{"took":199,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":219,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"3230942","_score":17.490139,"_source":{"product":"Mortgage","complaint_what_happened":"As shown by previous filed complaints with consumer finance my mortgage has been in default for over 10 years. The investor has changed servicing companies numerous times in that period. \nThe current servicer has never provided a certified copy of the note or the deed of trust. The state mediator disallowed the previous servicing company to foreclose on the home for this reason. The investor then hired Bayview Loan servicing and they have scheduled a foreclosure despite the previously mentioned facts. \nThey have not followed procedure. They have refused to speak with me or designate a representative. The phone number provided goes straight to a system that is programmed to hang up with it learns my account number. \nIt is my understanding that in my state the servicer is prohibited from foreclosing and or collections if the defaulted loan is over 10 years which it is.","date_sent_to_company":"2019-05-03T05:38:49.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"89014","tags":null,"has_narrative":true,"complaint_id":"3230942","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)","date_received":"2019-05-03T01:22:39.000Z","state":"NV","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["As <em>shown</em> by previous filed complaints with consumer finance my mortgage has been in default for <em>over</em> 10 <em>years</em>. The investor has changed servicing companies numerous times in that period. \nThe current servicer has never provided a certified copy of the note or the deed of <em>trust</em>. The state mediator disallowed the previous servicing company to foreclose on the home for this reason."]},"sort":[17.490139,"3230942"]},{"_index":"complaint-public-v1","_id":"1848060","_score":15.826335,"_source":{"product":"Mortgage","complaint_what_happened":"My XXXX and XXXX mortgage is with Wells Fargo I struggle each month to make my payments to them. I am using almost XXXX % of my income to accomplish this. I have been requesting mortgage assistance going on 3 three years from Wells Fargo. Wells Fargo is encouraging me to be late on my mortgage in order to give me assistance, however, the definition of imminent default I believe I meet ; My income is XXXX a month ; my total payment is {$3400.00} I have a little over {$2000.00} in the bank, the threshold is {$25000.00}. I do not trust Wells Fargo they have shown zero interest in my struggle to keep my home.","date_sent_to_company":"2016-03-24T21:44:54.000Z","issue":"Loan modification,collection,foreclosure","sub_product":"Conventional adjustable mortgage (ARM)","zip_code":"95472","tags":null,"has_narrative":true,"complaint_id":"1848060","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2016-03-24T21:44:53.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["I have been requesting mortgage assistance going on 3 three <em>years</em> from Wells Fargo. Wells Fargo is encouraging me to be late on my mortgage in order to give me assistance, however, the definition of imminent default I believe I meet ; My income is XXXX a month ; my total payment is {$3400.00} I have a little <em>over</em> {$2000.00} in the bank, the threshold is {$25000.00}. I do not <em>trust</em> Wells Fargo they have <em>shown</em> zero interest in my struggle to keep my home."]},"sort":[15.826335,"1848060"]},{"_index":"complaint-public-v1","_id":"1623193","_score":15.826335,"_source":{"product":"Mortgage","complaint_what_happened":"Wells Fargo is attempting to sale my home without a legal right to do so. According to the Deed of Trust executed on XX/XX/XXXX and recorded on XX/XX/XXXX in XXXX County ; XXXX, XXXX, solely as a nominee for None Stated dated XX/XX/XXXX and recorded XX/XX/XXXX inthe Official Record Book of the public records of XXXX County, VAgiven to secure the original principal sum of {$700000.00}. XXXX transferred the rights to my property XX/XX/XXXX without notifying me and additional as a number of legal actions have shown, XXXX could not hold the property in the first place. XXXX and Wells Fargo colluded to steel my property. XXXX held my property for over eight years before transferring it to Wells Fargo","date_sent_to_company":"2015-10-25T21:11:02.000Z","issue":"Loan modification,collection,foreclosure","sub_product":"Conventional adjustable mortgage (ARM)","zip_code":"220XX","tags":null,"has_narrative":true,"complaint_id":"1623193","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2015-10-25T21:11:01.000Z","state":"VA","company_public_response":"Company chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["XXXX held my property for <em>over</em> eight <em>years</em> before transferring it to Wells Fargo"]},"sort":[15.826335,"1623193"]},{"_index":"complaint-public-v1","_id":"7455568","_score":15.078082,"_source":{"product":"Checking or savings account","complaint_what_happened":"Bank of America will not release my Funds. Due to no fault of my own. The XXXX in that account is the only thing left I have right now in this world due to my loss of Work due to a XXXX XXXX. I have not ate in over a week. Everyone wants something and no one wants to help me. They will not release my funds even if I file a hardship request supposedly due to Claims and BOA taking the side of the merchants that I have claims with. I have gotten XXXX from one of the merchants and trust me if there is a reason I asked for the funds to be given back by these merchants but they are not even considering the loyalty I've shown for the past 17-18 years. They are not releasing my funds and want me to wait until the XXXX XXXX XXXXXXXX. I've been waiting since before the XXXXXXXX XXXX XXXXXXXX. I have not ate since then.","date_sent_to_company":"2023-08-25T16:19:37.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"33702","tags":null,"has_narrative":true,"complaint_id":"7455568","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2023-08-25T16:08:40.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Funds not received from closed account"},"highlight":{"complaint_what_happened":["I have not ate in <em>over</em> a week. Everyone wants something and no one wants to help me. They will not release my funds even if I file a hardship request supposedly due to Claims and BOA taking the side of the merchants that I have claims with. I have gotten XXXX from one of the merchants and <em>trust</em> me if there is a reason I asked for the funds to be given back by these merchants but they are not even considering the loyalty I've <em>shown</em> for the past 17-18 <em>years</em>."]},"sort":[15.078082,"7455568"]},{"_index":"complaint-public-v1","_id":"15221917","_score":14.713695,"_source":{"product":"Checking or savings account","complaint_what_happened":"Longtime Ally Customer Misled XXXX {$2400.00} Ive banked with Ally for over 10 years and recently experienced a serious failure in their process. I deposited a {$2400.00} check from a source I believed was legitimate. Ally told me it would take two business days to clear and that Id know it had cleared when it showed in my available balance.\n\nTwo days later, the funds were available, so I made withdrawals. The next day, Ally reversed the deposit, calling the check fraudulent, and removed the full amount from my account. \n\nDespite repeated attempts to resolve thisincluding escalating to corporateAlly insists they are not responsible and refuses to refund the money. Their own system indicated the funds were cleared, which misled me into acting in good faith. Without that confirmation, I would not have lost this money.\n\nThis experience has shown me that Allys available balance cant be trusted, and customer protection is lacking.","date_sent_to_company":"2025-08-11T22:22:41.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"30062","tags":null,"has_narrative":true,"complaint_id":"15221917","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ALLY FINANCIAL INC.","date_received":"2025-08-11T22:13:09.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["This experience has <em>shown</em> me that Allys available balance cant be <em>trusted</em>, and customer protection is lacking."]},"sort":[14.713695,"15221917"]},{"_index":"complaint-public-v1","_id":"2736731","_score":14.265945,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"My problem is with Experian Credit Reporting Agency Approximately 3 years ago,, I disputed a number of items on my credit report, especially those that were opened over 7 years ago. They refused to remove it and said it would n't be removed until XX/XX/XXXX ( 15yrs later ). \n\nI 've been the victim of identity theft and notified them of this also and therefore requested any old information and inaccurate information be removed. \n\nI 've worked hard to maintain an excellent credit rating and now it 's dropped over 100. This is n't a true reflection of who I am or my beliefs as a person and its ' worth fighting for in my opinion. \n\nFor the record, I had no issues from XXXX XXXX when I made the request. \n\nMy email : XXXX and you have my address please correspond accordingly. I 'd like to correspond by phone but I do n't trust it any more. \n\nExample : XXXX XXXX opened XX/XX/XXXX, closed and in good standing when closed over 3 years ago ( XX/XX/XXXX ). \n\nXXXX XXXX XXXX : Opened in XX/XX/XXXXClosed No XXXX XXXX XXXX has ever had a late payment. I made 2 payments in XX/XX/XXXXfor both XX/XX/XXXXand XX/XX/XXXX.  However a late payment is shown in XX/XX/XXXX Asked to be Corrected - No change Remove all Credit System International - Never received a bill. Paid once I saw on the Experian report. \n\nAll Accts below are either over 7 yrs old or not mine ( fraud ) : XXXX Formerly XXXX - Not my acct. \nXXXX XXXX/XXXX XXXX","date_sent_to_company":"2017-11-23T16:43:22.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"76140","tags":"Servicemember","has_narrative":true,"complaint_id":"2736731","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2017-11-23T14:49:15.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Old information reappears or never goes away"},"highlight":{"complaint_what_happened":["Example : XXXX XXXX opened XX/XX/XXXX, closed and in good standing when closed <em>over</em> 3 <em>years</em> ago ( XX/XX/XXXX ). \n\nXXXX XXXX XXXX : Opened in XX/XX/XXXXClosed No XXXX XXXX XXXX has ever had a late payment. I made 2 payments in XX/XX/XXXXfor both XX/XX/XXXXand XX/XX/XXXX.  