{"took":317,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":28696,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"6486069","_score":15.696462,"_source":{"product":"Mortgage","complaint_what_happened":"IN THE BEGINNING OF COVID-19 I WA STRUGGLING TO MAKE MY MORTGAGE PAYMENTS DUE TO THE FACT THAT FIRST OF ALL I HAD LOST A FEW FAMILY MEMBERS DUE TO THE AWFUL COVID, I MYSELF WEBT THRU COVID, AND TO COMPLETE IT ALL, I LOST INCOME COMING IN TO ME. \nI REACHED OUT TO WELLSFARGO REGARDING THE FACT INWAS STRUGGLING TO MAKE MY MONTHLY MORTGAGE PAYMENTS IF THEY COULD AT LEAST EXTENT MY MORTGAGE TO EXTRA YEARS IN WHICH IT COULD HELP LOWER MY MONTHLY PAYMENTS INTO A MORE AFFORDABLE AMOUNTS. WELLSFAGO DECIDED TO PROVIDE ME A FORBEARANCE WHICH JUST ADDED MORE TO MY ALREADY HIGH MORTGAGE BALANCE. THEY COULD HAVE EXTENDED MY MORTGAGE AND I WOULD NOT BE PAYING STRUGGLING MONTHLY PAYMENTS.","date_sent_to_company":"2023-01-27T16:16:10.000Z","issue":"Struggling to pay mortgage","sub_product":"FHA mortgage","zip_code":"13502","tags":null,"has_narrative":true,"complaint_id":"6486069","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2023-01-26T09:08:18.000Z","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":["WELLSFAGO DECIDED TO PROVIDE ME A FORBEARANCE WHICH JUST ADDED MORE TO MY ALREADY HIGH <em>MORTGAGE</em> BALANCE. THEY COULD HAVE EXTENDED MY <em>MORTGAGE</em> AND I WOULD NOT BE PAYING <em>STRUGGLING</em> MONTHLY PAYMENTS."],"product":["<em>Mortgage</em>"],"issue":["<em>Struggling</em> to pay <em>mortgage</em>"],"sub_product":["FHA <em>mortgage</em>"]},"sort":[15.696462,"6486069"]},{"_index":"complaint-public-v1","_id":"6463177","_score":15.642158,"_source":{"product":"Mortgage","complaint_what_happened":"I had a home mortgage with Wells Fargo from XXXXXXXX XXXX XXXXXXXX. I struggled to pay the mortgage and on several occasions tried to get the mortgage reduced so as not to lose my home but Wells Fargo made it very difficult each time so we continued to struggle paying it.","date_sent_to_company":"2023-01-20T09:48:12.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"76108","tags":null,"has_narrative":true,"complaint_id":"6463177","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2023-01-20T09:34:48.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["I had a home <em>mortgage</em> with Wells Fargo from XXXXXXXX XXXX XXXXXXXX. I <em>struggled</em> to pay the <em>mortgage</em> and on several occasions tried to get the <em>mortgage</em> reduced so as not to lose my home but Wells Fargo made it very difficult each time so we continued to <em>struggle</em> paying it."],"product":["<em>Mortgage</em>"],"issue":["<em>Struggling</em> to pay <em>mortgage</em>"],"sub_product":["Conventional home <em>mortgage</em>"]},"sort":[15.642158,"6463177"]},{"_index":"complaint-public-v1","_id":"4907285","_score":15.2313595,"_source":{"product":"Mortgage","complaint_what_happened":"My mortgage servicer does not cooperate with extending an additional six months of forebearance on my mortgage! already on covid 19 forebearance for 18mos. and still struggling to pay my mortgage.i am a XXXX person on social security.have tried many times to ask for additional extention and reps keep denying.under fha regulations people who still need an extention should be granted an additional extention beyond the 18 months if still struggling with mortgage payment! servicer does not want to comply.","date_sent_to_company":"2021-11-13T15:50:41.000Z","issue":"Struggling to pay mortgage","sub_product":"FHA mortgage","zip_code":"32780","tags":"Older American","has_narrative":true,"complaint_id":"4907285","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Rocket Mortgage, LLC","date_received":"2021-11-13T15:32:48.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["My <em>mortgage</em> servicer does not cooperate with extending an additional six months of forebearance on my <em>mortgage</em>! already on covid 19 forebearance for 18mos. and still <em>struggling</em> to pay my <em>mortgage</em>.i am a XXXX person on social security.have tried many times to ask for additional extention and reps keep denying.under fha regulations people who still need an extention should be granted an additional extention beyond the 18 months if still <em>struggling</em> with <em>mortgage</em> payment!"],"product":["<em>Mortgage</em>"],"issue":["<em>Struggling</em> to pay <em>mortgage</em>"],"company":["Rocket <em>Mortgage</em>, LLC"],"sub_product":["FHA <em>mortgage</em>"]},"sort":[15.2313595,"4907285"]},{"_index":"complaint-public-v1","_id":"5984556","_score":14.495589,"_source":{"product":"Mortgage","complaint_what_happened":"I receive social security XXXX, XXXX per month. I fell behind on my mortgage payments, its been a struggle, with having limited income. My payment amount was XXXX, I still fell behind on my mortgage payment, because of unexpected expenses, like air condition repairs, and other repairs. So, I applied for a Modification on XXXX. Several days later, I received a package of papers, stating I was not qualified for a Modification or Mortgage Assistance. The package only had information about short sale, deed in lieu foreclosure, basically saying I had no other choices but to give up my home, also stating I wasnt behind enough to qualify for mortgage Assistance. I still didnt give up, So I applied for a Modification, Mortgage Assistance on XXXX. On XXXX I received a letter stating, congratulations I had been approved for a Modification with trial payments of XXXX, XXXX trial payments starting XX/XX/2022. Usually the trial payment amount is your permanent payment amount. This is totally unfair. A Modification is suppose to help homeowners, reduce payment amount to make payments more affordable and also reduce the interest rate. This is illegal I know to increase a homeowners mortgage payment XXXX more a month, when a homeowner is already struggling to keep their home. Phh Mortgage Claims they help homeowners. This is not true, Phh creates a way to actually take your property, like increasing your mortgage payment, so you cant afford to pay and lose your home to foreclosure. I am requesting your assistance with this matter as soon as possible. I had to accept this offer, so I wouldnt be homeless, this is not fair to me or any other homeowners. Therefore this is a formal complaint against PHH Mortgage Services, Investors owners, and PHH Companies, for illegal Mortgage Servicing. Increasing Mortgage payments for a already struggling homeowner, first denying the homeowner of mortgage assistance, claiming the only alternative is short sale, deed in lieu foreclosure, then increase mortgage payment XXXX per month to a already struggling homeowner. Please help me! This is wrong!! Thank you, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, telephone # XXXX","date_sent_to_company":"2022-09-16T02:10:35.