{"took":284,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":4925,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"4541051","_score":19.253502,"_source":{"product":"Mortgage","complaint_what_happened":"My mortgage company Nationstar ( Also known as Mr. Cooper ) settled with CFPB for around {$91.00} XXXX dollars this past XXXX, 2020 to resolve wrongdoing mortgage complaints against them. To date, I have not received any letters or notifications from them about the settlement even though I have written letters of complaints about them and to them in the past about unexplained and unverified penalties they have placed on my mortgage loan that I am still paying for due to their accusations of non-payment when my loan was serviced by Aurora Loan Services before they went under.","date_sent_to_company":"2021-07-13T11:14:01.000Z","issue":"Applying for a mortgage or refinancing an existing mortgage","sub_product":"Conventional home mortgage","zip_code":"60615","tags":null,"has_narrative":true,"complaint_id":"4541051","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Mr. Cooper Group Inc.","date_received":"2021-07-13T10:48:54.000Z","state":"IL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["To date, I have not received any letters or notifications from them <em>about</em> the settlement even though I have written letters of <em>complaints</em> <em>about</em> them and to them in the past <em>about</em> unexplained and unverified penalties they have placed on my <em>mortgage</em> <em>loan</em> that I am still paying for due to their accusations of non-payment when my <em>loan</em> was <em>serviced</em> by Aurora <em>Loan</em> <em>Services</em> before they went under."],"product":["<em>Mortgage</em>"],"issue":["Applying for a <em>mortgage</em> or refinancing an existing <em>mortgage</em>"],"sub_product":["Conventional home <em>mortgage</em>"]},"sort":[19.253502,"4541051"]},{"_index":"complaint-public-v1","_id":"3194345","_score":18.933851,"_source":{"product":"Mortgage","complaint_what_happened":"We have had our Mortgage through Citibank for about 13 years. We received notice from them, dated XX/XX/2019, on XX/XX/2019, informing us that our mortgage was being transferred to another company on XX/XX/2019. \nI know that selling off mortgages is a common practice, and although I'm not happy about them doing so, that is not my complaint. \nMy complaint is, 1 : that we had very little notice, less than 2 weeks, about the change. And 2 : the company that it is being sold to appears to have a horrible reputation regarding its servicing of mortgage loans. \nOnline, it appears that Citi has an average rating of about 3.5 stars, and the company they are selling my mortgage to has an average rating of 1.5 stars. Reading the reviews of the new company, it looks like the reviews are overrated, as many people state that they would give the company \" zero '' stars, if that were an option, but, it wasn't, so they gave 1 star. \nBut truly, my complaint is about the short notice of this transfer. When we originated the loan, we were led to believe Citi was capable of servicing, and planned to fully service the loan for it's lifetime, and that the loan transferring elsewhere, was not to be expected.","date_sent_to_company":"2019-03-28T20:10:10.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"84116","tags":null,"has_narrative":true,"complaint_id":"3194345","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2019-03-28T19:07:43.000Z","state":"UT","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":["But truly, my <em>complaint</em> is <em>about</em> the short notice of this transfer. When we originated the <em>loan</em>, we were led to believe Citi was capable of <em>servicing</em>, and planned to fully <em>service</em> the <em>loan</em> for it's lifetime, and that the <em>loan</em> transferring elsewhere, was not to be expected."],"product":["<em>Mortgage</em>"],"sub_product":["Conventional home <em>mortgage</em>"]},"sort":[18.933851,"3194345"]},{"_index":"complaint-public-v1","_id":"3273545","_score":18.798626,"_source":{"product":"Debt collection","complaint_what_happened":"Subject : Complaint To : Consumer Complaint Agent, Im writing this complaint to complete my previous complaint against XXXX XXXX. Let me make it clear this complaint is about Specialized Loan Servicing. My relationship with this mortgage servicing company began as a result of a previous relationship with XXXX XXXX. In XXXX of XXXX, XXXX XXXX transferred my slander mortgage, onto Specialized loan Servicing. XXXX XXXX had no legitimate interest in my mortgage. In XXXX, XXXX XXXX made some purchases that made it impossible for them to maintain its illegal claim to my Note. XXXX XXXX transferred my account to it subsidiary. Specialized Loan Servicing is a subsidiary of XXXX XXXX. Specialized Loan Servicing began calling me in XXXX. \nI asked the customer service representative ; What bank are you servicing this mortgage for? The agent informed me he was unable to disclose this information. He immediately went into telling me about how I had taken out a mortgage in XXXX. I asked him what that had to do with his call. The representative could never answer my questions about who the Note holder was. Specialized Loan Servicing called me day after day harassing me. Each time Specialized Loan Servicing called me, they refused to answer one very simple question, who are you servicing this loan for? \nIn XXXX my father died suddenly  after suffering a XXXX XXXX. I was constantly harassed by Specialized Loan Servicing. I told the agents to stop calling me. Specialized Loan Services never stopped calling, even after I told them I had filed a complaint with the DC Superior Court, they still wouldnt disclose who they were collecting for. Specialized loan Servicing began sending people to my house and my neighbors houses with little notes saying call your mortgage company. I have been harassed and bullied by this mortgage servicing company, who cant tell me who their providing the service for. XXXX XXXX illegally identified themselves as the Note hold on more than one occasion. It was this same type of bullying and harassment that got me entangled into a fraudulent mortgage with XXXX XXXX. XXXX XXXX transferred my non-existing illegal mortgage to its subsidiary attempting to bully me into another illegal contract. I want Specialized Loan Servicing to stop harassing me. I am seeking damages for the emotional trauma Specialized Loan Servicing has caused me. These people continued to call me day after day and refused to tell me why. I told them my father had died and I needed to help my sibling get his affair finalized. The calls from SIS keep coming and still no answers to my questions. The calls continued even after I filed with the court requesting an answer. I filed on XX/XX/XXXX, Specialized Loan Services continued to call and turned up the pressure by sending people to my home as well as the homes of my neighbors. Please keep in mind all the time they are calling and coming by they still have never responded to my question. Who is the holder of the Note you are servicing? Specialized Loan Servicing is not servicing a mortgage Note for any bank. Specialized Loan Servicing is a subsidiary of XXXX XXXX developed to maintain invalid fraudulent accounts established by XXXX XXXX. I have endured unimageable XXXX as a result of XXXX XXXX knock Off, Specialized Loan Servicing. Please use this information to help others who have not yet discovered the con.","date_sent_to_company":"2019-06-13T05:30:51.000Z","issue":"Attempts to collect debt not owed","sub_product":"Mortgage debt","zip_code":"20019","tags":null,"has_narrative":true,"complaint_id":"3273545","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Specialized Loan Servicing Holdings LLC","date_received":"2019-06-13T05:12:06.000Z","state":"DC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt was already discharged in bankruptcy and is no longer owed"},"highlight":{"complaint_what_happened":["Subject : <em>Complaint</em> To : Consumer <em>Complaint</em> Agent, Im writing this <em>complaint</em> to complete my previous <em>complaint</em> against XXXX XXXX. Let me make it clear this <em>complaint</em> is <em>about</em> Specialized <em>Loan</em> <em>Servicing</em>. My relationship with this <em>mortgage</em> <em>servicing</em> company began as a result of a previous relationship with XXXX XXXX. In XXXX of XXXX, XXXX XXXX transferred my slander <em>mortgage</em>, onto Specialized <em>loan</em> <em>Servicing</em>. XXXX XXXX had no legitimate interest in my <em>mortgage</em>."],"company":["Specialized <em>Loan</em> <em>Servicing</em> Holdings LLC"],"sub_product":["<em>Mortgage</em> debt"]},"sort":[18.798626,"3273545"]},{"_index":"complaint-public-v1","_id":"3353154","_score":18.640661,"_source":{"product":"Mortgage","complaint_what_happened":"The CFPB has been told false information about complaint # XXXX concerning the mortgage servicing department of Pentagon Federal Credit Union ( hereinafter, PenFed ). Additionally, the CFPB artificially collapsed two complaints, with distinct information, about this mortgage servicer into one.