However a late payment is <em>shown</em> in XX/XX/XXXX Asked to be Corrected - No change Remove all Credit System International - Never received a bill. Paid once I saw on the Experian report."]},"sort":[14.265945,"2736731"]},{"_index":"complaint-public-v1","_id":"4434567","_score":14.029272,"_source":{"product":"Checking or savings account","complaint_what_happened":"My brother-in-law, XXXX XXXX XXXX, passed away on XX/XX/XXXX. I was named and accepted the responsibility of serving as Successor Trustee for the revocable trust XXXX set up for his XXXX XXXX surviving child, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Revocable Trust ). XXXX had a savings and checking account with Santander Bank set up under the name of the trust. I submitted a request for the funds as the successor trustee on XX/XX/XXXX. Santander Bank has refused me access to those funds saying that a prior trust account exists on their record. They have refused to provide me with any other information to help me straighten this out and have refused to provide me with any formal response regarding my request. I was told on XX/XX/XXXX that a written response from their legal team would be forthcoming but nothing has ever come. Their representative, XXXX XXXX, has provided no help or advice, has been unresponsive to requests for a formal written decision regarding the matter and has shown no concern for the fact that these monies are needed for the care of a now parentless XXXX XXXX  child. He has given me the run around time after time. This despite the fact that we agree on the following facts : 1. The accounts are titled XXXX XXXX XXXX XXXX XXXX XXXX. I am the legally established Successor Trustee for the XXXX XXXX XXXX XXXX Revocable Trust and have submitted all necessary documentation to support that 3. Although the checking account in question was set up in XXXX the savings account was set up in XXXX, after the existence of XXXX XXXX XXXX XXXX XXXX XXXX XXXX states that their records show the existence of a prior trust in XXXX but will not provide any information regarding it. This is hard to believe as my sisters death in XXXX prompted the arrangement for a trust in the first place. Also, there is no one else connected to the family who could possibly be a successor. XXXX was estranged from his sister in Florida for many years and I know for a fact that his brother in California, my two sisters and brother are not named. There is no other related or interested party, period. Who Mr. XXXX intends to turn this money over to is a mystery to me and he refuses to help despite the needs of the surviving child.","date_sent_to_company":"2021-07-06T21:06:31.000Z","issue":"Managing an account","sub_product":"Savings account","zip_code":"020XX","tags":null,"has_narrative":true,"complaint_id":"4434567","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SANTANDER BANK, NATIONAL ASSOCIATION","date_received":"2021-06-05T21:56:32.000Z","state":"MA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["XXXX intends to turn this money <em>over</em> to is a mystery to me and he refuses to help despite the needs of the surviving child."]},"sort":[14.029272,"4434567"]},{"_index":"complaint-public-v1","_id":"2763277","_score":13.883533,"_source":{"product":"Mortgage","complaint_what_happened":"I have previously submitted 2 complaints about this company and situation. Previous complaint # XXXX and # XXXX. Pertinent documents were attached with the previous complaints.The saga continues. I had XXXX this year and made a payment arrangement with the mortgage company to spread the payments I would miss over a course of months. I received a signed letter from the company stating what the arrangement agreement was. A month later I received a letter stating I take a loan modification or face foreclosure. That problem was supposedly resolved after the 2nd complaint to you. On XXXX XXXX, XXXX at XXXX XXXX I spoke with XXXX at XXXX XXXX about a payment made and advised her it was guaranteed to be received that day. She proceeded to ask if this was the amount on the loan modification that was showing on my account. Imagine my frustration and disgust that this company is still trying to bully me into this modification. A loan modification would benefit them by extending the terms of my loan and give them added interest payments on that loan. I informed her there should not be a loan modification and asked why it was still showing. No answer to that. I fear that this will be an on going problem and this company has shown over the years that they ca n't be trusted. My mortgage was sold to XXXX many years ago, their name changed to Green Tree and now it 's Ditech. All owned by the original Everhome. It 's just the wolf in a sheeps clothing. Also as a result of the original complaint I was not to be contacted by phone anymore and of course, that is still happening. I sincerely wish I could get this mortgage into a more reliable and trustworthy company.","date_sent_to_company":"2017-12-23T14:31:29.000Z","issue":"Trouble during payment process","sub_product":"Other type of mortgage","zip_code":"46530","tags":"Servicemember","has_narrative":true,"complaint_id":"2763277","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Ditech Financial LLC","date_received":"2017-12-23T13:57:02.000Z","state":"IN","company_public_response":"Company believes complaint is the result of an isolated error","sub_issue":null},"highlight":{"complaint_what_happened":["I fear that this will be an on going problem and this company has <em>shown</em> <em>over</em> the <em>years</em> that they ca n't be <em>trusted</em>. My mortgage was sold to XXXX many <em>years</em> ago, their name changed to Green Tree and now it 's Ditech. All owned by the original Everhome. It 's just the wolf in a sheeps clothing. Also as a result of the original complaint I was not to be contacted by phone anymore and of course, that is still happening."]},"sort":[13.883533,"2763277"]},{"_index":"complaint-public-v1","_id":"6019831","_score":13.400932,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/2022 Chime closed my account for violating terms and conditions after a review. I was not given a specific reason why even after replying and requesting more information as to how decision was made. All they did was refer me to the user agreement which does nothing to indicate why my account was closed. It is just too vague to help me at all. I can not call them, as the auto message refers me to the email. I can not login to use chat, as my login credentials are no longer valid. \nSo, after several years without a problem, now my money is gone and my future deposits are going to be returned. Any help would be appreciated here. \nChime also did nothing to help me with multiple disputes I had with a single merchant that never sent my orders. I had over 20 orders that I never received over course of 12-14 months and Chime customer service said that I could open a dispute for each transaction I never got from the merchant. So, back in XXXX of XXXX, after spending hours on phone and collecting all the documents proving that I didnt get any of the orders, they almost immediately denied the claims and any appeal and then sent me a letter accusing me of falsely opening disputes to get temporary credit. This was a real slap in the face. I was absolutely floored. What am I supposed to do when I dont get the stuff I paid for? Chime doesnt care and accuses me of fraud. My first few years I promoted Chime, but these last few months have shown me that they are not to be trusted. Thank you for your time. Respectfully.","date_sent_to_company":"2022-09-27T03:23:51.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"94609","tags":null,"has_narrative":true,"complaint_id":"6019831","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2022-09-27T02:37:25.000Z","state":"CA","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["My first few <em>years</em> I promoted Chime, but these last few months have <em>shown</em> me that they are not to be <em>trusted</em>. Thank you for your time. Respectfully."]},"sort":[13.400932,"6019831"]},{"_index":"complaint-public-v1","_id":"10089970","_score":12.610903,"_source":{"product":"Credit card","complaint_what_happened":"Chase Freedom Visa Card Statement Due date XX/XX/XXXX. At account summary it shows a debit amount of {$190.00} instead of a credit amount of {$600.00}. I paid the {$190.00} on XX/XX/XXXX, Confermation number XXXX, unaware what was going on. I trusted Chase too much. On my payment due date of XX/XX/XXXX under account summery it shows a credit of {$230.00} however I only paid {$190.00} on XX/XX/XXXX. The same summary shows Purchases in the amount of {$790.00} but I had a redemption credit of {$43.00} and it should be {$750.00}. The new debit balance is shown as {$750.00}, however it should be {$550.00}. Stupid me I paid {$740.00} on XX/XX/XXXX Confermation Number XXXX on XX/XX/XXXX Credit card statement. \nThere is also a debit of {$830.00} instead of {$840.00} on my XXXX XXXX XXXX XXXX XXXXXXXX Statement by Chase for XXXX XX/XX/XXXX due credit card statement. \nThere are many other errors which I can supply additionally. Can one ask the bank for previous purchase details copies. I miss some. \nAlso Chase pocketed the difference between what a grocery store charges to my credit card and the final smaller amount. I never got a credit on my account. This happened over the years. Others must have the same experience. \nThank you for your help.","date_sent_to_company":"2024-09-11T16:32:34.