me, and today I am paying as a tenant in my own home where there is wrongful filing for foreclosure a fake XXXX XXXX   with fraudulent amounts and no matter what documents I submit as proof an attorney comes to court with fake, misleading and their assign judge in the alliance to play the game of befriends unlawful cover-up scheme to defraud me even threaten me to be put in jail for 10 days taking too much of the cover-up in a XXXX Magistrate fake court room malicious intentions performances in front of XXXX of my children witness me being threaten that I did not prove the property is mine when my name is at the XXXX XXXX XXXX paying property tax since tax year XXXX and I still live there never abandon my property ans still paying the fraud under duress and threats, HELP! HELP!! HELP!!! HELP!!!!! this XXXX XXXX XXXX XXXX, with SPS attorneys, judges, superior title office of XXXX are FRAUDS. It is time I get some real lawful Help I am being deprived of my Constitutional rights the due process of laws are my Constitutional Law Rights. I am still unlawfully force to pay thieves, criminals, fraudsters all this alliances must stop for me the predatory lending is going on 16 years with the amount of payments made under threats through fraud and my Georgia Exemption of over {$20000.00} I have paid my home off and today still is force to pay fraud because no one wants to break the law keepers alliances of the mortgage fraud in this country cal USA. I seek justice, and hope to help others who have lost their homes through XXXX fraudulent claims, the fraudulent mortgage pool that no one is the real note holder it is then fraud. The Government is paying off the wrong people not the fake corporation it is giving back the innocents that have been abuse and violated of their Constitutional Law rights to own property without be defraud, no one have rights to remove a homeowner off any title with two notary stamp and fake deed of trust without the proper documents of who did endorse and that must be real documents not the fake claim of lost, and then recreate to show the assign judicial misconduct judges who will be with the alliance to continue fraud it is unlawful, and damages lives of the innocent who is with identity fraud for the mortgage fraud ponzi scheme. What is the Government plans I want to help this is the biggest fraud scheme that needs all law keepers to join force and rid the place of those who did form alliances to defraud the people of this country and land, defraud the court system, defraud the court, defraud the Government, defraud the United States it is all FRAUD in all areas of FRAUD, real estate contract fraud, bank loan investment fraud, claim security interest fraud, money laundering fraud, local and international fraud, documentation fraud, money exchange fraud with deception, identify theft fraud, social security fraud, department of labor fraud with the fraudulent claims of predatory lending scheme with made up income to defraud the innocent home seekers wanting a family home, fraud on the Sheriff department to issue fake warrants, fraud on the courts to be in alliances with fake judges that is assign, fraud on the court for mockery, legal abuse, wrongful use of the court is fraud on the court.","date_sent_to_company":"2018-06-27T20:21:40.000Z","issue":"Applying for a mortgage or refinancing an existing mortgage","sub_product":"Conventional home mortgage","zip_code":"30039","tags":null,"has_narrative":true,"complaint_id":"2948248","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SELECT PORTFOLIO SERVICING, INC.","date_received":"2018-06-27T17:18:21.000Z","state":"GA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I fired that attorney on my Chapter XXXX and had no choice but to file a Chapter XXXX for further <em>protection</em> where my property under the <em>protection</em> 522 law is with and for exemption that is federal and states., It was where I was hoping that the <em>Court</em> will request all endorsement for note ownership only to be left alone no one cared because today <em>bankruptcy</em> <em>courts</em> are all in this alliance so I was still left with the unlawful forced to pay even after <em>Bankruptcy</em> Discharge of mortgage where the note"]},"sort":[16.278841,"2948248"]},{"_index":"complaint-public-v1","_id":"3920370","_score":16.121178,"_source":{"product":"Debt collection","complaint_what_happened":"Dear Consumer Financial Protection Bureau : I was sued in small claims court by XXXX  XXXX and went to court on XX/XX/XXXX. The collection agency that took me to court was Atty. XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX claimed I opened an account with them on XX/XX/XXXX and paid perfectly until XX/XX/XXXX. I filed bankruptcy in XXXX and all credit card accounts including XXXX XXXX was discharged in Chapter XXXX bankruptcy on XXXX of XXXX. There was no way that four months later after Chapter XXXX discharge XXXX XXXX nor would any other credit card company extend me any credit let alone a high balance of over {$7600.00}, which they stated I owed. I went and filed an identity theft report with The XXXX police department to have them investigate if anyone was using my identity because the Collection Agency insisted this was a new account opened and I know I did not do it. I presented all evidence in court and the Collection agency presented their evidence. The judge agreed with me that there was no evidence that this was a new account and the collection agency could not present a contract, any receipts or evidence of payments from me during the XXXX XXXX time period that I supposedly paid on the account. The judge dismissed the case and asked that the case be removed from the docket of the Court and all cost incurred be taxed against XXXX XXXX. XXXX XXXX XXXX and XXXX XXXX, XXXX removed the Collection Account from my credit report and XXXX XXXX closed the account and removed the negative account from my credit report.