{"took":241,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":37498,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"3158620","_score":11.315282,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Ive tried to get inquiries deleted off my XXXX report but they are giving me a Hassel I  have no knowledge of the inquires on my report","date_sent_to_company":"2019-02-21T16:27:47.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"07111","tags":null,"has_narrative":true,"complaint_id":"3158620","timely":"No","company_response":"Untimely response","submitted_via":"Web","company":"Real Estate Solutions","date_received":"2019-02-21T16:27:44.000Z","state":"NJ","company_public_response":null,"sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"company":["<em>Real</em> Estate Solutions"]},"sort":[11.315282,"3158620"]},{"_index":"complaint-public-v1","_id":"2681154","_score":11.315282,"_source":{"product":"Mortgage","complaint_what_happened":"Hello my name is XXXX XXXX XXXX I have problems with this company real state solutions on XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX I was told from them that they will help me with my modification and they did n't do it ... They told me is better for you to sale your home so ... I ask no no. No. That 's why you are helping me ... If you not doing nothing please give me my money back and they say no we are not going to give you the money back I say to them but you told me ... If we can not help you we are going to give you the money back ... .. The bank were I was diposit the money is chase # XXXX I was diposit {$500.00} evry month .... Please help me I need your help thank you","date_sent_to_company":"2017-11-06T19:08:24.000Z","issue":"Struggling to pay mortgage","sub_product":"Other type of mortgage","zip_code":"90221","tags":null,"has_narrative":true,"complaint_id":"2681154","timely":"No","company_response":"Untimely response","submitted_via":"Web","company":"Real Estate Solutions","date_received":"2017-09-21T21:21:28.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Hello my name is XXXX XXXX XXXX I have problems with this company <em>real</em> state solutions on XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX I was told from them that they will help me with my modification and they did n't do it ... They told me is better for you to sale your home so ... I ask no no. No. That 's why you are helping me ... If you not doing nothing please give me my money back and they say no we are not going to give you the money back I say to them but you told me ..."],"company":["<em>Real</em> Estate Solutions"]},"sort":[11.315282,"2681154"]},{"_index":"complaint-public-v1","_id":"4819539","_score":11.254918,"_source":{"product":"Payday loan, title loan, or personal loan","complaint_what_happened":"Dear Sir or Madam, 1. BOOSTRSCORE Account Number : XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. \n\n\nI immediately disputed this information with BOOSTRSCORE and the results of the investigation came back \" verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously \" verified '' them, I am very curious as to what kinds of \" records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX","date_sent_to_company":"2021-12-20T16:05:35.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Installment loan","zip_code":"43231","tags":null,"has_narrative":true,"complaint_id":"4819539","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Real Pay, Inc","date_received":"2021-10-19T08:33:08.000Z","state":"OH","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Was not notified of investigation status or results"},"highlight":{"company":["<em>Real</em> Pay, Inc"]},"sort":[11.254918,"4819539"]},{"_index":"complaint-public-v1","_id":"9848553","_score":10.475693,"_source":{"product":"Debt collection","complaint_what_happened":"The loan originated in XX/XX/XXXX. It was a XX/XX/XXXX mortgage with XXXX and Full Spectrum home loans aka \" Piggy- back loans ''. The loan was later transferred to XXXX XXXX XXXX and subsequently Real time Resolution, XXXX XXXX XXXX XXXX perhaps in XXXX? Due to the complex nature of theses transfers ; to include the XXXX Attorney General XXXX filing a {$8.00} XXXX dollar lawsuit settlement against XXXX subprime Scandal predatory lending practices Loan modifications were enforced by Attorney General XXXX to erase penalties, fees and balloon payments and other predatory practices.The Making Home Affordable ( XXXX ) launched in XX/XX/XXXX, to provide additional assistance to struggling homeowners affected by predatory lending practices. You see, home Loans prior to XXXX XXXX XXXX acquisition in XX/XX/XXXX, deceived borrowers by misrepresenting loan terms, and disallowing borrowers ability to pay. The lawsuit claimed loan servicing also charged homeowners who were behind on their mortgages with inflated fees and penalties ( oag.ca.gov, XXXX ) .The settlement included loan modifications who were 60 days or more behind. Due to the above, I felt I was not a part though struggling to make ends meet. I was unaware of my debt status as many transfer of loans took place I did not receive regular bank statements of the second position loan.In fact, XXXX XXXXXXXX XXXX notified me of the transfer to Real Time Resolution after a year later. I have not received correspondence from XXXX XXXX  XXXX as they no longer acquired the mortgage effective XXXX. I am a regular account holder of Bank XXXX XXXX for over XXXX plus years. In XXXX, XXXX I received a chapter XXXX discharge. \nIn XXXX, I received letter from Real Time Resolution ( RTR ) stating \" if you received a bankruptcy discharge this letter is for informational purposes only '' ( XX/XX/XXXX ). \nIn XX/XX/XXXX, I received a Notice of Default place on several areas of my home. I was ashamed and confused.When I contacted XXXX in XXXX, I was advised to pay a lump sum fee of {$20000.00} plus penalties and interest. I asked why they had not contacted me prior, and was told because I had a XXXX XXXX XXXX discharged this does not apply. Meanwhile, the lien in XXXX was placed on my home and in my name at the county recorders office for all to see. I received phone calls and door knocking all hours of the day and night. My mailbox was filled with negative responses regarding the foreclosure sale or quick sale to investors.RTR response was \" We are only interested in your home '' XXXX immediately sought legal advice. RTR refused to work with me. In XXXX a Notice of Sale was placed. The original loan amount of {$75000.00} has now