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"30075","tags":"Older American","has_narrative":true,"complaint_id":"10089970","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-09-05T22:43:25.000Z","state":"GA","company_public_response":null,"sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["This happened <em>over</em> the <em>years</em>. Others must have the same experience. \nThank you for your help."],"issue":["Problem with a purchase <em>shown</em> on your statement"]},"sort":[12.610903,"10089970"]},{"_index":"complaint-public-v1","_id":"16068364","_score":12.572535,"_source":{"product":"Mortgage","complaint_what_happened":"My mortgage has been reported as a foreclosure yet Ive been making payments. The loan was sold and I was not notified at all. I found out when trying to make a western union complaint. I started loss mitigation and was promised the months unpaid would be moved to the end of the loan. Now Im being told 14 years are being added to the loan for the modification. I experienced difficulty due to my mother being XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n\nThe mortgage company lost payments, said payments used the wrong account number when theyve had my same routing and account number for over XXXX years. They lied many times throughout loss mitigation. I was promised that my crediting reporting and account would be shown as current by XX/XX/XXXX. Today, I still have not had this resolved. I was told NOT to pay until the loss mitigation was complete yet my crediting reporting report shows the home as foreclosed for months!!! \n\nI made a payment because I dont trust first home and it was never applied to anything. Today I was told that the payment is in suspense to be deducted from total past due. Today I was also told : Corrected bank account numbers are fixed Established trial plan was never broken Trial plan approved Next steps to get docs ordered and sent out to me Docs will be Sent via XXXX in 10 days and next payment is due XXXX XX/XX/XXXX. How is this possible when I dont have the loss mitigation papers?","date_sent_to_company":"2025-09-23T08:51:04.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"20020","tags":null,"has_narrative":true,"complaint_id":"16068364","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FIRST HOME MORTGAGE CORPORATION","date_received":"2025-09-23T08:32:08.000Z","state":"DC","company_public_response":null,"sub_issue":"Trying to communicate with the company to fix an issue while managing or servicing your loan"},"highlight":{"complaint_what_happened":["Now Im being told 14 <em>years</em> are being added to the loan for the modification. I experienced difficulty due to my mother being XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n\nThe mortgage company lost payments, said payments used the wrong account number when theyve had my same routing and account number for <em>over</em> XXXX <em>years</em>. They lied many times throughout loss mitigation."]},"sort":[12.572535,"16068364"]},{"_index":"complaint-public-v1","_id":"10834348","_score":12.5659485,"_source":{"product":"Credit card","complaint_what_happened":"Capital One closed my credit card account for returned payments. I have been a loyal customer for ( 2 ) years. I had XXXX or XXXX returned payments in a row due to insufficient funds in the account it was pulled from due to a simple error. I never had XXXX missed payment throughout my history of being a customer. \n\nOn or about XX/XX/year>2024 a payment was made from my XXXX account and returned. The current balance is ~1/4th of the existing credit line. \n\nSince XXXX of this year, 2024, my account has been closed. \n\nI was lead to believe that my account will most definitely be reopened once the returned payments were adjusted and efforts were shown which were both met. \n\nI feel as if I was treated unfair and that this act has negatively impacted me when I did my best to correct it and have, as a loyal customer of 2 years that has never missed ( XXXX ) payment. \n\nI also fear as if the request for the reopening of my account was submitted incorrectly or inadequately, and that my account was not thoroughly investigated, and that my concerns or efforts are going unnoticed. \n\nI have spoke to numerous fraud specialists over the phone and they have told me that after reviewing my account it was weird that it was closed. I do not feel treated like a customer. All of the trust and credit I have earned with Capital One as a loyal customer have been damaged due to a corrected mistake. My credit score has been negatively impacted and is only getting worse. This was so unexpected and even after I made payments as a loyal customer, Capital One did not recognize my efforts as I was lead to believe they would.","date_sent_to_company":"2024-11-18T15:07:50.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"161XX","tags":null,"has_narrative":true,"complaint_id":"10834348","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2024-11-18T14:44:12.000Z","state":"PA","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["I have spoke to numerous fraud specialists <em>over</em> the phone and they have told me that after reviewing my account it was weird that it was closed. I do not feel treated like a customer. All of the <em>trust</em> and credit I have earned with Capital One as a loyal customer have been damaged due to a corrected mistake. My credit score has been negatively impacted and is only getting worse."]},"sort":[12.5659485,"10834348"]},{"_index":"complaint-public-v1","_id":"4998731","_score":12.255331,"_source":{"product":"Mortgage","complaint_what_happened":"I have made about a dozen calls to SunTrust about the mortgage I have with them for a duplex I own in XXXX, VA ( Loan # XXXX ). More specifically, I've contacted them because of two problems : 1 ) the amount of remaining principal shown on my monthly mortgage statements is about {$10000.00} more than the amount shown when I log into the website. They tell me the latter is the correct amount but despite numerous promises to fix the problem over many months, the statements still show the incorrect/higher amount. I have no idea whether the interest I'm being charged is based on the correct amount of principal!! \n\nThis problem likely stems from the fact that in XX/XX/2020 I signed up for the payment deferral program. I have since, as of about XXXX months ago, made every one of the missing payments and thus the correct principal amount should be exactly what it would have been at this point, had I never signed up for that program. This leads to problem # 2...\n\n2 ) I have asked for a record of all payments made and received on the loan for the last XXXX years, including the amounts that went to pay interest, escrow items, and toward principal, along with the monthly principal balance, simply because I have a feeling the lower amount of principal they claim is correct ( about {$200000.00} ) also is too high and thus is inaccurate. Getting this record will allow me to determine whether the principal amount claimed is in fact correct. \n\nWhen I call about these issues, first, I'm passed around like a hot potato among different departments ; eventually I'm told it will be corrected, that the next statement I get will be correct, and that they will send me the record of all payments made and the monthly balance. None of these things have happened. I have since asked to speak to a supervisor but I've been told one will call me back. That also has not yet happened! I literally have spent hours and hours on the phone with these clowns but thus far, nothing has been done! I am very busy, like most people, and do not have time for such nonsense. I have been a good customer of SunTrust for a long time and they used to be a good company. However, since they merged with BB & T, everything has fallen apart. When I move back to XXXX from XXXX, I likely will close my bank account with them and get a new mortgage for the property in question. This company has become a bad joke.","date_sent_to_company":"2021-12-11T00:15:33.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"98119","tags":null,"has_narrative":true,"complaint_id":"4998731","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRUIST FINANCIAL CORPORATION","date_received":"2021-12-10T23:38:12.000Z","state":"WA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["I have made about a dozen calls to Sun<em>Trust</em> about the mortgage I have with them for a duplex I own in XXXX, VA ( Loan # XXXX ). More specifically, I've contacted them because of two problems : 1 ) the amount of remaining principal <em>shown</em> on my monthly mortgage statements is about {$10000.00} more than the amount <em>shown</em> when I log into the website."]},"sort":[12.255331,"4998731"]},{"_index":"complaint-public-v1","_id":"2015884","_score":12.225115,"_source":{"product":"Mortgage","complaint_what_happened":"My situation began with B of A in XX/XX/XXXX when I began a loan modification just before I left the country to work in XXXX. Over the next three years B of A kept delaying the process by constantly requesting more and more paperwork, different forms, saying the program had changed so they needed all new paper work. While at their instructions I did not make any payments until they gave me a modification offer. This process drug out for about 3 years until in XX/XX/XXXX when I was given an offer that I considered ludicrous. It was NO modification at all. So at that time opted for a short sale. By XXXX XXXX I had an agent who had a buyer for the short sale. B of A had paid my step son about {$2500.00} \" cash for keys '' because he was living in the house while I was overseas. I thought it was a done deal. I learned several months later that B of A had cancelled the sale in XX/XX/XXXX then foreclosed and sold the property at auction in the \" dark of night '' without any notification to myself or my agent. I later learned that it was sold to XXXX XXXX for {$110000.00} on XXXX XXXX, XXXX. XXXX XXXX is a partner/cousin of B of A. Sounds like a pretty shady deal to me. I spoke to the foreclosure attorneys who are listed on the court document and they assured me that the foreclosure was completed. The foreclosure was done as a service to \" Recon Trust '' another B of A company who I understand has been under investigation. So again I thought the property was gone and since I was working overseas there was nothing I could do about it and just let it go. \nI returned home to the US XX/XX/XXXX and was looking for a new place to live. Upon checking my credit I learned that the loan had not been removed at the time of the foreclosure but remained as a big negative mark on my credit file. I also found my house pictured on a real-estate site with the caption \" not for sale ''. Why was it shown on a real-estate site but not for sale? I contacted the agent listed and was told that they were given the listing by B of A