\n\nThe Problem I am having is with the Collection agency Portfolio Recovery, LLC. Without any notification or opportunity to present my information to dispute the validity of the debt, Portfolio Recovery has put this old collections account, which has run the statute of limitations, been ordered removed from my Credit Bureau report in court, back on my report showing the account opened in XX/XX/XXXX. I have written the three Credit Bureaus on several occasions asking that this account be removed. I have sent a copy of the Judges order and even asked how a Collection company can collect on an account that has been removed from my Credit Report by the original creditor, has inaccurate dates, be allowed to remain on my Credit Bureau files. I am repeatedly told by the Credit Bureaus, that the account has been verified. Please help me with this issue. It is causing me harm and disqualifying me from promotions on my job and all types of credit rejections all because this rogue company feels they can just take advantage of the consumer and violate the Fair Credit Reporting Act. I had never heard of Portfolio Recovery until they showed up on my Credit Bureau reports, which I went to court and did all I could to take care of.","date_sent_to_company":"2020-10-27T13:40:19.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"751XX","tags":"Servicemember","has_narrative":true,"complaint_id":"3920370","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Portfolio Recovery Associates, LLC","date_received":"2020-10-27T01:45:06.000Z","state":"TX","company_public_response":null,"sub_issue":"Debt was already discharged in bankruptcy and is no longer owed"},"highlight":{"complaint_what_happened":["Dear Consumer Financial <em>Protection</em> Bureau : I was sued in small claims <em>court</em> by XXXX  XXXX and <em>went</em> to <em>court</em> on XX/XX/XXXX. The collection agency that took me to <em>court</em> was Atty. XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX claimed I opened an account with them on XX/XX/XXXX and paid perfectly until XX/XX/XXXX. I filed <em>bankruptcy</em> in XXXX and all credit card accounts including XXXX XXXX was discharged in Chapter XXXX <em>bankruptcy</em> on XXXX of XXXX."],"sub_issue":["Debt was already discharged in <em>bankruptcy</em> and is no longer owed"]},"sort":[16.121178,"3920370"]},{"_index":"complaint-public-v1","_id":"3432674","_score":15.908836,"_source":{"product":"Mortgage","complaint_what_happened":"I am writing because I believe my home has been foreclosed on illegally and I need assistance to stop this unlawful sale. I started to fall behind because I owed back taxes and the money I was making from the coffee shops I own was going to paying off the IRS. I also was involved in a custody battle over my child and opened a new business around the same time and lost a substantial amount of money. In XX/XX/XXXX I began to fall behind and thats when the issues with my lender started because they wouldnt work with me to accept the partial payments I was trying to submit and they consistently refused the requests I opened for modification and assistance. Things started to get even more complicated also because my loan was transferred to several different lenders who all gave me different information.\n\nAs a result I went into foreclosure in XX/XX/XXXX and the lender put my house up for sale at the foreclosure auction on XX/XX/XXXX. I never received a notice of sale and found out about the sale last minute and had to file Bankruptcy to stop the sale to try to see if I could apply for a loan modification or assistance and work something out with the lender to repay the debt I owed. I told the lender that I filed bankruptcy and followed up with them several times throughout the month of XX/XX/XXXX, and even spoke with an individual named XXXX, id # XXXX on XX/XX/XXXX who told me that my foreclosure was suspended because of the bankruptcy. But apparently, my bankruptcy was dismissed on XX/XX/XXXX and when I called on XX/XX/XXXX they told me that and also tried to say I had not been in contact with them for over a month when I had reached out several times within that time frame including on XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX. The next time I called was on XX/XX/XXXX and that is when a representative, XXXX ID # XXXX told me I had another sales on XX/XX/XXXX. I never received an actual notice of sale, but I was scared so I filed bankruptcy again on the day before the sale. I called the lender the same day I filed and spoke with XXXX XXXX who told me that he was going to give my information to the bankruptcy department and get the sales date postponed. I called again on XX/XX/XXXX and spoke with XXXX XXXX who told me that my account was in active bankruptcy and that I had 45 days to submit files for the loss mitigation department to review. I also called on XX/XX/XXXX and thats when a representative told me that my bankruptcy was dismissed on XX/XX/XXXX. Then, the next thing I know I got a motion to ratify in the mail on XX/XX/XXXX saying that my home was sold in a foreclosure auction on XX/XX/XXXX and that the sale had been finalized as of XX/XX/XXXX. \nI tried to call the lender to see why my home was sold while I was in bankruptcy and the representative I spoke with, XXXX, told me that my bankruptcy was not filed correctly. When I asked to speak with the bankruptcy department she would not transfer me and also told me that the bankruptcy department was not comfortable speaking with me and that something did happen with my bankruptcy but that she couldnt tell me what happened. She then tried to tell me that because I did not file all of my paperwork the day that I filed bankruptcy that it was the reason the bankruptcy was not valid. But she confirmed that the courts had my bankruptcy filing pending from XX/XX/XXXX through the XXXX and that because the bankruptcy wasnt completely filed they did not have to postpone the sales date, even though several representatives told me that my sales date was postponed throughout the entire month of XXXX. I asked to speak with the manager about this and spoke with XXXX in Loss Mitigation who told me that the bankruptcy attorneys advised them the sale was valid and that the stay of protection from bankruptcy was not valid. XXXX also was very rude to me and hung up in my face before I could ask if they filed anything with the court to stop my protection in the bankruptcy. I reached out to the bankruptcy attorney office which is XXXX XXXX XXXX and spoke with XXXX XXXX, the Post Sales Manager. XXXX was extremely rude and treated me as if I were stupid and told me that my bankruptcy was not valid and that I had no protection under it. So I asked him if they had asked the court to lift my protection and he insisted that he would not explain bankruptcy law to me, even though I told him I already understand it and just need to see proof that they filed for the protection to be removed but he declined. I asked to speak with the bankruptcy department and he also refused to transfer me and told me to get a bankruptcy lawyer.","date_sent_to_company":"2019-11-08T18:01:54.