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"28625","tags":"Older American","has_narrative":true,"complaint_id":"5984556","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Ocwen Financial Corporation","date_received":"2022-09-16T01:04:25.000Z","state":"NC","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Therefore this is a formal complaint against PHH <em>Mortgage</em> Services, Investors owners, and PHH Companies, for illegal <em>Mortgage</em> Servicing. Increasing <em>Mortgage</em> payments for a already <em>struggling</em> homeowner, first denying the homeowner of <em>mortgage</em> assistance, claiming the only alternative is short sale, deed in lieu foreclosure, then increase <em>mortgage</em> payment XXXX per month to a already <em>struggling</em> homeowner. Please help me! This is wrong!!"],"product":["<em>Mortgage</em>"],"issue":["<em>Struggling</em> to pay <em>mortgage</em>"],"sub_product":["Conventional home <em>mortgage</em>"]},"sort":[14.495589,"5984556"]},{"_index":"complaint-public-v1","_id":"4128748","_score":14.298238,"_source":{"product":"Mortgage","complaint_what_happened":"Due to covid-19 pandemics my wife and I are struggling with fiance. We both have been unemployed during 2020. For a duration of time. My wife is still collecting unemployment because the school she is employed by is struggling severely it self. I have gotten my salary slashed by 50 %. Leading to financial burdens. Amerihome mortgage company are remorseless. The constant abuse of phone calls during working hours. Paper trails of bill notification s. No response to emails. Not collecting partial payments. Mortgage company must have payments in full. No help to help save us from loosing our home. I just want to be rid of this mortgage company that brings me to XXXX and XXXX. Anger to no end of loosing my mental health. Is there a way of transferring my mortgage to a different lender?","date_sent_to_company":"2021-02-09T22:50:38.000Z","issue":"Struggling to pay mortgage","sub_product":"FHA mortgage","zip_code":"070XX","tags":null,"has_narrative":true,"complaint_id":"4128748","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AmeriHome Mortgage Company, LLC","date_received":"2021-02-09T22:24:08.000Z","state":"NJ","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Due to covid-19 pandemics my wife and I are <em>struggling</em> with fiance. We both have been unemployed during 2020. For a duration of time. My wife is still collecting unemployment because the school she is employed by is <em>struggling</em> severely it self. I have gotten my salary slashed by 50 %. Leading to financial burdens. Amerihome <em>mortgage</em> company are remorseless. The constant abuse of phone calls during working hours. Paper trails of bill notification s. No response to emails."],"product":["<em>Mortgage</em>"],"issue":["<em>Struggling</em> to pay <em>mortgage</em>"],"company":["AmeriHome <em>Mortgage</em> Company, LLC"],"sub_product":["FHA <em>mortgage</em>"]},"sort":[14.298238,"4128748"]},{"_index":"complaint-public-v1","_id":"3424450","_score":14.269773,"_source":{"product":"Mortgage","complaint_what_happened":"My husband passed away last year and I've been struggling with the mortgage and other household expenses since my husband passed. I recently requested mortgage assistance and it is being processed with my mortgage company. I received a letter stating the mortgage loan is being accelerated.","date_sent_to_company":"2019-10-31T20:06:44.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"38125","tags":null,"has_narrative":true,"complaint_id":"3424450","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Fay Servicing, LLC","date_received":"2019-10-31T19:48:51.000Z","state":"TN","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["My husband passed away last year and I've been <em>struggling</em> with the <em>mortgage</em> and other household expenses since my husband passed. I recently requested <em>mortgage</em> assistance and it is being processed with my <em>mortgage</em> company. I received a letter stating the <em>mortgage</em> loan is being accelerated."],"product":["<em>Mortgage</em>"],"issue":["<em>Struggling</em> to pay <em>mortgage</em>"],"sub_product":["Conventional home <em>mortgage</em>"]},"sort":[14.269773,"3424450"]},{"_index":"complaint-public-v1","_id":"2760052","_score":14.202181,"_source":{"product":"Mortgage","complaint_what_happened":"***NATIONSTAR IS REFUSING TO COMPLY WITH ACCOUNT INFORMATION REQUESTS*** WIRE FRAUD **** MAIL FRAUD *** COMPUTER FRAUD **** INTENTIONALLY DEFRAUDING A FEDERAL FINACIAL INSTITUTION, XXXX SEC FRAUD XXXX ILLEGAL FORECLOSURE *** THEFT *** MORE > ... *** MR COOPER / NATIONSTAR WAS PROVIDED YET ANOTHER REQUEST FOR A LIST OF ITEMS IN THE LAST CFPB COMPLAINT ... WE ARE MAKING A SECOND REQUEST HERE WITH THE CFPB COPIED .. FOR ALL OF THOSE ITEMS AND FULL COMPLIANCE THEY ARE REFUSING TO RELEASE INFORMATION ON OUR ACCOUNT IN VIOLATION OF STATE AND FEDERAL LAW SPECIFICALLY WE ASKED FOR VOICE RECORDINGS OF FRAUDULENT CRIMINAL ACTS, PROOF OF PROPER LOAN DISCLOSURE, AND SEVERAL OTHER ITEMS AS WE PREP FOR A LAWSUIT AGAINST THEM. \n\nWE ALSO ARE SEEKING THE IDENTITY OF THEIR LEGAL TEAM FOR DISBARMENT. \n\nPLEASE NOTE THAT NATIONSTAR HAS ALMOST 18,000 CFPB COMPLAINTS FOR FRAUD AND, SOMEHOW, THEY ARE STILL HOLDING A LICENSE TO OPERATE WITH FEDERAL TAX DOLLARS .... AND THEY GET SEVERAL CFPB COMPLAINTS ... EVERY DAY. \n\nWE WILL SEE WHICH EMPLOYEE IS XXXX ENOUGH TO COMMIT FRAUD YET AGAIN, WE WILL ADD THEM TO THE LIST, AND THEY GET ADDED TO THE LAWSUIT. \n\nHERE ARE JUST SOME OF THE 17,772CURRENT COMPLAINTS AGAINST THESE XXXX DISGUISED AS A BUSINESS. ~ XXXX Company name NATIONSTAR MORTGAGE Company response to consumer Closed with explanation Timely response? \nYes