{"took":476,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":6,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"5158148","_score":14.406807,"_source":{"product":"Mortgage","complaint_what_happened":"The options given for Step 1 and Step 2 don't exactly describe my issues but here 's a long explanation of everything that has been going on. \n\nThis is a dual complaint against Mr. Cooper - their Mortgage Division ( loan # XXXX ) and against XXXX ( Claim Tracking Number : XXXX ) which is one of their subsidiaries. XXXX handles all homeowners claims. Mr. Cooper has too many addresses per se and I didnt know which one to use. I havent dealt directly with them in years. The lawyer representing Mr. Cooper in my modification case is XXXX XXXX and here is his contact information : XXXX XXXX XXXX, XXXX. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( direct ) ( XXXX ) XXXX ( facsimile ) I will provide XXXX  XXXX info when I get to that part of the complaint. \n\nI want to clarify that I am not currently represented by an attorney but I would like to be. I was represented for the past five years by XXXX XXXX for the purposes of filing a bankruptcy and negotiating a settlement. Litigation at that point was off the table for financial reasons and because I didnt think XXXX XXXX was invested enough in the case to pull it off. I know it probably wouldve been less stressful ( or not? ) to extend XXXX XXXX representation but without getting into too many details, he made too many mistakes and other than filing the bankruptcy, he didnt do much else. Im still very grateful for his service and support though. \n\nThis is my pathetic story. My name is XXXX XXXX. In XXXX, I bought my first home located at XXXX XXXX XXXX in XXXX, MA ( XXXX ) and Ive lived there ever since ; this is my mailing address as well. WIthout any notice, the mortgage companies changed a few times through the years with the last one being NationStar dba Mr. Cooper and thats when my nightmare began. \n\nBack in XXXX, a modification was offered and approved. I successfully completed the trial period and for no reason and without an explanation, they then denied it. I refused to pay the new slightly higher mortgage payments until they honored the modification agreement. Trying to get anybody to speak to me to straighten out the modification issue was impossible. I gave up and when I tried to pay the mortgage payments I had missed, they refused to accept them. Shortly after, I got a foreclosure sale notice in the mail from Mr. Cooper. Mr. Coopers unjustified and unnecessary actions forced me to get legal representation and to file bankruptcy when I shouldnt have had to. Im a teacher and I live paycheck to paycheck and what I had to do to save my house ruined my credit and ruined me financially, which to this day I still havent recovered. The emotional pain and suffering that I have endured since is immeasurable. \n\nDue to the constant stress I was under, I couldnt focus, I was sick often and I was unjustly let go of my job of 17 years as a teacher in the XXXX. Even though the Unemployment Dept reversed my employers decision, the damage was done and it was about to get worse. The unemployment benefits were only a percentage of my salary and I couldnt keep up with Mr. Coopers payment demands. Against everyone 's advice, I withdrew my retirement benefits early to pay for what I owed. Not only did I lose every cent I had saved for my retirement but I lost about {$35000.00} during that transaction due to penalties related to the early withdrawal. I was honest with the Unemployment Division and when I told them that I had withdrawn my retirement benefits, the benefits ceased. I guess they considered my retirement benefits as income. I probably couldve contested their decision but I was too emotionally drained to fight it and in all honesty, they came through for me when I needed it the most so I just let it go. This was the lowest point of my life and Mr. Cooper continued to push but I managed to pay for every cent I owed up to that point and more afterwards ( I have copies of the checks ). \n\nMy payments altogether total about $ XXXX. To make matters worse, the $ XXXX went missing ; that money was never credited to my account which Ive come to find out seems to happen a lot with Mr. Cooper XXXX My lawyer even missed that and when I pushed him to question them, Mr. Coopers lawyer admitted to it. While Im very surprised that he admitted to their oversight, I dont buy it. To me, missing one payment may be considered an honest mistake. Missing crediting my account on six different occasions ( or more ) is no different than illegally withdrawing money from borrowers without their consent, one of the many charges Mr. Cooper has been found guilty of. I have no idea where that money is but thats one of the stipulations that need to be clarified in the settlement.\n\nI believe during or shortly after Mr. Coopers big indictment in XXXX, XXXX XXXX approached my lawyer to negotiate a settlement. A whole year went by and nothing happened. XXXX XXXX didnt contact my lawyer and my lawyer didnt follow up to him either until I insisted. My lawyer finally sent XXXX XXXX a short letter on XX/XX/XXXX and XXXX XXXX responded shortly after, on XX/XX/XXXX, saying that he would get back to him soon. And that was almost a month ago? He has already taken another month to reply and before that he took over a year! What can I possibly do at this point? I dont know if taking months, a year to respond is standard procedure in this type of case and/or amongst lawyers but as my level of anxiety keeps rising, I dont know how much longer I can wait. I dont trust Mr. Cooper - Im scared that they will take back what they said they would include in their settlement, and attempt to force me out of my house again. Their MO is so predictable! and they continue acting this way because they know they can get away with it when their accuser '' is somebody like me, a divorced teacher with no legal representation, and no direction.\n\nAnd thats where Im at with this part of the case. I may be wrong but I dont think their lawyer is going to get back to me any time soon, especially knowing now that Im no longer represented. XXXX XXXX from the DOB suggested I file a complaint through you and I truly hope you can assist me.\n\nLike I said, for years, we have tried to reach an agreement with Mr. Cooper so things can go back to normal but nothing has gotten done, for one reason or another. In order for me to agree to a settlement, Mr. Coopers lawyer would have to 1 ) agree to honor the modification they had agreed on almost five years ago and later withdrew 2 ) pay my former lawyer XXXX XXXX legal fees ( they kind of agreed to that but they don't know the amount ) and XXXX ) offer monetary compensation for my emotional distress. 4 ) He would also have to put in writing that they have waived the mortgage payments in arrears ( he also agreed to that as well but I obviously want him to agree to an amount and put it in writing along with the other conditions ) and 5 ) deposit my $ 33k ( approxly ) into an escrow account or apply it towards my mortgage balance ( as they were supposed to but never did ). \n\nUnfortunately, there is more to complain about. Back on XX/XX/XXXX, my kitchen caught on fire. The kitchen was destroyed and the smoke and soot went all over the house. Ive been living in a hotel since then and its been the opposite of Heaven. Here we are, 9 months later and my house is still not fixed because XXXX, a subsidiary of Mr. Cooper has simply decided to keep the money. Not only they havent released any of the funds but they havent given me an explanation as to why they are doing that either- is that even legal? \n\nThe check from the insurance company I received in XXXX to repair my home was made payable to me and Mr. Cooper. Based on their track history of losing money, I didnt want them to have the check. I tried asking them to endorse it so I could keep it but they refused. I tried to figure out other options with XXXX and that didnt work either. When I asked XXXX XXXX for information about where to send the check, he told me to just send it to him and that he would figure out where to send it. I refused and demanded to have in writing the name and contact info of whoever would be handling my case and a description of their claim procedures. I never got any detailed information from XXXX XXXX about their procedures ; all he gave me was the name XXXX and the address and that took months! Assurants addresses are : Regular Mail Overnight Mail Mr. Cooper Mr. Cooper Attn : Loss Drafts Attn : Loss Drafts XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX XXXX, OH XXXX Ph # XXXX While waiting for some kind of response from XXXX XXXX, the original check from XXXX expired and I had to contact the insurance company to get another check issued. XXXX was not aware that the home repairs had not yet begun and needless to say, they were appalled. Thats when I was notified by XXXX that my ALE benefits that are currently paying for my hotel stay while my house was supposed to be getting repaired will be terminated at the end of XXXX. Since five months had already passed at this point and with the fear of becoming homeless soon, I felt I had no choice but to send the check to XXXX and hope for the best. \n\nOn XX/XX/XXXX, I reluctantly forwarded a check in the amount of {$26000.00} to XXXX. As I mentioned earlier, this check was issued by XXXX with the sole purpose of repairing the damages done to my property by the kitchen fire. Along with the aforementioned check, I included the insurance repair estimates, the contractor 's report and a Declaration of Intent to Repair form. As its their usual tactic to delay things, they asked me yet for another Intent to Repair form through their website. I immediately filled it out and submitted it and I still havent heard from them once ; not a letter, not a phone call - nothing. Ive also been checking their useless website for updates and there is nothing there either. Not only it doesnt have an updated status but the information is contradicting and deceitful. In one section, it says Were going to take you to Step 3 : Receive Partial Claim Funds. Then the next screen says : Claim Funds Sent to you but when I scroll down, in smaller print, it says funds not yet sent. Again, no explanations. ( I have pictures of the screens ). \n\nI decided to call their Customer Service Dept and that was another nightmare in itself. One of the many reps I spoke to informed me that none of the Customer Service reps could discuss the case with me because my case is coded LITIGATION. Nobody can discuss the case with you, she said. My own case! She then proceeded to give me a list of generic emails to file complaints about Mr. Cooper to Mr. Cooper ( the links on the website to file a complaint, www.mrcooper.com/legal/complaints, don't even work! I also have the pictures of the error messages. ) When I demanded the name of someone with authority that I could speak to about my case, she simply replied that she had no names to give me. This is all so unfair, so wrong. I have never encountered a situation like this where a company wont inform me of whats going on with my own claim and then tells me that theres nobody I could speak to about the situation! \n\nI tried to explain to the CS rep that there is no litigation '' going on, that Ive been involved in a serious situation with Mr. Coopers Mortgage Division for the past 4+ years about a shady modification offer and an unjustified attempt to foreclose on my home but that we are not battling it in court nor am I being represented by a lawyer. I explained further that negotiations for a settlement with Mr. Coopers legal counsel XXXX XXXX XXXX, XXXX on the mortgage case have begun and that I hoped to reach a final resolution soon, one way or another. My explanations didnt matter ; she just kept saying file a complaint with Mr. Cooper . I cant waste my time with Mr. Cooper aymore so here I am, I decided to file my complaints where they matter and where I may have a chance to get some kind of resolution. \n\nAs I mentioned above, my insurance company will no longer pay for my hotel stay after XXXX which means Mr. Cooper is pushing me into homelessness once again. To avoid this from happening, my house would have to be deemed safe and livable for me to move back in and the only way to accomplish that is if the contractor starts working on my house now and finish all major repairs within a very unrealistic short amount of time and with non-existent building materials or appliances as I havent been able to order any of them. And thats if he is available to work. He has been waiting to start this project since I got the first check back in XXXX. Being aware of the situation and Mr. Cooper 's reputation, my contractor will not do any work until I can confirm that the entire {$26000.00} is available to him and that there will be no more issues if and when additional funds are needed. And the same goes for any contractor in the area. \n\nWithout that money, my house wont get repaired - plain and simple. And their unjustified and intentional delays have not only affected everybody involved but the condition of my home continues to deteriorate as its still covered with smoke residue and soot. At this point, when so much time has passed and nothing has gotten done, a partial disbursement or half of the funds now and the second half later is not acceptable. The entire amount is needed now to complete all the major repairs at once and as fast as possible. ( 6 ) They also need to have the LITIGATION code removed from my claim case immediately. ( 7 ) This is something Im sure Mr. Coopers lawyer could request but Im even more sure that it wont happen unless somebody with more knowledge and power intervenes on my behalf. \n\nBecause of the pending settlement negotiations, I have taken a closer look at my case and I was really embarrassed because Mr. Coopers deceptions were very obvious from the beginning and a more aggressive approach shouldve been taken. I started doing my research and thats when I realized that what Ive experienced with Mr. Cooper, thousands of consumers have gone through it as well : the shady modification offers, unjustified foreclosures, repetitive requests for the same information, lost documents/payments, among other unfair and deceptive practices. To their long list, I can add failure to communicate ( a year+ on one case and 60 days on the other ) and misappropriation of funds, for wrongfully keeping the insurance funds that I need to repair my home. I hope you can help me put an end to this nightmare once and for all! I would be eternally grateful!","date_sent_to_company":"2022-01-28T08:23:27.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"016XX","tags":null,"has_narrative":true,"complaint_id":"5158148","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Mr. Cooper Group Inc.","date_received":"2022-01-28T03:07:48.000Z","state":"MA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["As I mentioned earlier, this check was issued by XXXX with the sole purpose of <em>repairing</em> the damages done to my property by the kitchen fire. Along with the aforementioned check, I included the insurance <em>repair</em> estimates, the contractor 's <em>report</em> and a Declaration of Intent to <em>Repair</em> form. As its their usual tactic to delay things, they asked me yet for another Intent to <em>Repair</em> form through their website."]