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"20003","tags":null,"has_narrative":true,"complaint_id":"3432674","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"RUSHMORE LOAN MANAGEMENT SERVICES LLC","date_received":"2019-11-08T17:21:23.000Z","state":"DC","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["But she confirmed that the <em>courts</em> had my <em>bankruptcy</em> filing pending from XX/XX/XXXX through the XXXX and that because the <em>bankruptcy</em> wasnt completely filed they did not <em>have</em> to postpone the sales date, even though several representatives told me that my sales date was postponed throughout the entire month of XXXX."]},"sort":[15.908836,"3432674"]},{"_index":"complaint-public-v1","_id":"2835120","_score":15.905504,"_source":{"product":"Mortgage","complaint_what_happened":"In XX/XX/XXXX I took out a loan with XXXX XXXX dba XXXX for $ XXXX. Since then I have made all my payments on time that have not been sent to the Investor/Beneficiary XXXX, XXXX, XXXX XXXX, TRUSTEE, XXXX TRUST according to them. Recent cases have stated that the Trustee XXXX XXXX  must inform me in detail of all payments made since XX/XX/XXXX to my loan, including those from XXXX XXXX  XXXX XXXX XXXX. They has been misapplying my average payment for {$2000.00} usd per month and not posting the correct amount to Principal which leads me to believe this is all fraud on the Bankruptcy court. Sometimes they post {$540.00} to Principal and sometimes {$460.00} which is absurd. Also the charge me fees and costs which I know nothing about. I went through a divorce in XX/XX/XXXX and filed for Federal Bankruptcy Protection in XX/XX/XXXX and have made all my post petition payments as agreed since then, but they have posted them to my pre-petition payments which are being made directly by the Trustee. I request that the CFPB audit this loan asap.","date_sent_to_company":"2018-03-06T19:20:00.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"91505","tags":null,"has_narrative":true,"complaint_id":"2835120","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Caliber Home Loans, Inc.","date_received":"2018-03-06T19:02:31.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I <em>went</em> through a divorce in XX/XX/XXXX and filed for Federal <em>Bankruptcy</em> <em>Protection</em> in XX/XX/XXXX and <em>have</em> made all my post petition payments as agreed since then, but they <em>have</em> posted them to my pre-petition payments which are being made directly by the Trustee. I request that the CFPB audit this loan asap."]},"sort":[15.905504,"2835120"]},{"_index":"complaint-public-v1","_id":"11511771","_score":15.875916,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I sent two letters to LexisNexis on XX/XX/XXXX and XX/XX/XXXX via USPS certified mail to dispute inaccurate information they have published on my consumer credit report with no success. Both letters were responded to with additional copies of my consumer report and did not address the inaccurate reporting or attempt to rectify the issue at all. Therefore, I am reporting their willful noncompliance and blatant violations of the Fair Credit Reporting Act ( FCRA ) to the Consumer Financial Protection Bureau ( CFPB ).\n\nAs a consumer reporting agency governed by the FCRA, 15 U.S.C. 1681, et seq., LexisNexis has a legal obligation to ensure that all information in consumer files is accurate and free from errors. LexisNexis has inaccurately published a bankruptcy filing to my consumer report, which is in direct violation of 15 U.S.C. 1681e ( b ). On the Bankruptcy Court 's website that LexisNexis referenced in their publication on my report, it specifically and clearly states that they do not report or provide consumer information to credit reporting agencies. Furthermore, LexisNexis listed a completely different entity from the Bankruptcy Court as the source of their reporting. 15 U.S.C. 1681e ( b ) requires consumer reporting agencies to achieve a high standard of accuracy, as demonstrated in cases like XXXX XXXX XXXX XXXX XXXX XXXXXXXX where the court highlighted the strict requirements for assuring maximum accuracy. \n\nAdditionally, when I disputed the information and requested that LexisNexis provide me with verified documentation that illustrates I had granted them the permission in writing to report this information on my report, the requests went ignored in direct violation of 15 U.S.C. 1681i. Moreover, because neither myself or the Bankruptcy Court provided LexisNexis with this information, it is apparent that they obtained this information under false pretenses because the information is unverified and unauthenticated, which is a direct violation of 15 U.S.C. 1681g. \n\nLastly, LexisNexis had absolutely no permissible purpose to report this information, because as previously stated I did not provide them with written permission granting them the right to do so. For them to still publish the information with no permissible purpose, they have also violated 15 U.S.C. 1681b.\n\nFor the foregoing reasons, LexisNexis must remove this unverified, invalid, and derogatory information from my report Under the FCRA. They have violated several sections of the FCRA, including 15 U.S.C. 1681 ( a ) ( 4 ) as well as the Privacy Act of 1974, as they have not exercised their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy as a consumer reporting agency.\n\nI am prepared to provide all supporting documents and a copy of the dispute letters sent to LexisNexis upon request. LexisNexis 's lack of action on this matter is not only a failure in consumer protection but also a breach of the legal obligation they have to consumers under federal law. I request immediate intervention from the CFPB to resolve this matter.","date_sent_to_company":"2025-01-15T00:22:04.000Z","issue":"Improper use of your report","sub_product":"Other personal consumer report","zip_code":"30134","tags":null,"has_narrative":true,"complaint_id":"11511771","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2025-01-14T23:25:46.000Z","state":"GA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["LexisNexis 's lack of action on this matter is not only a failure in consumer <em>protection</em> but also a breach of the legal obligation they <em>have</em> to consumers under federal law. I request immediate intervention from the CFPB to resolve this matter."]