\n\nFirst, I am a member of PenFed and on three separate accounts with it, including the mortgage note on the mortgage in question on these complaints. Those accounts are accounts held with my husband, ( XXXX XXXX ). The account numbers are : XXXX, XXXX, XXXX During the closing on the mortgage loan, I was told that if I did not sign documents making me responsible for the mortgage note, the mortgage loan would not be provided. It was one of several last-minute irregularities on this loan that resulted in increased  costs and risks to us. I did sign the mortgage note, so PenFed should not be allowed now to ignore the complaint submitted on behalf of my husband and me because of this. Like so much else from this institution, the CFPB should not rely on PenFeds word that has been cited and instead it should directly investigate the complaint and review the mortgage note and other documents in question. It will find that the mortgage servicing department is guilty of all that is has been accused of in these complaints and that its response is a pretext to avoid detection of its abuses. \n\nThe fact that PenFed has willfully withheld critical information from the CFPB in response to these complaints and provided the kind of response it has indicates just how evasive it is, and demonstrates just why the CFPB needs to rely on its own investigation of the complaints and its own review of the legal documents, including the mortgage note, of this mortgage, rather than the false word of the institution and its badly managed mortgage servicing department.","date_sent_to_company":"2019-08-27T14:10:32.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"070XX","tags":null,"has_narrative":true,"complaint_id":"3353154","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PENTAGON FEDERAL CREDIT UNION","date_received":"2019-08-25T12:33:02.000Z","state":"NJ","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":["The CFPB has been told false information <em>about</em> <em>complaint</em> # XXXX concerning the <em>mortgage</em> <em>servicing</em> department of Pentagon Federal Credit Union ( hereinafter, PenFed ). Additionally, the CFPB artificially collapsed two <em>complaints</em>, with distinct information, <em>about</em> this <em>mortgage</em> <em>servicer</em> into one.\n\nFirst, I am a member of PenFed and on three separate accounts with it, including the <em>mortgage</em> note on the <em>mortgage</em> in question on these <em>complaints</em>."],"product":["<em>Mortgage</em>"],"sub_product":["Conventional home <em>mortgage</em>"]},"sort":[18.640661,"3353154"]},{"_index":"complaint-public-v1","_id":"1863413","_score":18.225487,"_source":{"product":"Mortgage","complaint_what_happened":"I disagree with the Ocwen Loan Servicing , LLC conclusion the denial of modification due to the \" Home Affordable Modification \" because I had reached the culmination or zenith of allowable modification ( s ) which was only one. Initially, and prior to my mortgage transfer from Litton Loan Servicing to Ocwen Loan Servicing , LLC ; I had never previously requested a modification on my mortgage but Litton Loan Servicing, on XXXX/XXXX/2007 arbitrarily and unsolicited extended to me a \" loan modification offer and expressed '' their ( Litton Loan Servicing ) \" hope that '' I \" take advantage of '' their \" generous offer today '' ( XXXX/XXXX/2007 ) However, Litton Loan Servicing did not release full disclosure on all components regarding the unsolicited modification such as the plaintiff XXXX XXXX XXXX XXXX XXXX only permitted XXXX loan modification. \nWhen the transfer of the mortgage loan from Litton Loan Servicing to Ocwen Loan Servicing , LLC without our knowledge, as completed, I applied for several loan modifications with Ocwen Servicing LLC. Interestingly, in the last several years, I always received modification applications but never a substantial answer of unambiguous acceptance of denial. I was never made clear to me about the number of available loan modification and I was never informed about the number of loan modifications despite XXXX that I received on XXXX/XXXX/2007. If, in fact, I was completely informed about the number of obtainable loan modification, then I could make a more educated and informative decision about the sustainability of my home. \nDue to the recent information regarding Ocwen Loan Servicing , LLC involvement in predatory loans \" the Consumer Financial Protection Bureau ( CFPB ), authorities in XXXX states, and the XXXX filed a proposed court order requiring the country 's largest nonbank mortgage loan servicer, Ocwen Financial Corporation, and its subsidiary, Ocwen Loan Servicing, to provide XXXX in principal reduction to underwater borrowers. The consent order addresses Ocwen 's systemic misconduct at every stage of the mortgage servicing process. Ocwen must also refund XXXX to the nearly XXXX borrowers who have already been foreclosed upon and it must adhere to significant new homeowner protections ... '' Deceptions and shortcuts in mortgage servicing will not be tolerated, '' said CFPB Director XXXX XXXX. \" Ocwen took advantage of borrowers at every stage of the process. Today 's action sends a clear message that we will be vigilant about making sure that consumers are treated with the respect, dignity, and fairness they deserve. \" ... Ocwen specializes in servicing subprime or delinquent loans and places a major emphasis on resolving delinquency through loss mitigation or foreclosure. In recent years, it has acquired competitors - including Homeward Residential Holdings LLC ( formerly American Home Mortgage Servicing Inc. ) and Litton Loan Servicing LP ... The CFPB and its partner states believe that Ocwen was engaged in significant and systemic misconduct that occurred at every stage of the mortgage servicing process. According to the complaint filed in the federal district court in the XXXX, Ocwen 's violations of consumer financial protections put thousands of people across the country at risk of losing their homes. Specifically, the complaint says that Ocwen ... \n1. Took advantage of homeowners with servicing shortcuts and unauthorized fees : Customers relied on Ocwen to, among other things, treat them fairly, give them accurate information, and appropriately charge for services. According to the complaint, Ocwen violated the law in a number of ways, including : Failing to timely and accurately apply payments made by borrowers and failing to maintain accurate account statements ; charging borr","date_sent_to_company":"2016-04-05T00:42:07.000Z","issue":"Loan modification,collection,foreclosure","sub_product":"Conventional fixed mortgage","zip_code":"19150","tags":null,"has_narrative":true,"complaint_id":"1863413","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Ocwen Financial Corporation","date_received":"2016-04-05T00:42:06.000Z","state":"PA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Initially, and prior to my <em>mortgage</em> transfer from Litton <em>Loan</em> <em>Servicing</em> to Ocwen <em>Loan</em> <em>Servicing</em> , LLC ; I had never previously requested a modification on my <em>mortgage</em> but Litton <em>Loan</em> <em>Servicing</em>, on XXXX/XXXX/2007 arbitrarily and unsolicited extended to me a \" <em>loan</em> modification offer and expressed '' their ( Litton <em>Loan</em> <em>Servicing</em> ) \" hope that '' I \" take advantage of '' their \" generous offer today '' ( XXXX/XXXX/2007 ) However, Litton <em>Loan</em> <em>Servicing</em> did not release full disclosure on all components"],"product":["<em>Mortgage</em>"],"issue":["<em>Loan</em> modification,collection,foreclosure"],"sub_product":["Conventional fixed <em>mortgage</em>"]},"sort":[18.225487,"1863413"]},{"_index":"complaint-public-v1","_id":"20606403","_score":18.077112,"_source":{"product":"Mortgage","complaint_what_happened":"I am filing a complaint against PHH Mortgage regarding what appears to be inaccurate and deceptive mortgage balance accounting after a servicing transfer from Ocwen to PHH. \n\nMy mortgage was previously serviced by Ocwen. In XXXX, Ocwen issued an IRS Form 1099-C for this mortgage loan, reporting cancellation of debt in the amount of {$230000.00} for the property located at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Years later, after servicing transferred from Ocwen to PHH in or about XX/XX/XXXX, that same debt amount appears to have been added back into my loan through a later loan modification, but the modification documents do not clearly disclose that a previously canceled/discharged amount was being reinstated. \n\nThe balance history reflects major unexplained increases. The reported mortgage balance was about {$300000.00} in XXXX, {$380000.00} in XXXX, {$610000.00} in XXXX, and {$700000.00} in XXXX. The current payoff is about {$700000.00}. These increases total hundreds of thousands of dollars.","date_sent_to_company":"2026-03-26T02:59:05.