Date received : XXXX/XXXX/XXXX Consumer 's state : CA Product Mortgage Sub-product : Other type of mortgage Issue Struggling to pay mortgage XXXX Company name NATIONSTAR MORTGAGE Company response to consumer Closed with explanation Timely response? \nYes Date received : XXXX/XXXX/XXXX Consumer 's state : AZ Product Mortgage Sub-product : Conventional home mortgage Issue Trouble during payment process XXXX Company name NATIONSTAR MORTGAGE Company response to consumer Closed with explanation Timely response? \nYes Date received : XXXX/XXXX/XXXX Consumer 's state : GA Product Mortgage Sub-product : Conventional home mortgage Issue Trouble during payment process XXXX Company name NATIONSTAR MORTGAGE Company response to consumer Closed with explanation Timely response? \nYes Date received : XXXX/XXXX/XXXX Consumer 's state : CA Product Mortgage Sub-product : Conventional home mortgage Issue Trouble during payment process XXXX Company name NATIONSTAR MORTGAGE Company response to consumer Closed with explanation Timely response? \nYes Date received : XXXX/XXXX/XXXX Consumer 's state : CT Product Mortgage Sub-product : Conventional home mortgage Issue Trouble during payment process XXXX Company name NATIONSTAR MORTGAGE Company response to consumer Closed with explanation Timely response? \nYes Date received : XXXX/XXXX/XXXX Consumer 's state : SC Product Mortgage Sub-product : Conventional home mortgage Issue Struggling to pay mortgage XXXX Company name NATIONSTAR MORTGAGE Company response to consumer Closed with explanation Timely response? \nYes Date received : XXXX/XXXX/XXXX Consumer 's state : CA Product Mortgage Sub-product : Other type of mortgage Issue Struggling to pay mortgage XXXX Company name NATIONSTAR MORTGAGE Company response to consumer Closed with explanation Timely response? \nYes Date received : XXXX/XXXX/XXXX Consumer 's state : CA Product Mortgage Sub-product : Conventional home mortgage Issue Struggling to pay mortgage XXXX Company name NATIONSTAR MORTGAGE Company response to consumer Closed with explanation Timely response? \nYes Date received : XXXX/XXXX/XXXX Consumer 's state : CA Product Mortgage Sub-product : Conventional home mortgage Issue Trouble during payment process XXXX Company name NATIONSTAR MORTGAGE Company response to consumer Closed with explanation Timely response? \nYes Date received : XXXX/XXXX/XXXX Consumer 's state : CA Product Mortgage Sub-product : Conventional home mortgage Issue Struggling to pay mortgage XXXX Company name NATIONSTAR MORTGAGE Company response to consumer Closed with explanation Timely response? \nYes Date received : XXXX/XXXX/XXXX Consumer 's state : NY Product Mortgage Sub-product : Conventional home mortgage Issue Struggling to pay mortgage XXXX Company name NATIONSTAR MORTGAGE Company response to consumer Closed with explanation Timely response? \nYes Date received : XXXX/XXXX/XXXX Consumer 's state : PA Product Mortgage Sub-product : Conventional home mortgage Issue Trouble during payment process XXXX Company name NATIONSTAR MORTGAGE Company response to consumer Closed with explanation Timely response? \nYes Date received : XXXX/XXXX/XXXX Consumer 's state : PA Product Mortgage Sub-product : Conventional home mortgage Issue Struggling to pay mortgage XXXX Company name NATIONSTAR MORTGAGE Company response to consumer Closed with explanation Timely response? \nYes Date received : XXXX/XXXX/XXXX Consumer 's state : MO Product Mortgage Sub-product : Conventional home mortgage Issue Trouble during payment process XXXX Company name NATIONSTAR MORTGAGE Company response to consumer Closed with explanation Timely response? \nYes Date received : XXXX/XXXX/XXXX Consumer 's state : NY Product Mortgage Sub-product : Conventional home mortgage Issue Trouble during payment process XXXX Company name NATIONSTAR MORTGAGE Company response to consumer Closed with explanation Timely response? \nYes Date received : XXXX/XXXX/XXXX Consumer 's state : NC Product Mortgage Sub-product : FHA mortgage Issue Struggling to pay mortgage XXXX Company name NATIONSTAR MORTGAGE Company response to consumer Closed with explanation Timely response? \nYes Date received : XXXX/XXXX/XXXX Consumer 's state : NV Product Mortgage Sub-product : Conventional home mortgage Issue Struggling to pay mortgage XXXX Company name NATIONSTAR MORTGAGE Company response to consumer Closed with explanation Timely response? \nYes Date received : XXXX/XXXX/XXXX Consumer 's state : WA Product Mortgage Sub-product : Conventional home mortgage Issue Trouble during payment process XXXX Company name NATIONSTAR MORTGAGE Company response to consumer Closed with explanation Timely response? \nYes Date received : XXXX/XXXX/XXXX Consumer 's state : MI Product Mortgage Sub-product : Conventional home mortgage Issue Trouble during payment process XXXX Company name NATIONSTAR MORTGAGE Company response to consumer Closed with explanation Timely response? \nYes Date received : XXXX/XXXX/XXXX Consumer 's state : IN Product Credit reporting, credit repair services, or other personal consumer reports Sub-product : Credit reporting Issue Incorrect information on your report Sub-issue : Account status incorrect XXXX Company name NATIONSTAR MORTGAGE Company response to consumer Closed with explanation Timely response? \nYes Date received : XXXX/XXXX/XXXX Consumer 's state : IL Product Mortgage Sub-product : Conventional home mortgage Issue Trouble during payment process XXXX Company name NATIONSTAR MORTGAGE Company response to consumer Closed with explanation Timely response? \nYes Date received : XXXX/XXXX/XXXX Consumer 's state : VT Product Mortgage Sub-product : Conventional home mortgage Issue Trouble during payment process XXXX Company name NATIONSTAR MORTGAGE Company response to consumer Closed with explanation Timely response? \nYes Date received : XXXX/XXXX/XXXX Consumer 's state : CA Product Mortgage Sub-product : Conventional home mortgage Issue Struggling to pay mortgage XXXX Company name NATIONSTAR MORTGAGE Company response to consumer Closed with explanation Timely response? \nYes Date received : XXXX/XXXX/XXXX Consumer 's state : LA Product Mortgage Sub-product : Conventional home mortgage Issue Struggling to pay mortgage XXXX Company name NATIONSTAR MORTGAGE Company response to consumer Closed with explanation Timely response? \nYes Date received : XXXX/XXXX/XXXX Consumer 's state : DC Product Mortgage Sub-product : Conventional home mortgage Issue Trouble during payment process Previous Next Page number 1 out of711Go","date_sent_to_company":"2017-12-19T06:06:17.000Z","issue":"Closing on a mortgage","sub_product":"FHA mortgage","zip_code":"34293","tags":"Servicemember","has_narrative":true,"complaint_id":"2760052","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NATIONSTAR MORTGAGE LLC","date_received":"2017-12-19T05:41:14.