},"sort":[15.875916,"11511771"]},{"_index":"complaint-public-v1","_id":"2307799","_score":15.379961,"_source":{"product":"Student loan","complaint_what_happened":"When I was in school pursuing my XXXX and XXXX degree I had some federal loans with XXXX XXXX ( now Navient ) and started getting calls from them about taking out Tuition Answer loans to cover expenses. I did not know at the time that they were private loans and did not have the same repayment options as federal. As I was finishing my XXXX my husband and I went through XXXX layoffs and ended up having to file Chapter XXXX bankruptcy. Our attorney told us that the student loans would not accrue interest while we were under bankruptcy protection. That turned out to be false. Payments were made to Navient on these loans through the bankruptcy court. We made every payment to the bankruptcy court on time and were successfully discharged XX/XX/2015. I immediately called Navient to try to make repayment arrangements. When I called them I found that because of interest added while we were in bankruptcy our balance on these loans had gone from {$110000.00} to {$240000.00}. Over {$120000.00} was added in interest! They told me the payment would be {$2100.00} per month. I explained that I could not afford that and they offered to enroll me in what they called their rate reduction program. They said that I would be able to pay the loans down faster since I would n't be paying as much interest and they set me up with a payment that was under {$1000.00} per month. That program expired after a year so I called back and asked if I could continue in that program. They told me I did not qualify and had no other options but to make the full {$2100.00} per month payment or they would begin enforcement action against me. Since then I have been working XXXX full time jobs to try to make these payments and am quickly running out of options. \nWhen they told me I could not continue in their rate reduction plan I started keeping track of everything on a spreadsheet which I can send to you. When the rate reduction plan ended XX/XX/XXXX my balance was {$240000.00}. After making the full payment of {$2100.00} my balance actually went up to {$240000.00}. For the following two months after making the full payment my balance was reduced by less than {$300.00}. I called Navient and asked them why my balance was going up even though I was making full payments. They told me that all of the interest I 'saved ' while being in their rate reduction program was put back on my balance. They did not tell me that would happen when they put me on that program. XX/XX/XXXX my balance did decrease by {$1100.00} but XX/XX/XXXX it increased by {$580.00}. No one at Navient can give me an explanation as to why this is happening. We are much worse off financially now than we were before filing bankruptcy solely because of these loans.","date_sent_to_company":"2017-01-24T21:46:01.000Z","issue":"Can't repay my loan","sub_product":"Non-federal student loan","zip_code":"80138","tags":null,"has_narrative":true,"complaint_id":"2307799","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2017-01-24T21:46:00.000Z","state":"CO","company_public_response":null,"sub_issue":"Can't decrease my monthly payments"},"highlight":{"complaint_what_happened":["I did not know at the time that they were private loans and did not <em>have</em> the same repayment options as federal. As I was finishing my XXXX my husband and I <em>went</em> through XXXX layoffs and ended up <em>having</em> to file Chapter XXXX <em>bankruptcy</em>. Our attorney told us that the student loans would not accrue interest while we were under <em>bankruptcy</em> <em>protection</em>. That turned out to be false. Payments were made to Navient on these loans through the <em>bankruptcy</em> <em>court</em>."]},"sort":[15.379961,"2307799"]},{"_index":"complaint-public-v1","_id":"18564471","_score":14.557083,"_source":{"product":"Mortgage","complaint_what_happened":"I was served by Pnc in XXXX of XXXX. They could find me to serve me but not inform me of no refinance or assumed loan per my divorce agreement 12 years before. He had modified the loan and got on a forbearance, Pnc did not need my signature nor needed to inform me because of the divorce agreement and quit claim deed. They only needed him. \nI had sent my divorce agreement and quit claim deed to the summons site in the papers I was served. \nNothing happened. \nI called a lawyer for a consultation, explained divorce agreement and quit claim deed etc. XXXX took my case. Ive been fighting a court battle in divorce court and PNc in foreclosure defense for over 3 years. As of XX/XX/XXXX I finally had XXXX XXXX my ex-husband leave the property. After I finally obtained a court order on XX/XX/XXXX that he had to cooperate with the deed in lieu of foreclosure and vacate immediately. He claimed to be in the hospital at times, his lawyer wouldnt show up for zoom court dates. Both claimed they didnt have cameras, it goes on and on. His lawyer claimed his XXXX to be XXXX  and XXXX  XXXX, claimed to file for bankruptcy, claimed remediation of the loan. Stall after stall. Plain and simple, he didnt cooperate with the original divorce agreement. Pnc allowed him due to a previous bankruptcy to stay in the home, not pay, incur debt. He had protection, I did not. So. Pnc was coming for me. First application for the deed in lieu of foreclosure he ignored until there was going to be detention and a body attachment on XX/XX/XXXX. But due to the court and XXXX XXXX, Pnc said the papers were not returned in a timely manner. I called and asked what I could do. I could reapply. XX/XX/XXXX I finally received the order to cooperate and vacate. My lawyer believed opposing counsel was not communicating with XXXX, so he didnt know anything about the order. The laws didnt apply to me, and I could communicate with him. So, I called him on XX/XX/XXXX no answer. So, I text him the order and the information, on the deed in lieu, and could he check his mail and sign the documents. The documents from Pnc were not there. They emailed them to me. Called the next day no paperwork. So, to show cooperation for the court date I asked if I could bring the paperwork to his home, since he was recovering from a XXXX, for him to sign. I went to XXXX police department showed the order, my drivers license and the paperwork I needed him to sign. They sent an officer with me. On XX/XX/XXXX I had the paperwork signed. Went and faxed it to my attorney and to Pnc. The deed was already signed and motorized XX/XX/XXXX. I had my lawyer fax the deed as well. \nI then reread the deed in leui of paperwork. He had to be out by XX/XX/XXXX. \nEven though I