exceeded to over XXXX XXXX ( {$200000.00} ) XXXX dollars which includes foreclosure inspections, late fees penalty costs and other unknowns. \nThe attorneys advised me to seek additional legal counsel.When asked for verification of debt from RTR, I received a summary of foreclosure cost, appraisals costs and \" Investor '' loan purchase dated on XX/XX/XXXX. To this date, I have not received monthly bank statements. \nIn XX/XX/XXXX, I began to investigate what exactly is going on. I visited the XXXX XXXX recorders office. This is what was discovered... \nTo my surprise, on XX/XX/XXXX XXXX home loans holder of the deed whose address is the same as Bank XXXX XXXX located at XXXX XXXX XXXX, XXXX Florida XXXX assigned Trust unto XXXX XXXX XXXX XXXX are so many gaps from XXXX to XXXX and irregularities in how the loan was processed or transferred after XXXX XXXX. I do not receive statements from XXXX XXXX  XXXX, RealTime Resolution ( RTR ) nor any entity involved to include new XXXX XXXX of XX/XX/XXXX RRA CP OPPORTUNITY TRUST XXXX. \nIt Transparent Real Time ResoLution ( RTR ), is trying to bi-pass the Attorney Generals Ruling of XXXX by forcing the XXXX original balloon loan along with fees, interests and penalties which is equivalent to XXXX predatory practice ruling. Country wide obligation was to modify those predatory sub-prime loans.This is a continuation of the original predatory practices and should include a statutes of limitations reset.RTR is violating the terms. The original terms should not be enforceable due to XXXX home loan recognized predatory practices..The fact that my primary lender acknowledges the XXXX XXXXdischarge in XXXX and has made payment arrangements following the legal requirements post-discharge and sending monthly statements..RTR has contested and still contesting XXXX chapter XXXX which was filed in XX/XX/XXXX. RTR is trying to enforce the original loan terms and claim that I still owe on a personal liability basis. RTR is acting above -the-law.This is unethical and a global disgrace. \nXXXX XXXX XXXX has recently acknowledged cases similar. He stated '' Some debt XXXX, who sat silent for a decade, are now pursuing homeowners on zombie mortgages inflated with interest and fees ''. \" We are making clear that threatening to sue to collect on expired zombie mortgage debt is illegal '' ( XXXX XXXX ). \nTo date, RTR has hopefully postponed the XX/XX/XXXX Notice of Sale which is set at the XXXX XXXX court house in the next XXXX hours. The Next meeting with the Bankruptcy court XXXX ruling is set on XXXX XXXX.","date_sent_to_company":"2024-08-19T19:29:14.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Mortgage debt","zip_code":"95758","tags":null,"has_narrative":true,"complaint_id":"9848553","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Real Time Group, Inc.","date_received":"2024-08-19T03:15:12.000Z","state":"CA","company_public_response":null,"sub_issue":"Seized or attempted to seize your property"},"highlight":{"complaint_what_happened":["The loan was later transferred to XXXX XXXX XXXX and subsequently <em>Real</em> time Resolution, XXXX XXXX XXXX XXXX perhaps in XXXX?"],"company":["<em>Real</em> Time Group, Inc."]},"sort":[10.475693,"9848553"]},{"_index":"complaint-public-v1","_id":"9608876","_score":10.475693,"_source":{"product":"Debt collection","complaint_what_happened":"In XXXX of XXXX, a company called XXXX XXXX took us to Court and placed a Lien on our home, in the amount of {$26000.00}. A payment plan of {$50.00} a month, was granted and was paid every month, until XXXX of XXXX, which exceeds the Statute of XXXX year Limitation. \n\nReal Time Resolutions , Inc., sent us a letter, dated XX/XX/XXXX, stating that they purchased this XXXX from First Plus and that we owed them {$36000.00}. \n\nI spoke with a XXXX XXXX regarding this letter in XX/XX/XXXX and gave him the XXXX File # XXXX and he at first, told me to disregard the letter, because the account was over XXXX years old, put me on hold, then came back and asked me did I want to send in a payment. \n\nI explained to him that payments had been made through the Courts, since XXXX, the payments were over XXXX years and if they bought this Lien from XXXX XXXX I wanted a Lien Release. \n\nXXXX XXXX told me they could not send a Lien Release, until {$36000.00} was paid to them. I told him that was not going to happen. \n\nI do not understand how this Company can try to get money from us and why they are refusing to send a Lien Release. \n\nXXXX XXXX XXXX Real Time Resolutions , Inc . \nCompanys Address : XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, Texas XXXX XXXX","date_sent_to_company":"2024-07-24T16:00:09.000Z","issue":"False statements or representation","sub_product":"Mortgage debt","zip_code":"38118","tags":null,"has_narrative":true,"complaint_id":"9608876","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Real Time Group, Inc.","date_received":"2024-07-24T15:08:27.000Z","state":"TN","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX <em>Real</em> Time Resolutions , Inc . \nCompanys Address : XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, Texas XXXX XXXX"],"company":["<em>Real</em> Time Group, Inc."]},"sort":[10.475693,"9608876"]},{"_index":"complaint-public-v1","_id":"9156708","_score":10.475693,"_source":{"product":"Mortgage","complaint_what_happened":"On XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX XXXX representing Real Time Resolution, claiming that the second mortgage payments have not been made since XX/XX/XXXX through the present month, and saying that I have defaulted and have breached the terms of the Mortgage Promissory Note. I have also filed a complaint with XXXX of Michigan. \n\nXX/XX/XXXX XXXX Regulatory dept did not address the DOJ settlement eligibility requirements, claiming that we didn't qualify for it at the time. I would like to know what the \" DOJ eligibility requirements '' were. We bankrupted in XXXX because of the mortgage debt, job loss, and the failing economy of XXXX. XXXX also claims they sold the debt to Real Time Resolutions , Inc in XXXX. With the XXXX XXXX bailout in XXXX, there were no debt collectors buying second mortgages at face value, so I would like to know what XXXX bought the second note paper for, knowing full well that second mortgages were being sold for XXXX on the dollar in XXXX, as well as being forgiven based on the DOJ lawsuit. XXXX XXXX XXXXXXXX forgave {$10.00} XXXX Dollars in mortgage loans I asked XXXX to contact who they sold the note to