},"sort":[14.406807,"5158148"]},{"_index":"complaint-public-v1","_id":"2584080","_score":6.3456593,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"The year XXXX I met with several brokers and banking personnel in regards, to supporting funding and investing in my textile and clothing company XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The deal was based upon a {>= $1,000,000} XXXX dollar bond USDA GOVT BOND CUSP # XXXX. The bank XXXX XXXX XXXX XXXX XXXX stated my company would have to wait till the maturity date before receiving the BOND. Thereafter the housing market crashed and the funds disappeared XXXX XXXX was acquired by JPMorgan Chase Bank and we filed a claim against the CEO of the bank therein he defaulted and 35 or so days later had the case removed from XXXX XXXX County Court to Federal Court based upon fraudulent claims that we did not know the defendant personally and that he stated to the court without record that he had nothing to do with any illegal dealings pointing to the JPMorgan Chase of XXXX CA. The case was ailegedly dismissed illegally by a Deputy Clerk XXXX. while Deputy clerk XXXX XXXX was not at work or at the courts as he stated to me over the phone on XX/XX/XXXX XXXX. When in fact he was present according to the case load court schedule for XX/XX/XXXX. The Judges signature was a rubber stamped at best, whom also ironically retired approximately 45 days thereafter. According to the law they did not follow the rules or the law in dismissing the claim therefore we are filing a appeal and another claim. We need information on whom had access to the USDA Funds and whom had the authority to take hide or misappropriate the funds. I believe and can prove that my identity was taken and used to gain access to the funds and that we have been harassed by JPMorgan Chase whom claims that we signed a mortgage with a company they somehow acquired whom never had a license to sell buy or service mortgages in the State Of California XXXX County. I have received multiple letters claiming that my company did not file taxes since fighting the theft fraud and identity theft. I have received several checks from investment firms which turned out to be fraud checks. I have been warned by an attorney that once i began to file complaints and claims against the bank that I would have issues with the IRS, and so far he was correct. I have received multiple letters regarding my businesses EIN numbers and or filings. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Corporate Status - EIN XXXX Copyright XXXX US Copyright Office Library of Congress # XXXX XXXX It is factual and true of all the events taken place and can be proven in a court of law or in a negation discovery setting. That on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was aw'arded via USDA GOVT BOI { XXXX XXXX # XXXX in the amount of {>= $1,000,000} that matured in two years dated XX/XX/XXXX to the amount of {>= $1,000,000} that was stolen taken and have been caused to disappear within XXXX XXXX XXXX XXXX within the XXXX XXXX County area State Of California. This fraud was caused by said bank and its National and or local employees. XXXX XXXX XXXX in the year of our Lord - Monday, XX/XX/XXXXXXXX with XXXX XXXX whereas I was approached by XXXX XXXX , & XXXX XXXX and XXXX XXXX whom later introduced me to XXXX XXXX via conference of XXXX XXXX XXXX and XXXX XXXX via conference that of employed by the subsidiary bank XXXX XXXX XXXX XXXX XXXX that of XXXX XXXX . Included within the contract and verbal agreement for the {>= $1,000,000} BOND was XXXX XXXX XXXX ( a local XXXX fashion designer ) & XXXX XXXXXXXX XXXX company XXXX XXXX and copy written. Our first meeting took place in XXXX Michigan with XXXX XXXX XXXX XXXX and XXXX XXXX as well XXXX XXXX XXXX. The meeting included a transfer of information such as EIN for XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the amount of the BOND acquired to produce both a textile manufacturing company and a clothing line brand therein. XXXX XXXX banking account management expert her involvement was to introduce us to the big dollars as she stated. She introduced me to XXXX XXXX employed with XXXX XXXX XXXX. Whom was to appropriate and allocate the BOND, as well she educated me on how to deal with my debts and credit ( business ) to be qualified for the {>= $1,000,000} that matured to {>= $1,000,000}. XXXX XXXX and XXXX XXXX educated me on what to do concerning my home and how to acquire payment in the year XXXX. Stated by XXXX XXXX I needed to contact the US Government agencies concerning my home and file the proper paper work, this would assure my debt to income ratio would be very low and my credit score would rise high. So I went online to the USDA government site and filled out the form XXXX XXXX ( Rev. XXXX ) The property servicing rights was sold in2 } XXXX and again in XXXX from XXXX, to XXXX XXXX XXXX to XXXX XXXX XXXX She stated that the Chain of title have been broken and that i would need to look into that. So I began contacting the SEC, Office of Controller of Currenc5 Department Of Justice, United States Department of Agriculture. I filed the proper documentation with those agencies. Thereafter the property was paid in fullas ofXX/XX/XXXX, as stated by XXXX XXXX documents and letter ( s ). Both companies or banks XXXX XXXX XXXX and XXXX XXXX XXXX have been acquired by XXXX XXXX XXXX XXXX. See form FORM XXXX XXXX ( XXXX ). Please be advised we where instructed on how to filI out the form by bankers and government agents or employees and therefore this document is very legitimate and legal. Yet JPMorgan Chase whom acquired XXXX XXXX XXXX and XXXX XXXX XXXX at the same time the USDA GOVT BOND funds disappeared. This information was reported to the state of California. 18 U.S. Code $ i961 Section 1028 ( relating to fraud and related activity in connection with identification documents ), section 1029 ( relating to fraud and related activity in connection with access devices ). XXXX XXXX at the time was located in XXXX MI, and XXXX XXXX located in XXXX XXXX XXXXXXXX, whom are the experts in manufacfuring, lean manufacturing and infrastructure. XXXX XXXX was the banking expert in appropriating funds for the funding investment, and XXXX XXXX worked along side XXXX XXXX andXXXX XXXX to secure the investment funds. XXXX XXXX and her assistant met us a XXXX XXXX located at ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, CA XXXX ... .with myself XXXX XXXX XXXX the creator and CEO Chairman of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX my assistant XXXX XXXX XXXX . She XXXX XXXX took a flight from the XXXX XXXX to XXXX XXXX California the summer of XX/XX/XXXX XXXX XXXX XXXX attended the meeting and took notes for both myself ( XXXX XXXX XXXX ) and XXXX XXXX. The notes where later emailed to everyone involved as listed within this document. A conversation came up about the legitimacy of their bank dealings with XXXX XXXX XXXX and how would the funds be released if they exist? XXXX XXXX via XXXX XXXX emailed me the BOND CUSIP numbers and other information via email on multiple occasions. ( see email attachment ). Thereafter receiving the BOND and CUSP information we investigated and asked a friend of XXXX XXXX XXXX ( XXXX XXXX ) whom was a broker look into it, and she was astonished and very surprised that we had access to this direct information. She stated that if it was n't real there would not be a CUSP number attached for this is how they track and keep account of all BONDS or investments notes. So we where convinced of the legitimacy and began documenting the contract. I have received multiple emaiis and phone calls from XXXX XXXX and XXXX XXXX assuring me that the USDA BOND was secured and in my companies name but a working came through and she continued for a second and third time sending me emails about the BOND giving lessons about the finance history and the XXXX XXXX debacle. I had contacted everyone to schedule a meeting in XXXX so we could figure out what happened with the USDA BOND secured note instrument and who was involved and how we could gain the funds back from whom ever taken it. Only XXXX myself and XXXX XXXX attended the meeting. Everyone else would not answer their phones. At this point XXXX began calling claiming to hold the investment instrument on the mortgage that was recently paid off. They used such tactics like calling XXXX in the morning and well after XXXX at night. They also contacted family and friends in other states claiming we do n't like to pay our bills. Yet someone inside of the bank had taken the USDA GOVT BOND and somehow convinced others that the USDA documents that stated \" pay to the order of the United States without recourse '' was not real. After being embarrassed by such illegal tactics and the disappearance of the USDA GOVT BOND, we began doing research and investigating the issues that seemed to be tied together that being the payoffof the mortgage and the disappearance of the USDA BOND. We had expressed on multiple occasions that the USDA GOVT BOND was real when the bank JPMorgan said it was n't before being educated with the first claim filed on XX/XX/XXXX. We also stated on multiple occasions in affrdavit and in letters that we did not sign or re-sign any documents with XXXX XXXX XXXX d.b.a XXXX XXXX XXXX aka XXXX XXXX XXXX. Since XXXX XXXX the CUISP # USDA FUNDS disappeared as well all of the XXXX XXXX XXXX XXXX XXXX XXXX employees along with it. XXXX XXXX made an attempt to warn me by sending the emails concerning the BOND itself. She simply stated \" I am trying to help you '' without exposing whom took the funds. She then tried to distract me with statements concerning the XXXX XXXX Debacle and offers of a new investor. Home land mortgage broke into our home the year XXXX while we where visiting and looking to relocate to XXXX GA. The alarm system records state that someone had entered the house via a upstairs window. Later we would received multiple photos take by XXXX XXXX around the same time. We have tried multiple attempts to do a loan modification with NACA and other outside agencies rathe XXXX XXXX would not work with us or they stated that the investor ( XXXX ) did not want to do a loan modification because our household made too much money and we could affiord the payments they had set up even though we had proven that we had no contract with them through XXXX XXXX XXXX d.b.a XXXX XXXX XXXX aka XXXX XXXX XXXX. The statute of limitations on \" Theft, forgery, arson, securities act violation, business fraud or deceit : is 4 years, the securities act violation theft and fraud was discovered XX/XX/XXXX, business fraud discovered XX/XX/XXXXXXXX59 is felonious, section 664 ( relating to embezzlement from pension and welfare funds ), sections 891-894 ( relating to extortionate credit transactions ), section 1028 ( relating to fraud and related activity in connection with identification documents ), section fi29 ( relating to fraud and related activity in connection with access devices ) section 1343 ( relating to wire fraud ), section 1344 ( relating to financial institution fraud ). The mere fact that the BOND and TRUST is located within the same state as your company XXXXXXXX XXXX XXXX XXXX XXXX. The deal with XXXX XXXX XXXX originated with employee XXXX XXXX offrce located in XXXX XXXX XXXX, also with XXXX XXXX employee XXXX XXXX inXX/XX/XXXX. Thereafter before the BOND disappeared XXXX XXXX began emailing the actual BOND to myself and other business associates via internet and communicated via cell phone and land line this makes your companies both XXXX and XXXX XXXX the culprits and assessors to this theft and fraud crimes committed across state lines. The idea of \" no jurisdiction '' is highly irrelevant and provides proper jurisdiction by way of the R.I.C.O ACT as explained within this Affidavit document. The point that a crime was committed via across state lines using telecommunications emails cell phones and meetings in person within several states. Employees from several of your companies conspired against my person and company to fraud theft the $ XXXX which I was told that the funds would not be available until after the maturity date, which was XX/XX/XXXX by this time all contacts had been cut offby XXXX and XXXX XXXX. This is simply a conspiracy to fraud theft the funds used my company 's legitimacy to gain access to the {>= $1,000,000} ( XXXX XXXX ) dollar bond and destroy my name company 's reputation with the communities involved and to destroy and injure me with the Mortgage fraud. The idea to injure me beyond capacity and repair by committing theft on the BOND ( $ XXXX ) via XXXX XXXX XXXX, create a mortgage by way of acquired mortgage company XXXX during the crash of the market would allow an illusion of a crash ( housing market ) hiding the other facts of the contract deal between XXXX XXXX XXXX and my company XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. This idea of waiting to release funds thereafter the maturity date after XX/XX/XXXX would allow this to go unnoticed to many but we kept our eyes on this entire move. I. The fact that XXXX XXXX became the investor of an alleged mortgage alleging that both XXXX XXXX XXXX and I XXXX XXXX XXXX signed with a company that never possessed a license to be involved with servicing and mortgages monetarily is fraud and a conspiracy. il. When XXXX XXXX XXXX XXXX Manager at XXXX XXXX XXXX XXXX located in XXXX XXXX , and XXXX XXXX of XXXX XXXX XXXX located in XXXX XXXX XXXXXXXX , began ignoring my calls after thereafter XX/XX/XXXX as they told me to be patient as we where approaching the maturity date, simply justify conspiracy without explanation of what had taken place, remember XXXX XXXX warned me via email approximately XX/XX/XXXX by sending the actual copy of the BOND TRUST NOTE. The fact that my business associate XXXX XXXX, XXXX XXXX, explained to me that all communications where suggested to be cut offfrom everyone frorn New York with myself and my company as of XX/XX/XXXX. \" Both XXXX XXXX and XXXX XXXX changed their information on XXXX whereas we have communicated in the past. XXXX XXXX has no acknowledgment of being employed with XXXX XXXX whereas years before she boasted on her website of being highly ranked and employed by XXXX XXXX XXXX. Her new status is As a well recognized expert in strategic global marketing communications and investor relations, I have developed branding and marketing strategies for insurance/reinsurance, investment banking and other professional and financial services companies that enhanced these organization 's ability to achieve their strategic objectives. I 've also lead global communications functions including traditional media, social media and internal comms for brands such as the XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ''. Whereas before this year XX/XX/XXXXshe was an investment banker \" XXXX Managing Director at XXXX XXXX XXXX XXXX. Headed Investor and public relations for a multibillion dollar global investment bank ''. m. All of the former persons involved from the east coast has deleted me as a friend on social media as well XXXX ry. XXXX XXXX formerly of XXXX XXXX XXXX CA, as well formally of XXXX XXXX XXXX d.b.a XXXX XXXX Funding whom had no license personally contacted us on several occasions