but the bank kept refusing all offers for the property. More research I came to find out that a company called XXXX was now handling the loan. Come to find out that in XX/XX/XXXX at the same time B of A was having Recon Trust foreclose on the property they had also transferred servicing of the loan to XXXX as a delinquent loan, NOT a foreclosed loan. XXXX knew NOTHING about the foreclosure. When B of A foreclosed on the property they simply abandon it, \" washed their hands of it '' then turned it over the XXXX. There was NO oversite or care to the property, allowing damage and vandalism to occur. When I contacted SPS, I was asked if I wanted to begin a loan modification. They apparently had NO record that B of A had put me through the process 5 years earlier. They were also unaware that I was not living in the house and had been overseas until XX/XX/XXXX. They told me that the property was indeed mine and I could be living in it. So after consulting a couple of law firms and the MS attorney general we moved XX/XX/XXXX, and began again the modification process with SPS. Over the next couple of years I learned what a serious mess this has become. For the first couple years XXXX refused to accept the fact that the property had been foreclosed on and that issue needs to be corrected at the county level. The damage that the bank allowed needs to be repaired as well as my credit that has been ruined by the banks actions needs to be corrected. \nThey have me in a position of not being able to not having the ability to live safely and securely in my home and not being able to buy another home. This is the main saga XXXX that I have been subjected to over the past few years. There are more details that I will fill you in on. The primary companies involved are ; Bank of America XXXX XXXX XXXX","date_sent_to_company":"2016-07-19T15:08:21.000Z","issue":"Loan servicing, payments, escrow account","sub_product":"Conventional adjustable mortgage (ARM)","zip_code":"38637","tags":null,"has_narrative":true,"complaint_id":"2015884","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2016-07-17T22:29:38.000Z","state":"MS","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["This is the main saga XXXX that I have been subjected to <em>over</em> the past few <em>years</em>. There are more details that I will fill you in on. The primary companies involved are ; Bank of America XXXX XXXX XXXX"]},"sort":[12.225115,"2015884"]},{"_index":"complaint-public-v1","_id":"3316324","_score":12.073628,"_source":{"product":"Checking or savings account","complaint_what_happened":"Beginning XX/XX/XXXX, my Mother set up 3 generous Indenture trusts for my XXXX children, via Compass Bank. She made Compass and I co-trustees each account. Neither myself or then spouse XXXX XXXX donated to trusts. My spouse never showed interest in viewing the Compass monthly summaries, though I would have loved for him to! The trusts were never my money and therefore not  divisible in our final year of divorce, XX/XX/XXXX. In XX/XX/XXXX Compass trust officer Mr.XXXX  indicated to me by phone that the XXXX Court was pressuring him to make the trust of our youngest-XXXX- a marital asset. Mr. XXXX called me one day in tears, around end of XX/XX/XXXX, saying the Court had him fired for approving a car expense for XXXX. Her used XXXX, by the way, proved indespensable & the portion from her trust to pay for it was only due to XXXX XXXX not paying his court ordered payments on her car. XX/XX/XXXX became awful \" trust wise. '' After 26 years of being co-trustee, sending my XXXX older children thru college with trust money at the end of their finishing college, XXXX court added a seemingly innocent addendum to our FJOD, XX/XX/XXXX.The additional order said XXXX XXXX could view the trust, but, in reality, I was stripped of my half control of trust, my half given to spouse, against the trust contract & my mother 's wishes. I still got monthly summaries, but tuition bills were set to automatically withdraw from the trust without my seeing them, which I didn't agree to, and my daughter was told to ask for funds from Trust Officer XXXX XXXX, or from XXXX 's formerly uninterested father, XXXX XXXX, all without my knowledge, as opposed to asking me.Basically I had no idea how my Mom 's gift was being spent until after the fact.Therefore I can not trace payments to her account as valid. At age XXXX, with two years of college left, XXXX received, supposedly, the principle & income of her trust. I have contested that disbursement as not being her true principal with AL Banking Dept, who ruled favoring Compass. Al Banking Letter stated Compass had no.choice but to obey \" XXXX '' order. Other Banks in this situation have tried to educate Court on stringent UTMA rules. One bank even appealed in court and won. An UTMA is not a marital asset, especially when it's third party.Compass did zero to contest the judicial order and protect XXXX 's asset. Compass fired the Trust Officer MrXXXX XXXX who agreed with me something illegal going on.The Banking Dept Letter cited a credit/debit log to prove no money taken, a log just like a normal checking account cited in their report. That's a problem : a trust should not run like a checking account, funds should be invested & grow.The log showed, according to the letter, funds spent correctly, even though not a true accounting : no records of my daughter 's requests for money & no proof of receipt given. It takes more than a simple log to prove no trust malfeasance.If there was more proof I did not see it. The missing principal at disbursement was cited by XXXX XXXX as \" just closing trust '' and the \" XX/XX/XXXX taxes '' of {$1400.00} -that said exactly what they were,XX/XX/XXXX taxes-were not really XX/XX/XXXX taxes at all. I disagree.Concerns : ( 1 ) XXXX never received principal of {$15000.00} She should have received the {$1400.00} included in the {$15000.00}. XXXX 's trust supposedly \" closed '' with receipt of {$7300.00} on XX/XX/XXXX. Trust did NOT close XX/XX/XXXX, as the {$1.00} interest on XX/XX/XXXX was not given to her on XX/XX/XXXX but changed to \" fee '' status on XX/XX/XXXX, swallowed up with rest of bank fees. Compass stole that tiny interest, {$1.00}, it's still wrong! On XX/XX/XXXX, the {$14000.00} principal -as shown on \" statement of assets '' -dated end XX/XX/XXXX, bottom of page, and {$1400.00} ( tax rate 10 % on {$24000.00} for whoever stole her money ) are added to make the final stolen principal of {$15000.00}. Adding principal and illegal personal tax reimbursement together equals {$15000.00}. The principal on XX/XX/XXXX is about {$400.00} less due to devaluation : {$15000.00}. ( 2 ) Why wasn't XXXX was advised on how to handle a nice NOL {$3900.00} when trust closed, after all she paid over {$1000.00} in fees! ( 3 ) Why not advise her of excess deductible bank expenditures listed on K1? I couldn't advise because I never saw these details prior to XXXX XXXX letter : excess deductions {$440.00} and {$570.00}. ( 4 ) Why is trust principal not on \" account snapshot '' page but always further back on \" transaction summary '' page? Transaction Summary page is just a log of transactions. Was the principal invested AT ALL? If majority of trust principal is set aside, uninvested, the bank fails in honoring their agreement with my Mother, XXXX XXXX, enacted XX/XX/XXXX & there -explained- is ( 5 ) the trust 's amazing financial losses : its making only a few dollars of income per year.","date_sent_to_company":"2019-07-24T00:43:07.000Z","issue":"Managing an account","sub_product":"Other banking product or service","zip_code":"35209","tags":"Older American","has_narrative":true,"complaint_id":"3316324","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BBVA FINANCIAL CORPORATION","date_received":"2019-07-23T21:56:28.000Z","state":"AL","company_public_response":null,"sub_issue":"Funds not handled or disbursed as instructed"},"highlight":{"complaint_what_happened":["XX/XX/XXXX became awful \" <em>trust</em> wise. '' After 26 <em>years</em> of being co-trustee, sending my XXXX older children thru college with <em>trust</em> money at the end of their finishing college, XXXX court added a seemingly innocent addendum to our FJOD, XX/XX/XXXX.The additional order said XXXX XXXX could view the <em>trust</em>, but, in reality, I was stripped of my half control of <em>trust</em>, my half given to spouse, against the <em>trust</em> contract & my mother 's wishes."]},"sort":[12.073628,"3316324"]},{"_index":"complaint-public-v1","_id":"14380582","_score":11.907092,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"PRIVATE, CONFIDENTIAL, SPECIAL, AND IN CONFIDENCE NOTICE TO PRINCIPAL IS NOTICE TO AGENT. NOTICE TO AGENT IS NOTICE TO PRINCIPAL. \n\nThis is a formal and lawful complaint against XXXX XXXX, filed by XXXX XXXX XXXX, in the capacity of XXXX and real party in interest over the estate and private trust involved in this matter. XXXX XXXX is reporting false, misleading, and materially injurious information on my credit report, despite having no lawful standing, authority, or contract supported by consideration. \n\nXXXX is incorrectly designating me as a debtor on an account that has already been : Discharged via Form 1099-C, confirming cancellation of any claimed indebtedness ; Transferred into a securitized trust, as shown through my XXXX chain-of-title audit, meaning XXXX  no longer owns the asset XXXX And falsely reported as active, delinquent, or in default, which violates several federal statutes and executive orders. \n\nThis matter does not involve a conventional consumer loan, but rather a private trust agreement. The original transaction lacked lawful consideration, full disclosure, and mutual assent rendering it void ab initio. I was unlawfully induced into providing a {$1000.00} down payment under the false pretense of a bilateral contract, when in fact the promissory note was used as the true collateral and monetized without my knowledge. The vehicle was then stolen from me via unlawful repossession, and sold, resulting in unjust enrichment by XXXX XXXX. \nXXXX XXXX is reporting a balance of {$17000.00} across XXXX XXXX XXXX XXXX  while simultaneously displaying a balance of {$17000.00} on its internal customer portal. These discrepancies prove the account is not properly validated or lawfully