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Yes Date received : XXXX/XXXX/XXXX Consumer 's state : NC Product <em>Mortgage</em> Sub-product : FHA <em>mortgage</em> Issue <em>Struggling</em> to pay <em>mortgage</em> XXXX Company name NATIONSTAR <em>MORTGAGE</em> Company response to consumer Closed with explanation Timely response?"],"product":["<em>Mortgage</em>"],"issue":["Closing on a <em>mortgage</em>"],"company":["NATIONSTAR <em>MORTGAGE</em> LLC"],"sub_product":["FHA <em>mortgage</em>"]},"sort":[14.202181,"2760052"]},{"_index":"complaint-public-v1","_id":"11442836","_score":14.185615,"_source":{"product":"Mortgage","complaint_what_happened":"Around XXXX XXXX XXXX I was injured and was struggling to pay the mortgage anyway. I was approved for a mortgage from Vanderbilt and I can not afford the payments they have me on, much less when I was injured making pass than I was originally. I had called multiple times from XXXX XXXX to XXXX XXXX to try and rework the contact or payment, with no luck I was unable to do so. I am now in a payment I cant afford to bring food to table because of, even though they ran all information, and am struggling day to day to provide for my kids and family. The mortgage company takes advantage of people who work hard and try to live a great life, but they want to take it all away with their unaffordable houses.","date_sent_to_company":"2025-01-08T22:07:54.000Z","issue":"Struggling to pay mortgage","sub_product":"Manufactured home loan","zip_code":"365XX","tags":null,"has_narrative":true,"complaint_id":"11442836","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"VANDERBILT MORTGAGE & FINANCE, INC","date_received":"2025-01-08T21:59:38.000Z","state":"AL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu"},"highlight":{"complaint_what_happened":["Around XXXX XXXX XXXX I was injured and was <em>struggling</em> to pay the <em>mortgage</em> anyway. I was approved for a <em>mortgage</em> from Vanderbilt and I can not afford the payments they have me on, much less when I was injured making pass than I was originally. I had called multiple times from XXXX XXXX to XXXX XXXX to try and rework the contact or payment, with no luck I was unable to do so."],"product":["<em>Mortgage</em>"],"issue":["<em>Struggling</em> to pay <em>mortgage</em>"],"company":["VANDERBILT <em>MORTGAGE</em> & FINANCE, INC"]},"sort":[14.185615,"11442836"]},{"_index":"complaint-public-v1","_id":"1848060","_score":14.183255,"_source":{"product":"Mortgage","complaint_what_happened":"My XXXX and XXXX mortgage is with Wells Fargo I struggle each month to make my payments to them. I am using almost XXXX % of my income to accomplish this. I have been requesting mortgage assistance going on 3 three years from Wells Fargo. Wells Fargo is encouraging me to be late on my mortgage in order to give me assistance, however, the definition of imminent default I believe I meet ; My income is XXXX a month ; my total payment is {$3400.00} I have a little over {$2000.00} in the bank, the threshold is {$25000.00}. I do not trust Wells Fargo they have shown zero interest in my struggle to keep my home.","date_sent_to_company":"2016-03-24T21:44:54.000Z","issue":"Loan modification,collection,foreclosure","sub_product":"Conventional adjustable mortgage (ARM)","zip_code":"95472","tags":null,"has_narrative":true,"complaint_id":"1848060","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2016-03-24T21:44:53.000Z","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":["My XXXX and XXXX <em>mortgage</em> is with Wells Fargo I <em>struggle</em> each month to make my payments to them. I am using almost XXXX % of my income to accomplish this. I have been requesting <em>mortgage</em> assistance going on 3 three years from Wells Fargo."],"product":["<em>Mortgage</em>"],"sub_product":["Conventional adjustable <em>mortgage</em> (ARM)"]},"sort":[14.183255,"1848060"]},{"_index":"complaint-public-v1","_id":"3764742","_score":14.088862,"_source":{"product":"Mortgage","complaint_what_happened":"I have been out of work for two weeks due to results pending for my daughter. I will not be able to make mortgage for the month of XXXX and struggle with XXXX mortgage due to caching up on other bills that I will be behind on","date_sent_to_company":"2020-07-26T21:15:39.000Z","issue":"Struggling to pay mortgage","sub_product":"VA mortgage","zip_code":"85143","tags":"Servicemember","has_narrative":true,"complaint_id":"3764742","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PENNYMAC LOAN SERVICES, LLC.","date_received":"2020-07-26T21:07:21.000Z","state":"AZ","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I will not be able to make <em>mortgage</em> for the month of XXXX and <em>struggle</em> with XXXX <em>mortgage</em> due to caching up on other bills that I will be behind on"],"product":["<em>Mortgage</em>"],"issue":["<em>Struggling</em> to pay <em>mortgage</em>"],"sub_product":["VA <em>mortgage</em>"]},"sort":[14.088862,"3764742"]},{"_index":"complaint-public-v1","_id":"6134833","_score":14.0495205,"_source":{"product":"Mortgage","complaint_what_happened":"In XXXX because of the pandemic I lost my job as a nurse for a year we struggled to pay all bills. In XXXX, my husband and I decided to apply for forbearance for 6 months. After 6 months we continued struggling so applied for another 6 months of forbearance. We recently applied to the California relief program as our forbearance is coming to end this XX/XX/XXXX. Our company paramount residential mortgage group contracted a subservicer and refused to participate in the federal program. I understand mortgage companies arent forced to participate but my loan is backed my XXXX XXXX a federal funded company so it makes no sense for them not to participate and in addition not follow XXXX XXXX guidelines. Secondly they refused to speak to us the clients and transfer our calls to the subservicer who is XXXX who continuously lies to us. My husband and I have struggled with this issue for more than a month. We hope to get some help. Thanks","date_sent_to_company":"2022-10-28T03:22:39.