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"30066","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"20606403","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Ocwen Financial Corporation","date_received":"2026-03-26T01:51:36.000Z","state":"GA","company_public_response":null,"sub_issue":"Loan sold or transferred to another company"},"highlight":{"complaint_what_happened":["I am filing a <em>complaint</em> against PHH <em>Mortgage</em> regarding what appears to be inaccurate and deceptive <em>mortgage</em> balance accounting after a <em>servicing</em> transfer from Ocwen to PHH. \n\nMy <em>mortgage</em> was previously <em>serviced</em> by Ocwen."],"product":["<em>Mortgage</em>"],"sub_product":["Conventional home <em>mortgage</em>"],"sub_issue":["<em>Loan</em> sold or transferred to another company"]},"sort":[18.077112,"20606403"]},{"_index":"complaint-public-v1","_id":"3766424","_score":17.90347,"_source":{"product":"Mortgage","complaint_what_happened":"This complaint is about ( forced place insur ) XXXX insurance put on my mortgage paid bye my previous mortgage servicer XXXX XXXX XXXX \n\nXXXX XXXX XXXX notice to me saying they are no longer servicing the loan and that i will have a new servicing company S/N Servicing XXXX XXXX says that there are no changes to the loan except to mail it to the new company. \n\nXXXX New mortgage company starts charging me forced place insurance XXXX I ask S/N why are they taking out forced place insurance when there is a policy already in place, they would not respond back.","date_sent_to_company":"2020-08-11T16:08:27.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"23701","tags":null,"has_narrative":true,"complaint_id":"3766424","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SN SERVICING CORPORATION","date_received":"2020-07-27T23:59:21.000Z","state":"VA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["This <em>complaint</em> is <em>about</em> ( forced place insur ) XXXX insurance put on my <em>mortgage</em> paid bye my previous <em>mortgage</em> <em>servicer</em> XXXX XXXX XXXX \n\nXXXX XXXX XXXX notice to me saying they are no longer <em>servicing</em> the <em>loan</em> and that i will have a new <em>servicing</em> company S/N <em>Servicing</em> XXXX XXXX says that there are no changes to the <em>loan</em> except to mail it to the new company."],"product":["<em>Mortgage</em>"],"company":["SN <em>SERVICING</em> CORPORATION"],"sub_product":["Conventional home <em>mortgage</em>"]},"sort":[17.90347,"3766424"]},{"_index":"complaint-public-v1","_id":"18852590","_score":17.864796,"_source":{"product":"Mortgage","complaint_what_happened":"Complaint Summary/ What Happened I am submitting this complaint regarding improper mortgage servicing, disputed enforcement authority, and unauthorized billing activity involving multiple mortgage entities, including XXXX ( original lender ), XXXX  XXXX XXXX, Rocket Mortgage, and XXXX  XXXX XXXX XXXX XXXX XXXX \n\nI executed a promissory note on or about XX/XX/year>, with XXXX, loan number XXXX. \n\nFollowing origination, XXXX  XXXX XXXX acted as the servicer for this same loan number ( XXXX ). Subsequently, without clear explanation or proper notice, billing activity emerged from Rocket Mortgage under a different loan number ( XXXX ), with servicing attributed to XXXX  XXXX  XXXX XXXX XXXX XXXX \n\nI have never entered into a lending contract with Rocket Mortgage, and Rocket Mortgage previously denied me credit when I applied for a mortgage, making its later appearance as a billing party particularly concerning.\n\nSpecific Issues and Concerns Multiple servicing transfers appear to have occurred ( XXXX XXXX  Rocket XXXX  ) without proper, consistent, or verifiable notices I did not receive clear or timely Notices of Transfer of Servicing for each transfer, as required by federal law A new loan number was introduced without reconciliation to the original XXXX note None of the entities have clearly identified the current owner of the promissory note Billing and potential credit reporting appear to be occurring without verified standing or enforcement authority Conflicting servicing records raise concerns about misapplied payments, inaccurate balances, and unreliable data transfers Steps I Have Taken Sent a Qualified Written Request ( QWR ) to Rocket Mortgage and XXXX XXXX XXXX  demanding proof of standing, servicing authority, and chain of title Sent a written demand to XXXX requesting confirmation of assignment, transfer, or satisfaction of the promissory note Requested documentation reconciling all loan numbers and servicing records Attempted to clarify the role of XXXX  XXXX XXXX, which previously serviced the original loan As of this complaint, the matter remains unresolved. \n\nWhat I Am Requesting I respectfully request that the CFPB require the respondents to : Identify the current lawful owner of the promissory note Produce documentary proof of standing and enforcement authority Provide a complete and accurate servicing transfer history, including XXXX  XXXX XXXX  ReconcXXXXle all loan numbers with the original note Correct or cease any billing or reporting activity until lawful authority is established","date_sent_to_company":"2026-03-09T18:28:49.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"483XX","tags":"Servicemember","has_narrative":true,"complaint_id":"18852590","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Rocket Mortgage, LLC","date_received":"2026-01-20T09:03:42.000Z","state":"MI","company_public_response":null,"sub_issue":"Loan sold or transferred to another company"},"highlight":{"complaint_what_happened":["<em>Complaint</em> Summary/ What Happened I am submitting this <em>complaint</em> regarding improper <em>mortgage</em> <em>servicing</em>, disputed enforcement authority, and unauthorized billing activity involving multiple <em>mortgage</em> entities, including XXXX ( original lender ), XXXX  XXXX XXXX, Rocket <em>Mortgage</em>, and XXXX  XXXX XXXX XXXX XXXX XXXX \n\nI executed a promissory note on or <em>about</em> XX/XX/year>, with XXXX, <em>loan</em> number XXXX. \n\nFollowing origination, XXXX  XXXX XXXX acted as the <em>servicer</em> for this same <em>loan</em> number ( XXXX )."],"product":["<em>Mortgage</em>"],"company":["Rocket <em>Mortgage</em>, LLC"],"sub_product":["Conventional home <em>mortgage</em>"],"sub_issue":["<em>Loan</em> sold or transferred to another company"]},"sort":[17.864796,"18852590"]},{"_index":"complaint-public-v1","_id":"5302996","_score":17.847897,"_source":{"product":"Mortgage","complaint_what_happened":"I already have a complaint in for LoanCare Services Mortgage company, but I need to put this complaint in because this company is just a nightmare to deal with. This mortgage company does not work with you or tell you things about your mortgage that you need to know. It also holds your mortgage hostage, what I mean by that is if you go into foreclosure or they want to start the process they send your mortgage to their lawyer and once that happens LoanCare Services no longer will give you information, even when the company says they are. Prime example, I had to sell my home because of the difficulties this company has provided to myself and my ex-husband, and so with selling on my home so I can pay off the mortgage LoanCare Services has on it I was not able nor was my realtor able to get a payoff of the current mortgage owed. Several request were place with LoanCare services to provide this information so they would be paid, but they refused to give it to myself, my ex-husband or the realtor. It was a circle with them, the company said we will give you the payoff we have to request it, days go by and nothing, but when you call them they don't tell you they aren't going to give you the payoff LoanCare Services just closes the request without telling the client and goes about their business. This was costing me the sale of my home, which I wouldn't of had to do if they would of helped me and honored that I didn't need my ex-husband to sign on the modification to help lower the mortgage. Also since not paying it, the escrow was never short, which was amazing to me that when I was paying it my escrow was always short..ALWAYS, but when LoanCare had to paXXXX my taxes on my behalf it was never short. AMAZING. With my mortgage being a federal government backing you would think LoanCare Services would be held accountable for their actions. This has cost me fees, time and mental anguish along with problems with my ex spouse and my children for loosing their childhood home because I couldn't fight this big Mortgage company or hire an attorney to fight for me. I contacted two lawyers and one was actually fighting LoanCare services for a client similar to my situation, with my ex-husband off the mortgage so I can do what needed to be done without involving him and that client also behind on mortgage payments fighting with LoanCare Services. There should be more ways for clients to help fight mortgage companies like LoanCare Services. Anyone that talks to me about this company I will tell them to contact Consumer Financial Protection because this company should be held accountable. All the pain that this company has caused my family should be addressed and compensated but because I am just a single mom it won't be address and I will be shooed away like a fly.","date_sent_to_company":"2022-03-09T16:14:13.000Z","issue":"Struggling to pay mortgage","sub_product":"Other type of mortgage","zip_code":"080XX","tags":null,"has_narrative":true,"complaint_id":"5302996","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LoanCare, LLC","date_received":"2022-03-09T15:07:19.