had a court order to vacate immediately. The judge allowed him to XX/XX/XXXX midnight. XX/XX/XXXX he sent a picture of the key and garage door opener. I went over there XX/XX/XXXX XXXX am the house was not in broom swept condition, pretty much a disaster. Monday the XXXX of XX/XX/XXXX he sent me texts his gas, water, and electricity would be shut off. I went by XX/XX/XXXX to make sure he hadnt returned, it looked as though he hadnt. XXXX with XXXX XXXX XXXX  and Pnc XXXX. I called Pnc and informed them he was out. Still finishing up the paperwork. \nThis is just ridiculous I should get my lawyer fees back. I have paid an enormous amount of money, fighting Pnc and XXXX XXXX because they never informed me I was still on the mortgage 12 years after my divorce. They allowed him to do this not me.","date_sent_to_company":"2026-01-08T14:45:25.000Z","issue":"Applying for a mortgage or refinancing an existing mortgage","sub_product":"Conventional home mortgage","zip_code":"601XX","tags":null,"has_narrative":true,"complaint_id":"18564471","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PNC Bank N.A.","date_received":"2026-01-08T13:47:44.000Z","state":"IL","company_public_response":null,"sub_issue":"Trying to communicate with the company to fix an issue with the application process"},"highlight":{"complaint_what_happened":["Ive been fighting a <em>court</em> battle in divorce <em>court</em> and PNc in foreclosure defense for over 3 years. As of XX/XX/XXXX I finally had XXXX XXXX my ex-husband leave the property. After I finally obtained a <em>court</em> order on XX/XX/XXXX that he had to cooperate with the deed in lieu of foreclosure and vacate immediately. He claimed to be in the hospital at times, his lawyer wouldnt show up for zoom <em>court</em> dates. Both claimed they didnt <em>have</em> cameras, it goes on and on."]},"sort":[14.557083,"18564471"]},{"_index":"complaint-public-v1","_id":"2648391","_score":14.286662,"_source":{"product":"Student loan","complaint_what_happened":"I have been attempting to get hardship with this company since XXXX 2016 on my private loan. At the time, I had Chapter XXXX bankruptcy protection ; it was dismissed due to me being unable to make payments once I lost my job. Once I notified them of my unemployment situation, all of my Federal loans I had no problems getting unemployment/hardship approval. But not Navient, with the private loan. They in fact flat out refused to allow me to defer payments. On top of that, the only repayment option offered they would not provide terms in writing until I made 3 payments The payment amount advised is not something I can afford to do. One representative even said the government gives them the protection to do this and they pretty much owned me cause I 'm behind and my situation does n't matter. She then went on to say, I owed them they can do what they want. How are yo\nu allowing this company 's private loan side do this to consumers? I 'm presently going through Chapter XXXX and in speaking with them ( cause they still continuously call ), they say it does n't matter. Why is the government allowing the private side to have the ability to be so unforgiving of people who prove they fallen on hard times? Why be so secretive with payment options and allow private student loan lenders to refuse to provide details/terms of agreement prior to entering into payment agreements? I have proven to the Federal government I 'm not financial able at this time to repay my loans ; and granted a year forbearance. Why are you allowing private student loan lenders to create different rules that they knowingly will result in a borrower defaulting? They should have to abide by the same terms and provide the same hardship options as the federal government, when it comes to student loans. Especially considering the bankruptcy courts do n't view the loan like a car or mortgage. Private student loans should either be forced to abide by the same rules as federal loans, when it comes to hardship repayment, or allow for borrowers to dismiss in bankruptcy like all other private lender debts.","date_sent_to_company":"2017-08-22T19:34:23.000Z","issue":"Struggling to repay your loan","sub_product":"Private student loan","zip_code":"48235","tags":null,"has_narrative":true,"complaint_id":"2648391","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2017-08-22T18:54:21.000Z","state":"MI","company_public_response":null,"sub_issue":"Can't temporarily delay making payments"},"highlight":{"complaint_what_happened":["They should <em>have</em> to abide by the same terms and provide the same hardship options as the federal government, when it comes to student loans. Especially considering the <em>bankruptcy</em> <em>courts</em> do n't view the loan like a car or mortgage. Private student loans should either be forced to abide by the same rules as federal loans, when it comes to hardship repayment, or allow for borrowers to dismiss in <em>bankruptcy</em> like all other private lender debts."]},"sort":[14.286662,"2648391"]},{"_index":"complaint-public-v1","_id":"2930425","_score":14.264411,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This is my second complaint against LexisNexis as the first complaint went unresolved. They responded in a fabricated letter with no verifiable evidence and a link to a website that is unresponsive. They sent me a 'report ' simply stating they verified a bankruptcy via an address where I have never had any affiliation ( XXXX XXXX XXXX ). They did not provide verifiable information with my signature or documentation from the U.S. Bankruptcy Court. I provided evidence proving LexisNexis did not respond within the 30 day timeframe, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ). My letter dated XX/XX/XXXX ( via certified mail ) was received by LexisNexis on XX/XX/XXXX. I spoke to a representative named XXXX on XX/XX/XXXX and he told me the review was completed on XX/XX/XXXX and would be sent out to me. I received the letter 10 days later on XX/XX/XXXX via regular mail. I have since sent a letter to XXXX XXXX, the CEO of LexisNexis, Risk Solutions. \n\nU.S. Bankruptcy Courts do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers ( LexisNexis ) who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U.S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. Considering the information indicating a Fair Credit Reporting Act violation, the bankruptcy information currently showing under my social security number NEEDS to be PERMANENTLY DELETED from my credit report immediately. \n\nLexisNexis needs to provide me with copies of all documentation associated with this Public Record Account bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from the credit file they maintain under my name and social security number. Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), they are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that they post on anyones credit report. Otherwise, anyone paying for their reporting services could fax, mail, email in fraudulent and erroneous account information.\n\nFurthermore, please note : Rule 9037. Privacy Protection For Filings Made with the Court ( a ) Redacted Filings. Unless the court orders otherwise, in an electronic or paper filing made with the court that contains an individual 's social-security number, taxpayer-identification number, or birth date, the name of an individual, other than the debtor, known to be and identified as a minor, or a financial-account number, a party or nonparty making the filing may include only : ( 1 ) the last four digits of the social-security number and taxpayer-identification number ; ( 2 ) the year of the individual 's birth ; ( 3 ) the minor 's initials ; and ( 4 ) the last four digits of the financial-account number.\n\n( b ) Exemptions From the Redaction Requirement. The redaction requirement does not apply to the following : ( 1 ) a financial-account number that identifies the property allegedly subject to forfeiture in a forfeiture proceeding ; ( 2 ) the record of an administrative or agency proceeding unless filed with a proof of claim ; ( 3 ) the official record of a state-court proceeding ; ( 4 ) the record of a court or tribunal, if that record was not subject to the redaction requirement when originally filed ; ( 5 ) a filing covered by subdivision ( c ) of this rule ; and ( 6 ) a filing that is subject to 110 of the Code.\n\n( c ) Filings Made Under Seal. The court may order that a filing be made under seal without redaction. The court may later unseal the filing or order the entity that made the filing to file a redacted version for the public record.\n\n( d ) Protective Orders. For cause, the court may by order in a case under the Code : ( 1 ) require redaction of additional information ; or ( 2 ) limit or prohibit a nonparty 's remote electronic access to a document filed with the court.\n\n( e ) Option for Additional Unredacted Filing Under Seal. An entity making a redacted filing may also file an unredacted copy under seal. The court must retain the unredacted copy as part of the record.\n\n( f ) Option for Filing a Reference List. A filing that contains redacted information may be filed together with a reference list that identifies each item of redacted information and specifies an appropriate identifier that uniquely corresponds to each item listed. The list must be filed under seal and may be amended as of right. Any reference in the case to a listed identifier will be construed to refer to the corresponding item of information.\n\n( g ) Waiver of Protection of Identifiers. An entity waives the protection of subdivision ( a ) as to the entity 's own information by filing it without redaction and not under seal. \n\n( Added XX/XX/XXXX, eff. XX/XX/XXXX. )","date_sent_to_company":"2018-06-08T14:16:00.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"10034","tags":null,"has_narrative":true,"complaint_id":"2930425","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2018-06-08T13:18:15.000Z","state":"NY","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["This is my second complaint against LexisNexis as the first complaint <em>went</em> unresolved. They responded in a fabricated letter with no verifiable evidence and a link to a website that is unresponsive. They sent me a 'report ' simply stating they verified a <em>bankruptcy</em> via an address where I <em>have</em> never had any affiliation ( XXXX XXXX XXXX ). They did not provide verifiable information with my signature or documentation from the U.S. <em>Bankruptcy</em> <em>Court</em>."]},"sort":[14.264411,"2930425"]},{"_index":"complaint-public-v1","_id":"1377273","_score":14.242582,"_source":{"product":"Mortgage","complaint_what_happened":"This complaint technically regards fraud, how I have dealt with it, and which office of protection who I complain to. On or about XXXX XXXX, XXXX I created a mortgage with XXXX XXXX XXXX XXXX Property is in XXXX . It is my residence. It was a high-interest re-fi. On XXXX XXXX, XXXX \" XXXX XXXX '' went into receivership as it was banned from trading by the \" SEC ''. On XXXX XXXX, XXXX I filed for Bankruptcy under Chapter XXXX # XXXX, District of XXXX. This alleged debt was discharged & not abandoned as a secured debt. A motion from relief from Stay was filed by the wrong bank on the wrong property but in my case. It was not me or the correct bank. \" XXXX ' went officially out of business XXXX XXXX, XXXX. Assets disturbed by the Trustee in their bankruptcy. XXXX XXXX, XXXX a document titled ASSIGNMENT OF MORTGAGE was recorded at STATE OF XXXX LAND COURT DOC. # XXXX on XXXX. It was filed on behalf XXXX. naming XXXX, XXXX, as Trustee for THE BENEFIT OF XXXX., XXXX XXXX XXXX XXXX, XXXX XXXX ASSET BACKED PASS-THROUGH CERTIFICATES. Clearly stamped on the doc. was \" this document is filed as an accommodation ONLY. It has not been examined as to its execution or its effect on the title. '' Meaning it was a forged rob-signed document. It was signed in XXXX by XXXX XXXX claiming to be a vice-president of \" New Century '', a defunct corp. based in XXXX XXXX XXXX is a known rob-signer a actually vice-president of XXXX XXXX XXXX over-seeing its XXXX acquisitions. My mortgage never was a XXXX mortgage! Land Court it very specific here in XXXX. XXXX tried to foreclosure on me in XXXX XXXX but they could not. It was rejected. After discovering this fraud I sent my NOTICE OF RIGHT OF RESCISSION under \" TILA '' to XXXX. AND XXXX . USPS cert. Mail # XXXX. I clearly rescinded the mortgage and note by OPERATION OF LAW. The US SUPREME COURT recently had a unanimous decision about this in XXXX vs XXXX # XXXX on XXXX XXXX, XXXX. \" TILA means TILA '' and rescission means the mortgage and note are null and void. \" OPERATION OF LAW from XXXX 's Law XXXX XXXX. means by which a right or a liability is created for a party regardless of the party 's actual intent ''. Around XXXX SELECT PORTFOLIO SERVICING, INC. took over servicing of this alleged mortgage. They continually send me letters, statements, against the bankruptcy law, and deny my mortgage was cancelled