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"91741","tags":null,"has_narrative":true,"complaint_id":"6134833","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PARAMOUNT RESIDENTIAL MORTGAGE GROUP","date_received":"2022-10-28T03:03:01.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["In XXXX because of the pandemic I lost my job as a nurse for a year we <em>struggled</em> to pay all bills. In XXXX, my husband and I decided to apply for forbearance for 6 months. After 6 months we continued <em>struggling</em> so applied for another 6 months of forbearance. We recently applied to the California relief program as our forbearance is coming to end this XX/XX/XXXX. Our company paramount residential <em>mortgage</em> group contracted a subservicer and refused to participate in the federal program."],"product":["<em>Mortgage</em>"],"issue":["<em>Struggling</em> to pay <em>mortgage</em>"],"company":["PARAMOUNT RESIDENTIAL <em>MORTGAGE</em> GROUP"],"sub_product":["Conventional home <em>mortgage</em>"]},"sort":[14.0495205,"6134833"]},{"_index":"complaint-public-v1","_id":"3743883","_score":13.998413,"_source":{"product":"Mortgage","complaint_what_happened":"my mortgage servicer did not pay my taxes and escrow money for a year and now I got to pay it with my mortgage payment in which I am struggling to pay this because of the double amount I have to pay.","date_sent_to_company":"2020-07-31T11:27:58.000Z","issue":"Trouble during payment process","sub_product":"VA mortgage","zip_code":"454XX","tags":"Servicemember","has_narrative":true,"complaint_id":"3743883","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"PENNYMAC LOAN SERVICES, LLC.","date_received":"2020-07-14T03:13:55.000Z","state":"OH","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["my <em>mortgage</em> servicer did not pay my taxes and escrow money for a year and now I got to pay it with my <em>mortgage</em> payment in which I am <em>struggling</em> to pay this because of the double amount I have to pay."],"product":["<em>Mortgage</em>"],"sub_product":["VA <em>mortgage</em>"]},"sort":[13.998413,"3743883"]},{"_index":"complaint-public-v1","_id":"7308791","_score":13.954977,"_source":{"product":"Mortgage","complaint_what_happened":"The cares act was provided to assist mortgages during XXXX, COVID pandemic. I worked with McCue to try and pay the mortgage despite the struggles of getting COVID, working in an XXXX XXXX XXXX XXXX which was greatly impacted. In attempting to get a new mortgage I realized that I was being charged late fees during this period that I was not supposed to be charged as I struggled to make payments. In XXXX after trying my best and running 60 days behind I took the option of filing for the COVID forbearance. During that period from XXXX to early XXXX I was not charged the late fees. \n\nThis was reported to the credit bureau, I am in the middle of selling the house and attempting to get a new mortgage. Due to the charges incurred I am not able to secure a mortgage. I attempted to resolve this with McCue and I received an email that I was offered the forbearance before I actually applied therefore they are not able to remove those charges. Based on what I read about the Cares Act and consultation, I am making this report to gain a resolve with McCue Mortgage.","date_sent_to_company":"2023-07-26T20:40:30.000Z","issue":"Incorrect information on your report","sub_product":"FHA mortgage","zip_code":"06606","tags":null,"has_narrative":true,"complaint_id":"7308791","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"MCCUE MORTGAGE COMPANY, THE","date_received":"2023-07-26T20:12:54.000Z","state":"CT","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Old information reappears or never goes away"},"highlight":{"complaint_what_happened":["The cares act was provided to assist <em>mortgages</em> during XXXX, COVID pandemic. I worked with McCue to try and pay the <em>mortgage</em> despite the <em>struggles</em> of getting COVID, working in an XXXX XXXX XXXX XXXX which was greatly impacted. In attempting to get a new <em>mortgage</em> I realized that I was being charged late fees during this period that I was not supposed to be charged as I <em>struggled</em> to make payments."],"product":["<em>Mortgage</em>"],"company":["MCCUE <em>MORTGAGE</em> COMPANY, THE"],"sub_product":["FHA <em>mortgage</em>"]},"sort":[13.954977,"7308791"]},{"_index":"complaint-public-v1","_id":"4385857","_score":13.769815,"_source":{"product":"Mortgage","complaint_what_happened":"I am one month behind on my mortgage at Standard Mortgage I sent a payment in and they want to send it back cause 2 payments are due. My husband got laid off and we are struggling to pay bills so I wish they would accept my payment.","date_sent_to_company":"2021-05-26T16:54:19.000Z","issue":"Struggling to pay mortgage","sub_product":"FHA mortgage","zip_code":"70458","tags":null,"has_narrative":true,"complaint_id":"4385857","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"STANDARD MORTGAGE CORPORATION","date_received":"2021-05-18T17:15:34.000Z","state":"LA","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 one month behind on my <em>mortgage</em> at Standard <em>Mortgage</em> I sent a payment in and they want to send it back cause 2 payments are due. My husband got laid off and we are <em>struggling</em> to pay bills so I wish they would accept my payment."],"product":["<em>Mortgage</em>"],"issue":["<em>Struggling</em> to pay <em>mortgage</em>"],"company":["STANDARD <em>MORTGAGE</em> CORPORATION"],"sub_product":["FHA <em>mortgage</em>"]},"sort":[13.769815,"4385857"]},{"_index":"complaint-public-v1","_id":"8082903","_score":13.733585,"_source":{"product":"Mortgage","complaint_what_happened":"I have applied for 2 loan modifications due to financial hardship causing us to struggle and get behind paying our monthly mortgage of {$3600.00}, which was both approved but the first loan modification was approved increasing mortgage from {$3600.00} to {$4000.00} and the second loan modification was approved increasing