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["I already have a <em>complaint</em> in for <em>Loan</em>Care <em>Services</em> <em>Mortgage</em> company, but I need to put this <em>complaint</em> in because this company is just a nightmare to deal with. This <em>mortgage</em> company does not work with you or tell you things <em>about</em> your <em>mortgage</em> that you need to know."],"product":["<em>Mortgage</em>"],"issue":["Struggling to pay <em>mortgage</em>"],"company":["<em>Loan</em>Care, LLC"],"sub_product":["Other type of <em>mortgage</em>"]},"sort":[17.847897,"5302996"]},{"_index":"complaint-public-v1","_id":"10719837","_score":17.812128,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"My credit reports never showed my mortgage ( transferred/purchased XX/XX/XXXX ). The original lender was Gateway Mortgage. I filed a bankruptcy in about XXXX. I filed a reaffirmation agreement with the court and Gateway Mortgage. \n\nOn XX/XX/XXXX I called the Gateway customer service line and was transferred to another department dealing with credit reporting. I was told that they would not do anything about my complaint until I contacted all the major credit reporting bureaus and filed a complaint with them. \n\nI contacted CFPB and attached the reaffirmation agreement. ( FYI, the other mortgage companies which serviced my loan gave me instructions on how to file the complaint with their company and said they would then research it and take care of the results )","date_sent_to_company":"2024-11-06T15:28:56.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"766XX","tags":null,"has_narrative":true,"complaint_id":"10719837","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"GATEWAY FIRST BANK","date_received":"2024-11-06T14:57:08.000Z","state":"TX","company_public_response":null,"sub_issue":"Information is missing that should be on the report"},"highlight":{"complaint_what_happened":["I was told that they would not do anything <em>about</em> my <em>complaint</em> until I contacted all the major credit reporting bureaus and filed a <em>complaint</em> with them. \n\nI contacted CFPB and attached the reaffirmation agreement. ( FYI, the other <em>mortgage</em> companies which <em>serviced</em> my <em>loan</em> gave me instructions on how to file the <em>complaint</em> with their company and said they would then research it and take care of the results )"]},"sort":[17.812128,"10719837"]},{"_index":"complaint-public-v1","_id":"5985721","_score":17.76456,"_source":{"product":"Mortgage","complaint_what_happened":"This is a complaint about SLS Specialized Loan Servicing Inc. \nServicing my loan. \nThe letter theyve sent said my XXXX XXXX due to 6 years later I can get up to XXXX dollars credited to my outstanding principal. They sent a letter saying I can recast my loan. \nNow they say I need to pay {$5000.00} to apply for this? I dont get it? \nThe XXXX program was supposed to give me help thru the sevicer I want to file a complaint about Specialized Loan Inc. located in Colorado that Services my mortgage. \nPlease read the attached document they sent me.","date_sent_to_company":"2022-10-12T13:49:59.000Z","issue":"Trouble during payment process","sub_product":"Other type of mortgage","zip_code":"117XX","tags":"Older American","has_narrative":true,"complaint_id":"5985721","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Specialized Loan Servicing Holdings LLC","date_received":"2022-09-15T21:07:20.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["This is a <em>complaint</em> <em>about</em> SLS Specialized <em>Loan</em> <em>Servicing</em> Inc. \n<em>Servicing</em> my <em>loan</em>. \nThe letter theyve sent said my XXXX XXXX due to 6 years later I can get up to XXXX dollars credited to my outstanding principal. They sent a letter saying I can recast my <em>loan</em>. \nNow they say I need to pay {$5000.00} to apply for this? I dont get it? \nThe XXXX program was supposed to give me help thru the sevicer I want to file a <em>complaint</em> <em>about</em> Specialized <em>Loan</em> Inc. located in Colorado that <em>Services</em> my <em>mortgage</em>."],"product":["<em>Mortgage</em>"],"company":["Specialized <em>Loan</em> <em>Servicing</em> Holdings LLC"],"sub_product":["Other type of <em>mortgage</em>"]},"sort":[17.76456,"5985721"]},{"_index":"complaint-public-v1","_id":"3858669","_score":17.68029,"_source":{"product":"Mortgage","complaint_what_happened":"We were in negotiations with XXXX XXXX  in XX/XX/2020 and advised the current mortgage holder Specialized Loan Services about a possible delay in closing past the end date of the mortgage which will end in XXXX 2020. They advised to continue sending payments as usual until closing on the new loan. This was from multiple service desks employees. We documented everything. Loan Services in XXXX returned our payment and placed a delinquency on our credit score which ended our ability to refinance with XXXX XXXX  or any other bank. \nWe have spoken to many contacts with Loan Services but have had no resolution as of yet. We asked for a XXXX to extend the loan, they said they can not due since the mortgage end date has passed. Loan Services also can not refinance in Massachusetts since they have no license to so in our state. \nXXXX will refinance if our credit score is corrected. We obviously have never been late on this mortgage and are asking for a removal of the delinquency from our Credit on all three agency 's so we can refinance our home. We received a denial letter just today with only one note : Behind or delinquent history. Losing our home will be devastating and would place an Adult with XXXX XXXX  and a XXXX  service member out of their home during COVID along with XXXX other adults. \nThis is the second time we filed a complaint about Specialized Loan Services.","date_sent_to_company":"2020-09-25T20:15:44.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"023XX","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"3858669","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Specialized Loan Servicing Holdings LLC","date_received":"2020-09-21T17:20:07.000Z","state":"MA","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":["This is the second time we filed a <em>complaint</em> <em>about</em> Specialized <em>Loan</em> <em>Services</em>."],"product":["<em>Mortgage</em>"],"company":["Specialized <em>Loan</em> <em>Servicing</em> Holdings LLC"],"sub_product":["Conventional home <em>mortgage</em>"]},"sort":[17.68029,"3858669"]},{"_index":"complaint-public-v1","_id":"6213812","_score":17.645979,"_source":{"product":"Mortgage","complaint_what_happened":"RoundPoint Mortgage is the loan servicer for my mortgage. On XXXX my mortgage payment was not automatically deducted from my bank account as it usually is so I was concerned something was wrong. I checked online and my account said my lon was paid off when clearly I did not pay it off. I contacted RoundPoint and they said that my loan was going to get sold to another bank XXXXXXXX XXXX XXXX but that the deal fell through so they would fix it. However, in the process I learned they had my address wrong ( this is my biggest complaint ). They incorrectly inputted my address using half of my old address and half of my new address. Today I learned that the sale did go through to another servicer. \n\nThis caused me to not to be able to receive any notification from RoundPoint about my loan change and also recieve information from my new loan servicer about my new account. As a result I could have went into foreclosure due to this issue because no payments on my loan would have been made unless I actively pursued the issue. \n\nIts resolved now but my complaint is incredibly poor service from RoundPoint that if happened to another person may have resulted in an improper foreclosure or default.","date_sent_to_company":"2022-11-17T14:14:05.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"11746","tags":null,"has_narrative":true,"complaint_id":"6213812","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"RoundPoint Mortgage Servicing LLC","date_received":"2022-11-17T14:00:35.