and rectify the issue at hand. As mentioned, XXXX was sued by the DOJ, as well as many other times in their existence, which shows the number of scams that occur at this bank as well as many other ones. I spoke to XXXX XXXX the Resolution Specialist in The Regulatory Complaint 's dept at XXXX on XX/XX/XXXX. The complete reason for this complaint is to FORGIVE THIS DEBT as it should have been handled in XXXX. We all know that XXXX XXXX XXXX and XXXX XXXX XXXX screwed over the government and the homeowners in XXXX leading up to the greatest financial crisis in our lifetime.","date_sent_to_company":"2024-06-01T14:51:45.000Z","issue":"Struggling to pay mortgage","sub_product":"Home equity loan or line of credit (HELOC)","zip_code":"49316","tags":"Older American","has_narrative":true,"complaint_id":"9156708","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Real Time Group, Inc.","date_received":"2024-06-01T14:21:23.000Z","state":"MI","company_public_response":null,"sub_issue":"Foreclosure"},"highlight":{"complaint_what_happened":["XXXX also claims they sold the debt to <em>Real</em> Time Resolutions , Inc in XXXX. With the XXXX XXXX bailout in XXXX, there were no debt collectors buying second mortgages at face value, so I would like to know what XXXX bought the second note paper for, knowing full well that second mortgages were being sold for XXXX on the dollar in XXXX, as well as being forgiven based on the DOJ lawsuit."],"company":["<em>Real</em> Time Group, Inc."]},"sort":[10.475693,"9156708"]},{"_index":"complaint-public-v1","_id":"8981426","_score":10.475693,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"I am writing regarding an installment payday loan account from XXXX XXXX XXXX XXXX that was sold to your company, I emailed the original creditor and attempted to speak with a manager at Real Time Resolutions. I took the loan out in XXXX of XXXX to help with additional funding for a vehicle, I paid some payments when I had financial stability, I lost several jobs over the years along with multiple deaths of people I know, being disowned/cutoff by people I know due to personal reasons and continuous financial problems as I was a burden on them. I am currently homeless without a vehicle, income of any sort, no financial assistance from anyone, I have stated MULTIPLE TIMES THAT I AM NOT IN A FINANCIAL POSITION TO PAY ANYTHING AND THAT I DO NOT EVEN HAVE {$1.00} IN MY ACCOUNT. I WANT THIS DEBT FORGIVEN ALONG WITH ANY MONEY THAT HAS BEEN PAID TOWARDS THE ACCOUNT ALONG WITH {$170000.00} IN LOST WAGES BY CERTIFIED CHECK OR DIRECT DEPOSIT BY XX/XX/XXXX, EST OR I WILL SUE FOR {$300000.00} WHICH INCLUDES LEGAL FEES!!! THIS ACCOUNT IS PAST THE STATE LIMITATIONS WHICH IS SIX YEARS AND NO LONGER COLLECTIBLE BY LAW IN WHICH THEY SEEM NOT TO CARE ABOUT AT ALL!!!","date_sent_to_company":"2024-05-15T15:52:08.000Z","issue":"Struggling to pay your loan","sub_product":"Payday loan","zip_code":"33009","tags":null,"has_narrative":true,"complaint_id":"8981426","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Real Time Group, Inc.","date_received":"2024-05-10T15:29:22.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I am writing regarding an installment payday loan account from XXXX XXXX XXXX XXXX that was sold to your company, I emailed the original creditor and attempted to speak with a manager at <em>Real</em> Time Resolutions."],"company":["<em>Real</em> Time Group, Inc."]},"sort":[10.475693,"8981426"]},{"_index":"complaint-public-v1","_id":"8557772","_score":10.475693,"_source":{"product":"Debt collection","complaint_what_happened":"i needs XXXX $ back i files fruad to bank year ago still us bank refused refund me debit not my fault is the bank fault now i get debit latter please refund XXXX $ sent a check to me","date_sent_to_company":"2024-03-15T18:46:05.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"92648","tags":null,"has_narrative":true,"complaint_id":"8557772","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Real Time Group, Inc.","date_received":"2024-03-15T18:37:41.000Z","state":"CA","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"company":["<em>Real</em> Time Group, Inc."]},"sort":[10.475693,"8557772"]},{"_index":"complaint-public-v1","_id":"8543022","_score":10.475693,"_source":{"product":"Mortgage","complaint_what_happened":"This is part of my 2nd complaint about Real Time Resolution, they are a Zombie Mortgage Scam! I will not give up since they bankrupt me and im homeless!! Please help me and if you cant who else can I go to? My name is XXXX XXXX which you already have my prior complaints but you havent helped me!! Please Im begging you to help me!","date_sent_to_company":"2024-03-13T10:09:47.000Z","issue":"Struggling to pay mortgage","sub_product":"Home equity loan or line of credit (HELOC)","zip_code":"92653","tags":null,"has_narrative":true,"complaint_id":"8543022","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Real Time Group, Inc.","date_received":"2024-03-13T10:02:08.000Z","state":"CA","company_public_response":null,"sub_issue":"Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure"},"highlight":{"complaint_what_happened":["This is part of my 2nd complaint about <em>Real</em> Time Resolution, they are a Zombie Mortgage Scam! I will not give up since they bankrupt me and im homeless!! Please help me and if you cant who else can I go to? My name is XXXX XXXX which you already have my prior complaints but you havent helped me!! Please Im begging you to help me!"],"company":["<em>Real</em> Time Group, Inc."]},"sort":[10.475693,"8543022"]},{"_index":"complaint-public-v1","_id":"8462558","_score":10.475693,"_source":{"product":"Debt collection","complaint_what_happened":"on or about XXXX my former wife and i enrolled in a debt reduction program. all credit card debts was paid off in XXXX in XX/XX/XXXX / XX/XX/XXXX a debt that was previously paid off showed up on my credit report. my understanding over 100 people have filed a class action law suit against the debt collection agency for mismanagement of listing debts that are already been satisfied. please investigate my claim as i am attempting to purchase a property and can not proceed until this issue is resolved.","date_sent_to_company":"2024-03-02T23:52:49.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"92399","tags":null,"has_narrative":true,"complaint_id":"8462558","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"Real Time Group, Inc.","date_received":"2024-03-02T23:36:38.000Z","state":"CA","company_public_response":null,"sub_issue":"Debt was paid"},"highlight":{"company":["<em>Real</em> Time Group, Inc."]