maintained. Furthermore, since XXXX XXXX issued a Form 1099-C, they have no legal right to continue furnishing derogatory information to credit bureaus. Their behavior constitutes furnishing false and misleading credit information, violating 15 U.S.C. 1681s-2 ( a ), 1692e, and Texas Finance Code 392.101 for operating without a state bond. These actions are deceptive, retaliatory, and harmful to my financial standing Furthermore, XXXX has : No bond on file with the Texas Secretary of State, as required under Texas Finance Code 392.101, to legally collect debt in the State of Texas ; Acted in willful violation of : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishing inaccurate or unverifiable credit information ; 15 U.S.C. 1692e ( 8 ) Misrepresenting a discharged debt as active in consumer reports ; Executive Order 13924 Prohibiting creditors from reporting adverse information following debt discharge ( via 1099-C or charge-off ) ; And refused to identify the current note holder, creditor of record, or trust custodian. \n\nI am the Executrix and authorized representative of the private express trust, and XXXX XXXX has no standing to report this account. They are unlawfully attaching trust res to a commercial scheme while failing to disclose their role as third-party debt collectors with no verified bond, no verifiable claim, and no valid legal instrument to act upon. \n\nAs a result of this conduct : I have been denied housing, employment, and transportation ; I have suffered emotional distress, financial hardship, and public injury ; I have been obstructed from accessing lawful commercial remedies and equitable relief. \nThis matter will go forward to a Verified Notice of Fiduciary Breach and Demand to Cure pending a bill in equity due to the injuries sustained for over XXXX years as a family. I demand this be removed from my credit report and that I be given notice the account is PIF I will also be submitting a 3949. IRS prefer to investigation account share this account stay on this credit profile more than XXXX hours.","date_sent_to_company":"2025-06-30T06:45:22.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"980XX","tags":null,"has_narrative":true,"complaint_id":"14380582","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2025-06-30T06:44:45.000Z","state":"WA","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["This matter will go forward to a Verified Notice of Fiduciary Breach and Demand to Cure pending a bill in equity due to the injuries sustained for <em>over</em> XXXX <em>years</em> as a family. I demand this be removed from my credit report and that I be given notice the account is PIF I will also be submitting a 3949. IRS prefer to investigation account share this account stay on this credit profile more than XXXX hours."]},"sort":[11.907092,"14380582"]},{"_index":"complaint-public-v1","_id":"14380581","_score":11.907092,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"PRIVATE, CONFIDENTIAL, SPECIAL, AND IN CONFIDENCE NOTICE TO PRINCIPAL IS NOTICE TO AGENT. NOTICE TO AGENT IS NOTICE TO PRINCIPAL. \n\nThis is a formal and lawful complaint against XXXX XXXX, filed by XXXX XXXX XXXX, in the capacity of XXXX and real party in interest over the estate and private trust involved in this matter. XXXX XXXX is reporting false, misleading, and materially injurious information on my credit report, despite having no lawful standing, authority, or contract supported by consideration. \n\nXXXX is incorrectly designating me as a debtor on an account that has already been : Discharged via Form 1099-C, confirming cancellation of any claimed indebtedness ; Transferred into a securitized trust, as shown through my XXXX chain-of-title audit, meaning Exeter no longer owns the asset XXXX And falsely reported as active, delinquent, or in default, which violates several federal statutes and executive orders. \n\nThis matter does not involve a conventional consumer loan, but rather a private trust agreement. The original transaction lacked lawful consideration, full disclosure, and mutual assent rendering it void ab initio. I was unlawfully induced into providing a {$1000.00} down payment under the false pretense of a bilateral contract, when in fact the promissory note was used as the true collateral and monetized without my knowledge. The vehicle was then stolen from me via unlawful repossession, and sold, resulting in unjust enrichment by XXXX XXXX. \nXXXX XXXX is reporting a balance of {$17000.00} across TransUnion, Experian, and Equifax while simultaneously displaying a balance of {$17000.00} on its internal customer portal. These discrepancies prove the account is not properly validated or lawfully maintained. Furthermore, since XXXX XXXX issued a Form 1099-C, they have no legal right to continue furnishing derogatory information to credit bureaus. Their behavior constitutes furnishing false and misleading credit information, violating 15 U.S.C. 1681s-2 ( a ), 1692e, and Texas Finance Code 392.101 for operating without a state bond. These actions are deceptive, retaliatory, and harmful to my financial standing Furthermore, XXXX has : No bond on file with the Texas Secretary of State, as required under Texas Finance Code 392.101, to legally collect debt in the State of Texas ; Acted in willful violation of : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishing inaccurate or unverifiable credit information ; 15 U.S.C. 1692e ( 8 ) Misrepresenting a discharged debt as active in consumer reports ; Executive Order 13924 Prohibiting creditors from reporting adverse information following debt discharge ( via 1099-C or charge-off ) ; And refused to identify the current note holder, creditor of record, or trust custodian. \n\nI am the Executrix and authorized representative of the private express trust, and XXXX XXXX has no standing to report this account. They are unlawfully attaching trust res to a commercial scheme while failing to disclose their role as third-party debt collectors with no verified bond, no verifiable claim, and no valid legal instrument to act upon. \n\nAs a result of this conduct : I have been denied housing, employment, and transportation ; I have suffered emotional distress, financial hardship, and public injury ; I have been obstructed from accessing lawful commercial remedies and equitable relief. \nThis matter will go forward to a Verified Notice of Fiduciary Breach and Demand to Cure pending a bill in equity due to the injuries sustained for over XXXX years as a family. I demand this be removed from my credit report and that I be given notice the account is PIF I will also be submitting a 3949. IRS prefer to investigation account share this account stay on this credit profile more than XXXX hours.","date_sent_to_company":"2025-06-30T06:45:17.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"980XX","tags":null,"has_narrative":true,"complaint_id":"14380581","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-06-30T06:44:45.000Z","state":"WA","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["This matter will go forward to a Verified Notice of Fiduciary Breach and Demand to Cure pending a bill in equity due to the injuries sustained for <em>over</em> XXXX <em>years</em> as a family. I demand this be removed from my credit report and that I be given notice the account is PIF I will also be submitting a 3949. IRS prefer to investigation account share this account stay on this credit profile more than XXXX hours."]},"sort":[11.907092,"14380581"]},{"_index":"complaint-public-v1","_id":"14380068","_score":11.88125,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"PRIVATE, CONFIDENTIAL, SPECIAL, AND IN CONFIDENCE NOTICE TO PRINCIPAL IS NOTICE TO AGENT. NOTICE TO AGENT IS NOTICE TO PRINCIPAL. \n\nThis is a formal and lawful complaint against Exeter Finance, filed by XXXX XXXX XXXX, in the capacity of Executrix and real party in interest over the estate and private trust involved in this matter. Exeter Finance is reporting false, misleading, and materially injurious information on my credit report, despite having no lawful standing, authority, or contract supported by consideration. \n\nExeter is incorrectly designating me as a debtor on an account that has already been : Discharged via Form 1099-C, confirming cancellation of any claimed indebtedness ; Transferred into a securitized trust, as shown through my XXXX chain-of-title audit, meaning Exeter no longer owns the asset XXXX And falsely reported as active, delinquent, or in default, which violates several federal statutes and executive orders. \n\nThis matter does not involve a conventional consumer loan, but rather a private trust agreement. The original transaction lacked lawful consideration, full disclosure, and mutual assent rendering it void ab initio. I was unlawfully induced into providing a {$1000.00} down payment under the false pretense of a bilateral contract, when in fact the promissory note was used as the true collateral and monetized without my knowledge. The vehicle was then stolen from me via unlawful repossession, and sold, resulting in unjust enrichment by Exeter Finance. \nExeter Finance is reporting a balance of {$17000.00} across TransUnion, Experian, and Equifax while simultaneously displaying a balance of {$17000.00} on its internal customer portal. These discrepancies prove the account is not properly validated or lawfully maintained. Furthermore, since Exeter Finance issued a Form 1099-C, they have no legal right to continue furnishing derogatory information to credit bureaus. Their behavior constitutes furnishing false and misleading credit information, violating 15 U.S.C. 1681s-2 ( a ), 1692e, and XXXX XXXX XXXX XXXX for operating without a state bond. These actions are deceptive, retaliatory, and harmful to my financial standing Furthermore, Exeter has : No bond on file with the Texas Secretary of State, as required under Texas Finance Code 392.101, to legally collect debt in the State of Texas ; Acted in willful violation of : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishing inaccurate or unverifiable credit information ; 15 U.S.C. 1692e ( 8 ) Misrepresenting a discharged debt as active in consumer reports ; Executive Order 13924 Prohibiting creditors from reporting adverse information following debt discharge ( via 1099-C or charge-off ) ; And refused to identify the current note holder, creditor of record, or trust custodian.