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["However, in the process I learned they had my address wrong ( this is my biggest <em>complaint</em> ). They incorrectly inputted my address using half of my old address and half of my new address. Today I learned that the sale did go through to another <em>servicer</em>. \n\nThis caused me to not to be able to receive any notification from RoundPoint <em>about</em> my <em>loan</em> change and also recieve information from my new <em>loan</em> <em>servicer</em> <em>about</em> my new account."],"product":["<em>Mortgage</em>"],"company":["RoundPoint <em>Mortgage</em> <em>Servicing</em> LLC"],"sub_product":["Conventional home <em>mortgage</em>"]},"sort":[17.645979,"6213812"]},{"_index":"complaint-public-v1","_id":"7047645","_score":17.63583,"_source":{"product":"Mortgage","complaint_what_happened":"HERE 'S THE PROBLEM : Rocket Mortgage has sold the servicing of my loan in spite of declaring on my CFPB Loan Estimate form that they intended to service my loan. \n\nEVENTS : On XXXX XX/XX/2023, I received and email from Rocket Mortgage notifying me that my loan servicing was being sold to XXXX. M On XXXX XX/XX/2023, I called Rocket Mortgage, and submitted a copy of my CFPB Loan Estimate that Rocket Mortgage generated for me when I was refinancing. \n\nThe CFPB Loan Estimate shows the same Loan ID # as my mortgage. \nAt the end of page # 3, the CFPB prompts the loan originator to select 1 of 2 intentions for servicing the loan. The options short and concise. They are : 1. \" We intend to service your loan. If so, you will make your payments to us. '' 2. \" We intend to transfer servicing of your loan '' Rocket Mortgage selected option # 1. \n\nI confirmed this intent back when I was refinancing. I ALSO confirmed this on the original note, when I selected Rocket Mortgage as my loan originator over a competitor who did not intend to stay on as a loan servicer. I valued continuity and have heard about disorganized transfers of servicing, so I chose ( and chose again! ) to work with Rocket Mortgage. \n\nOn XXXX XX/XX/2023, Rocket Mortgage had someone from their XXXX XXXX call me back. I stated very clearly that I wanted to stay a servicing customer of Rocket Mortgage and that I did not consent to the transfer-of-servicing. I was told it was happening anyway. I asked if they would ask XXXX to reverse the transfer. The representative said they could not. The representative offered that they would share my complaint with others to initiate a potential review of how this section is filled out for other customers, in the future.","date_sent_to_company":"2023-05-30T20:19:27.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"02149","tags":null,"has_narrative":true,"complaint_id":"7047645","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Rocket Mortgage, LLC","date_received":"2023-05-30T19:35:13.000Z","state":"MA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I ALSO confirmed this on the original note, when I selected Rocket <em>Mortgage</em> as my <em>loan</em> originator over a competitor who did not intend to stay on as a <em>loan</em> <em>servicer</em>. I valued continuity and have heard <em>about</em> disorganized transfers of <em>servicing</em>, so I chose ( and chose again! ) to work with Rocket <em>Mortgage</em>. \n\nOn XXXX XX/XX/2023, Rocket <em>Mortgage</em> had someone from their XXXX XXXX call me back."],"product":["<em>Mortgage</em>"],"company":["Rocket <em>Mortgage</em>, LLC"],"sub_product":["Conventional home <em>mortgage</em>"]},"sort":[17.63583,"7047645"]},{"_index":"complaint-public-v1","_id":"5862168","_score":17.634039,"_source":{"product":"Mortgage","complaint_what_happened":"My home was purchased with 11 % down payment in XX/XX/XXXX. In XX/XX/XXXX, I tried to have the PMI removed as my home value had risen significantly, first due to some improvements and updates I made to it and secondly due to the general rise in home prices. Because I had refinanced ( XXXX XXXX  was Investor ) in XX/XX/XXXX, the servicer said that I still had to wait for the loan to be seasoned for 24 months even though I sent a check for the re-valuation of the property. \n\nEarly XXXXXXXX the servicing company changed from XXXXXXXX XXXX to Freedom Mortgage. I waited until after 24 months had passed and in XX/XX/XXXX, I contacted the new servicer to have the PMI removed as by now my property LTV was about 66 % by conservative estimates. \n\nThe servicer, Freedom Mortgage told me in written and on a call that the PMI could only be removed if I paid down the mortgage per the directive of the loan Investor. I informed them that I chose that particular loan because I knew for a fact that it was a loan that I could remove the PMI after the threshold was met. I asked the representatives from Freedom Mortgage if they could give me or show me the process for removing the PMI, and they said I should send about {$29000.00} to them to pay down the mortgage, that it was the only way to remove the PMI. I told them that was not true and that I was going to file a complaint with the CFPB as well as formally appeal their decision, which had no valid basis. I further told them that I hoped my complaint at a minimum will help regulators to force loan services to publish information on criteria and steps to be taken by borrowers who want to remove the PMI from their loans.","date_sent_to_company":"2022-08-10T14:20:11.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"94521","tags":null,"has_narrative":true,"complaint_id":"5862168","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Freedom Mortgage Company","date_received":"2022-08-10T13:45:31.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["I further told them that I hoped my <em>complaint</em> at a minimum will help regulators to force <em>loan</em> <em>services</em> to publish information on criteria and steps to be taken by borrowers who want to remove the PMI from their <em>loans</em>."],"product":["<em>Mortgage</em>"],"company":["Freedom <em>Mortgage</em> Company"],"sub_product":["Conventional home <em>mortgage</em>"]},"sort":[17.634039,"5862168"]},{"_index":"complaint-public-v1","_id":"5943391","_score":17.626408,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have filed one complaint already about Specialized Loan Servicing ( SLS ) and the fact the the mortgage was paid off. Once again, SLS has put the loan amount back on my credit which has since lowered my credit score again!!! SLS needs to remove the paid mortgage off of my credit with XXXX because they are showing the mortgage has an open balance!!!","date_sent_to_company":"2022-09-03T00:53:35.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"85335","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"5943391","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Specialized Loan Servicing Holdings LLC","date_received":"2022-09-03T00:45:16.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I have filed one <em>complaint</em> already <em>about</em> Specialized <em>Loan</em> <em>Servicing</em> ( SLS ) and the fact the the <em>mortgage</em> was paid off. Once again, SLS has put the <em>loan</em> amount back on my credit which has since lowered my credit score again!!! SLS needs to remove the paid <em>mortgage</em> off of my credit with XXXX because they are showing the <em>mortgage</em> has an open balance!!!"],"company":["Specialized <em>Loan</em> <em>Servicing</em> Holdings LLC"]},"sort":[17.626408,"5943391"]},{"_index":"complaint-public-v1","_id":"14124345","_score":17.532652,"_source":{"product":"Mortgage","complaint_what_happened":"CONSUMER FINANCIAL PROTECTION BUREAU COMPLAINT Consumer : XXXX XXXX XXXX XXXX XXXX Company : Wells Fargo Bank , N.A . Product : Mortgage Issue : Struggling to pay mortgage / Problems with mortgage servicing Account : Ending in XXXX Complaint : I am filing this complaint regarding Wells Fargo 's contradictory statements about mortgage record availability and their refusal to provide documentation required under federal law. \n\nBackground : My mortgage loan was paid off in XXXX. I have been seeking documentation about loan servicing decisions made between XXXX, including information about loan modifications, payment assistance programs, and errors Wells Fargo acknowledged occurred with my account. \n\nThe Problem - Contradictory Record Claims : 1. XX/XX/XXXX Letter : Wells Fargo claimed they \" no longer have records to validate what transpired with your account '' and stated my loan had been \" purged from our system of records '' due to an \" allotted seven year time frame. '' 2. XX/XX/XXXX Letter Wells Fargo now admits they \" inadvertently advised you that we no longer had records of your account '' and confirms they \" do have records of your account. '' This contradiction spans only three months and directly impacts my ability to obtain information I'm entitled to under RESPA and TILA. \n\nSpecific Issues : - Wells Fargo refuses to provide a complete audit of account decisions ( XXXX ) - They claim affordable loan program guidelines are \" proprietary '' when applied to my specific case- They initially denied having records, then admitted records exist but now want ME to provide THEM with information they should already possess - They acknowledged errors in my loan modification and provided compensation, but refuse to explain how compensation was calculated * * What I'm Seeking : * * 1. Complete mortgage servicing records ( XXXX ) 2. Documentation of all payment assistance applications and decisions 3. Records of loan modification processes and approvals 4. Complete documentation of errors identified and remediation provided 5. Explanation of how affordable loan program guidelines were applied to my account Legal Basis : Under RESPA Section 6, I have the right to request information about my mortgage loan servicing. Wells Fargo 's contradictory statements about record availability and their refusal to provide complete documentation appears to violate federal requirements for mortgage servicer transparency. \n\nImpact : Wells Fargo 's contradictory responses and refusal to provide complete documentation prevents me from understanding what occurred with my mortgage and whether I received proper treatment under federal lending programs. \n\nI request that the CFPB direct Wells Fargo to provide complete documentation and explain why they initially claimed records didn't exist when they now admit records are available. \n\nSupporting Documents : Copies of Wells Fargo letters dated XX/XX/XXXX and XX/XX/XXXX showing contradictory claims about record availability upon request","date_sent_to_company":"2025-06-23T17:11:17.000Z","issue":"Struggling to pay mortgage","sub_product":"Other type of mortgage","zip_code":"90274","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"14124345","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2025-06-17T23:14:31.