},"sort":[10.475693,"8462558"]},{"_index":"complaint-public-v1","_id":"8440725","_score":10.475693,"_source":{"product":"Debt collection","complaint_what_happened":"Affiant, XXXX XXXX, victim of identity theft, I'm invoking the ADA against the following suspects who have committed perjury in the XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, a Federal Crime under Title 18 Sec. 1028A ( Aggravated Identity Theft ), 1002 ( Possession of false papers to defraud the United States ) and 1348 ( Securities and commodities fraud ). \nI filed Identity Theft Claim with Federal Trade Commission on XX/XX/XXXX # XXXX. \n\nThese individuals and entities engaged in unlawful practices involving manipulative and deceptive tactics to foreclose on my property at XXXX XXXX XXXX XXXX, CA XXXX. REAL TIME RESOLUTIONS ( RTR ) created account XXXX without my authorization, violation of CA CIV CODE 1798 to 1806 under CA State Law. RTR has ignored and failed to respond to validate and authenticate my Notice of Dispute Affidavit and proof of claim under FDCPA and RESPA. RTR has not provided Sworn Affidavit from principal party with authority having first hand knowledge and chain of custody of any debt owed including account level documentation. \n\nOn XX/XX/XXXX a fraudulent A CORPORATE ASSIGNMENT OF DEED OF TRUST was recorded on my property on XX/XX/XXXX, claiming that XXXX XXXX XXXXXXXX XXXX XXXX, a Delaware Statutory Trust created on XX/XX/XXXX, A SCAM DEBT BUYER ENTITY, is the alleged owner of the alleged account. ( Copy attached ) On XX/XX/XXXX I served XXXX USPS mail to XXXX XXXX, XXXX and RTR , Inc. and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Notice of Dispute AFFIDAVIT. RTR refused to rebut to my Affidavit from someone with authority, personal knowledge of the matter and under penalty of perjury. \nMoreover, the Notice of Dispute Affidavit sent to XXXX to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NY XXXX was returned NOT DELIVERABLE ADDRESS ( copy attached ). \n\nMoreover, RTR has sent me conflicting letters stating that the alleged original creditor was XXXX XXXX XXXX XXXXXXXX and on other letter stating that the alleged creditor was XXXX XXXX XXXX XXXX ( Copy attached ) I'm demanding for CFPB to file criminal charges against these entities and individual ( s ) for intentionally, deceitfully and fraudulently behavior to foreclose and steal my property at XXXX XXXX XXXX, XXXX, CA XXXX.","date_sent_to_company":"2024-02-28T23:42:41.000Z","issue":"Attempts to collect debt not owed","sub_product":"Mortgage debt","zip_code":"95076","tags":null,"has_narrative":true,"complaint_id":"8440725","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Real Time Group, Inc.","date_received":"2024-02-28T23:23:24.000Z","state":"CA","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["<em>REAL</em> TIME RESOLUTIONS ( RTR ) created account XXXX without my authorization, violation of CA CIV CODE 1798 to 1806 under CA State Law. RTR has ignored and failed to respond to validate and authenticate my Notice of Dispute Affidavit and proof of claim under FDCPA and RESPA. RTR has not provided Sworn Affidavit from principal party with authority having first hand knowledge and chain of custody of any debt owed including account level documentation."],"company":["<em>Real</em> Time Group, Inc."]},"sort":[10.475693,"8440725"]},{"_index":"complaint-public-v1","_id":"8423888","_score":10.475693,"_source":{"product":"Mortgage","complaint_what_happened":"I'm written this letter to complaints long silent zombie 2nd mortgage or debt collectors filed a notice of default and start the foreclosure process on my house after silent for 15 years, ( XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In XXXX I borrow {$89000.00} home equity loan ( HELOC ) from a company known as XXXX XXXX XXXX. security for this loan, in the form as mortgage, the HELOC was transferred to XXXX XXXX XXXX and then some other companies that current beneficiary is XXXX XXXX XXXX XXXX XXXX \nIn XXXX I filed bankruptcy and discharged I thought my HELOC 2nd mortgage had satisfied, the last payment I made to HELOC was in XXXX, XXXX. \n\nIn XXXX, XXXX my primary mortgage was modified under a governmental program known as the making home affordable program ( XXXX ) the program required that any secondary mortgage had to be satisfied, base upon this requirement that the HELOC was satisfied by the U.S. Treasury Department and can not enforce foreclosure now, The statute of limitation expired long ago, I have not made a single HELOC payment since XXXX, XXXX. \n\nIn XXXX, XXXX, CFPB issued guidance to debt collector 's to protect homeowner from zombie mortgage foreclosure, that who brings or threatens to foreclosure action to collect a time-barred mortgage debt may violate the Fair Debt Collection Practices Act and it's implementing regulation, that's may be unenforceable in court.\n\nHowever they still filed a notice of default to XXXX  county on my house. \nThanks","date_sent_to_company":"2024-03-01T18:57:44.000Z","issue":"Closing on a mortgage","sub_product":"Home equity loan or line of credit (HELOC)","zip_code":"91107","tags":"Older American","has_narrative":true,"complaint_id":"8423888","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Real Time Group, Inc.","date_received":"2024-02-26T22:59:55.000Z","state":"CA","company_public_response":null,"sub_issue":"Closing disclosure or other related disclosures"},"highlight":{"company":["<em>Real</em> Time Group, Inc."]},"sort":[10.475693,"8423888"]},{"_index":"complaint-public-v1","_id":"8030392","_score":10.475693,"_source":{"product":"Debt collection","complaint_what_happened":"Per the 15 USC 1692g validation of debts, I do not recognize how this account is reporting on my credit report I do not recognize the account number, I do not recognize the account status, I do not recognize the account high balance, nor do I recognize the late payments associated with them. Everything reported here does not meet the FCRA. Additionally per 15 US Code 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;","date_sent_to_company":"2023-12-20T02:31:16.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"773XX","tags":null,"has_narrative":true,"complaint_id":"8030392","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Real Time Group, Inc.","date_received":"2023-12-20T02:25:56.000Z","state":"TX","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"company":["<em>Real</em> Time Group, Inc."]