under TILA. I filed a NOTICE OF RESCISSION in the LAND COURT of XXXX including my letters to them as evidence. They have no status, standing, or jurisdiction in this matter. Please contact \" SPS, Inc. and XXXX '' and let them know the facts as my letters and filings fall on deaf ears. Account # XXXX XXXX XXXX XXXX. I filed a complaint at OCC comptroller of the currency and they sent me to you. They handle TILA cases, but this complaint qualifies under your office. The mortgage and note were due to me within 20days after my notice along with all the monies I deposited. SPS, Inc continues to have an insurance policy naming them as loss payee against all my formal objections. They may also have a mortgage insurance policy as well, but I do not know. The XXXX Circuit Court of Appeals just the other day found XXXX XXXX XXXX criminally libel and engaging in racketeering pursuant to RICO for foreclosing when they knew a TILA Rescission Notice was sent. Details of this case forthcoming. Please assist me in bringing closure and settlement due to me. Under \" TILA '' borrower does not need to file a counterclaim. Only when one is suing for damages does one need to. Thank you","date_sent_to_company":"2015-05-19T16:44:58.000Z","issue":"Settlement process and costs","sub_product":"Conventional adjustable mortgage (ARM)","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"1377273","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SELECT PORTFOLIO SERVICING, INC.","date_received":"2015-05-15T23:00:41.000Z","state":"HI","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["This complaint technically regards fraud, how I <em>have</em> dealt with it, and which office of <em>protection</em> who I complain to. On or about XXXX XXXX, XXXX I created a mortgage with XXXX XXXX XXXX XXXX Property is in XXXX . It is my residence. It was a high-interest re-fi. On XXXX XXXX, XXXX \" XXXX XXXX '' <em>went</em> into receivership as it was banned from trading by the \" SEC ''. On XXXX XXXX, XXXX I filed for <em>Bankruptcy</em> under Chapter XXXX # XXXX, District of XXXX."]},"sort":[14.242582,"1377273"]},{"_index":"complaint-public-v1","_id":"9816243","_score":14.175532,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Attention : To Whom It May Concern Attention : CFPB ( Consumer Financial Protection Bureau ) I asked to speak with a supervisor, but no supervisor answered the phone. Additionally, they stated that they would give me a call within XXXX days, and then they never did. I have called XXXX times and this has been the process the entire time. Each time I called, except the XXXX time I called, I spent a minimum of XXXX hours on the phone and a XXXX of XXXX hours on the phone. On the XXXX time, I told the lady that I would not be wasting hours on the phone any longer and that they had XXXX minutes on the XXXX call that was made. \n\nOn the XXXX time, I told the agent on the phone that I was tired of my time being wasted, and that if it was not possible to get a supervisor I would be writing the financial consumer reporting agency because these supervisors needed to be held accountable, and that I would now require a name of the supervisor that I was being transferred to with a work ID. \n\nI need your agency to help be get results because this company is dragging down my credit score because of their insufficient ways of handling data. I went through bankruptcy and since then my credit score has been going up because I have XXXX credit card that is being paid on time and early. The bankruptcy court told me that I need not pay my student load during this time and that MOHELA should not be hitting my credit score with late or non-payments. Well, the bankruptcy court granted me Chapter XXXX and so now I am trying to contact them on the next steps because a low-grade customer representative is not able to assist me with it and only a supervisor can assist me with it, but now the supervisors are not answering their phones. I called on the lowest rated day possible when they would not be so busy, and still, it took an hour and XXXX minutes, and still no answer. The XXXX who was supposed to help me goes by the name of XXXX with the ID : XXXX. Other supervisors did not answer the phone but I don't have their information. This is ridiculous that you have to hold a supervisor 's hand like a child. The only thing they seem to be able to do is convert XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n\nCan someone from your department help me with these misfits? \n\nThank you for help in advance! \n\nBest Regards, XXXX XXXX XXXX","date_sent_to_company":"2024-08-15T16:33:21.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"53204","tags":"Servicemember","has_narrative":true,"complaint_id":"9816243","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"MOHELA","date_received":"2024-08-15T15:43:07.000Z","state":"WI","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["I <em>went</em> through <em>bankruptcy</em> and since then my credit score has been going up because I <em>have</em> XXXX credit card that is being paid on time and early. The <em>bankruptcy</em> <em>court</em> told me that I need not pay my student load during this time and that MOHELA should not be hitting my credit score with late or non-payments."]},"sort":[14.175532,"9816243"]},{"_index":"complaint-public-v1","_id":"2740969","_score":14.156993,"_source":{"product":"Mortgage","complaint_what_happened":"I was foreclosed on during remodification process. I was led to believe that I was being processed in XXXX with documentation from the servicer with contact numbers that would not except my calls or relay me to an extension of the rep. whom was handling my case when trying to contact and follow up. Ultimately I was given a 3 day notice of eviction by the Sheriff ( XXXX XXXX XXXX @ XXXX ). I had filed for bankruptcy protection and the law firm went to court to have it lifted as I was awaiting a modification. I later was informed by NACA ( 3rd party entity ) helping with the modification that the home had been sold in XXXX XXXX. It was XXXX when I received the modification documentation. I was receiving billing statements monthly throughout this year. \n\nThe servicer did not : Quickly resolve complaints and share information. \n\nHave and follow good customer service policies and procedures. \n\nContact you to help you when youre having trouble making your payments. \n\nWork with you, if you are having trouble paying your mortgage, before starting or continuing foreclosure. \n\nAllow you to seek review