concern the fraud and alleged mortgage as of XX/XX/XXXX where she threatened to cali police if i appeared at their office location in XXXX XXXX CAto deliver the Right To Cancel Documents on XX/XX/XXXX thereafter calling XXXX XXXX XXXX at her job in XXXX CA trying to convince her to keep the refinance agreement and do n't cancel it. Now employed with XXXX XXXX XXXX  XXXX XXXX since Site Training Manager XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( 2 years ) | XXXX XXXX AZXXXX  Manager promoted from J.P. Morgan XX/XX/XXXX XXXXXX/XX/XXXX ( 9 years 9 months ) whom worked for XXXX XXXX d.b.a XXXX XXXX XXXX  approximately XX/XX/XXXX- XXXX before the California Corporations Commissioner forced them to stop doing business in the State Of California. This is no coincidence at all. XXXX XXXX obtained our information from XXXX XXXX and we met her face to face XXXX XXXX to go over upgrades for our new home. She also changed her linkedin.com account page from being employed with XXXX XXXX and XXXX. Site Training Manager JPMorgan Chase XX/XX/XXXX - XX/XX/XXXX ( 2 years ) I XXXX, AZ Training Manager J.P. Morgan XX/XX/XXXX - XX/XX/XXXX ( 9 years 9 months ) no mention of XXXX XXXX XXXX nor XXXX as of XXXX. Funding. XXXX XXXX XXXX formerly of XXXX XXXX XXXX d.b-a XXXX XXXX XXXX and presently with JPMorgan Chase Bank as XXXX XXXX Operations Senior Specialist at  JPMorgan Chase currently employed. XXXX, Louisiana Banking. When we asked if the loan was legitimate via proof of verification your company employees stated that we should do a loan modification rather when we applied they refused stating that the investor was not interested in us saving our home nor interested in doing a true and real modification because we requested verification of a alleged loan. Attempting to force us out of the home knowing we and or I would lose everything with no were to go and nothing to build upon. VI. Caused XXXX VII. Caused distraught relationships between myself my mate friends in laws and family members. VIII. Caused riffs in business relationships with others in XXXX, XXXX and other countries. IX. Forced us into a whole of debt unforeseen X. Caused more pain and suffering than you could imagine XI. Deskoyed my quality of life XlI. Destroyed the opportunities for job creation within the United States OfAmerica. XIII. XXXX XXXX once a friend on XXXX rather she changed her XXXX page information and friendship as well blocked me from friendship on XXXX account for we were once friends. XIV. XXXX XXXX was once my friend on linkedin.com rather she changed her information and blocked me from friendship. XV. Prevented my clothing line opportunities with manufacturers in XXXX and other countries. XVI. Prevented me from becoming a Billionaire through my business negotiation models designs creations music and inventions. XVII. This injuries caused others to take form my ideas in fashion designs lean manufacturing theory ( s ) with multiple designers and manufacturing companies repeating my company model. INJURIES CAUSED ' Theft of CUSP BOND US GOVT $ XXXX ' Copyright Theft TXU 881-f09 ' Theft of DTINS number XXXX Destroyed my company, name reputation within various communities and countries. o ldentify theft of XXXX XXXX XXXX.. . ... . Hindered business opportunities world wide and locally nationally. Destroyed my household, neither of us could obtain gainf, rl employment thereafter the damages the false reporting to our neighbors and family close friends. Sabotaged a faise mortgage destroying our credit with no history of XXXX XXXX ever being reported on either of our credit records as of XXXX to current. Stressed XXXX XXXX  XXXX to the point she had XXXX XXXX Destroyed our relationship and trust Destroyed opportunities of ever obtaining further deals to recover from the XXXX XXXX Debacle. Created a Mortgage of insult ignoring all the evidence presented to your employees whom had to check with higher authority to clear or except the evidence as fact. Never producing an original document or promissory note. Your own employees contradicted this alleged mortgage stating there where no records of this loan mortgage etc, .. via promissory note, microfiche or any other format. XXXX I 've never herd of microfiche until XXXX via XXXX XXXX XXXX XXXX.","date_sent_to_company":"2017-07-26T13:33:41.000Z","issue":"Money was not available when promised","sub_product":"Domestic (US) money transfer","zip_code":"93536","tags":null,"has_narrative":true,"complaint_id":"2584080","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2017-07-24T23:11:53.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Destroyed my household, neither of us could obtain gainf, rl employment thereafter the damages the false <em>reporting</em> to our neighbors and family close friends. Sabotaged a faise mortgage destroying our <em>credit</em> with no history of XXXX XXXX ever being <em>reported</em> on either of our <em>credit</em> records as of XXXX to current. Stressed XXXX XXXX  XXXX to the <em>point</em> she had XXXX XXXX Destroyed our relationship and trust Destroyed opportunities of ever obtaining further deals to recover from the XXXX XXXX Debacle."]},"sort":[6.3456593,"2584080"]},{"_index":"complaint-public-v1","_id":"3535088","_score":6.3245406,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am a XXXX year old mother. As many of us do at some point in our lives, well trying to push past hard times in life. Stay strong and be a good person as best I can and keep holding on to the equal respect we all as humans Deserve. My complaint is on all that uses this credit system as a whole. equally I am leaving no one out. If you base all on this score that can make the good look bad and the more fortunate look perfect. I try very hard to so .this credit thing, and tho in my younger days I will admit I was to Nieve to grasp the idea I do understand the concept provding more chance of accomplishment on the creditor and XXXX  . This alone I great give the respect to be fair and treated as well as the next I am all for this. Yes give me the  opportunity. If a mistake is made we are all human with errors but should be still giving the chance as well as the choice to fix. And sow again .... This allowing us to give the option to say \" I came, I saw.. \" well you get the point.. \nFor months now I think I have been on this repetitive looping error I see know as your credit score. Granted before I understood how credit worked I did order from XXXX and when my problem with my product was not acknowledge I kinda threw the now oversized computer paperweight aside and fought with my ... let 's just say not a good phone that I just purchased from XXXX well yes I didn't feel that that bill in life was important due to the fact that I had to buy another phone and the computer didn't even have a hard drive in it when it came. Yes I chose to keep going not just suffer and be ignored of my concerns and continue to pay to be ignored or looked less apone because well I am on disability so I only got so much money as is and at the time I still had rent and bills to pay as well. \nThis I may have been wrong but that one thing has made my whole credit experience almost impossible since it's like one of the few things even reported to my credit it not only has a charge of since it was sold to a creditor. But it also claims late on payments Wich was not me as well I had my payments for everything set up to come right out of my bank account sadely now that I think about it academy bank has also caused me alot of grief not to mention extra charges due to overdraft fees late ect. \nBare with me I don't understand this if I collect a disability cheeck and it is in my bank direct deposit every month and things are set up to take there part each month out. Then how am I responsible for the payment not being received.. or be charged because of it. If the check comes and an agreement is made to take an amount out each month there should not be an issue. Well I guess if the banks system goes down or it hits over a weekend or some kind of excuse to hit me with the It's your fault pay for it excuse.on my credit report it claims late payments on a loan threw academy bank because of a bank error not once but twice there system did not get the payment and I was held responsible with extra fees for whatever the reason was.. I have payed more in fees threw XXXX XXXX  then I honestly would like to admit and I stayed with them for many years believing I was in good hands when in the end I felt robbed of most of my disability checks due to fee cost and bank errors /problems that alternatively effected my credit score not to mention those pointless hard inquiry s that hit each time I try to get any kind of credit and someone wants to go to my score to only see I have no open acciuntsvor it's to new account or my late payments and XXXX issue oh wait I already get dinied the past eight months or more I lost count .I have applied over and over again for a loan. Knowing I can easily make a XXXX $ payment at the most ever month no matter what I just needed the help of a lump sum to take off the amount if stress I had in life a lot the time. Unfortunately everywhere denied me unless it was some scam they always said yes that's how I new they we're back before they even tried seatting need up with the task I needed to do for a loan I will never get. Tho I do admit they almost got me a few of my desperate times I really honestly needed the help not just to stay on top of things. Like when I was living in a camper that was flooding because of a rain storm a simple loan would of helped me with repairs replacing or even getting into an apartment.but no my score my score my score. Or recently in XXXX when my father in-law died and we got stuck with property taxes and bills. And ... Well let 's say I now own a home but I lost my storage because I had to chose to pay the property taxes left from my father in-law to keep the house or pay in my storage unit I had been paying on the past eight years waiting to get into a home big enough for my things.. ironically I now have a home payed for free and clear but I lost my storage unit and still can not get a loan because of my score even tho I now don't have the responsibility to pay rent every month ... you would think my chances of receiving a loan would increase beings I can afford more on monthly payment if I received a lump soon to take care of the things I most desperately fir my own XXXX XXXX honestly just want to take care of. But was denied due to. Well you get the picture it's the same thing over and over again I even tried a mortgage threw XXXX XXXX and also got denied because my credit is only XXXX mind u XXXX dye to more inquiring on what I just exsplained.. ooh and the initial asking for any for of credit in the first place..I have now giving up on getting a loan or mortgage because I'm not allowed to. For whatever reason they can come up with even though I am more the happy to agree to a monthly payment for the rest of my life for all I care I really could of used the help and fir it being so fair i sure got denied without any leeway of bettering my self and or future. Guess I'm not as fortunate as others who may of had that backup pillow in life to fall on. I can only say I've been willing to better myself if giving the chance and also being understanding to error rather it be mine or a machine that calculates my exception s in life. \n\nI was working in my credit using a XXXX XXXX XXXX card and I do so much thank them for trying and giving me a chance when so many denied before even looking my direction I tried to use my credit card to build my credit. I understand the rule of 30 % to build but when know one will give you a loan and hard times are happening I was very tiered of feeling the pain of life and wanted relieve and XXXX XXXX gave me XXXX $ to use every month and I used it every bit of it.i needed to build my credit and I figured out the most awesome way I would use my credit card to pay up on my storage I had falling behind on and everything will be ok.. well I was wrong unfortunately if u need your credit asap then you make a payment over the phone with will post normally the fallowing day. I need to pay storage every month as well as a few other things so I set up automatic payment to pay off my credit card. This was a big mistake because this can take up to seven days to cancel out if needed and the automatic bill still gets sent threw if you happen to need to cancel it so u can use the little money you have to still pay it yet receive the credit in time to pay off a storage unit saving it from heing auctioned off.. well I cancelled and was Abel to pay and save my storage. But the automatic still went threw Wich at first was ok then my father in law passed away. And I didn't receive the notices saying my check didn't clear from my bank Wich at the time I was getting rid of because of all the extra charges in the first place .. anyway it was a difficult few weeks. But by the time I was contacted and told I needed to make a payment to my credit card I had no problem with thinking that I would pay off my XXXX $ all art once like I did every month and receive my credit and go pay my storage. I pay the creditor and ask when my credit would be available and I was then told my account was closed due to failure to pay even tho every month I payed off my whole credit bill I used every month in full XXXX giving no regards to this as well as no credit towards looking reliable to make payments to the credit agintcy.. I was basically told thanks for the last dollar to your name have a good day and had no way to pay anything on my storage unit... I am having a hard time mentally dealing with losing my storage unit I worked hard to keep for years just to place in a stable home that I now have a storage unit containing my childhood memories as well as my children 's birth certificate s memories as well.. all because u had to work on a score to let other people Kno they can give me credit and I will follow rules as my thanks and appreciation beings we are all treated equal or as said equal opportunity .... I still got not one loan a email full of fake accept notices that only deny me as soon as I fill out the same form over and over again.not one open account cause once again a computer system auto screwed me so I have no credit and now lost my storage unit less then a week ago because I had to chose to pay taxes on a home my family needed I needed .yet as not helped to get the payment to save my storage I tried so hard to get in a home of my own ... I've giving up on credit loans banks morgages..help in general.. I guess I'm sapst to live depressed in hard times XXXX XXXX  type of life with nothing left to even say I made it this far with in life but if by chance I can help bring awareness to the deptemental inpact that honestly is involved in this credit score pecking order of help and assistance then I hope someone will give that help to someone who desperately needs it and may good things come to the Ines who sees past and finds those if us who needs the help and are good honest people willing to only help and better themselfs as well.then please don't make anyone go threw the embarrassing moments of constant denieals or being forced to exsept that no one will give you credit because of your credit that may have been miscalculated making it unfair in the first place. Tonight I