\n\nI am the Executrix and authorized representative of the private express trust, and Exeter Finance has no standing to report this account. They are unlawfully attaching trust res to a commercial scheme while failing to disclose their role as third-party debt collectors with no verified bond, no verifiable claim, and no valid legal instrument to act upon. \n\nAs a result of this conduct : I have been denied housing, employment, and transportation ; I have suffered emotional distress, financial hardship, and public injury ; I have been obstructed from accessing lawful commercial remedies and equitable relief. \nThis matter will go forward to a Verified Notice of Fiduciary Breach and Demand to Cure pending a bill in equity due to the injuries sustained for over XXXX years as a family. I demand this be removed from my credit report and that I be given notice the account is PIF I will also be submitting a 3949. IRS prefer to investigation account share this account stay on this credit profile more than XXXX hours.","date_sent_to_company":"2025-06-30T06:45:17.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"980XX","tags":null,"has_narrative":true,"complaint_id":"14380068","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Exeter Finance, LLC.","date_received":"2025-06-30T05:51:45.000Z","state":"WA","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["This matter will go forward to a Verified Notice of Fiduciary Breach and Demand to Cure pending a bill in equity due to the injuries sustained for <em>over</em> XXXX <em>years</em> as a family. I demand this be removed from my credit report and that I be given notice the account is PIF I will also be submitting a 3949. IRS prefer to investigation account share this account stay on this credit profile more than XXXX hours."]},"sort":[11.88125,"14380068"]},{"_index":"complaint-public-v1","_id":"1723588","_score":11.854446,"_source":{"product":"Debt collection","complaint_what_happened":"Over the last 6 years, I have corresponded repeatedly with XXXX Bank, loan servicer, XXXX Bank XXXX XXXX, XXXX and XXXX XXXX XXXX, loan servicer, each time reminding them all that XXXX and now XXXX is fraudulently servicing a loan and does not possess legal standing to order a foreclosure. \nXXXX XXXX as Foreclosure Attorneys are representing a fraudulent loan. \nDespite the overwhelmingly incriminating evidence I have gathered and have shown to XXXX, XXXX Bank XXXX XXXX XXXX XXXX XXXX for XXXX XXXX Mortgage XXXX XXXX XXXX, XXXX, XXXX and XXXX and various local attorneys that XXXX has hired to respond to my requests. \nI have had to point out to each of them on several occasions that : - The Security Deed and other documents are different and altered, thus making the Security Deed null and void. Check this out for yourself. \n- Parties admitted that the originator was planning to issue corrective documents, also part of the fraudulent activity I have been pointing out. \n- The recent XXXX XXXX corrective assignment is also fraudulent. \n- The original Assignment of Security Deed that was created on XXXX XXXX, XXXX was not recorded on my property in any XXXX as per my investigation and was fraudulently signed by someone other than the person stated and was assigned to \" BLANK '', no entity or person listed on this document, thus making it null and void. \n- This original Assignment was not only not recorded into public records, it was never actually obtained by XXXX XXXX Mortgage or XXXX Bank. It was stated by XXXX XXXX Mortgage that the note and Security Deed went directly to the trust at the inception of my loan. That is not the case. To this date, XXXX Bank never received my note or Security Deed, nor has any authority to foreclose on my property. Upon the securitization, the note and Security Deed were separated, making the note null and void. \nI have also repeatedly demanded from XXXX documents showing proper chain of title, including a current copy of the promissory note dated XXXX XXXX, XXXX showing all stamps, transfers, endorsements, and assignments and Allonges showing current location of my Note. As XXXX Bank has found, XXXX refuses to provide various mortgage documents. XXXX XXXX XXXX does n't even know anything about these documents. \nXXXX Bank says that they have the right to foreclose on my property because since they are the Trustee they were granted ownership by XXXX XXXX Mortgage, however Unless an asset is transferred into a \" lifetime trust '', the asset DOES NOT become trust property. There was no legal transfer into this trust that claims to be the beneficiary of my note when it was actually assigned to this trust. I can prove it. That means, on or about XXXX XXXX, XXXX, my note was put into the trust that it currently is in and traded fraudulently without legal assignment that placed it there from inception. It was neither reported to the XXXX as an asset to that trust nor reported to the XXXX as being placed in that trust. \nThe assignment of a mortgage without the transfer of the underlying mortgage/note is nullity. I understand that the Security Deed and mortgage note were separated at the inception of the loan. \nI have also pointed out to XXXX Bank that a trustee 's act that is contrary to the trust agreement is void. The trustee has allowed the creation of documents that are incorrect and have been completed by proven, verified and fraudulent Robo Signers. That means that the documentation that was created in order to cause these fraudulent foreclosures were all done illegally. \nNow they 've created a replacement assignment. XXXX XXXX XXXX not being successors in interest did n't have the authority to do such. They were only the debt servicer. Now XXXX through McCalla Raymer are trying to foreclose on my house.","date_sent_to_company":"2015-12-31T22:10:05.000Z","issue":"Taking/threatening an illegal action","sub_product":"Mortgage","zip_code":"30215","tags":null,"has_narrative":true,"complaint_id":"1723588","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"McCalla Raymer Leibert Pierce, LLC","date_received":"2015-12-31T22:10:04.000Z","state":"GA","company_public_response":null,"sub_issue":"Seized/Attempted to seize property"},"highlight":{"complaint_what_happened":["<em>Over</em> the last 6 <em>years</em>, I have corresponded repeatedly with XXXX Bank, loan servicer, XXXX Bank XXXX XXXX, XXXX and XXXX XXXX XXXX, loan servicer, each time reminding them all that XXXX and now XXXX is fraudulently servicing a loan and does not possess legal standing to order a foreclosure. \nXXXX XXXX as Foreclosure Attorneys are representing a fraudulent loan."]},"sort":[11.854446,"1723588"]},{"_index":"complaint-public-v1","_id":"3431856","_score":11.664522,"_source":{"product":"Checking or savings account","complaint_what_happened":"I have been with Bank Of America for over 12 years. I have never had an issue with fraud till now. On XX/XX/XXXX, i had {$1400.00} taken out of the ATM. During the time of the incident i was at work 25 miles away from where the money was taken out. I have shown proof that i was no where near the area where the money was taken out. I have proved my work work schedule, email screen shots, my phone location throughout the day, and also written statements from co workers showing i was work the entire time. My original claim was denied within a week, and on the XX/XX/XXXX i reopened the claim and waited until XXXX.19 to hear back, that is almost THREE months, and they denied my claim again. They never reached out to me ONCE, and every time i called in, there was no update, only just that the bank was doing more research.I trusted BOA to protect me when something happens, but it feels like im the one fighting my bank to get my own money back. I have provided numerous documents and BOA has proved me nothing but a wave off. they have VIDEO of this happening, they KNOW what i look like, so its very CLEAR that it was not me who pulled out the money! I have also thrown had my old debit card thrown away and have requested BOA text alert me before any major withdrawals are made in the future. If this claim does not get resolved, i will lose all faith in BOA and will for SURE change banks and take my business elsewhere","date_sent_to_company":"2019-11-07T17:29:42.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"90660","tags":null,"has_narrative":true,"complaint_id":"3431856","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2019-11-07T17:04:06.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["I have been with Bank Of America for <em>over</em> 12 <em>years</em>. I have never had an issue with fraud till now. On XX/XX/XXXX, i had {$1400.00} taken out of the ATM. During the time of the incident i was at work 25 miles away from where the money was taken out. I have <em>shown</em> proof that i was no where near the area where the money was taken out."]},"sort":[11.664522,"3431856"]},{"_index":"complaint-public-v1","_id":"2772000","_score":11.641742,"_source":{"product":"Mortgage","complaint_what_happened":"We have a mortgage with SunTrust bank. We moved into our brand new walk out basement style home XX/XX/XXXX We are presently paying PMI. We requested to have the PMI removed. On XX/XX/XXXXwe had our first appraisal by XXXX XXXX with XXXX  XXXX XXXX XXXX,XXXX out of XXXX  XXXX, Fl, one county south of our home. The appraisal came back 1% off (a little over $3,000  off) from the required 75% LTV rate.Upon our assessment of this appraisal, there were many concerns and factual errors. One of them including the use of XXXX standards of measurements of GLA (gross livable area) on our basement home but not on the first comparable basement style home next door to us. That was at XXXX assessment. Then the appraiser had the \"actual age\" of the first comparable incorrect. His report stated 0 years when in fact it was 2 years old, a XXXX assessment. There were other concerns and a letter was written regarding our concerns to SunTrust Bank. After much confusion as they had misplaced this letter, SunTrust responded with a  new appraisal at \"no cost to us.