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure"},"highlight":{"complaint_what_happened":["CONSUMER FINANCIAL PROTECTION BUREAU <em>COMPLAINT</em> Consumer : XXXX XXXX XXXX XXXX XXXX Company : Wells Fargo Bank , N.A . Product : <em>Mortgage</em> Issue : Struggling to pay <em>mortgage</em> / Problems with <em>mortgage</em> <em>servicing</em> Account : Ending in XXXX <em>Complaint</em> : I am filing this <em>complaint</em> regarding Wells Fargo 's contradictory statements <em>about</em> <em>mortgage</em> record availability and their refusal to provide documentation required under federal law. \n\nBackground : My <em>mortgage</em> <em>loan</em> was paid off in XXXX."],"product":["<em>Mortgage</em>"],"issue":["Struggling to pay <em>mortgage</em>"],"sub_product":["Other type of <em>mortgage</em>"]},"sort":[17.532652,"14124345"]},{"_index":"complaint-public-v1","_id":"3467624","_score":17.529812,"_source":{"product":"Mortgage","complaint_what_happened":"This complaint is about LoanCare loan servicing. The mortgage holder, my mom, passed away in XXXX of 2018. I am the owner of the house through a beneficiary deed process. The mortgage servicing changed from XXXX to to XXXX to LoanCare. LoanCare, wont discuss the mortgage with me to make payments. I have made all payments as required on time. When I make bill pay payments, they apply extra money to the following month 's payment, and not towards principal balance reduction ; therefore, charging more interest on the mortgage. I am required to call in to make a payment in order to make a principal reduction, and when I call in to make a payment with principal reduction, they want to charge a {$15.00} service fee to make a phone payment when the payment is not late. I have no other way to make principal reduction payments without being charged to make the payment. This is unethical servicing, and billing practices.","date_sent_to_company":"2019-12-13T19:56:43.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"85016","tags":null,"has_narrative":true,"complaint_id":"3467624","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LoanCare, LLC","date_received":"2019-12-13T19:44:39.000Z","state":"AZ","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":["This <em>complaint</em> is <em>about</em> <em>Loan</em>Care <em>loan</em> <em>servicing</em>. The <em>mortgage</em> holder, my mom, passed away in XXXX of 2018. I am the owner of the house through a beneficiary deed process. The <em>mortgage</em> <em>servicing</em> changed from XXXX to to XXXX to <em>Loan</em>Care. <em>Loan</em>Care, wont discuss the <em>mortgage</em> with me to make payments. I have made all payments as required on time."],"product":["<em>Mortgage</em>"],"company":["<em>Loan</em>Care, LLC"],"sub_product":["Conventional home <em>mortgage</em>"]},"sort":[17.529812,"3467624"]},{"_index":"complaint-public-v1","_id":"21574053","_score":17.514404,"_source":{"product":"Mortgage","complaint_what_happened":"I have previously submitted complaints regarding XXXX XXXX as the servicer of my mortgage. I am submitting this additional complaint to clarify and connect ongoing concerns involving both XXXX XXXX and Lakeview Loan Servicing LLC, which are associated with my mortgage account. \n\nI recently received a class action settlement notice related to Lakeview Loan Servicing LLC, raising concerns about potential data security or servicing-related issues. This is particularly concerning in light of my prior complaints involving XXXX XXXX. \n\nDuring this same period, I have experienced significant financial hardship, including a sudden and substantial increase in utility costs tied to a suspected infrastructure issue, as well as a loss of household income. These overlapping issues have placed my household at risk of housing instability. \n\nI am also being approached by a third-party investor attempting to have me sign over the deed to my home while keeping the mortgage in my name, which raises concerns about potential predatory practices during a time of financial vulnerability. \n\nI am also the primary caregiver for my elderly mother, who is the surviving spouse of a veteran, and maintaining stable housing is critical to her care and well-being. \n\nI am requesting that the CFPB review my mortgage account holistically, including the roles of both XXXX XXXX and Lakeview Loan Servicing LLC, to determine whether there are any servicing irregularities, data security concerns, or consumer protection violations contributing to my current situation. \n\nI am requesting prompt review and guidance to ensure I am protected from further harm.","date_sent_to_company":"2026-04-24T18:00:56.000Z","issue":"Struggling to pay mortgage","sub_product":"FHA mortgage","zip_code":"76148","tags":"Servicemember","has_narrative":true,"complaint_id":"21574053","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LAKEVIEW LOAN SERVICING, LLC","date_received":"2026-04-24T17:39:38.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu"},"highlight":{"complaint_what_happened":["I have previously submitted <em>complaints</em> regarding XXXX XXXX as the <em>servicer</em> of my <em>mortgage</em>. I am submitting this additional <em>complaint</em> to clarify and connect ongoing concerns involving both XXXX XXXX and Lakeview <em>Loan</em> <em>Servicing</em> LLC, which are associated with my <em>mortgage</em> account. \n\nI recently received a class action settlement notice related to Lakeview <em>Loan</em> <em>Servicing</em> LLC, raising concerns <em>about</em> potential data security or <em>servicing</em>-related issues."],"product":["<em>Mortgage</em>"],"issue":["Struggling to pay <em>mortgage</em>"],"company":["LAKEVIEW <em>LOAN</em> <em>SERVICING</em>, LLC"],"sub_product":["FHA <em>mortgage</em>"]},"sort":[17.514404,"21574053"]},{"_index":"complaint-public-v1","_id":"3512152","_score":17.460203,"_source":{"product":"Mortgage","complaint_what_happened":"This complaint is a follow up to complaint XXXX-XXXX, which was responded to by XXXX XXXX XXXX. XXXX XXXX XXXX responded they do not own or service my mortgage and directed me back to JG Wentworth. At the advice of your representatives, I am now filing two additional complaints ( the first one was filed moments ago against JG Wentworth, complaint XXXX-XXXX ). \nUntil XX/XX/XXXX, my loan was being serviced by XXXX. I received a letter from XXXX dated XX/XX/XXXX ( see attached ) stating as of XX/XX/XXXX our loan would transfer to J.G. Wentworth Home Lending and I would receive information directly from them about the processing of my mortgage payments. \n\nAs of XX/XX/XXXX I had not heard from J.G. Wentworth. I began calling their offices, citing the letter from XXXX. On or about XX/XX/XXXX I was escalated to a supervisor who informed me that my loan was sold again ( before any processing at J.G. Wentworth ) to XXXX XXXX XXXX  and I would receive additional information from them. \n\nOn or about XX/XX/XXXX I began calling XXXX XXXX XXXX to locate my mortgage loan. I was advised repeatedly they would send a letter. I called XXXX XXXX XXXX  weekly, seeking information on where to send my payment or how to proceed. I was told they did not have the loan and not to worry, there would be no late fees or issues once they did have the loan. \n\nOn or about XX/XX/XXXX I received a letter from XXXX XXXX XXXX  ( see attached ) acknowledging my mortgage and providing an old loan number as well as a new loan number. The letter stated XXXX XXXX XXXX would begin subservice on my mortgage under contractual agreement on XX/XX/XXXX. I called them and was advised it would take 10 business days for the loan to be entered. They provided a website I could check and that would allow me to set up my online account. I was also advised no payments were due at the time because they were