thought it would be nice to get a diy electric guitar and bass kit the ones you build yourself I even thought financing them would build my credit in turn give me a new start on something of my own to have as well as something to due in my quiet time in life because I'm an XXXX I lose to play and it all sounded like a great idea beings I just set here in this house now wishing I had my things in storage. I found a place and applied for the credit to do this .mm and was denied I wanted to just cry drowning in my own tears type of feeling then I seen this complaint section. After all I have went threw this past year due to this score thing.. I had to say my peace before I give up on it completely. I don't think I will ever have faith in anything that containers the false hope of fairness in this life if it contained the words credit score .. or credit in general I hope this helps some one somewhere if I may have brought apone any type of awareness to the idea of helping your fellow man being that helping hand that good person those try to claim behind all these helping hand creditors.i wish those who give those who are trying a bad name or deniel find a way as well to better there ways of life so we all as a whole can live in good standings amongst one another.. I do hope my voice can be taken or read in to consideration that will make me feel better beings I have been looked down apone and treated unfairly do to all this beat regards to who ever climes the score next Sincerely XXXX XXXX. \nP XXXX please excuse misspelled words and any punctuation I just typed and its alot to say as well as stressfull not to mention this late at night I only did my best to what was asked of me to do. To whom it may concern thank you for giving me the time.. I appreciate it. If only you could get credit in life for things like that then maybe it would be fair","date_sent_to_company":"2020-02-18T09:54:06.000Z","issue":"Excessive fees","sub_product":"Credit repair services","zip_code":"810XX","tags":null,"has_narrative":true,"complaint_id":"3535088","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Credit Council Corp","date_received":"2020-02-18T07:33:40.000Z","state":"CO","company_public_response":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","sub_issue":null},"highlight":{"complaint_what_happened":["As many of us do at some <em>point</em> in our lives, well trying to push past hard times in life. Stay strong and be a good person as best I can and keep holding on to the equal respect we all as humans Deserve. My <em>complaint</em> is on all that uses this <em>credit</em> system as a whole. equally I am leaving no one out. If you base all on this score that can make the good look bad and the more fortunate look perfect."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> <em>repair</em> services, or <em>other</em> personal consumer reports"],"company":["<em>Credit</em> Council Corp"],"sub_product":["<em>Credit</em> <em>repair</em> services"],"company_public_response":["Company believes <em>complaint</em> caused principally by actions of third party outside the control or direction of the company"]},"sort":[6.3245406,"3535088"]},{"_index":"complaint-public-v1","_id":"3772336","_score":6.157553,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I am a victim of Wells Fargos shady business practices. I am only one of  many. This is my story. \n\nBack in XXXX, Wells Fargo illegally put CPI insurance on my auto loan, then they repossessed my vehicle when I couldnt pay the bloated payments. I recently learned that there was a class action lawsuit against them in regards to that issue. They lost the case and were ordered to pay class action members millions of dollars. I was a member of that lawsuit. This is how those events have impacted my life. \n\nBACKGROUND It would be difficult to explain the impact that the criminal actions of Wells Fargo have had on my life without giving personal context. Please bear with me as this isnt my strong suit. \n\nAt the time that Wells Fargo came into my life, I was a young, single, working mother with XXXX small sons. Previously, I had worked as a XXXX, then a XXXX XXXX, but a few years prior, I had taken a XXXX job in a different field that provided better pay and benefits and allowed me to rather quickly work from living in subsidized housing, to paying my own rent in a townhouse, and then to being approved for a government program that helped you buy a first time home. My American Dream was almost complete. All I had left was to get out of the jalopy I was driving and find something more reliable. Enter Wells Fargo, the wolf in sheeps clothing. \n\nTHE PURCHASE For months, everyone I knew kept telling me I needed to get a better, newer car, but even though the one I had was nickel and diming me to death, it was paid off and I liked that. I had no monthly car note to pay, and I didnt have to carry full coverage insurance on it. I liked the small cushion of comfort I had at the end of each paycheck and was hesitant to give it up by financing a vehicle, but then one day the junker unceremoniously decided to give up the ghost on the way to work and I knew the time had come. So I found a used car dealer nearby that had an older SUV ( it was a XXXX and this occurred in XXXX ) that seemed like a decent fit. It had room enough for the kids and the payments wouldnt break the break or so I thought. \n\nTHE BREAKDOWN I barely had time to relax into the experience of moving into a new house and getting a decent vehicle when things started going south. Only a couple months after I signed the loan, my safe, reliable vehicle took a spectacular XXXX. The transmission went out, apparently causing a lot of damage when it did, and the repair bill was nearly {$4000.00}. The dealer refused to help ( yes, I was naive enough to think they would ), so I was forced to borrow money so I wouldnt be left without transportation. I had to get the kids to daycare and school and I had to get to work. I didnt have anyone to help with that. I had no choice. \n\nSo I got the vehicle fixed and was left stretching to pay all these extra expenses, but I was getting by. However, very shortly after, without warning, my auto loan payment amount spiked. I had no idea why, so I called Wells Fargo. The explanation I got was as clear as mud, but basically I was told that this was just a new requirement for me. I was led to believe it had something to do with my credit getting worse. I was never once asked for proof of insurance. In fact, I dont recall ever even being asked if I had any. ( If I had been, it would have been simple for me to provide proof at that time. ) So though I didnt like it one bit, I didnt question what I was being told too much because my credit HAD gotten worse since I had acquired all this new vehicle-related debt, so I guess it just seemed plausible to me. XXXX, but plausible. Like I said, I used to be pretty naive - I knew that businesses were in it for the profit, but I believed that companies were, for the most part, at least on the up and up. \n\nSo I was left thinking that this was simply a new company policy that I couldnt fight, it was out of my control, and that I would simply have to figure out how to make it work. I tried desperately to do just that. I stopped paying other bills so I could cover the car note. After all, if I couldnt get to work, I couldnt keep the household afloat. \n\nAs time went on, I just couldnt figure out how they arrived at their figures. It seemed like I was always behind with them, and I didnt even know how it had happened. I mean, I had always paid all my bills - the important ones, anyway. House, heat, car, insurance, etc. Now, I was suddenly, inexplicably delinquent no matter what. If I tried to talk to them, they treated me like I was a criminal just trying to lie to get out of trouble. For all their threats and strong arming though, the one thing they did not tell me was that I could be in danger of losing the vehicle. \n\nTHE REPOSSESSION And then I woke up one morning, not long after, and went to run the trash out before I got ready for work and the truck was gone. I was literally so shocked that I just walked back inside and sat down on the couch. I couldnt get my head around what was happening. Eventually, I came out of it a little and called my mom crying, saying my truck had been stolen. She told me to call the police. When I called, I dont know how they knew, but they were the ones who told me it was repossessed. I still just couldnt believe it, but I called around until I found out that it was true - my car had been repossessed. I asked to get my personal belongings back ( my only coat and my sons school bag were in there ), but was told that I would have to pay all the past due charges and the repo-related fees first. I couldnt even buy a cup of coffee at that point, so I didnt get my belongings back and never saw the vehicle again. \n\nTHE AFTERMATH Even now, after I have had so much time to reflect, its hard for me to describe the state of disbelief I was in. Things had escalated so quickly, and I had been TRYING the whole time, I wasnt being non compliant or uncommunicative - I didnt just take the car and run and not make any payments - so I never believed they would go from loan signing to repossession in such a short time.. How did that benefit them? I still dont understand that part. The car was supposedly sold at auction for a considerable loss ( they told me I still owed {$8000.00} after ). Why take it away from someone who was at least trying to make all the payments you demanded and instead pay all those extra costs to the repo man, the auctioneer, etc. and not even recoup the sales price? That part makes what followed even more difficult to swallow. I know that, in the great scope of things, what I experienced was minor ( even knowing what was yet to come ) compared to the trauma and devastation that some people face in their lives, but to say that my life imploded all because of this one incident isnt much of an exaggeration. \n\nNow I had no car and I worked on the outskirts of a town with a woefully inadequate public transportation system. It was too far to reasonably walk, and even if I could, what would I do with the kids? I didnt have enough friends or acquaintances with schedules that matched mine who could drive me around. So I couldnt get to work consistently. In a situation like that, it doesnt take long to point out of even a generous attendance policy. Which is what happened. I lost my job. I had never been let go before. \n\nNow I had no car and no income. I couldnt transport my children where they needed to go. I couldnt get to stores, appointments, doctors. Even if the places were on the bus routes, I didnt have bus fare. Especially for all three of us. You even needed a car to apply for state aid - in those days there weren't any online applications. I couldnt pay my bills. My power ( and heat ) was turned off. That had never happened to me. I couldnt keep my children warm or cook for them. I couldnt pay the housing bill and was kicked off the home buyers program. I lost the house. \n\nNow I had no car, no income, and no place to live. I had nowhere to go except a shelter or a relatives couch. I chose the couch, but I still couldnt take our belongings. Even if there had been room, I had no way to transport them. Since we could only pack very few things, I didnt waste space on paperwork ( like auto insurance documents for a vehicle I no longer owned ). That would just take up space where I could put one more of my little boys beloved stuffed toys. Pay attention - that little detail comes back to bite me. \n\nAs I have said, we have a small, XXXX family unit anyway, but help from the few people I did have around was even less forthcoming because they all found my story so unbelievable that they just couldnt believe that I hadnt just been somehow grossly negligent and brought this all on myself and so, in turn, upon them. Apparently, in their minds, it was easier to believe that I had suddenly completely stopped being the responsible person I had a history of being and just I dont know goofed off? I guess I wasnt the only naive one around. \n\nFor those of you fortunate enough never to fall into a hole, let me tell you - it is a whole lot harder to dig yourself out once you hit bottom. Its not as simple as just getting to work digging. There are suddenly so many more obstacles down there. I couldnt get a job because I had no car, I couldnt get a car because I had no money. I couldnt get a house because I had no income and bad credit. I couldnt go to interviews because I had no transportation, no clothes, no self-esteem, not even a phone to schedule them. I had no phone, no internet, no hope. My XXXX  health conditions worsened - I have had XXXX XXXX since I was XXXX years old and have XXXX XXXX. I was XXXX, XXXX, and XXXX from XXXX ( later diagnosed ). \n\nYou may notice that one topic is mostly absent here - the impact on my children. I will not be discussing that topic. Dredging up the memories of that time is already costing me a lot - whether or not anyone feels it is justified or not, I am emotionally wiped by this exercise - trying to explain the damage to my children is more than I can bear. The pain, guilt, and shame is too much. If you must, just imagine what it would be like for your child to wake up and suddenly lose everything they held dear and made them feel safe - their house, their beds, their toys, their computer and games, their dog. They cant go out anymore, but they have no real place to be. They have to be quiet and cant move around much inside, but its a dangerous neighborhood outside. And their mom isnt the same person anymore. Shes sad and mad and sick. ... Yeah. Imagine that. \n\nTHE UPSWING And so we went on like that for almost three years until I finally was able to secure an entry level position at a nearby call center. It wasnt my field, but the office was in the neighborhood. I took the bus and showed up in the only clothes I had - ripped leggings that smelled like cat pee from the couch I slept on - and sat in a plush conference room at a vast mahogany table across from the fully-suited owner of the company and XXXX  my way through the interview. I got the job. It was XX/XX/XXXX. \n\nIn XX/XX/XXXX, the landlady of the house next door to where I had been staying agreed to give me a chance now that I had steady income, despite my terrible credit. Afterall, I had a repossession on my record, you know. \n\nIn XX/XX/XXXX, I bought another car. My first since the repo. Bought it outright. Paid a whopping {$600.00} for it. It was a rust bucket, but it was mine. \n\nIn the fall of XXXX, a year after I was hired in, I was promoted. I was now assistant to the president of the company. My income improved. So did my outlook. I started planning. I started attending college online. I made a three year plan to get out of the ghetto and buy my first houseagain. \n\nBy the end of XXXX, I had paid off most of my debt - over {$11000.00}. I was working with another home buyers program which included educational classes and debt counselling. They liked where I was heading. \n\nIn XXXX of XXXX, I got the keys for our second first house. And it is a nice house. In a nice neighborhood. My kids can feel safe and secure here. And even though they arent little boys anymore ( they were XXXX and XXXX then ), I set to work trying to repair some