},"sort":[10.475693,"8030392"]},{"_index":"complaint-public-v1","_id":"8025934","_score":10.475693,"_source":{"product":"Debt collection","complaint_what_happened":"I had a second mortgage with a company called XXXX. I made on time payments. My automatic payments are now being collected by a debt collection company called Real Time Resolutions. The problem is I have never been late or in default with my payments to XXXX. XXXX surrendered their license in XX/XX/2022. I received a letter stating that the statute of limitations has run out on this debt. I am disputing this debt. I should not be in collections for a debt that I was consistently paying.","date_sent_to_company":"2023-12-24T16:18:13.000Z","issue":"Written notification about debt","sub_product":"Mortgage debt","zip_code":"10550","tags":null,"has_narrative":true,"complaint_id":"8025934","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Real Time Group, Inc.","date_received":"2023-12-19T20:41:59.000Z","state":"NY","company_public_response":null,"sub_issue":"Notification didn't disclose it was an attempt to collect a debt"},"highlight":{"complaint_what_happened":["My automatic payments are now being collected by a debt collection company called <em>Real</em> Time Resolutions. The problem is I have never been late or in default with my payments to XXXX. XXXX surrendered their license in XX/XX/2022. I received a letter stating that the statute of limitations has run out on this debt. I am disputing this debt. I should not be in collections for a debt that I was consistently paying."],"company":["<em>Real</em> Time Group, Inc."]},"sort":[10.475693,"8025934"]},{"_index":"complaint-public-v1","_id":"7860263","_score":10.475693,"_source":{"product":"Debt collection","complaint_what_happened":"Dear XXXX, I'm writing this letter to complaint Zombie second mortgage debt collectors come back to threaten foreclosure my house In 2008 I filed bankruptcy in L.A. and I believe my second mortgage ( XXXX ) have been written off or forgiven, the last payment I made to them was in 2008 since then the mortgage company gone silent or no communication for long time last week I received notice pf default and intend to foreclosure letter from debt collector said I need to pay {$150000.00} or foreclosure my house CFPB issued guidance to protect homeowners from zombie second mortgage please help me out and advise.","date_sent_to_company":"2023-11-17T00:59:46.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Mortgage debt","zip_code":"91107","tags":"Older American","has_narrative":true,"complaint_id":"7860263","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Real Time Group, Inc.","date_received":"2023-11-17T00:59:44.000Z","state":"CA","company_public_response":null,"sub_issue":"Seized or attempted to seize your property"},"highlight":{"company":["<em>Real</em> Time Group, Inc."]},"sort":[10.475693,"7860263"]},{"_index":"complaint-public-v1","_id":"7747684","_score":10.475693,"_source":{"product":"Mortgage","complaint_what_happened":"Im in the mortgage industry and lost my job in 2022 and at that time I fell behind on my first XXXX  and simply could not make the payments so I decided to sell since it gained equity and would be able to survive temporarily. Out of nowhere I get a collection notice from a XXXX that I had thought was forgiven which was originally with XXXX, then sold to XXXX and the. XXXX went out of business and I tried to figure out where to pay but never heard for almost 16 years until I get a demand letter from a collection agency that I never received a transfer of servicing letter no any payment coupons and being in the business by law you must received the transfer letter within XXXX business days. Needless to say my was desperate and ended up selling my home and lost about {>= $1,000,000} on the zombie mortgage which was mainly interest which I begged for them to work with me and they would not budge. Im now homeless, jobless, no car and no unemployment checks and I need help to get the money that the collection agency took from me. Please help me and XXXX XXXX","date_sent_to_company":"2023-10-25T14:25:31.000Z","issue":"Struggling to pay mortgage","sub_product":"Home equity loan or line of credit (HELOC)","zip_code":"92653","tags":null,"has_narrative":true,"complaint_id":"7747684","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Real Time Group, Inc.","date_received":"2023-10-24T18:27:41.000Z","state":"CA","company_public_response":null,"sub_issue":"Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure"},"highlight":{"company":["<em>Real</em> Time Group, Inc."]},"sort":[10.475693,"7747684"]},{"_index":"complaint-public-v1","_id":"7631358","_score":10.475693,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On or around XX/XX/XXXX, I received a letter from the collection agency, The XXXX XXXX XXXX XXXX, stating that they were trying to collect a debt ( {$360.00} ) that I had with XXXX XXXX XXXX XXXX. ( XXXX XXXX XXXX ). And they will use any information I give them to collect the debt. Ref. # XXXX - My name as seen on the account : XXXX XXXX XXXX. \n\nAdditional collection agencies whom I received the same type of letter : XX/XX/XXXX - XXXX  XXXX XXXX - {$570.00} ( Original creditor XXXX  XXXX XXXX. regarding XXXX XXXX XXXX - XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX. - ref. # XXXX - {$320.00} - regarding XXXX BANK XX/XX/XXXX - Real Time Resolutions - {$320.00} - Regarding XXXX XXXX  - Ref. # XXXX XX/XX/XXXX - XXXX  XXXX XXXX XXXX - {$710.00} Re : XXXX XXXX XXXX. - Ref. # XXXX In accordance with the Fair Credit Reporting Act, the list of accounts attached have violated Federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681.\n\n15 U.S.C. 1681 section 602 A, states that I have the right to privacy.\n\n15 U.S.C. 1681 604 A section 2 : States that a consumer reporting agency can not furnish an account without my written instruction.\n\n15 U.S.C. 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.\n\n15 U.S.C.s 2 ( A ) ( 1 ) states a person shall not furnish any information relating to consumer t5o any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. See attached supporting document.","date_sent_to_company":"2023-09-29T04:29:33.