unable to process them and I was still covered under the transfer window. \n\nI called XXXX XXXX XXXX 9 times between XX/XX/XXXX and XX/XX/XXXX, spoke to three supervisors ( two of which escalated and someone was suppose to call me back in 24 hours ), and checked the website at least 3 times a week. My last call was to a supervisor who advised she couldnt understand what was going on. \n\nOn or about XX/XX/XXXX I submitted a complaint against XXXX XXXX XXXX with the Consumer Finance Protection Bureau. I then received a letter dated XX/XX/XXXX ( see attached ) retracting their previous letter of XX/XX/XXXX and advising my current loan servicer is J.G.Wentworth. \n\nOn XX/XX/XXXX, I called the CFPB and received additional counseling to contact MERS Servicer ID to locate the servicer information listed for my loan ( see attached ). Per that system, XXXX XXXX XXXX  is listed as the servicer ( and is still listed as of the date of preparing this complaint ). On XX/XX/XXXX, I called the number listed on the registration and was directed to XXXX, the Servicing Manager of  XXXX XXXX XXXX. I was informed he was aware of my situation and that XXXX XXXX XXXX was in the process of requiring the necessary information from JG Wentworth for the servicing of my loan. I was advised he hoped for this to be completed by the end of that week, but we would touch base on or about XX/XX/XXXX to check on the progress. \n\nOn XX/XX/XXXX I called XXXX back and was advised they did not have the loan and from the information he had, the loan would be serviced by Freedom Mortgage. He also provided me with the phone number for Freedom Mortgage. He advised if he received any more information he would contact me and let me know. \n\nOn XX/XX/XXXX I received letter from XXXX XXXX XXXX in direct response to my CFPB complaint ( see attached ). They again state JG Wentworth is the current servicer of my loan. With the number XXXX provided, I called Freedom mortgage and spoke to XXXX ( ID XXXX ). She searched via my SSN and the property address and could not locate my loan. I then called JG Wentworth twice - both times I was advised that despite the letter, they do not have a home mortgage department and all inquiries should be directed to Freedom Mortgage. \n\nOn or about XX/XX/XXXX I received a letter from XXXX XXXX, Escalations Analyst at XXXX XXXX XXXX ( see attached ). This letter again directed me to contact JG Wentworth at another number listed from the one I had located in previous notices. This line rings directly to a voicemail box. I left a message on XX/XX/XXXX and again on XX/XX/XXXX I have not received any response back. \n\nTo date ( despite paying into the escrow to cover these charges ) I have had to pay my house insurance premium and my property taxes totaling {$2100.00} out of pocket. My mortgage has now not been paid in 4 months because the account can not be located. \n\nThe only lien listed with our county tax accessors office is held by JG Wentworth ( if they continue to deny owning the loan, I would like for them to release the lien to my property ). I have checked my credit number times, only two mortgages appear one account from JG Wentworth and a corresponding account with XXXX. Both of those accounts show as paid in full.","date_sent_to_company":"2020-01-28T23:55:20.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"360XX","tags":null,"has_narrative":true,"complaint_id":"3512152","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Freedom Mortgage Company","date_received":"2020-01-28T23:44:08.000Z","state":"AL","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":["This <em>complaint</em> is a follow up to <em>complaint</em> XXXX-XXXX, which was responded to by XXXX XXXX XXXX. XXXX XXXX XXXX responded they do not own or <em>service</em> my <em>mortgage</em> and directed me back to JG Wentworth. At the advice of your representatives, I am now filing two additional <em>complaints</em> ( the first one was filed moments ago against JG Wentworth, <em>complaint</em> XXXX-XXXX ). \nUntil XX/XX/XXXX, my <em>loan</em> was being <em>serviced</em> by XXXX."],"product":["<em>Mortgage</em>"],"company":["Freedom <em>Mortgage</em> Company"],"sub_product":["Conventional home <em>mortgage</em>"]},"sort":[17.460203,"3512152"]},{"_index":"complaint-public-v1","_id":"2895581","_score":17.392582,"_source":{"product":"Mortgage","complaint_what_happened":"I am filing the same complaint again for resolving my issue about fraudulent practises of bank of America mortgage.I need help from CFPB to resolve my issue. What they were saying was wrong about my complaint .when i applied for the disaster forbearance they did not say that i want to participate in the modification program.The customer service agent told me that they will extend the mortgage for extra 3 months. If they told me that i need to participate in the forbearance plan i will not take part in the disaster plan. \nMortgage company resolved the same issues by extending the loan for extra 3 months.why they are not doing this for me? \nI strongly believe that if i took the modification program they can not cancel my PMI, and if they extend the loan like all other companies did, then i am not at default with my loan and they need to cancel PMI.","date_sent_to_company":"2018-05-03T21:36:33.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"32837","tags":null,"has_narrative":true,"complaint_id":"2895581","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2018-05-03T21:19:40.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["I am filing the same <em>complaint</em> again for resolving my issue <em>about</em> fraudulent practises of bank of America <em>mortgage</em>.I need help from CFPB to resolve my issue. What they were saying was wrong <em>about</em> my <em>complaint</em> .when i applied for the disaster forbearance they did not say that i want to participate in the modification program.The customer <em>service</em> agent told me that they will extend the <em>mortgage</em> for extra 3 months."],"product":["<em>Mortgage</em>"],"issue":["Struggling to pay <em>mortgage</em>"],"sub_product":["Conventional home <em>mortgage</em>"]},"sort":[17.392582,"2895581"]},{"_index":"complaint-public-v1","_id":"10689020","_score":17.36057,"_source":{"product":"Mortgage","complaint_what_happened":"In reference to my previous complaint dated XX/XX/XXXX Complaint # XXXX. \nI asked OVATION SERVICES LLC about \" Loss Mitigation Package '' and was informed that the Mortgage Servicer does not provide the \" Loss Mitigation Package application '' because they are not a MORTGAGE COMPANY. I have been \" DENIED '' since XXXX for Loan Modifications and/or any help with Mortgage payments during hardships such as Divorce, Child custody, reduction of income ( COVID-19 Pandemic ) etc..\n\nNow, I am facing FORECLOSURE. \nIT HAS BEEN ALMOST A YEAR AND OVATION SERVICES LLC HAS NOT RESPONDED TO MY INITIAL COMPLAINT XX/XX/XXXX XXXX","date_sent_to_company":"2024-11-05T22:57:18.000Z","issue":"Struggling to pay mortgage","sub_product":"Other type of mortgage","zip_code":"75159","tags":null,"has_narrative":true,"complaint_id":"10689020","timely":"No","company_response":"Untimely response","submitted_via":"Web","company":"Ovation Financial Services, LLC","date_received":"2024-11-05T22:32:06.000Z","state":"TX","company_public_response":null,"sub_issue":"Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure"},"highlight":{"complaint_what_happened":["In reference to my previous <em>complaint</em> dated XX/XX/XXXX <em>Complaint</em> # XXXX. \nI asked OVATION <em>SERVICES</em> LLC <em>about</em> \" Loss Mitigation Package '' and was informed that the <em>Mortgage</em> <em>Servicer</em> does not provide the \" Loss Mitigation Package application '' because they are not a <em>MORTGAGE</em> COMPANY. I have been \" DENIED '' since XXXX for <em>Loan</em> Modifications and/or any help with <em>Mortgage</em> payments during hardships such as Divorce, Child custody, reduction of income ( COVID-19 Pandemic ) etc.."],"product":["<em>Mortgage</em>"],"issue":["Struggling to pay <em>mortgage</em>"],"company":["Ovation Financial <em>Services</em>, LLC"],"sub_product":["Other type of <em>mortgage</em>"]},"sort":[17.36057,"10689020"]},{"_index":"complaint-public-v1","_id":"18548179","_score":17.357506,"_source":{"product":"Mortgage","complaint_what_happened":"I am requesting assistance regarding my mortgage serviced by Mr. Cooper ( Nationstar Mortgage LLC ) for my property at, with the loan currently owned by Fannie Mae. On XX/XX/year>, I submitted a Qualified Written Request ( XXXX  ) under RESPA seeking a complete loan history, ownership clarification, and servicing records. While Mr. Cooper has provided escrow breakdowns, they have not adequately addressed unresolved issues related to the loans transfer history, including transfers from XXXX XXXX  to XXXX XXXX XXXX and subsequently to XXXX XXXX. I have not received clear documentation explaining how the loan was transferred, who held the note at each stage, or confirmation that the transfers were properly completed. Without