mortgage from {$3600.00} to {$4300.00}. Please advise.","date_sent_to_company":"2023-12-30T20:56:15.000Z","issue":"Applying for a mortgage or refinancing an existing mortgage","sub_product":"Conventional home mortgage","zip_code":"380XX","tags":null,"has_narrative":true,"complaint_id":"8082903","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Selene Holdings LLC","date_received":"2023-12-30T20:41:53.000Z","state":"TN","company_public_response":null,"sub_issue":"Trying to communicate with the company to fix an issue with the application process"},"highlight":{"complaint_what_happened":["I have applied for 2 loan modifications due to financial hardship causing us to <em>struggle</em> and get behind paying our monthly <em>mortgage</em> of {$3600.00}, which was both approved but the first loan modification was approved increasing <em>mortgage</em> from {$3600.00} to {$4000.00} and the second loan modification was approved increasing <em>mortgage</em> from {$3600.00} to {$4300.00}. Please advise."],"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":[13.733585,"8082903"]},{"_index":"complaint-public-v1","_id":"8284207","_score":13.706526,"_source":{"product":"Mortgage","complaint_what_happened":"I entered into a Covid Forbearance Program in early 2023. I was struggling to make mortgage payments due to loss in income. As i was struggling to make payments an associate on the phone offered this program to me. I was described to me as a program that would pause payments until I was able to resume making payments on my mortgage. I could use this program for up to a year. I talked with this specific representative as well as many others while in the program confirming that when I was ready to pick back up payments that I would be able to resume. XXXX it was coming to the end of my plan I contacted Mr Cooper as I was ready to begin mortgage payments again. When contacting them I was told that this was not actually an option as I do not qualify for this. At no time before or during the program was I notified that I would have to qualify for this program. The only options I qualified for was bringing the loan current or a loan modification. the loan modification would increase my mortgage payment drastically. All I am asking is that company do what they said they would do all along and let me resume mortgage payments.","date_sent_to_company":"2024-02-06T00:23:45.000Z","issue":"Struggling to pay mortgage","sub_product":"FHA mortgage","zip_code":"662XX","tags":null,"has_narrative":true,"complaint_id":"8284207","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Mr. Cooper Group Inc.","date_received":"2024-02-06T00:09:45.000Z","state":"KS","company_public_response":null,"sub_issue":"An existing modification, forbearance plan, short sale, or other loss mitigation relief"},"highlight":{"complaint_what_happened":["I was <em>struggling</em> to make <em>mortgage</em> payments due to loss in income. As i was <em>struggling</em> to make payments an associate on the phone offered this program to me. I was described to me as a program that would pause payments until I was able to resume making payments on my <em>mortgage</em>. I could use this program for up to a year. I talked with this specific representative as well as many others while in the program confirming that when I was ready to pick back up payments that I would be able to resume."],"product":["<em>Mortgage</em>"],"issue":["<em>Struggling</em> to pay <em>mortgage</em>"],"sub_product":["FHA <em>mortgage</em>"]},"sort":[13.706526,"8284207"]},{"_index":"complaint-public-v1","_id":"4511357","_score":13.656134,"_source":{"product":"Mortgage","complaint_what_happened":"Due to covid I was laid off from work : I live in California and we were completely closed down. I struggled and made payment for the 1st 5-6 after covid started but I depleted my savings. I applied for a covid forbearance plan from SPS and that went back and forth and eventually I was approved for a repayment plan ; which would increase my mortgage payment by about {$1400.00} This doesn't help I asked if they could add the balance to the end of the loan and I have not heard back from SPS. Please help me make my payments again ; I was not late on my mortgage and struggled to make payment through all of 2020. Please help","date_sent_to_company":"2021-07-02T18:35:40.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"90019","tags":null,"has_narrative":true,"complaint_id":"4511357","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SELECT PORTFOLIO SERVICING, INC.","date_received":"2021-07-02T17:54:26.000Z","state":"CA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["Please help me make my payments again ; I was not late on my <em>mortgage</em> and <em>struggled</em> to make payment through all of 2020. Please help"],"product":["<em>Mortgage</em>"],"issue":["<em>Struggling</em> to pay <em>mortgage</em>"],"sub_product":["Conventional home <em>mortgage</em>"]},"sort":[13.656134,"4511357"]},{"_index":"complaint-public-v1","_id":"14882572","_score":13.627148,"_source":{"product":"Mortgage","complaint_what_happened":"I only financed XXXX for a XXXX  year loan. My payment was XXXX and I had no issues paying. Once the property was appraised Vanderbilt Mortgage jacked my house payment to XXXX. I am a single mother with XXXX natural children and XXXX that I am getting guardianship over for a total of XXXX children under XXXX XXXX XXXX that stay with me 100 % of the time. I am struggling to pay the XXXX because my children need to eat and have water and electricity. If my payment was XXXX again I wouldnt struggle to make payments because Im having to choose between feeding my children, going to the Dr for med, paying utilities and then having to pay that XXXX a month mortgage for a home that is falling apart.","date_sent_to_company":"2025-07-25T15:58:22.000Z","issue":"Struggling to pay mortgage","sub_product":"Manufactured home loan","zip_code":"40601","tags":null,"has_narrative":true,"complaint_id":"14882572","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"VANDERBILT MORTGAGE & FINANCE, INC","date_received":"2025-07-25T15:48:03.000Z","state":"KY","company_public_response":null,"sub_issue":"Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu"},"highlight":{"complaint_what_happened":["If my payment was XXXX again I