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"95843","tags":null,"has_narrative":true,"complaint_id":"7631358","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Real Time Group, Inc.","date_received":"2023-09-29T04:29:29.000Z","state":"CA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":[". # XXXX - {$320.00} - regarding XXXX BANK XX/XX/XXXX - <em>Real</em> Time Resolutions - {$320.00} - Regarding XXXX XXXX  - Ref. # XXXX XX/XX/XXXX - XXXX  XXXX XXXX XXXX - {$710.00} Re : XXXX XXXX XXXX. - Ref. # XXXX In accordance with the Fair Credit Reporting Act, the list of accounts attached have violated Federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681.\n\n15 U.S.C. 1681 section 602 A, states that I have the right to privacy.\n\n15 U.S.C. 1681 604 A section 2 : States"],"company":["<em>Real</em> Time Group, Inc."]},"sort":[10.475693,"7631358"]},{"_index":"complaint-public-v1","_id":"7248938","_score":10.475693,"_source":{"product":"Mortgage","complaint_what_happened":"I had a predatory loan with XXXX XXXX that ultimately resulted in my home foreclosing in XX/XX/XXXX. at some point they sold off the second loan to XXXX XXXX XXXXXXXX. It was my understanding my loans would be paid with money from the foreclosure. Since I had not heard anything since and nothing ever went onto my credit report I assumed this to be the case. Suddenly in XX/XX/XXXX I received a 1099C for the second mortgage. I have had the same phone number this entire time and was at the same address for over 7 years and no collection calls or letters came to me. The company listed is Real time Solutions and they claim they now own the debt and claim they were able to write it off because there was a balloon payment due in XXXX which is not the case and means someone altered the loan documents without my permission. Regardless it is unethical to never contact me or bill me or gave me an option to pay and then reported it to the IRS via a 1099C which requires me to report it as income which will cost me a lot of money. I asked real time solutions to fix this and retract the 1099C and they ignored me.","date_sent_to_company":"2023-07-13T17:21:58.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Conventional home mortgage","zip_code":"92071","tags":null,"has_narrative":true,"complaint_id":"7248938","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Real Time Group, Inc.","date_received":"2023-07-13T17:05:25.000Z","state":"CA","company_public_response":null,"sub_issue":"Problem with product or service terms changing"},"highlight":{"complaint_what_happened":["I asked <em>real</em> time solutions to fix this and retract the 1099C and they ignored me."],"company":["<em>Real</em> Time Group, Inc."]},"sort":[10.475693,"7248938"]},{"_index":"complaint-public-v1","_id":"6953018","_score":10.475693,"_source":{"product":"Debt collection","complaint_what_happened":"My original home loan was with XXXX  XXXX XXXX. When the crash of XXXX happened I could no long afford my house payment and went into default. I had a first and second loan on the property. In XXXX when I was working again I did a loan modification with XXXX  XXXX XXXX. I assumed it included the second. I've been paying on the property ever since as it is my primary residence. In XXXX Real Time Resolutions contacted me threatening foreclosure because of the unpaid second load they obviously purchased from XXXX XXXX  XXXX. They could never furnish me a signed contract proving the balance I owe. And It is nearly double the initial amount. I dont have the money to fight this so I made an agreement to pay. I gave them {$2400.00} cash and agreed to payments of {$350.00} a month. In XXXX when XXXX hit I once again lost my job and income. I was able to make the house payments yet got a little behind on the RTR payments. Over the years I have tried to make the payments every month. I normally pay {$500.00}. Today I tried to log into the system to make a payment. I was locked out and told to call. I did. I was informed that all of my payments have been going towards the late fees and not the principal. And my property is being placed in foreclosure status again. I was told to submit a loss mitigation form and they will try to help. Which I did. Currently I can not access my account to see payments or balances. This place is operating illegally in my opinion. They cant even provide me with a signed statement proving I own them money. Nor can they explain why the balance is so high. I can not afford an attorney as I am barely surviving now. I need help.","date_sent_to_company":"2023-05-10T00:12:20.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Mortgage debt","zip_code":"89123","tags":null,"has_narrative":true,"complaint_id":"6953018","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Real Time Group, Inc.","date_received":"2023-05-09T23:48:34.000Z","state":"NV","company_public_response":null,"sub_issue":"Seized or attempted to seize your property"},"highlight":{"complaint_what_happened":["In XXXX <em>Real</em> Time Resolutions contacted me threatening foreclosure because of the unpaid second load they obviously purchased from XXXX XXXX  XXXX. They could never furnish me a signed contract proving the balance I owe. And It is nearly double the initial amount. I dont have the money to fight this so I made an agreement to pay. I gave them {$2400.00} cash and agreed to payments of {$350.00} a month. In XXXX when XXXX hit I once again lost my job and income."],"company":["<em>Real</em> Time Group, Inc."]},"sort":[10.475693,"6953018"]},{"_index":"complaint-public-v1","_id":"6910985","_score":10.475693,"_source":{"product":"Mortgage","complaint_what_happened":"In XXXX, we were approached by a company led by XXXX XXXX out of XXXX GA, advertising 1 % mortgage loans. We had just purchased our property in XXXX using both incomes. At the time of the claim to provide a 1 % mortgage, my wife was unemployed so the reduction in the interest rate was attractive to me. The company refinanced the loan with my income giving us two mortgages. The payments were made but we got behind on our other debts trying to keep up with the mortgage payments. In XXXX, we filed for bankruptcy under chapter XXXX. The bankruptcy filed a motion to avoid the second XXXX. The bankruptcy was dismissed in XXXX and we did not hear anything from Bank XXXX XXXX on the XXXX XXXX. We were able to modify our XXXX loan which was sold to XXXX and was able to get back on track. On XX/XX/XXXX, we received a notice of intent to foreclose from XXXX Mortgage XXXX. We have not received or hear from XXXX Mortgage since the loan was closed in XXXX. The loan was serviced by Bank XXXX XXXX which we were under the impression that it was sold to XXXX We have not received anything from XXXX since filling the bankruptcy. I am filing this complaint because I believe that the loan was made under fraudulent pretenses, we were taken advantage of by placing us into a loan that should not have been approved based on the one income. Additionally, with the motion to avoid the XXXX, there was no communication that this had changed.","date_sent_to_company":"2023-06-05T20:51:19.000Z","issue":"Struggling to pay mortgage","sub_product":"Other type of mortgage","zip_code":"20721","tags":"Older American","has_narrative":true,"complaint_id":"6910985","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Real Time Group, Inc.","date_received":"2023-04-30T20:14:16.000Z","state":"MD","company_public_response":null,"sub_issue":null},"highlight":{"company":["<em>Real</em> Time Group, Inc."]