this information, I am unable to fully verify the accuracy of my loan servicing. I am requesting CFPB assistance to obtain complete documentation regarding the loan transfers and a clear, consolidated accounting of my mortgage. What Mr. Cooper Did Not Address Complete loan transfer chain documentation They did not provide copies of assignment documents or endorsements showing the full transfer path from XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX \n\nThey merely state that XXXX XXXX  is the current owner, without showing how or when the note was transferred or who held it at each stage. \n\nmortgage Proof of note ownership and endorsements They reference the Note and Mortgage generally but do not include copies of the endorsed note showing a clear chain of title. \n\nThere is no confirmation of whether the note was endorsed in blank or specifically assigned during each transfer. \n\nmortgage Servicing transfer records between prior servicers While they list prior servicer transfer notice and welcome letter as documents reviewed, they do not include those documents or explain discrepancies related to servicing during the transfers. \n\nmortgage XXXX of payment history across servicer changes They provide a transaction history, but they do not reconcile payments made before and after each servicer transfer to confirm nothing was misapplied during transitions. \n\nmortgage Clarification of servicing authority during transfers They do not clearly explain which entity had legal authority to service and collect payments at each transfer point, particularly during the move from XXXX XXXX to Mr. Cooper. \n\nmortgage What Was Addressed ( for balance ) Escrow analysis and escrow disbursements were provided Current loan owner ( XXXX XXXX ) was identified Current servicer responsibilities were outlined This distinction is important because it shows your complaint is not about escrow, but about loan ownership clarity, transfer integrity, and servicing accuracy.","date_sent_to_company":"2026-01-07T22:32:09.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"109XX","tags":null,"has_narrative":true,"complaint_id":"18548179","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Mr. Cooper Group Inc.","date_received":"2026-01-07T22:09:50.000Z","state":"NY","company_public_response":null,"sub_issue":"Loan sold or transferred to another company"},"highlight":{"complaint_what_happened":["<em>mortgage</em> What Was Addressed ( for balance ) Escrow analysis and escrow disbursements were provided Current <em>loan</em> owner ( XXXX XXXX ) was identified Current <em>servicer</em> responsibilities were outlined This distinction is important because it shows your <em>complaint</em> is not <em>about</em> escrow, but <em>about</em> <em>loan</em> ownership clarity, transfer integrity, and <em>servicing</em> accuracy."],"product":["<em>Mortgage</em>"],"sub_product":["Conventional home <em>mortgage</em>"],"sub_issue":["<em>Loan</em> sold or transferred to another company"]},"sort":[17.357506,"18548179"]},{"_index":"complaint-public-v1","_id":"12843229","_score":17.352156,"_source":{"product":"Mortgage","complaint_what_happened":"I am filing this complaint because my mortgage loan was allegedly originated or transferred to Lakeview Loan Servicing , LLC, and then subsequently sold or transferred to XXXX XXXX XXXX, without my knowledge, consent, or signature on any mortgage loan agreement with Lakeview. \n\nAt no point did I sign a mortgage loan agreement with Lakeview. I was never informed that they were involved in my mortgage transaction. I only became aware of their involvement after receiving documentation indicating that my mortgage was sold or transferred to XXXX. \n\nThis raises serious concerns including : - Possible fraudulent assignment of my mortgage loan - Lack of transparency and due process - Unauthorized transfer of servicing rights I do not have any records, disclosures, or signed agreements that show Lakeview as the originating or servicing lender. Therefore, I am confused and concerned as to how they obtained rights to my mortgage and were legally able to transfer it to XXXX. \n\nThis situation has caused confusion and distress as I am unsure who truly owns my mortgage loan and whether my rights as a borrower have been violated. I am worried about legal implications, especially if I am being held accountable under a loan agreement I never consented to.","date_sent_to_company":"2025-04-06T21:30:08.000Z","issue":"Closing on a mortgage","sub_product":"FHA mortgage","zip_code":"349XX","tags":null,"has_narrative":true,"complaint_id":"12843229","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LAKEVIEW LOAN SERVICING, LLC","date_received":"2025-04-06T20:43:34.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Changes in loan terms during or after closing"},"highlight":{"complaint_what_happened":["I am filing this <em>complaint</em> because my <em>mortgage</em> <em>loan</em> was allegedly originated or transferred to Lakeview <em>Loan</em> <em>Servicing</em> , LLC, and then subsequently sold or transferred to XXXX XXXX XXXX, without my knowledge, consent, or signature on any <em>mortgage</em> <em>loan</em> agreement with Lakeview. \n\nAt no point did I sign a <em>mortgage</em> <em>loan</em> agreement with Lakeview. I was never informed that they were involved in my <em>mortgage</em> transaction."],"product":["<em>Mortgage</em>"],"issue":["Closing on a <em>mortgage</em>"],"company":["LAKEVIEW <em>LOAN</em> <em>SERVICING</em>, LLC"],"sub_product":["FHA <em>mortgage</em>"],"sub_issue":["Changes in <em>loan</em> terms during or after closing"]},"sort":[17.352156,"12843229"]},{"_index":"complaint-public-v1","_id":"3808646","_score":17.340702,"_source":{"product":"Debt collection","complaint_what_happened":"Select Portfolio Services have been calling me about a mortgage debt that I owed to XXXX. I was told that they debt was transferred to them and that I owed them for debt from XX/XX/XXXX. XXXX billed me for XX/XX/XXXX mortgage and I attempted to pay this debt. \n\n. On XX/XX/XXXX asked XXXX XXXX XXXX my mortgage payment was not withdrawn from my account. I was told that my loan was transferred to another company. This transfer for servicing or sale of my mortgage did not follow 1024.33 Mortgage Service Transfer regulations. First, I did not get 15 days after the effective date of transfer. I was not provided with an effective date of transfer. XXXX XXXX XXXX collected mortgage payment from me on XX/XX/XXXX and also responded to complaints in the said month. In XXXX I received a call from an unknown creditor who identifies as Select Portfolio Services ( SPS ) informing that I was late on mortgage payment that was due XX/XX/XXXX. The call from unknown creditor came a few days after I asked XXXX XXXX XXXX about why my mortgage payment from my bank account. Regulation XXXX explicitly states that payments are not considered late during the 60-day period beginning on the effective date of transfer of the servicing of any mortgage 33 ( c ). See attached XXXX bill sent to me on XX/XX/XXXX. How could another company state that I owed them XXXX first bill? Automatic payments were set up wit XXXX which shows my attempt to pay this bill. Either XXXX or SPS reported late payments to the credit bureaus. Yet I have no details about the transfer of my loan. This is the only late payment I have on my credit and this significantly impacting my credit score. Was my loan sold. \n\nWhen will I get a information from the SPS about the delays of my loan?","date_sent_to_company":"2020-08-22T14:49:16.000Z","issue":"Written notification about debt","sub_product":"Mortgage debt","zip_code":"30045","tags":null,"has_narrative":true,"complaint_id":"3808646","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SELECT PORTFOLIO SERVICING, INC.","date_received":"2020-08-22T14:31:08.000Z","state":"GA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["This transfer for <em>servicing</em> or sale of my <em>mortgage</em> did not follow 1024.33 <em>Mortgage</em> <em>Service</em> Transfer regulations. First, I did not get 15 days after the effective date of transfer. I was not provided with an effective date of transfer. XXXX XXXX XXXX collected <em>mortgage</em> payment from me on XX/XX/XXXX and also responded to <em>complaints</em> in the said month."],"issue":["Written notification <em>about</em> debt"],"company":["SELECT PORTFOLIO <em>SERVICING</em>, INC."],"sub_product":["<em>Mortgage</em> debt"]},"sort":[17.340702,"3808646"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":4925,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":4925}]}},"product":{"doc_count":4925,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Mortgage","doc_count":3809,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Conventional home mortgage","doc_count":1936},{"key":"FHA mortgage","doc_count":654},{"key":"VA mortgage","doc_count":383},{"key":"Conventional fixed mortgage","doc_count":237},{"key":"Other type of mortgage","doc_count":169},{"key":"Home equity 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