wouldnt <em>struggle</em> to make payments because Im having to choose between feeding my children, going to the Dr for med, paying utilities and then having to pay that XXXX a month <em>mortgage</em> for a home that is falling apart."],"product":["<em>Mortgage</em>"],"issue":["<em>Struggling</em> to pay <em>mortgage</em>"],"company":["VANDERBILT <em>MORTGAGE</em> & FINANCE, INC"]},"sort":[13.627148,"14882572"]},{"_index":"complaint-public-v1","_id":"6383149","_score":13.586031,"_source":{"product":"Checking or savings account","complaint_what_happened":"In just XXXX alone we had {$170.00} in overdraft fees... .this is a system put in place to make sure people who are struggling continue to struggle. Despite requesting bills not being taken out due to low funds they did not adhere to our request and allowed the fees to pile up anyway. This affected the next month where we had to pinch pennies just to pay the mortgage. We are still behind on bills and Wells Fargo only makes the situation worse.","date_sent_to_company":"2022-12-31T18:10:18.000Z","issue":"Problem caused by your funds being low","sub_product":"Checking account","zip_code":"17602","tags":null,"has_narrative":true,"complaint_id":"6383149","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2022-12-31T18:02:50.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Overdrafts and overdraft fees"},"highlight":{"complaint_what_happened":["In just XXXX alone we had {$170.00} in overdraft fees... .this is a system put in place to make sure people who are <em>struggling</em> continue to <em>struggle</em>. Despite requesting bills not being taken out due to low funds they did not adhere to our request and allowed the fees to pile up anyway. This affected the next month where we had to pinch pennies just to pay the <em>mortgage</em>. We are still behind on bills and Wells Fargo only makes the situation worse."]},"sort":[13.586031,"6383149"]},{"_index":"complaint-public-v1","_id":"4112192","_score":13.58156,"_source":{"product":"Mortgage","complaint_what_happened":"Like many individuals and families in the country, I have been struggling to make on time mortgage payments. This has been even more challenging during the COVID-19 pandemic.\n\nMy mortgage lender, mr. cooper, is offering a Pandemic Forbearance Plan with a key benefit being no late fees or penalties will be applied. \nI have requested of mr. cooper that I be allowed to enter the Plan retroactively for prior months in 2020 to have late fees and penalties removed for the months that I struggled to make the mortgage payments on time but made them nonetheless. \nI was advised by mr. cooper representatives that this is not allowed and they offered no other assistance. \nI am not aware that my request, albeit outside of the standard applicant request, is not allowed as mr. cooper has advised.\n\nIs this denial of my request and their refusal to provide relief of any sort in compliance with the CARES Act?\n\nThe mr. cooper representative, in a final statement of insult, suggested that I should have known about the plan sooner.","date_sent_to_company":"2021-02-02T18:41:12.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"48326","tags":null,"has_narrative":true,"complaint_id":"4112192","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Mr. Cooper Group Inc.","date_received":"2021-02-02T18:19:24.000Z","state":"MI","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Like many individuals and families in the country, I have been <em>struggling</em> to make on time <em>mortgage</em> payments. This has been even more challenging during the COVID-19 pandemic.\n\nMy <em>mortgage</em> lender, mr. cooper, is offering a Pandemic Forbearance Plan with a key benefit being no late fees or penalties will be applied."],"product":["<em>Mortgage</em>"],"issue":["<em>Struggling</em> to pay <em>mortgage</em>"],"sub_product":["Conventional home <em>mortgage</em>"]},"sort":[13.58156,"4112192"]},{"_index":"complaint-public-v1","_id":"3537311","_score":13.537109,"_source":{"product":"Mortgage","complaint_what_happened":"I purchased this home in XX/XX/XXXX when I was working. I became ill and was put on a medical leave by my doctor in XXXX. I have struggled to pay my mortgage since my XXXX  went from XXXX to XXXX XXXX and my XXXX  payments went from 90 % of my pay to 60 % of my pay. I got married with the hope of some assistance but my husband moved out and refused to help. He has never made a mortgage payment. Every payment has been paid by me. I believe that SPS has looked at his income rather than mine to make the decision to refuse a modification but we never shared a bank account of money. He passed away in XX/XX/XXXX. I did not inherit anything from this man. I am not the executor, administrator or trustee of his estate. My only income is {$2400.00} a month from Social Security and my mortgage payment is {$1100.00}. Despite their refusal to modify my mortgage, I must struggle to keep my mortgage paid as I have no other place to go. I have been in my home 25 years and I am paying a mortgage on a home in a neighborhood where all of the homes are under water. Our property taxes are some of the highest in XXXX county. There are many vacancies on my block alone and many others are rented out under Section 8.  People are abandoning their properties and leaving the area. I am trying to keep my home. I am XXXX years old and buying another home is out of the question because I can't afford to. Right now, I live close to XXXX of my children if I should need help.. There are properties on my block that has been vacant for 3 years or more. It seems as if Mortgagers and Servicers want these properties to be abandoned and vacant. It actually feels as if they want you to be homeless. I need relief from this struggle and a short sale is not an option.","date_sent_to_company":"2020-02-19T22:13:32.