of the lost trust they had in the world. \n\nLASTING EFFECTS In XXXX my XXXX  flared up and worsened to the point that I had to give up my job. When that happened, I was thrust back into the position where I was unable to pay my bills and my home stability was threatened, and that triggered my XXXX from the previous trauma from the Wells Fargo incident. My symptoms were so severe that I ended up hospitalized. After release, I spent more than a year in therapy working through those issues, but never have been able to go back to work and currently live off of XXXX. While I did regain stability again, my life isnt nearly what it used to be. I am no longer the active, vital member of the community and workforce that I used to be. My confidence is gone, my tolerance for stress is greatly diminished, and I am plagued with bouts of XXXX. My childrens lives and personalities have been irreversibly impacted. For example, one of them, still to this day as an adult, has food hoarding issues resulting from the days in his formative years when his next meal wasnt guaranteed. \n\nTHE RELAPSE Just when I thought I was back on an even keel, out of the blue in the fall of XXXX, I received a letter stating that I was a member of a class action lawsuit against Wells Fargo for their unlawful application of XXXX to auto loans. The letter gave the date of my original loan as XX/XX/XXXX. I did some research online and was surprised to discover that my experience wasnt isolated. You might think that the news would be welcome, but at the time, I was just upset that they had come out of the woodwork to victimize me again by making me relive those memories all over again. So I put the letter in a basket and ignored it for some time. \n\nTHE LAWSUIT : A TIMELINE On XX/XX/XXXX, I decided to call the number on the class action notice to find out more. I was told that no action on my part would be required and that checks would be issued through late XXXX and early XXXX. \n\nDuring the winter of XXXX, I saw online that some people were being asked to provide proof of insurance coverage, but I had read that my state ( Michigan ) was one of the five states exempt from needing to provide proof of insurance, so I thought that was why I didnt receive a request for documents. \n\nI didnt hear anything more until XX/XX/XXXX when I received a letter from Wells Fargo. It said : We purchased the following CPI policy ( ies ) on your behalf because our records reflected that you did not have your own comprehensive and collision insurance coverage. CPI policy effective XX/XX/XXXX to XXXX XXXX, XXXX. We do not have record of your personal insurance coverage for this entire period. \n\nOur records show that your loan was originally sold to XXXX XXXX on XX/XX/XXXX and that XXXX XXXX no longer owns your loan ( because it was subsequently sold to a different company ). We may need to contact the current owner of your loan in order to complete additional research. If you can provide the name of the company that currently owns your loan, please call us at XXXX. \n\nThough I usually save important information, because I was forced to leave behind most of my belongings when I became homeless, I do not have proof of my full coverage insurance in XXXX. I called my insurance company and was told that they do not store records that long. \n\nOn XX/XX/XXXX, I called and opened a complaint with Wells Fargo Office of the President asking why they were demanding proof of insurance from me when I am in Michigan and supposedly exempt from that requirement. I was assigned a case number XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and an agent, named XXXX. She never answered my question about exemption. She was persistent in asking for my insurance information and I relented and confirmed who my insurance provider was at the time. Since it had been the same provider since I opened the account, I figured they already had this information, so it shouldnt be harmful to tell them. I also told the story about why I did not have records ( repossession, etc. ) and also explained that the insurance agency told me they didnt have the records on file. Since their letter asked about the debt holder, I mentioned that there should be no current loan holder as I had to pay all the collection accounts on my credit report off in order to repair my credit enough to be able to purchase my home. She did not comment, nor ask for any further information. She just told me that the issue would be escalated for review and would be resolved within ten business days, so that should be XX/XX/XXXX but that the entire process could take up to 120 days, but she would call every five days until resolved. I didnt hear back, so called for update on XX/XX/XXXX and XX/XX/XXXX and was told both times that there was no new information On XX/XX/XXXX, I received another letter from Wells Fargo. It said : According to our records, we did not receive proof of insurance from you or your insurance company for the following time period ( s ) : CPI policy effective XX/XX/XXXX to XX/XX/XXXX. We do not have records of your personal insurance for this time period. Upon account review, we determined you are not eligible for a refund. \n\n\nOn XX/XX/XXXX, To add insult to injury, I received a check from the class action settlement group, in the whopping amount of {$2.00}. \n\nOn XX/XX/XXXX, I called the Wells Fargo Office of the President and spoke to an agent named XXXX who assigned me a case number ( XXXX XXXX XXXX XXXX XXXX XXXX ) and opened a second complaint. He said that someone would be returning my call to gather details. \n\nOn XX/XX/XXXX, An agent named XXXX called and said he had been assigned to my case and asked what my complaint was. I stated that I disagreed with the denial - just because the insurance company and I dont still have records from 14 years ago, doesnt mean I didnt have insurance. The policy ended when the car was repossessed. XXXX said he was unaware that I had a repossession, that information wasnt in my account. I told him that I had told the previous agent ( XXXX ) and that she was supposedly going to investigate. He said he would escalate to his research team and that the issue would be resolved within 10 business days, but that I would hear from him by next Monday or Tuesday ( XX/XX/XXXX or XX/XX/XXXX ) for a follow up. I didnt hear back from him. \n\nIn the meantime, on XX/XX/XXXX, I called the Wells Fargo CPI Class Action Settlement group regarding the {$2.00} check and spoke to an  agent named XXXX. I asked how that amount could be correct, when the information they provided stated that individuals in my situation would receive considerably more. He would only say that there is no appeals process for distribution plan members, but that he would create an escalation and I should hear back from someone by Monday or Tuesday ( XX/XX/XXXX or XX/XX/XXXX ). He did not explain exactly what the purpose of the escalation was. I never heard back from anyone. \n\nOn XX/XX/XXXX, I called the Wells Fargo Office of the President for an update and spoke to an agent named XXXX who said that XXXX wasnt online and she didnt know his work schedule so she would send him an email asking him to get back to me. She would not provide any information about my case. \n\nOn XX/XX/XXXX, XXXX returned my call and said that the investigative team determined that there was no evidence that I had my own insurance. When I tried to discuss ( again ) the fact that just because the records werent available any longer, it doesnt mean that I didnt have insurance, he said he isnt privy to the information that the investigative team has or what they base their decision on, and that my only recourse would be to try again after you receive the denial letter. I asked about the repossession and he said they have no record of that occurring. I asked if that meant a random company just stole my truck. He declined to comment. \n\nIMPACT OF THE LAWSUIT At this point, the lawsuit has served only to reopen old wounds and revictimize me by forcing me to jump through impossible hoops in hopes of receiving a paltry monetary restitution for an error ( criminal act ) that wasnt mine only to deny me twice. I am exhausted, destabilized, and experiencing mood disruptions that are affecting my quality of life. I am also angry. Why, despite a preponderance of evidence of their criminal acts, is Wells Fargo still being allowed to victimize people? \n\nCLOSING THOUGHTS I cant for the life of me understand how a company can be caught red-handed multiple times illegally, intentionally, and maliciously victimizing countless numbers of their customers and still remain in business. In the past few months, to my dismay, I have read dozens of firsthand accounts from people who, like myself, experienced massive, life-altering damages at the hands of Wells Fargo. \n\nIn those stories, the refrain I hear most often is, I thought it was just me and I can relate so well to that statement. For years, I felt exactly the same way ; alone in this. In some small way, knowing that others have had similar experiences with Wells Fargo, brings me a sense of relief from the validation that Im not crazy, that this wasnt somehow all my fault - because, despite the fact that I rationally knew better, my story was so dramatic no, TRAUMATIC that I often convinced myself it couldnt be true - but mostly, reading their stories just makes me heartsick. Knowing what so many have suffered through at the hands of an unscrupulous, crooked bank all in the name of profit saddens me deeply. \n\nIt was suggested to me by someone who has been active in trying to help folks like me who have suffered due to the irresponsible actions of this company, that I sit down and write my testimony regarding my experience. Im not sure what good it will do, but I guess if it could possibly reach someone and make them feel less alone, then it was worth it.","date_sent_to_company":"2020-07-31T05:15:51.000Z","issue":"Managing the loan or lease","sub_product":"Loan","zip_code":"492XX","tags":null,"has_narrative":true,"complaint_id":"3772336","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2020-07-31T01:04:34.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with fees charged"},"highlight":{"complaint_what_happened":["I also told the story <em>about</em> why I did not have records ( repossession, etc. ) and also explained that the insurance agency told me they didnt have the records on file. Since their letter asked <em>about</em> the debt holder, I mentioned that there should be no current loan holder as I had to pay all the collection accounts on my <em>credit</em> <em>report</em> off in order to <em>repair</em> my <em>credit</em> enough to be able to purchase my home. She did not comment, nor ask for any further information."]},"sort":[6.157553,"3772336"]},{"_index":"complaint-public-v1","_id":"3181801","_score":5.8505325,"_source":{"product":"Mortgage","complaint_what_happened":"On or about XX/XX/XXXX, I received XXXX XXXX on my right XXXX  to repair XXXX XXXX and XXXX. Shortly thereafter, on or ab out XX/XX/XXXX, I was admitted into the XXXX XXXX XXXX XXXX XXXX after experiencing XXXX related issues. I was placed in the intensive care unit for a number a days and thereafter, released from the hospital. Thereafter, on or about XX/XX/XXXX, I was wrongfully terminated from my place of employment that I held for approximately ten years. \n\nAfter experiencing three major life-changing experiences and being unemployed, I continued to make my mortgage payments via my personal savings. Thereafter, I requested assistance from then Washington Mutual, which was later purchased by JP Morgan Chase Bank and or Chase Home Financing all to no avail. I was instructed to continue making my mortgage payments and received absolutely no assistance from either bank! Thereafter, I learned that Chase Bank and or Chase Home financing signed a \" Servicer Participation Agreement for the Home Affordable Modification Program '' ( \" the HARP contract '' ) on XX/XX/XXXX with XXXX XXXX ( see-attached document labeled exhibit A ) on information and belief Chase Home Finance, LLC also signed a HAMP contract with XXXX   XXXX on XX/XX/XXXX. \n\nWith this newfound knowledge, I demand assistance from JP Morgan Chase Bank and or Chase Home Finance with negative results. Over 95 % of the time I attempted to contact Chase by telephone, I faced long periods of holding time and whenever I attempted to leave a message with their assigned representative, the service providers mailbox would inform me that it was \" full '' and can not accept any messages. In addition, Chase routinely gave false statements by stating that my documents were never received, but failed to specify what documents. \n\nChase Home Finance stated in a letter to Plaintiff, \" A review of our records indicates that Chase made numerous, unsuccessful contact attempts in order to try and facilitate a short sale. '' However, Plaintiff taped recordings tells a different story. The recordings shows Chase Home Finance had Plaintiffs correct telephone number, but intentionally and deliberately called the wrong number to prevent Plaintiff from receiving any assistance. \n\nTheir criminal practice carried on routinely and I submitted overwhelming documents and taped telephone conversations to prove that Chase Bank intentionally and deliberately failed to assist me. They continuously and repeatedly lied by alleging they did not receive any of the my documents TO AVOID PROVIDING THE ME WITH ANY RELIEF OR APPROVE A SHORT SALE BECAUSE SERVICING THE MORTGAGE WAS MORE LUCRATIVE TO THEM THAN PROVIDING ME WITH ANY RELIEF. \n\nJP Morgan Chase and/or Chase Home Finance are intentionally ignoring a grave fact that I sent the requested documents and they INTENTIONALLY LIED by stating that they never received my documents. As a direct result, I was forced into bankruptcy, my property went into foreclosure and my requests for assistance were denied for alleged insufficient documentation. Although, I have records to disprove their false statements and prove that the documents were sent to the defendants via certified mail RR, express mail, postal mail and facsimile ( Please see attached ). \n\nChase Home Finance also state in their letter to Plaintiff, \" Indications are that the property is fire damaged. '' Plaintiff vehemently disputed defendants false accusations and obtained a letter from the City of XXXX, New Jersey Fire Chief XXXX XXXX. In his letter ( See attached ) to Chief XXXX XXXX, Chief XXXX states that there have been no responses to the property in question during the periods I owned the property. In addition, Plaintiff took numerous photographs of the property, which clearly showed that there is absolutely no evidence of fire damage. \n\nContinuing with their misconduct, Chase called me at my home telephone number and left a message on the evening prior to the short-sale. At XXXX, XXXX XXXX ( phonetic ) of Chase Home Finance called from telephone No. XXXX and left a message on my voicemail stating that the short sale would be declined due to insufficient documentations that were never submitted. Plaintiff sent the documents via certified mail, express mail & facsimile. ( Please see attached receipts ) Beginning in the XXXX of XXXX, the federal government instituted several measures to try to stabilize the housing and credit markets and assist troubled homeowners. In XX/XX/XXXX, the