\" Unfortunately,  they did charge us a XXXX bill (above an beyond the cost of our original appraisal of XXXX.). After much hassle, we were able to get the money reimbursed back into our account.Due to the errors on the first appraisal and not having an appraiser from our local area (as much of the errors were due to not having knowlege our local market), we fairly requested the second appraiser to be from our county, XXXX XXXX County. SunTrust would not  match our request despite our written concerns. The second appraisal was performed on Saturday,  XX/XX/XXXX by XXXX. XXXX XXXX  XXXX from XXXX XXXX XXXX, XXXX out of XXXX XXXX Florida. This again is in another county, XXXX County. After waiting 6 weeks for the report, we were called by XXXX XXXX  with report that the appraisal is $10,000 less than the first report. We were told the bank would be gracious enough to use the first appraisal. We then asked for a copy of this report for review. Upon review on XX/XX/XXXX, It was apparent there were some issues again. First, we had 1805 sq ft of unfinished basement space apparently not assessed on this appraisal. Second, we did not see any documentation showing any value or acknowledgement given to the over $60,000 worth of home improvements. Actually, we have a XXXX assessment for our \"condition\" when compared to comparables in our neighborhood. Except with one comparable, which is 12 years old, we are equal in condition assessment. On the first appraisal in XXXX we were given a XXXX assessment.  We notified SunTrust through XXXX XXXX on XX/XX/XXXX of these concerns. With many email communications sent to SunTrust regarding status of our new review, we finally received a response via email from XXXX XXXX  on XX/XX/XXXXIt states the appraiser was unable to find any similar style homes as we have a walkout basement style home. However, we have 2 others on our street. It further states this unfinished basement (which is centrally heated/cooled, has power/lights, dry  with a sump pump, and insulated) is an \"amenity\" and has \"no market reaction as to assigning any more value that would be given to a storage area.\" No further cause for reconsideration of value with the appraiser. Still no response to the lack of assessment to the upgrades .With much surprise, as the bank surly was OK IN ACCEPTING  value to this unfinished space when trying to get the home loan, but now, trying to remove PMI, it is no longer of value. Actually, the other 2 homes next door to us that also have unfinished basement space \"amenities\" was also shown to have value upon selling and appraising of their homes for their required mortgages. We fail to understand how it is OK to accept the above reasoning for not assigning value when in fact there is proof in our VERY local market of value, including in our original home appraisal by the bank completed onXX/XX/XXXX So today we called our XXXX XXXX elected county Appraiser, XXXX XXXX. He has been aware of the issues with our appraisals. Upon further research, he stated his main red flag with this second appraisal is that it comes in almost $4,000 LESS than our assessed taxes.(This is all public knowledge by going online to do a property search and XXXX XXXX has in the past welcomed any calls by SunTrust or out of county appraisers).  XXXX  XXXX then explained, our property taxes are based on a Market Value Approach. This is based on recent home sales in our local area. The assessed tax value is 75%-80% of the True Market Value. He is unsure how a fair appraisal would then come in LESS than the taxed assessed value. He stated it can only happen if our home was run down or had a big decline in sales and values in our area. This is  not the case as seen by recent sales in our area. He did a computer assessment which can be off by as much as 10% and our lot/home value came up as $450,000. Even at a 15% decrease that is XXXX. Our assessed taxes are at XXXX (Lot XXXX and home XXXX). The second appraisal came in at XXXX. He understands as an appraiser for the county, appraisals are not based of price per sq foot, however he states there should not be a huge difference in price per square foot  if the homes compared are good comparables in location, size, features and condition. He was surprised to see our home price valued at XXXX a sq ft while the other 3 comparables (1 including a basement home) ranged from XXXX - XXXX per sq foot.  Even our next door neighbor's home, which is a basement home, sold 1 1/2 years ago at a value of XXXX a sq ft. He is puzzled at how these appraisals continue to be so low, as are we. Unfortunately, it appears fraudulent, at the minimum, with inaccurate and unfair appraisals being performed in order for us to continue our PMI payments. SunTrust response times were exceptionally long  (now with 6 payments made since our first appraisal). SunTrust bank has copies of all our letters, appraisals, and correspondences.","date_sent_to_company":"2018-01-04T23:31:29.000Z","issue":"Applying for a mortgage or refinancing an existing mortgage","sub_product":"Conventional home mortgage","zip_code":"32086","tags":null,"has_narrative":true,"complaint_id":"2772000","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SUNTRUST BANKS, INC.","date_received":"2018-01-04T23:17:15.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["His report stated 0 <em>years</em> when in fact it was 2 <em>years</em> old, a XXXX assessment. There were other concerns and a letter was written regarding our concerns to Sun<em>Trust</em> Bank. After much confusion as they had misplaced this letter, Sun<em>Trust</em> responded with a  new appraisal at \"no cost to us.\" Unfortunately,  they did charge us a XXXX bill (above an beyond the cost of our original appraisal of XXXX.)."]},"sort":[11.641742,"2772000"]},{"_index":"complaint-public-v1","_id":"7797600","_score":11.602295,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I have been a loyal Chase customer for over XXXX years, but recent events have severely shaken my trust in this institution. My ordeal began when my XXXX XXXX XXXX XXXX was stolen, resulting in unauthorized individuals accessing my XXXX account and, consequently, my Chase bank account. Between XXXX XXXX  on XX/XX/XXXX and XXXX XXXX  on XX/XX/XXXX, these perpetrators made XXXX transactions totaling {$2500.00} from my account. \n\nImmediately upon discovering the theft, I notified both XXXX and my local Chase bank office, initiating the process to secure my accounts and gather evidence. The local Chase office has been instrumental in submitting several rounds of evidence confirming that my phone was stolen and the transactions were unauthorized. \n\nDespite these efforts, the situation took a frustrating turn during a conversation with a Chase representative named XXXX. He indicated, before any substantive discussion, that the management team had already decided my fraud claim would not proceed. He based this on an alleged XXXX XXXX  authentication from an XXXX XXXX, a device I have never owned, at a time after my phone was stolen. \n\nI've also reached out to XXXX to obtain a detailed log of login activity, which should further prove the unauthorized access. Yet, Chase has shown a lack of willingness to consider this new information. To my dismay, the Chase representative was dismissive, insinuating that I was attempting to commit fraud, and refused to recalibrate his thinking or acknowledge the clear evidence of theft and unauthorized use of my account. \n\nMoreover, Chase has not taken steps to investigate the recipient bank accounts involved in the unauthorized transactions, even though this information has been provided to them. This refusal to investigate not only the circumstances but also the destinations of the fraudulent transactions is bewildering. It suggests a disinterest in pursuing a thorough and fair investigation. \n\nThis experience has left me feeling betrayed and unfairly treated by a bank that I had trusted with my finances for nearly XXXX decades. The lack of due diligence and the premature conclusions drawn by the management team, as communicated by Chase, are unacceptable. It's clear to me that Chase 's handling of this situation falls far short of the standard of customer care and protection that any bank should uphold.","date_sent_to_company":"2023-11-03T23:49:51.000Z","issue":"Fraud or scam","sub_product":"Domestic (US) money transfer","zip_code":"60607","tags":null,"has_narrative":true,"complaint_id":"7797600","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2023-11-03T23:36:13.000Z","state":"IL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I have been a loyal Chase customer for <em>over</em> XXXX <em>years</em>, but recent events have severely shaken my <em>trust</em> in this institution. My ordeal began when my XXXX XXXX XXXX XXXX was stolen, resulting in unauthorized individuals accessing my XXXX account and, consequently, my Chase bank account. Between XXXX XXXX  on XX/XX/XXXX and XXXX XXXX  on XX/XX/XXXX, these perpetrators made XXXX transactions totaling {$2500.00} from my account."]},"sort":[11.602295,"7797600"]},{"_index":"complaint-public-v1","_id":"3533312","_score":11.568611,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Brought a NetSpend prepaid card today ( XX/XX/20 ). I couldn't get my card fully activated because I had other cards that were on file as open ( although I had only one card active -which I'm still waiting on in the mail- and the rest were closed out ). The issue is with the process to get the account fully activated. Now I've sent all the required documents but I've been rejected for no plausible reason. I refuse to send a ID with my picture showing because the responses I've gotten back leads me to believe that NetSpend is during fraudulent activities. First I had to send documents to a company named 'Skylight ' and when I got a response, the name at the end of the letter was named 'XXXX  '. The second attempt I sent it to bet XXXX ; when I got a response it was from someone named 'XXXX '. Not only was I rejected but the reasoning was invalid. I sent my ID, SSN, and Utility bill. 