},"sort":[10.475693,"6910985"]},{"_index":"complaint-public-v1","_id":"6903906","_score":10.475693,"_source":{"product":"Mortgage","complaint_what_happened":"Hello, I had no choice but to close my sale and loan to avoid foreclosure. I am not going to give up on my complaint to Real Time Resolution. As you can see in my prior letter they would not work with me when there are so many mortgage companies that have to work with borrowers when they are unemployed and can not find employment and as of today I am still unemployed and living on the street out of boxes. Again I was willing to pay them the principal balance of {$140000.00} and they would not budge so I am requesting that they pay me back the interest and all fees that were included on the final payoff. If they would have sent me a letter that they are the new 2nd TD holder I would have paid them and they never sent me anything as well as monthly payment coupons. Please help me get my money so that I no longer have to live on the streets and die of starvation and possibly be harmed. I sent you another letter by mistake and didnt realize that this is where I was supposed to re send a new letter. My phone number is XXXX XXXX XXXX and my email is XXXX Thank you and I look forward to be hearing back from you , XXXX XXXX","date_sent_to_company":"2023-04-28T23:15:56.000Z","issue":"Struggling to pay mortgage","sub_product":"Home equity loan or line of credit (HELOC)","zip_code":"92656","tags":null,"has_narrative":true,"complaint_id":"6903906","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Real Time Group, Inc.","date_received":"2023-04-28T23:00:32.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I am not going to give up on my complaint to <em>Real</em> Time Resolution. As you can see in my prior letter they would not work with me when there are so many mortgage companies that have to work with borrowers when they are unemployed and can not find employment and as of today I am still unemployed and living on the street out of boxes."],"company":["<em>Real</em> Time Group, Inc."]},"sort":[10.475693,"6903906"]},{"_index":"complaint-public-v1","_id":"6903334","_score":10.475693,"_source":{"product":"Mortgage","complaint_what_happened":"Complaint Details I was told that when I got a loan modification in XXXX on my XXXXXXXX XXXX, the second loan was forgiven. \nI during that time, suffered a XXXX injury in a vehicle accident and I am now a XXXX. I am XXXX XXXX. I rely on my family for everything. \n\nWe were contacted by XXXX  XXXX XXXX XXXX Real Time Resolutions regarding that forgiven second loan and shockingly told that it was NOT forgiven and that it must be paid! Different family members have tried to help me talk to Real Time Resolutions and I am trying to get this solved. \n\nI just asked again under the RESPA Qualified Written Request Section Six for loan documents on XX/XX/XXXX that I never received for over four months ( In vilation of my Federal Qualified Written Request-RESPA ) from XXXX XXXX XXXX after months of repeated written requests to Real Time Resolutions so that my family members could read and understand what happened. \n\nThe documents ( Note and Deed of Trust ) finally were sent to me Thursday, XX/XX/XXXX by XXXX XXXX XXXX. I sent a email Monday, XX/XX/XXXX back to XXXX XXXX saying that the family would review the documents and we would be in touch with them. Suddenly, I receive a notice of FORECLOSURE from Real Time Resolutions recorded XX/XX/XXXX! Shocking and abusive. \n\nI was not told this might happen! What a shock! I am a nervous wreck. My mother has been hospitalized twice XXXX XXXX  XXXX from this abusive manner of communication. \n\nI called Real Time Resolutions and asked representative XXXX XXXX to let me speak with Supervisor XXXX XXXX because I wanted to find out why I was slammed with this unexpected Foreclosure when I had been working in GOOD FAITH to try to solve this. \nXXXX XXXX was not available and I was transferred to XXXX XXXX. When I spoke with XXXX XXXX, she said I was giving them the runaround repeatedly asking for the same documents. I told her I needed all ( Note & Deed ) of the documents ( not just some of them ) to talk with my family and I had not received all the documents until XX/XX/XXXX. \n\nXXXX XXXX said that I was giving them the runaround and that they could file foreclosure WHENEVER they wanted to. \nThis was unkind and abusive. This is very distressing to me. I am sick as a result of this threat. \n\nIn addition, they offered a settlement amount payoff of {$100000.00} in XXXX. I am XXXX under California State Law. I am on limited income and have no where to go. I was told this debt was eliminated when I got the modification in XXXX. \n\nI have been working in good faith with Real Time Resolutions and I believe I should not be subjected to this abrupt abusive treatment.\n\nI would like to find out how RTR will change its policy to avoid future inadequate internal control failures that have resulted in my being pushed off a cliff into foreclosure. \n\nI told XXXX XXXX I would be asking for outside help regarding this bad treatment and a opportunity to settle my debt for {$25000.00} paid at {$500.00} per month.. If RTR can offer me payoff at {$100000.00} in XXXX is it possible to give me a discount to {$25000.00} due to these circumstances? \n\nCFPB please help me.","date_sent_to_company":"2023-04-29T02:30:00.000Z","issue":"Trouble during payment process","sub_product":"Home equity loan or line of credit (HELOC)","zip_code":"94541","tags":null,"has_narrative":true,"complaint_id":"6903334","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Real Time Group, Inc.","date_received":"2023-04-29T01:47:04.