Emergency Economic Stabilization Act of 2008 ( EESA ) was passed to promote stability and liquidity in the financial system. Among other things, EESA authorized the Secretary of the Treasury to establish the Troubled Asset Relief Program ( TARP ). TARP funds were used, in part, to promote various mortgage loan modification programs. \n\nThese programs were, The Making Home Affordable ( MHA ) Program, Home Affordable Modification Program ( HAMP ), \" The Home Price Decline Protection Incentives ( HPDP ) initiative, The Principal Reduction Alternative ( PRA ), The Home Affordable Unemployment Program ( UP ), The Home Affordable Foreclosure Alternatives Program ( HAFA ), The Second Lien Modification Program ( 2MP ), The FHA-HAMP Program, The Treasury/FHA Second-Lien Program ( FHA2LP ), The FHA Refinance for Borrowers with Negative Equity ( FHA Short Refinance ) Program, Housing Finance Agency Hardest Hit Fund ( HHF ) Despite the voluminous number of programs available, Chase Bank and or Chase Home Finance did not recommend nor offer any of the programs. Instead, they allowed me to go further into debt, foreclosure and then bankruptcy, while defendants continued profiting from servicing Plaintiffs mortgage and receiving credit from the United States Government. \n\nFurthermore, Chase Home Finance states, \" Chase did not receive the necessary documents in order to conduct a short sale review. '' Once again, Chase Home Finance intentionally and deliberately gave false statements in order to manipulate their requirements of the signed contract agreement with XXXX XXXX and other signed consent agreements with the United State government and the state of New Jersey. However, the facts will show that Chase Home Finance received their requested documents via express mail, certified mail and facsimile ( see attached documents ). \n\nChase Home Finance also state in their letter, \" Indications are that the property is fire damaged. '' Once again, this is a false statement. Attached hereto is a letter ( See attached document ) from the City of XXXX, New Jersey Fire Chief XXXX XXXX to Fire Official XXXX XXXX. In his letter to Chief XXXX XXXX, Chief XXXX states that there have been no responses to the property in question during the periods I owned the property. More importantly, I have taken numerous photographs of the property, which clearly shows that there is absolutely no evidence of fire damage. \n\nTo make it appear as though they made an effort to provide me with relief, Chase Home Finance called me at my home telephone number and left a message on the evening prior to the short-sale. At XXXX, XXXX XXXX ( phonetic ) of Chase Home Finance called me from telephone No. XXXX left a message on my voicemail stating that the short sale would be declined due to insufficient documentations that were never submitted. However, Mrs. XXXX statement that documents were never submitted is contradicted by my attached documents that prove otherwise. \n\nOn or about XX/XX/XXXX, the City of XXXX, New Jersey adopted a vacant property registration ordinance in which they began charging fees to register vacant homes ( See attached ). Unbeknownst to me, I paid the City of XXXX {$500.00} for the first initial registration fee, and {$1500.00} for the second registration fee. ( See attached documents ). \n\nOn or about XX/XX/XXXX, I responded to City of XXXX, NJ, spoke with Mrs. XXXX XXXX XXXX, and advised her that I could no longer afford to make the vacant property registration payments. Mrs. XXXX advised me to submit my statements in a letter addressed to her and as she requested, the letter was sent to her via priority mail. On or about XX/XX/XXXX, I received an email from a City of XXXX, New Jersey official, XXXX XXXX from the Department of Economic Housing Development Department. Mr. XXXX wrote to enquire about my payment of the vacant property registration fee. ( See attached ) I responded to Mr. XXXX email ( See attached ) and advised Mr. XXXX of the following : Attached hereto is a copy of the letter I sent to your office via priority mail # XXXX dated XX/XX/XXXX. It is in response to a letter from your office dated XX/XX/XXXX. Thereafter, I receive a telephone call from your office stating that Chase Bank is responsible for making the vacant property payments and that I would be receiving a refund. Since then, I have NOT received a refund or call from your office in regards to my refund, except your email in regards to XXXX XXXX XXXX XXXX on or about XX/XX/XXXX. \n\nI am XXXX and CAN NOT afford to make the payments, in addition, Chase Bank REFUSES to liquidate the property and they have refused to make the REQUIRED vacant property payments and somehow, your office is deciding to go after the XXXX person with NO FUNDS and Chase Bank has BILLIONS of dollars and refuses to pay! \n\nPlease help/assist me in resolving this matter because I can not afford these payments. In addition, I am anticipating a refund from your office, not a notice to payment with penalties. \n\n\nCoincidently, Chase Bank released their lien to the property ( XXXX XXXX XXXX XXXX XXXX, NJ ) on or about XX/XX/XXXX, in order to avoid paying the City of XXXX, New Jersey the vacant Property registration fee. Unfortunately, I was not given notice from Chase Bank until AFTER XX/XX/XXXX. \n\nChase Bank is fully aware they are responsible for making the vacant property registration payment with the City of XXXX, New Jersey, however they intentionally failed to do so. I received numerous tickets on the property and made numerous court appearances because Chase Bank refused to maintain the property. \n\nI filed a complaint with the Consumer Financial Protection Bureau, more succinctly on or about XX/XX/XXXX. ( See attached ) Chase Bank responded with THREE separate letters addressed to me, admitting they owed XXXX XXXX {$2000.00}. We previously agreed to reimburse you {$2000.00} for certain fees based on the receipts you submitted in XX/XX/XXXX. WE WERE RESPONSIBLE FOR ALL REGISTRATION PERIODS UNTIL THE LIEN WAS RELEASED. \n\nChase Bank requested that I sign a release agreement that did not include any reimbursement for my cost of cleaning up the debris, reimbursement for paid back taxes, reimbursement for travel & cost for several court appearances because Chase Bank refuse to maintain the property or have it secured, nor did the document have a date in which I would be paid for my cost, so I refused because Chase Bank was not negotiating in good faith. \n\nOn or about XX/XX/XXXX, I filed a Complaint, alleging various violations of New Jersey 's Consumer Fraud Act ( CFA ), which protects consumers from deceptive, false, or fraudulent business practices because Chase Bank refused to pay. The Complaint alleges that Defendants falsely, erroneously and deceptively, denied Plaintiff any relief with respect to his mortgage loan with the defendants. ( See attached ) Chase Bank responded by lying to the court and denying owing me any monies. ( See attached brief by Chase Bank outside attorneys ) Chase Bank denied owing me the money for the vacant property registration fees and they denied having a responsibility to provide me with any relief with my property DESPITE SIGNING CONSENT AGREEMENTS WITH THE FEDERAL AND STATE GOVERNMENTS STATING THAT THEY WOULD PROVIDE HOMEOWNERS LIKE MYSELF RELIEF! INSTEAD, CHASE BANK CHOSE TO INTENTIONALLY, WILLFULLY & KNOWINGLY LIE IN A SUPERIOR COURT OF NEW JERSEY. \n\nFurthermore, there is no right to a loan modification under New Jersey Law and a servicer can not be compelled to accept a short sale. The crux of Plaintiffs Complaint appears to be loss mitigation. It is well accepted that \" there is no right to a loan modification under New Jersey law. '' Plaintiff also claims that Chase should be required to reimburse him for fees he paid to the City of XXXX for Vacant Property Registration and expenses paid to have the Property secured and debris removed. See Complaint, Prayer for Relief 6-7. However, Plaintiff entirely fails to present a cognizant basis as to why Chase should be responsible for these fees. \n\nFurthermore, there is no right to a loan modification under New Jersey Law and a servicer can not be compelled to accept a short sale. The crux of Plaintiffs Complaint appears to be loss mitigation. It is well-accepted that \" there is no right to a loan modification under New Jersey law. '' The Banks Unfair, Deceptive, and Unlawful Loan Modification and Loss Mitigation Processes Under the States consumer protection laws, Chase Bank is prohibited from engaging in unfair or deceptive practices with respect to consumers. \nPursuant to HUD regulations and FHA guidance, FHA-approved mortgage lenders and their servicers are required to engage in loss-mitigation efforts to avoid the foreclosure of HUD-insured mortgages. E.g., 24 C.F.R. 203.500 et seq. ; Mortgagee Letter 2008-07 ( Treble Damages for Failure to Engage in Loss Mitigation ) ( XXXX XXXX, XXXX ) ; Mortgagee Letter 1996-25 ( Existing Alternatives to Foreclosure -- Loss Mitigation ) ( XX/XX/XXXX ). Thus, when acting as a servicer, Chase Bank was required to refrain from foreclosing on any FHA insured mortgage where a default could be addressed by modifying the terms of the mortgage or other less-costly alternatives to foreclosure were available. \n\nUnder the Treasurys various rescue and stimulus programs, Chase Bank received monetary incentives from the Federal government in exchange for the commitment to make efforts to modify defaulting borrowers residential mortgages. See, e.g., Making Home Affordable Handbook v.1.0, ch. 13 ( Incentive Compensation ) ( XXXX XXXX, XXXX ). Under the programs, Chase Bank agreed to fulfill requirements set forth in program guidelines and servicer participation agreements. \n\nChase Bank regularly conducts or manages loan modifications on behalf of the entities that hold the loans and mortgages and that hired the Banks as servicers. In the course of their servicing and oversight of mortgage loans, Chase Bank violated federal laws, program requirements and contractual requirements governing loss mitigation. \n\n\nChase Bank attorneys statements in the briefs to the Superior Court of New Jersey Plaintiff also  claims that Chase should be required to reimburse him for fees he paid to the City of XXXX for Vacant Property Registration and expenses paid to have the Property secured and debris removed. See Complaint, Prayer for Relief 6-7. However, Plaintiff entirely fails to present a cognizant basis as to why Chase should be responsible for these fees. \n\nIn no event shall JPMC or XXXX request or require any borrower to execute a waiver of any claims against JPMC or XXXX ( including any agent of JPMC or XXXX ) in connection with any payment or Foreclosure Prevention assistance provided pursuant to paragraphs 3 or 4 of this Order. However, nothing herein shall operate to bar JPMC or XXXX from asserting in the future in any separate litigation, or as part of a settlement related to JPMCs or XXXX XXXX foreclosure and servicing practices, any right that may exist under applicable law to offset the amounts received by a borrower through the distribution process set forth above. Nothing herein shall operate to amend or modify in any respect any preexisting settlement between JPMC, XXXX, or an affiliate of either and a borrower in the In-Scope Borrower Population. By Order of the Board of Governors. \n\nLoss Mitigation Requirements. \n\nSERVICER SHALL BE REQUIRED TO NOTIFY POTENTIALLY ELIGIBLE BORROWERS OF CURRENTLY AVAILABLE LOSS MITIGATION OPTIONS PRIOR TO FORECLOSURE REFERRAL. Upon the timely receipt of a complete loan modification application, Servicer shall evaluate borrowers for all available loan modification options for which they are eligible prior to referring a borrower to foreclosure and shall facilitate the submission and review of loss mitigation applications. The foregoing notwithstanding, Servicer shall have no obligation to solicit borrowers who are in bankruptcy. \n\nServicer shall offer and facilitate loan modifications for borrowers rather than initiate foreclosure when such loan modifications for which they are eligible are net present value ( NPV ) positive and meet other investor, guarantor, insurer and program requirements. \n\nAs indicated in paragraph I.A.18, Servicer shall send a statement to the borrower outlining loss mitigation efforts undertaken with respect to the borrower prior to foreclosure referral. If no loss mitigation efforts were offered or undertaken, Servicer shall state whether it contacted or attempted to contact the borrower and, if applicable, why the borrower was ineligible for a loan modification or other loss mitigation options. \n\nServicer shall ensure timely and accurate communication of or access to relevant loss mitigation status and changes in status to its foreclosure attorneys, bankruptcy attorneys and foreclosure trustees and, where applicable, to court-mandated mediators. \n\nSingle Point of Contact 4. The SPOC SHALL, at a minimum, provide the following services to borrowers : a. Contact borrower and introduce himself/herself as the borrowers SPOC ; b. Explain programs for which the borrower is eligible ; c. Explain the requirements of the programs for which the borrower is eligible ; d. Explain program documentation requirements ; e. Provide basic information about the status of borrowers account, including pending loan modification applications, other loss mitigation alternatives, and foreclosure activity ; f. Notify borrower of missing documents and provide an address or electronic means for submission of documents by borrower in order to complete the loan modification application ; g. Communicate Servicers decision regarding loan modification applications and other loss mitigation alternatives to borrower in writing ; h. Assist the borrower in pursuing alternative non-foreclosure options upon denial of a loan modification ; i. If a loan modification is approved, call borrower to explain the program ; j. Provide information regarding credit counseling where necessary ; k. Help to clear for borrower any internal processing requirements ; and l. Have access to individuals with the ability to stop foreclosure proceedings when necessary to comply with the MHA Program or this Agreement. \nThe SPOC shall remain assigned to borrowers account and available to borrower until such time as Servicer determines in good faith that all loss mitigation options have been exhausted, borrowers account becomes current or, in the case of a borrower in bankruptcy, the borrower has exhausted all loss mitigation options for which the borrower is potentially eligible and has applied. \n\nServicer shall ensure that a SPOC can refer and transfer a borrower to an appropriate supervisor upon request of the borrower. \nServicer shall ensure that relevant records relating to borrowers account are promptly available to the borrowers SPOC, so that the SPOC can timely, adequately and accurately inform the borrower of the current status of loss mitigation, loan modification, and foreclosure activities. \nServicer shall designate one or more management level employees to be the primary contact for the Attorneys General, state financial regulators, the Executive Office of U.S. Trustee, each regional office of the U.S. Trustee, and federal regulators for communication regarding complaints and inquiries from individual borrowers who are in default and/or