'XXXX  ' said that my SSN was partial, but I can disprove that by sending the email with the attachments. Also you can expand and zoom attachments. So it's apparent that XXXX is deliberately trying to make this process hard and since I've send my personal info multiple to same company. I feel this is being done to store my full identity into their archives. My face shouldnt have to be shown in this circumstance because Ive a client for over 3 years and Ive sent my info in the past 2 years ( which I can verify through email ). Further more why would I trust to send my info to people that DONT EVEN USE THEIR REAL NAME. they don't even put a last name at the end. Who works for a financial institution, send financial/business emails to clients, and goes just by their first name or nickname ( Does XXXX or XXXX seem like a name you would trust your personal info too? ) No last name to help a client pinpoint or trace that person if a situation goes bad and it's their fault. That's how people \" crack cards ''. They work for a prepaid company, steal your info and drain your account. I'm XXXX to be fired because she declined my access even though she has viewed all of my personal info. Also because of the delibernise I'm asking for a 200 % matching bonus of my deposit.","date_sent_to_company":"2020-02-16T08:45:58.000Z","issue":"Problem getting a card or closing an account","sub_product":"General-purpose prepaid card","zip_code":"365XX","tags":null,"has_narrative":true,"complaint_id":"3533312","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Netspend Corporation","date_received":"2020-02-16T02:52:20.000Z","state":"AL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Trouble getting, activating, or registering a card"},"highlight":{"complaint_what_happened":["My face shouldnt have to be <em>shown</em> in this circumstance because Ive a client for <em>over</em> 3 <em>years</em> and Ive sent my info in the past 2 <em>years</em> ( which I can verify through email ). Further more why would I <em>trust</em> to send my info to people that DONT EVEN USE THEIR REAL NAME. they don't even put a last name at the end."]},"sort":[11.568611,"3533312"]},{"_index":"complaint-public-v1","_id":"6756057","_score":11.362568,"_source":{"product":"Checking or savings account","complaint_what_happened":"I have many issues with US Bank. I have attempted to remedy this for over two years via both the branch and recently with the office of the President. \nI have audio of both the fraud department and the branch manager admitting that there were internal errors that caused significant damage to my monetary assets in three accounts. I also have statements that reflect the issues.\n\n# 1 lost/stolen cards being active for more than 2 years # 2 lost/stolen cards having activity and US failing to return my money. \n# 3 enormous amounts of over draft fees that do not reflect being over drawn in accordance with deposits & balance sheet # 4 US Bank failed to return overdrafts per their policies # 5 reported inaccurate information preventing me from going to another Bank and forcing me to continue with them. \n# 6 caused significant damage to my monetary assets *Example card XXXX was reported as hacked XX/XX/XXXX via branch location and a temporary replacement card received. That card was to be deactivated at the moment the bank was notified and temporary card activated. The card continued until XX/XX/XXXX. \n\nThis was the case with two other cards as well. It was obvious that the activity was being permitted both the fraud department and branch both on recorded audio stated the card ( s ) should have immediately been deactivated and no activity been permitted. \n\nI flew into the branch from Florida to Ohio to meet with the Branch manager. He contacted the claims division at which time they told him \" he had a duty to make right the wrongs and to return all money that had been removed from my accounts both with the cards and the overdrafts '' On the recording he stated the loss was too great for the branch and would have to be handled by the office of the president. \n\nThe office of the President contacted me and requested I highlight every transaction from each of the accounts and each of the lost/stolen cards as well as overdrafts that should've been returned. \nThey were aware of the audio recordings I played them for them over the phone. She requested I not make a complaint with either the comptroller of currency nor the consumer financial protection agency as it would prevent them from investigating. \nThey mailed me four years of bank statements but did not include where to send the statements back to nor send an instruction letter as XXXX had stated she would. \n\nI work XXXX jobs and it's been a very difficult task to go over thousands of transaction and highlight of even make logical sense of the over drafts. They are not showing what was over drawn just an amount for example as shown on the samples I've sent to you. It truly looks like they simply charged me {$95.00}, {$1800.00} in a single month another {$1300.00} the following and this practice goes back to the very beginning of the accounts and continued on over drafts but the balance sheet and the deposit sheet reflect otherwise. \n\nI signed up to have any transactions be denied if funds weren't available and linked by DBA account to my personal account to avoid overdrafts however I was told it was showing that it was set up that way but the internal bank error was creating an over ride. \n\nEveryone I speak to at US Bank does the same thing... Customer service sends me to fraud, fraud sends me to claims, claims sends me to complaint department, complaint department sends me to a supervisor and no one returns my calls. \n\nI'm very upset as would anyone who trusted their money to be safe in a large bank. I have had bank accounts with XXXX XXXX and XXXX XXXX XXXX and never had these errors. \n\nI requested all accounts to be frozen while they investigate yet they did not and continued to allow transactions once again putting my account into over draft.","date_sent_to_company":"2023-03-27T17:43:05.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"33710","tags":null,"has_narrative":true,"complaint_id":"6756057","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"U.S. BANCORP","date_received":"2023-03-27T15:41:22.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Banking errors"},"highlight":{"complaint_what_happened":["I work XXXX jobs and it's been a very difficult task to go <em>over</em> thousands of transaction and highlight of even make logical sense of the <em>over</em> drafts. They are not showing what was <em>over</em> drawn just an amount for example as <em>shown</em> on the samples I've sent to you."]},"sort":[11.362568,"6756057"]},{"_index":"complaint-public-v1","_id":"2465224","_score":11.286861,"_source":{"product":"Mortgage","complaint_what_happened":"XXXX  of  XXXX   XXXX  approved a modification plan over the phone after ten months of applying and reapplying telling me the paperwork had not all shown up by fax. Only giving me the option to send by fax. I paid  five  modification payments  XXXX   XXXX - XXXX   XXXX  then received a letter telling me my I was disqualified for false reasons. Here is an article telling my true story of the mod from  XXXX .  XXXX  :  XXXX  Here is an article I helped write about the mod scam.   XXXX   XXXX     XXXX  This lead to my pro se case due to I could not find an attorney that would help me. The pro se case lead to me losing in an  XXXX  and losing my ability to protect my home from criminals trying to steal my home.  XXXX  ignoring the letter of FDCPA and the federal judge ignoring the same letter and all my pleas of help. Blocking my due process. I continued to send more FDCPA letters, RESPA QWR 's Homeowners Rights letters. Cease and Desist letters, TILA notices that were ignored.  XXXX   XXXX  and SPS sent  XXXX  to file judicial foreclosure in a non judicial state to skirt around my letters. Now I am in the Supreme court of Washington asking for review by my petition through an attorney. Blocked from most of my case being claimed and only being allowed to state no standing due to no evidence at the start of the case. No authentic note undated one copy no endorsement a second copy undated with endorsement. This has caused us extreme cost and extreme stress that I am surprised has not killed me. The judges ignor hearsay evidence in the lower courts and accept false affidavits and false notes with false assignments taking away our due process to protect our home. The courts have become collection agencies for crooks with no proof of being the lender or having authority to collect the alleged debt after pulling a criminal act of modification fraud on us. We are in danger of losing our home of ov er thirty five ye ars to crooked criminals. By affidavits by crooked lying lawyers representing these crooks.     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  has no proof the loan was deposited into the trust in  XXXX . Has not filed a copy of the PSA and claims to have actually committed securities fraud by an assignment to a REMIC seven years after the closing of a trust never finished or deposited to. The fraud assignment is in  XXXX .    XXXX","date_sent_to_company":"2017-04-24T23:12:58.000Z","issue":"Struggling to pay mortgage","sub_product":"Other type of mortgage","zip_code":"98092","tags":"Older American","has_narrative":true,"complaint_id":"2465224","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SELECT PORTFOLIO SERVICING, INC.","date_received":"2017-04-24T22:00:10.000Z","state":"WA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  has no proof the loan was deposited into the <em>trust</em> in  XXXX . Has not filed a copy of the PSA and claims to have actually committed securities fraud by an assignment to a REMIC seven <em>years</em> after the closing of a <em>trust</em> never finished or deposited to. The fraud assignment is in  XXXX .    XXXX"]},"sort":[11.286861,"2465224"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":219,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":219}]}},"product":{"doc_count":219,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Mortgage","doc_count":50,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Conventional home mortgage","doc_count":20},{"key":"Other type of mortgage","doc_count":8},{"key":"FHA mortgage","doc_count":6},{"key":"Conventional adjustable mortgage (ARM)","doc_count":5},{"key":"Home equity loan or line of credit (HELOC)","doc_count":4},{"key":"Conventional fixed mortgage","doc_count":3},{"key":"VA mortgage","doc_count":3},{"key":"Other mortgage","doc_count":1}]}},{"key":"Checking or savings 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