of the mortgage servicers decision about your loan workout request. \nI am now leaving the home with a XXXX and XXXX under XXXX  circumstances.","date_sent_to_company":"2017-11-29T17:29:38.000Z","issue":"Applying for a mortgage or refinancing an existing mortgage","sub_product":"Conventional home mortgage","zip_code":"39110","tags":null,"has_narrative":true,"complaint_id":"2740969","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Ditech Financial LLC","date_received":"2017-11-29T17:02:16.000Z","state":"MS","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["I had filed for <em>bankruptcy</em> <em>protection</em> and the law firm <em>went</em> to <em>court</em> to <em>have</em> it lifted as I was awaiting a modification. I later was informed by NACA ( 3rd party entity ) helping with the modification that the home had been sold in XXXX XXXX. It was XXXX when I received the modification documentation. I was receiving billing statements monthly throughout this year. \n\nThe servicer did not : Quickly resolve complaints and share information."]},"sort":[14.156993,"2740969"]},{"_index":"complaint-public-v1","_id":"3437456","_score":14.026493,"_source":{"product":"Mortgage","complaint_what_happened":"My name is XXXX XXXX. I have a mortgage loan with PHH Mortgage Loan # XXXX. I recently filed a consumer protection complaint against them under case # XXXX-XXXX and they responded XX/XX/XXXX. The issue with them is continuing to collect mortgage payments under my name by an unauthorized 3rd party who filed bankruptcy chapter XXXX on my debt lying to bankruptcy court listing debt as her own ( Ms. XXXX XXXX ) when the debt is solely mines. I am the purchaser of property at hand and already filed chapter XXXX bankruptcy with my debt being discharged. I requested my case be closed, my personal information stop being used by others, and all debt collection under my name and loan be ceased. However, debt is still being collect by bank from unauthorized 3rd party who has been late continuously under the bankruptcy plan. She lied to court she lives in property when it actual sits empty. I'm filing another complaint ahainst PHH in esponse to first complaint which they stated I may contact them and when I did, a representative refused to speak to me on my own debt because the case is under chapter XXXX with an attorney for this 3rd party unauthorized party. Ms. XXXX XXXX. This is unlawful I can not even speak on my own debt I acquired and the bank assigned a manager relation named XXXX XXXX which numbers provided in response are invalid. \n\nThe resolution I'm requesting from PHH is to : 1. Clear me to speak on my own debt. I am not represented by an attorney and therefore, should be allowed to speak on my debt. \n\nThe bank indicated in their response they obtained legal counsel to inquire how this property was obtained. \nI am responding to they inquiry. \nI purchased home in XXXX as a single woman. Worked all my life living in home for 14years. I had become terribly ill with ongoing health problems and in XX/XX/XXXX was hospitalized where Ms. XXXX XXXX, my cousin came with notary while I was on medication and had me sign my home so she can handle my affairs if I died. When I got out I asked her to sign home back.over while I lived in it continuing payments. However, she always wanted home but was never willing to work for one of her own and lied stating she spent {$20000.00} on upgrades not willing to produce one rreceipt for so called upgrades to rent house out for me. We had mediation with court mediator who told my cousin she can clearly see she is trying to take my home and any arbritrator could see that and she knows she's lying about spending {$20000.00} in this home she barely had signed over to her. My cousin then evicted me out the house with no place to go. I have never been homeless in my life until this dirt bag came along. \nWorked all my life until I became very sick and XXXX. I had money to pay her back for true amount she really spent on upgrades after I went to store XXXX XXXX  and obtained receipt she only spent {$3000.00} but she continued to tell her same {$20000.00} lie to make sure I could not get my home back. The true place ms. XXXX spent {$20000.00} on is all her attorneys fighting to take and keep my home. During this time, I have had negative reportings on my credit because she pays late having to dispute negative credit reportings. I still have home owners insurance being bought on my behalf by bank. I'm still currently receiving billing statements every month when I already filled bankruptcy and my debt discharged. I think this is the most illegal thing I ever heard how bankruptcy court allowed a unuthorized 3rd party person to make payment arrangements on a debt that is not even legally theirs. \nI am once again asking PHH to stop and cease all payments and actions under my name. If they don't, I'm going to be searching for an attorney to bring a lawsuit so great against the bank and bankruptcy court for violation of my rights to privacy of my personal information and violation of my own bankruptcy. This is plan ridiculous!","date_sent_to_company":"2019-11-13T20:48:35.000Z","issue":"Closing on a mortgage","sub_product":"Conventional home mortgage","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"3437456","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Ocwen Financial Corporation","date_received":"2019-11-13T19:40:28.000Z","state":"CA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["I <em>have</em> a mortgage loan with PHH Mortgage Loan # XXXX. I recently filed a consumer <em>protection</em> complaint against them under case # XXXX-XXXX and they responded XX/XX/XXXX. The issue with them is continuing to collect mortgage payments under my name by an unauthorized 3rd party who filed <em>bankruptcy</em> chapter XXXX on my debt lying to <em>bankruptcy</em> <em>court</em> listing debt as her own ( Ms. XXXX XXXX ) when the debt is solely mines."]},"sort":[14.026493,"3437456"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":147,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":147}]}},"product":{"doc_count":147,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Mortgage","doc_count":52,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Conventional home mortgage","doc_count":26},{"key":"FHA mortgage","doc_count":15},{"key":"Home equity loan or line of credit (HELOC)","doc_count":3},{"key":"Other type of mortgage","doc_count":3},{"key":"Conventional fixed 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