have applied for loan modifications. Servicer shall provide a written acknowledgment to all such inquiries within 10 business days. Servicer shall provide a substantive written response to all such inquiries within 30 days. Servicer shall provide relevant loan information to borrower and to Attorneys General, state financial regulators, federal regulators, the Executive Office of the U.S. Trustee, and each U.S. Trustee upon written request and if properly authorized. A written complaint filed by a borrower and forwarded by a state attorney general or financial regulatory agency to Servicer shall be deemed to have proper authorization. \nServicer shall establish and make available to Chapter XXXX trustees a toll-free number staffed by persons trained in bankruptcy to respond to inquiries from Chapter XXXX trustees. \nServicer shall consider partnering with third parties, including national chain retailers, and shall consider the use of select bank branches affiliated with Servicer, to set up programs to allow borrowers to copy, fax, scan, transmit by overnight delivery, or mail or email documents to Servicer free of charge. \n\nDevelopment of Loan Portals. \n\n1. Servicer shall develop or contract with a third-party vendor to develop an online portal linked to Servicers primary servicing system where borrowers can check, at no cost, the status of their first lien loan modifications. \n2. Servicer shall design portals that may, among other things : a. Enable borrowers to submit documents electronically ; b. Provide an electronic receipt for any documents submitted ; Provide information and eligibility factors for proprietary loan modification and other loss mitigation programs ; and c. Permit Servicer to communicate with borrowers to satisfy any written communications required to be provided by Servicer, if borrowers submit documents electronically. \n3. Servicer shall participate in the development and implementation of a neutral, nationwide loan portal system linked to Servicers primary servicing system, such as Hope LoanPort to enhance communications with housing counselors, including using the technology used for the Borrower Portal, and containing similar features to the Borrower Portal. \n4. Servicer shall update the status of each pending loan modification on these portals at least every 10 business days and ensure that each portal is updated on such a schedule as to maintain consistency. \n\nLoan Modification Timelines. \n\n1. Servicer shall provide written acknowledgement of the receipt of documentation submitted by the borrower in connection with a first lien loan modification application within 3 business days. In its initial acknowledgment, Servicer shall briefly describe the loan modification process and identify deadlines and expiration dates for submitted documents. \n2. Servicer shall notify borrower of any known deficiency in borrowers initial submission of information, no later than 5 business days after receipt, including any missing information or documentation required for the loan modification to be considered complete. \n3. Subject to section IV.B, Servicer shall afford borrower 30 days from the date of Servicers notification of any missing information or documentation to supplement borrowers submission of information prior to making a determination on whether or not to grant an initial loan modification. \n4. Servicer shall review the complete first lien loan modification application submitted by borrower and shall determine the disposition of borrowers trial or preliminary loan modification request no later than 30 days after receipt of the complete loan modification application, absent compelling circumstances beyond Servicers control. \n5. Servicer shall implement processes to ensure that second lien loan modification requests are evaluated on a timely basis. When a borrower qualifies for a second lien loan modification after a first lien loan modification in accordance with Section 2.c.i of the General Framework for Consumer Relief Provisions, the Servicer of the second lien loan shall ( absent compelling circumstances beyond Servicers control ) send loan modification documents to borrower no later than 45 days after the Servicer receives official notification of the successful completion of the related first lien loan modification and the essential terms. \n6. For all proprietary first lien loan modification programs, Servicer shall allow properly borrower financials to be used for 90 days from the date the documents are received, unless Servicer learns that there has been a material change in circumstances or unless investor requirements mandate a shorter time frame. \n\nIndependent Evaluation of First Lien Loan Modification Denials. \n\nExcept when evaluated as provided in paragraphs IV.B.8 or IV.B.9, Servicers initial denial of an eligible borrowers request for first lien loan modification following the submission of a complete loan modification application shall be subject to an independent evaluation. Such evaluation shall be performed by an independent entity or a different employee who has not been involved with the particular loan modification. \n\nServicer shall not, in the ordinary course, require a borrower to waive or release claims and defenses as a condition of approval for a loan modification program or other loss mitigation relief. However, nothing herein shall preclude Servicer from requiring a waiver or release of claims and defenses with respect to a loan modification offered in connection with the resolution of a contested claim, when the borrower would not otherwise be qualified for the loan modification under existing Servicer programs. \n\nShort Sales 1. Servicer shall make publicly available information on general requirements for the short sale process. \n2. Servicer shall consider appropriate monetary incentives to underwater borrowers to facilitate short sale options. \n3. Servicer shall develop a cooperative short sale process, which allows the borrower the opportunity to engage with Servicer to pursue a short sale evaluation prior to putting home on the market. \n4. Servicer shall send written confirmation of the borrowers first request for a short sale to the borrower or his or her agent within 10 business days of receipt of the request and proper written authorization from the borrower allowing Servicer to communicate with the borrowers agent. The confirmation shall include basic information about the short sale process and Servicers requirements, and will state clearly and conspicuously that the Servicer may demand a deficiency payment if such deficiency claim is permitted by applicable law. \n\n5. Servicer shall send borrower at borrowers address of record or to borrowers agent timely written notice of any missing required documents for consideration of short sale within 30 days of receiving borrowers request for a short sale. \n6. Servicer shall review the short sale request submitted by borrower and communicate the disposition of borrowers request no later than 30 days after receipt of all required information and third-party consents. \n7. If the short sale request is accepted, Servicer shall contemporaneously notify the borrower whether Servicer or investor will demand a deficiency payment or related cash contribution and the approximate amount of that deficiency, if such deficiency obligation is permitted by applicable law. If the short sale request is denied, Servicer shall provide reasons for the denial in the written notice. If Servicer waives a deficiency claim, it shall not sell or transfer such claim to a third-party debt collector or debt buyer for collection. \n\nServicer shall develop and implement policies and procedures to ensure that REO properties do not become blighted. \n\nE. Potential Violations and Right to Cure 1. A Potential Violation of this Consent Judgment occurs if the Servicer has exceeded the Threshold Error Rate set for a Metric in a given Quarter. In the event of a Potential Violation, Servicer shall meet and confer with the Monitoring Committee within 15 days of the Quarterly Report or Monitor Report indicating such Potential Violation. \n2. Servicer shall have a right to cure any Potential Violation. \n3. Subject to Section E.4, a Potential Violation is cured if ( a ) a corrective action plan approved by the Monitor ( the Corrective Action Plan ) is determined by the Monitor to have been satisfactorily completed in accordance with the terms thereof ; and ( b ) a Quarterly Report covering the Cure Period reflects that the Threshold Error Rate has not been exceeded with respect to the same Metric and the Monitor confirms the accuracy of said report using his or her ordinary testing procedures. The Cure Period shall be the first full quarter after completion of the Corrective Action Plan or, if the completion of the Corrective Action Plan occurs within the first month of a Quarter and if the Monitor determines that there is sufficient time remaining, the period between completion of the Corrective Action Plan and the end of that Quarter. \n4. If after Servicer cures a Potential Violation pursuant to the previous section, another violation occurs with respect to the same Metric, then the second Potential Violation shall immediately constitute an uncured violation for purposes of Section J.3, provided, however, that such second Potential Violation occurs in either the Cure Period or the quarter immediately following the Cure Period. \n\n5. In addition to the Servicers obligation to cure a Potential Violation through the Corrective Action Plan, Servicer must remediate any material harm to particular borrowers identified through work conducted under the Work Plan. In the event that a Servicer has a Potential Violation that so far exceeds the Threshold Error Rate for a metric that the Monitor concludes that the error is widespread, Servicer shall, under the supervision of the Monitor, identify other borrowers who may have been harmed by such noncompliance and remediate all such harms to the extent that the harm has not been otherwise remediated. \n\nIn conclusion, Chase Bank and or Chase Home Finance has breached their contract with me, violated the terms of their various signed consent decrees with the United States and state governments and intentionally drove me into foreclosure and bankruptcy because it was more lucrative for me to fail than to provide me with any relief. \n\nJP Morgan Chase Bank sent me THREE SEPARATE letters admitting that they owe me the money for the vacant property registration and refuse to reimburse me for the back taxes, clean up & multiple court appearances. Thereafter, they hired outside attorneys to lie for them in the Superior Court of New Jersey and state that they do not owe me any money for vacant property fees and they do not have to reimburse me for any of my cost and expense. JP Morgan Chase Bank auctions are criminal! \n\nI believe I have provided overwhelming documents that proves ; Chase Bank received ALL of my requested documents and they intentionally lied and ignored my repeated request for assistance because they knew they were going to be compensated by servicing the loan AND receiving credits from the federal government. \n\nI am requesting full reimbursement and to be made whole for the following reason : 1. Full reimbursement for vacant property fees 2. Full reimbursement for paid taxes/back taxes 3. Full reimbursement for court appearances and parking 4. Pain & Suffering 5 Intentional infliction of emotional distress 6. Negligent infliction of emotional distress 7. Committing malice in their wrongful conduct 8. Breach of Contract 9. Lost of Property","date_sent_to_company":"2019-03-16T16:29:15.000Z","issue":"Struggling to pay mortgage","sub_product":"FHA mortgage","zip_code":"07103","tags":null,"has_narrative":true,"complaint_id":"3181801","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2019-03-16T15:08:47.000Z","state":"NJ","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["On or <em>about</em> XX/XX/XXXX, I received XXXX XXXX on my right XXXX  to <em>repair</em> XXXX XXXX and XXXX. Shortly thereafter, on or ab out XX/XX/XXXX, I was admitted into the XXXX XXXX XXXX XXXX XXXX after experiencing XXXX related issues. I was placed in the intensive care unit for a number a days and thereafter, released from the hospital. Thereafter, on or <em>about</em> XX/XX/XXXX, I was wrongfully terminated from my place of employment that I held for approximately ten years."]},"sort":[5.8505325,"3181801"]},{"_index":"complaint-public-v1","_id":"3535091","_score":5.7328005,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This is a resubmit only because I had been to tiered to realize all the edditing mistakes. So to understand me might be impossible. So I wanted to try this again now that I understand how this works Here is what I wrote before but now eddited .I do apologize I so sounded illiitorit due to being tiered and auto correct it is always posting XXXX 's I don't XXXX ; ) This is my issue on the fair credit and this past year I had to Indore trying to apply this credit thing to my life. Tho this all seems to be the most unfair way to live life I do say this with the most upmost respect to the situation at hand please bare with me. And try to understand my issue ... \n\n\nI am a XXXX year old mother. As many of us do at some point in our lives, well trying to push past hard times in life. Stay strong and be a good person as best I can and keep holding on to the equal respect we all as humans Deserve. My complaint is on all that uses this credit system, as a whole, equally I am leaving know one out. If you base all on this score that can make the good look bad and the more fortunate look perfect. This is who I'm speaking to ..