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["We were contacted by XXXX  XXXX XXXX XXXX <em>Real</em> Time Resolutions regarding that forgiven second loan and shockingly told that it was NOT forgiven and that it must be paid! Different family members have tried to help me talk to <em>Real</em> Time Resolutions and I am trying to get this solved."],"company":["<em>Real</em> Time Group, Inc."]},"sort":[10.475693,"6903334"]},{"_index":"complaint-public-v1","_id":"6882412","_score":10.475693,"_source":{"product":"Mortgage","complaint_what_happened":"My HELOC is currently owned and serviced by Real Time Resolutions. They issued temporary payment resolution TPA ( attached ). I have asked for clarification on the issues listed, which RTR has failed to provide. \n\n1. A detailed ledger breakdown of the debt owed. They allege the debt is {$61000.00}. I have records on the debt showing that {$52000.00} is owed.\n\n2. A description of the {$7100.00} down payment application. There is no designation of where those funds will be applied. \n3. After the TPA, there is no description of the future interest rate, terms or monthly payments. There is no long term resolution listed, only a reference to the original mortgage note. \n4. In the accounting ledger supplied by RTR, the balance was {$52000.00} as of XXXX. Also, both the settlement offer and the accounting ledger refer back to the original XXXXXXXX XXXX note for interest rate and payment. The current interest rate listed varies from .06625 and .08125 ... the periodic rate that is applicable per the XXXX XXXX note is .0312 and actually declined to XXXX for many years due to lower prime rates ( published in the XXXX XXXX XXXX ). There has been no explanation for the serious discrepancies.","date_sent_to_company":"2023-04-24T22:56:32.000Z","issue":"Struggling to pay mortgage","sub_product":"Home equity loan or line of credit (HELOC)","zip_code":"33178","tags":null,"has_narrative":true,"complaint_id":"6882412","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Real Time Group, Inc.","date_received":"2023-04-24T22:20:31.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["My HELOC is currently owned and serviced by <em>Real</em> Time Resolutions. They issued temporary payment resolution TPA ( attached ). I have asked for clarification on the issues listed, which RTR has failed to provide. \n\n1. A detailed ledger breakdown of the debt owed. They allege the debt is {$61000.00}. I have records on the debt showing that {$52000.00} is owed.\n\n2. A description of the {$7100.00} down payment application. There is no designation of where those funds will be applied. \n3."],"company":["<em>Real</em> Time Group, Inc."]},"sort":[10.475693,"6882412"]},{"_index":"complaint-public-v1","_id":"6612243","_score":10.475693,"_source":{"product":"Debt collection","complaint_what_happened":"I was trying to get a second loan to help me with my finances, since I recently retired. I got a loan approved but when the lender ordered a preliminary report it showed a lien from XXXX XXXX loans from 2006. A collection company call Real Time Solutions is telling me that they bought this loan and it is my loan! I have been telling them that I don't remember having a line of credit with XXXX ever. They sent me a deed of trust with a signature that doesn't look like my signature with no date next to the signature! Also, I just received a list of payments made to this account for about a year which I don't know who made them because I don't remember making any payments for any line of credit. \n\nPlease help me get the problem resolved, I don't have any money to pay for an attorney to help me. \n\nThank you so much for your assistance. \nXXXX XXXX","date_sent_to_company":"2023-02-24T21:15:05.000Z","issue":"Attempts to collect debt not owed","sub_product":"Mortgage debt","zip_code":"95135","tags":"Older American","has_narrative":true,"complaint_id":"6612243","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Real Time Group, Inc.","date_received":"2023-02-24T20:21:49.000Z","state":"CA","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["A collection company call <em>Real</em> Time Solutions is telling me that they bought this loan and it is my loan! I have been telling them that I don't remember having a line of credit with XXXX ever. They sent me a deed of trust with a signature that doesn't look like my signature with no date next to the signature! Also, I just received a list of payments made to this account for about a year which I don't know who made them because I don't remember making any payments for any line of credit."],"company":["<em>Real</em> Time Group, Inc."]},"sort":[10.475693,"6612243"]},{"_index":"complaint-public-v1","_id":"6044398","_score":10.475693,"_source":{"product":"Debt collection","complaint_what_happened":"Please refer to my complaint XXXX and the XXXX  response ! \n\n1. In my correspondence with XXXX  for last 10 years and before, I have always received copies of HELOC NOTE WITHOUT blank endorsement stamped on the last page but only with mine and my wife signatures and dates. \n\n2. All copies of HELOC NOTE received for last 10 years and before on the front page says '' CERTIFIED TO BE A TRUE AND CORRECT COPY OF THE ORIIGINAL ''. How did XXXX  send us the copies over the years which is contradicting the certification on the first page?\n\n3. XXXX  has to prove that the signature is WET SIGNATURE and its not stamp. I have 9 different signatures of XXXX XXXX XXXX on different stamps in different countrywide offices nationwide and also on document signed elsewhere completely different way. \n\n4. I am claiming that this stamp was added on the NOTE after my repeated requests of getting original copy of the NOTE. At what point in time it was added I donot know. Only XXXX  custodian which I presume is XXXX XXXX can attest to it. \n\n5. XXXX  brings a XXXX statute saying that date is not important and that is fine for normal cases but what XXXX has done with ROBO-Signing was FRAUD and its all in open. XXXX execeutives in swearin testimony have accepted that surrogate XXXX employees were involved in robo-signing these endorsements using stamps in a wellknown scandal. so what XXXX  is defending doesnot make sense. \n\n6. Any one can get access to these stamps any time and stamp the NOTES. That is what happened before XXXX filed for bankruptcy. Therefore having date is to remove the discrepancy. \n\n7. Please provide date of this endorsement. Of course my attorney will litigate this isssue in foreclosure mediation and/or before the judge. \n\n8. 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