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"60409","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"3537311","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SELECT PORTFOLIO SERVICING, INC.","date_received":"2020-02-19T21:13:13.000Z","state":"IL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["It seems as if <em>Mortgagers</em> and Servicers want these properties to be abandoned and vacant. It actually feels as if they want you to be homeless. I need relief from this <em>struggle</em> and a short sale is not an option."],"product":["<em>Mortgage</em>"],"issue":["<em>Struggling</em> to pay <em>mortgage</em>"],"sub_product":["Conventional home <em>mortgage</em>"]},"sort":[13.537109,"3537311"]},{"_index":"complaint-public-v1","_id":"4181450","_score":13.485363,"_source":{"product":"Mortgage","complaint_what_happened":"Due to the covid protection I filed months ago requesting assistance/help in paying my mortgage. I filled out the appropriate paperwork with my mortgage company. I continue to contact them and all they tell me is there is no information. They state there is no way for me to check the status of my requests either. We are now months after I submitted this assistance/request and still nothing from my mortgage company. I thought there was supposed to be assistance for people struggling with income and not being able to make mortgage payments.","date_sent_to_company":"2021-03-03T13:01:05.000Z","issue":"Struggling to pay mortgage","sub_product":"FHA mortgage","zip_code":"40422","tags":null,"has_narrative":true,"complaint_id":"4181450","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SN SERVICING CORPORATION","date_received":"2021-03-03T12:41:58.000Z","state":"KY","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I thought there was supposed to be assistance for people <em>struggling</em> with income and not being able to make <em>mortgage</em> payments."],"product":["<em>Mortgage</em>"],"issue":["<em>Struggling</em> to pay <em>mortgage</em>"],"sub_product":["FHA <em>mortgage</em>"]},"sort":[13.485363,"4181450"]},{"_index":"complaint-public-v1","_id":"3700718","_score":13.478823,"_source":{"product":"Mortgage","complaint_what_happened":"Cares Act - Due to hardship of Covid 19 lock down iam struggling making my mortgage payment On XX/XX/2020 I received a letter from my mortgage company stating a Temporary hardship forbearance plan agreement, in which I was not involved, neither I spoke to them on the phone, neither I agreed to this plan. it was a 3 months deferred with the due date of XX/XX/2020, paying the total amount of XXXX. \nduring this time I continue struggling and making my mortgage payment on time. \n\nOn XX/XX/2020 I Email them a letter requesting and demanding for Request for Paused Reamortization Mortgage Forbearance in which I stated to inpound payments for insurance and property taxes and that the accrued interest to be added to the principal balance and to be amortized over the remaining period of my loan, pursuant to federal law. \n\nI also ask to provide written confirmation of receipt of my request, which they fail to do so, until I contact them XX/XX/2020 and they acknowledge receiving my email and promise to look in to that, and no contact. \n\non XX/XX/2020 I contact them requesting againg a resolution in writing and the answer was No that they are not offering any other mortgage relief due to covid 19. they refuse to do it in writing,","date_sent_to_company":"2020-06-16T07:41:03.000Z","issue":"Struggling to pay mortgage","sub_product":"FHA mortgage","zip_code":"92530","tags":null,"has_narrative":true,"complaint_id":"3700718","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PLAZA HOME MORTGAGE, INC.","date_received":"2020-06-16T03:06:46.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Cares Act - Due to hardship of Covid 19 lock down iam <em>struggling</em> making my <em>mortgage</em> payment On XX/XX/2020 I received a letter from my <em>mortgage</em> company stating a Temporary hardship forbearance plan agreement, in which I was not involved, neither I spoke to them on the phone, neither I agreed to this plan. it was a 3 months deferred with the due date of XX/XX/2020, paying the total amount of XXXX. \nduring this time I continue <em>struggling</em> and making my <em>mortgage</em> payment on time."],"product":["<em>Mortgage</em>"],"issue":["<em>Struggling</em> to pay <em>mortgage</em>"],"company":["PLAZA HOME <em>MORTGAGE</em>, INC."],"sub_product":["FHA <em>mortgage</em>"]},"sort":[13.478823,"3700718"]},{"_index":"complaint-public-v1","_id":"3605062","_score":13.464014,"_source":{"product":"Mortgage","complaint_what_happened":"As the situation with Covid-19 deteriorated, I was let go of my job which restricted my ability to pay my mortgage, luckily the federal government step up to help all of those with FHA loans give options to help during these hard times, guidelines that Freedom Mortgage is not following such guidelines to help struggling customers.","date_sent_to_company":"2020-04-13T22:50:06.000Z","issue":"Struggling to pay mortgage","sub_product":"FHA mortgage","zip_code":"608XX","tags":null,"has_narrative":true,"complaint_id":"3605062","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Freedom Mortgage Company","date_received":"2020-04-13T22:23:53.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["As the situation with Covid-19 deteriorated, I was let go of my job which restricted my ability to pay my <em>mortgage</em>, luckily the federal government step up to help all of those with FHA loans give options to help during these hard times, guidelines that Freedom <em>Mortgage</em> is not following such guidelines to help <em>struggling</em> customers."],"product":["<em>Mortgage</em>"],"issue":["<em>Struggling</em> to pay <em>mortgage</em>"],"company":["Freedom <em>Mortgage</em> Company"],"sub_product":["FHA <em>mortgage</em>"]},"sort":[13.464014,"3605062"]},{"_index":"complaint-public-v1","_id":"8311204","_score":13.433935,"_source":{"product":"Mortgage","complaint_what_happened":"I had a mortgage with Wells Fargo. I was a single parent and was struggling with payment. They would not work with me and I lost my home. It was listed under XXXX XXXX at the time.","date_sent_to_company":"2024-02-08T19:43:28.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"8311204","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2024-02-08T19:32:39.000Z","state":"PA","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 while managing or servicing your loan"},"highlight":{"complaint_what_happened":["I had a <em>mortgage</em> with Wells Fargo. I was a single parent and was <em>struggling</em> with payment. They would not work with me and I lost my home. 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