\n\nI try very hard with this credit thing, and tho in my younger days I will admit I was to Nieve to grasp the idea ... I do understand the concept provding more chance of accomplishment on the creditor and XXXX.to weed out the overlooked more obvious This alone I understand it im provided the respect to be fair and treated as well as the next I am all for this. Yes give me the opportunity. If a mistake is made we are all human with errors but should be still giving the chance as well as the choice to fix. And sow again ... beings we weap what we sow. This allowing us to give the option to say \" I came, I saw.. \" well you get the point.. \n\nFor months now I think I have been on this repetitive looping error I see know as your credit score. Granted before I understood how credit worked I did order from XXXX and when my problem with my product was not acknowledge I kinda threw the now oversized computer paperweight aside and fought with my ... let 's just say not a good phone that I just purchased from XXXX.. well yes I didn't feel that that bill in life was important due to the fact that I had to buy another phone and the computer didn't even have a hard drive in it  when it came not to mention I couldn't get any help in my issue .so Yes I chose to keep going not just suffer and be ignored of my concerns and continue to pay to be ignored or looked less apone because well I am on XXXX so I only got so much money as is and at the time I still had rent and bills to pay as well. \nThis I may have been wrong ibsoon understood the importance of credit and what is needed and uptaind I life with it .. but just that one thing has made my whole credit experience almost impossible since it's like one of the few things even reported to my credit ... its not only considered a charge of since this debt was sold to a creditor. But it also claims late on payments Wich was not me as well I had my payments for everything set up to come right out of my bank account sadely now that I think about it ... tho academy bank has also caused me alot of grief not to mention extra charges due to overdraft fees late ect. \nBare with me I don't understand this if I collect a XXXX cheeck and it is in my bank direct deposit every month and things are set up to take there part out each month. Then how am I responsible for the payment not being received.. or be charged because of it. If the check comes and an agreement is made to take an amount out each month there should not be an issue. Well I guess if the banks system goes down or it hits over a weekend or some kind of excuse to hit me with the It's your fault pay for it excuse. Because on my credit report it claims late payments on a loan threw academy bank because of a bank error not once but twice there system did not get the payment and I was held responsible with extra fees for whatever the reason was.. I have payed more in fees threw XXXX XXXX  then I honestly would like to admit and I stayed with them for many years believing I was in good hands when in the end I felt robbed of most of my XXXX checks because most of the money went words unnecessary fees due to fee cost overdraft and bank errors /problems that alternatively effected my credit score not to mention my life not to mention those pointless hard inquiry s that hit each time I try to get any kind of credit or help and someone wants to go to my score to only see I have no open accounts or it's to new account or my late payments and XXXX issue that has been a ended issue and the account has been sold and dismissed iv even tried to dispute the issue that I had no assistance on my problem causing me to forget XXXX. As well as disputed the XXXX XXXX because I did pay that loan off in full. And the two late payments was do to academy bank computer system not taking out the money as I was told it would. \n\nI already have gotten denied the past eight months or more I lost count .I have applied over and over again for a loan. Knowing I can easily make a XXXX $ payment at the most ever month no matter what I just needed the help of a lump sum to take off the amount if stress I had in life a lot the time. XXXX wanted the lest XXXX $ and I had asked at some places who needed a bigger about 3-5000 at most I honestly cared to get ..Unfortunately i have been denied from everywhere ... unless it was some scam they always said yes that's how I new they we're a scam before they even tried seatting me up with the task I needed to do for a loan I will never get. \nOr getting my password to my bank or money to get the loan up front.Tho i do admit they almost got me a few times in my desperate times I really honestly needed the help not just to stay on top of things. Like when I was living in a camper that was flooding because of a rain storm .a simple loan would of helped me with repairs, replacing or even getting into an apartment.but no my score, my score, my score. Or recently in XXXX when my father in-law died and we got stuck with property taxes and bills. And ... Well let 's say I now own a home, but I lost my storage because I had to chose to pay the property taxes left from my father in-law passing in order to keep the house, or pay on my storage unit I had been paying on the past eight years.i had been waiting to get into a home big enough for my things.. ironically I now have a home payed for, free and clear but I lost my storage unit and still I can't get a loan because of my score even tho I now don't have the responsibility to pay rent every month ... you would think my chances of receiving a loan would increase beings I can afford more on monthly payment due to no rent to pay for .yet I cant received a lump soom to take care of the things I most desperately, for my own mental health honestly just want to take care of. But was denied due to. Well you get the picture it's the same thing over and over again I even tried a mortgage threw XXXX so we could get help on these bills we are stuck trying to catch up on since his passing and I so got denied because my credit is only XXXX mind u it now is XXXX due to more inquiring on what I just exsplained.. ooh and the initial asking for any form of credit in the first place..I have now have giving up on getting a loan or mortgage because I'm not allowed to. For whatever reason they can come up with even though I am more the happy to agree to a monthly payment for the rest of my life for all I care I really could of used the help and for it being so fair i sure got denied without any leeway of bettering my self and or future or the means to build on ... Guess I'm not as fortunate as others who may of had that backup pillow in life to fall on. I can only say I've been willing to better myself if giving the chance and also being understanding to error rather it be mine or a machine that calculates my exception s in life. \n\nI was working in my credit using a XXXX XXXX XXXX card and I do so much thank them for trying and giving me a chance when so many denied before even looking my direction I tried to use my credit card to build my credit. I understand the rule of 30 % to build but when know one will give you a loan and hard times are happening I was very tiered of feeling the pain of life and wanted relieve and XXXX XXXX   gave me XXXX $ to use every month and I used it every bit of it.i needed to build my credit and I figured out the most awesome way I would use my credit card to pay up on my storage.. I had falling behind on everything butvi believed it would be ok.. well I was wrong unfortunately i did use the while amount every month as well as payed it in full every month in hopes to raise my credit but i was never credited for such only 100 % payback That u can barely seen ona report ... i needed my credit asap so i make a payment over the phone that will post normally the fallowing day. I needed to pay storage every month as well as a few other things so I set up automatic payment to pay off my credit card. Well This was a big mistake because this can take up to seven days to cancel out if needed and the automatic bill still gets sent threw. But if you happen to need to cancel it as I had to Kno choice given the sercum stance so i can use what little money you have to still pay in order to still receive the credit in time to pay off a storage unit I had to save it from being auctioned off..might not work out and all the payment previous didn't seem to mater I cancelled and was Abel to pay and save my storage. But the automatic still went threw Wich at first was ok then my father in law passed away. And I didn't receive the notices saying my check didn't clear from my bank Wich at the time I was getting rid of because of all the extra charges and overdraftbn the first place .. anyway it was a difficult few weeks. But by the time I was contacted and told I needed to make a payment to my credit card I was told I had to pay with so I would pay off my XXXX $ all at once like I did every month and receive my credit and go pay my storage. I payed the creditor and ask when my credit would be available and I was then told my account was closed due to failure to pay even tho every month I payed off my whole credit bill I used every month in full XXXX giving no regards to this as well as no credit towards looking reliable to make payments to the credit agintcy.. I was basically told thanks for the last dollar to your name have a good day and had no way to pay anything on my storage unit... I am having a hard time mentally dealing with losing my storage unit I worked hard to keep for years just to place in a stable home that I now have a storage unit containing my childhood memories as well as my children 's birth certificate s memories as well.. all because I had to work on a score to let other people Kno they can give me credit and I will follow rules and as my thanks and appreciation beings we are all treated equal or as said equal opportunity .... I still got not one loan a email full of fake accept notices that only deny me as soon as I fill out the same form over and over again.not one open account cause once again a computer system auto screwed me and now I don't even have one credit card either so I have no credit and now lost my storage unit less then a week ago because I had to chose to pay taxes on a home my  family needed I neededyet couldn't get a XXXX $ .loan got Kno help r  helped to get the payment to save my storage I tried so hard to get in a home of my own ... I've giving up on credit loans banks morgages..help in general.. I guess I'm sapst to live depressed in hard times Ramon noodles type of life with nothing left to even say I made it this far with in life, but if by chance I can help bring awareness to the deptemental inpact that honestly is involved in this credit score pecking order of help and assistance then I hope someone will give that help to someone who desperately needs it and may good things come to the One who sees past and finds those of us who needs the help and are good honest people willing to only help and better themselfs as well.then please don't make anyone go threw the embarrassing moments of constant denieals or being forced to exsept that no one will give you credit because of your credit that may have and u can't work on or build credit if knoine allows u to and all u get is denied anyway.its a miscalculation in events making it unfair in the first place Tonight I thought it would be nice to get a diy ( do it yourself ) electric guitar and electric bass build kits the ones you build yourself. I even thought financing them would build my credit in turn give me a new start on something of my own to have as well as something to do in my quiet time in life because I'm an XXXX I love to play and it all sounded like a great idea beings I just set here in this house now, wishing I had my things in storage. I found a place and applied for the credit to do this ... and was denied.. I wanted to just cry, drown in my own tears type of feeling then I seen this complaint section. After all I have went threw this past year due to this score thing.. I had to say my peace before I give up on it completely. I don't think I will ever have faith in anything that containers the false hope of fairness in this life if it contained the words credit score .. or credit in general I hope this helps some one somewhere if I may have brought apone any type of awareness to the idea of helping your fellow man being that helping hand that good person those try to claim behind all these helping hand creditors.i wish those who give those of us whom who are trying a bad name, or deniel find a way as well to better there ways of life so we all as a whole can live in good standings amongst one another.. I do hope my voice can be taken or read in to consideration that will make me feel better beings I have been looked down apone and treated unfairly do to all this beat regards to who ever climes the score next oh not to mention iv also been told now after applying for a loan spendingvXXXX $ at XXXX XXXX  that after I removed my checks and stopped using the bank there overdraft protection don't work and I owe them XXXX ... Mainly from overdraft fees someone needs to look into that bank and there fees. And when and how often they charge the fees cause a few times they have tried minipulating my SSI check the whole SSI check. \n\nSincerely XXXX XXXX. \nP s please excuse misspelled words and any punctuation I just typed and its alot to say as well as stressfull not to mention this late at night I only did my best to what was asked of me to do. To whom it may concern thank you for giving me the time.. I appreciate it. If only you could get credit in life for things like that then maybe it would be fair","date_sent_to_company":"2020-02-18T12:53:17.000Z","issue":"Excessive fees","sub_product":"Credit repair services","zip_code":"810XX","tags":null,"has_narrative":true,"complaint_id":"3535091","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Credit Council Corp","date_received":"2020-02-18T11:00:38.000Z","state":"CO","company_public_response":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","sub_issue":null},"highlight":{"complaint_what_happened":["This allowing us to give the option to say \" I came, I saw.. \" well you get the <em>point</em>.. \n\nFor months now I think I have been on this repetitive looping error I see know as your <em>credit</em> score."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> <em>repair</em> services, or <em>other</em> personal consumer reports"],"company":["<em>Credit</em> Council Corp"],"sub_product":["<em>Credit</em> <em>repair</em> services"],"company_public_response":["Company believes <em>complaint</em> caused principally by actions of third party outside the control or direction of the company"]},"sort":[5.7328005,"3535091"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":6,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":6}]}},"product":{"doc_count":6,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit repair services","doc_count":2}]}},{"key":"Mortgage","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Conventional home mortgage","doc_count":1},{"key":"FHA mortgage","doc_count":1}]}},{"key":"Money transfer, virtual currency, or money service","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Domestic (US) money transfer","doc_count":1}]}},{"key":"Vehicle loan or lease","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Loan","doc_count":1}]}}]}},"issue":{"doc_count":6,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Excessive fees","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Struggling to pay mortgage","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Managing the loan or lease","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem with fees charged","doc_count":1}]}},{"key":"Money was not available when promised","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}}]}},"timely":{"doc_count":6,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":6}]}},"company_response":{"doc_count":6,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":6}]}},"submitted_via":{"doc_count":6,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":6}]}},"company":{"doc_count":6,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit Council Corp","doc_count":2},{"key":"JPMORGAN CHASE & CO.","doc_count":2},{"key":"Mr. Cooper Group Inc.","doc_count":1},{"key":"WELLS FARGO & COMPANY","doc_count":1}]}},"state":{"doc_count":6,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"CO","doc_count":2},{"key":"CA","doc_count":1},{"key":"MA","doc_count":1},{"key":"MI","doc_count":1},{"key":"NJ","doc_count":1}]}},"company_public_response":{"doc_count":6,"company_public_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","doc_count":2},{"key":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","doc_count":1}]}},"tags":{"doc_count":6,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}}},"_meta":{"license":"CC0","last_updated":"2026-07-15T12:00:00-05:00","last_indexed":"2026-07-15T12:00:00-05:00","total_record_count":16469162,"is_data_stale":false,"has_data_issue":false,"break_points":{}}}