Date received
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values | Sub-issue
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31.2k
⌀ | Company public response
stringclasses 10
values | Company
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values | ZIP code
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99.9k
⌀ | Tags
stringclasses 3
values | Consumer consent provided?
stringclasses 4
values | Submitted via
stringclasses 5
values | Date sent to company
stringclasses 364
values | Company response to consumer
stringclasses 5
values | Timely response?
stringclasses 2
values | Consumer disputed?
float64 | Complaint ID
int64 5.3M
6.67M
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|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
02/15/23 | Mortgage | FHA mortgage | Closing on a mortgage | null | null | null | CountryPlace Acceptance Corporation | TX | 78,602 | null | null | Web | 02/15/23 | Closed with explanation | Yes | null | 6,576,484 |
02/15/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | null | BANK OF AMERICA, NATIONAL ASSOCIATION | IL | 60,628 | null | null | Phone | 02/15/23 | In progress | Yes | null | 6,576,504 |
02/17/23 | Mortgage | FHA mortgage | Struggling to pay mortgage | null | null | null | NEW YORK COMMUNITY BANCORP INC | MI | 48,186 | null | null | Web | 02/17/23 | In progress | Yes | null | 6,585,388 |
01/22/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | null | WSFS FINANCIAL CORPORATION | NY | 11,379 | Older American | null | Web | 02/22/23 | Closed with explanation | Yes | null | 6,469,352 |
03/04/23 | Mortgage | VA mortgage | Trouble during payment process | null | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | M&T BANK CORPORATION | NY | 11,787 | Servicemember | null | Web | 03/04/23 | Closed with explanation | Yes | null | 6,647,825 |
02/14/23 | Mortgage | Conventional home mortgage | Closing on a mortgage | null | null | null | WELLS FARGO & COMPANY | NY | 10,025 | null | null | Web | 02/14/23 | In progress | Yes | null | 6,570,511 |
02/10/23 | Mortgage | FHA mortgage | Trouble during payment process | null | null | null | CARRINGTON MORTGAGE SERVICES, LLC | CA | 91,950 | Older American, Servicemember | null | Web | 02/10/23 | In progress | Yes | null | 6,556,060 |
01/22/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | null | Fay Servicing, LLC | OH | 44,143 | null | null | Web | 02/14/23 | Closed with explanation | Yes | null | 6,467,434 |
02/10/23 | Mortgage | Home equity loan or line of credit (HELOC) | Trouble during payment process | null | null | null | Caliber Home Loans, Inc. | CA | 90,043 | null | null | Web | 02/10/23 | Closed with explanation | Yes | null | 6,554,928 |
03/07/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Freedom Mortgage Company | NV | 89,436 | null | null | Web | 03/07/23 | Closed with explanation | Yes | null | 6,661,271 |
01/26/23 | Mortgage | Other type of mortgage | Applying for a mortgage or refinancing an existing mortgage | null | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | IL | 60,045 | Older American | null | Web | 02/24/23 | Closed with explanation | Yes | null | 6,492,807 |
02/14/23 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | null | Company believes it acted appropriately as authorized by contract or law | SELECT PORTFOLIO SERVICING, INC. | CA | 90,746 | null | Consent not provided | Web | 02/14/23 | Closed with explanation | Yes | null | 6,569,139 |
02/06/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | null | WELLS FARGO & COMPANY | IL | 60,015 | null | null | Web | 02/06/23 | In progress | Yes | null | 6,536,174 |
02/03/23 | Mortgage | FHA mortgage | Struggling to pay mortgage | null | null | null | PNC Bank N.A. | NJ | 8,857 | null | null | Web | 02/03/23 | In progress | Yes | null | 6,528,678 |
01/25/23 | Mortgage | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | null | null | null | BANK OF AMERICA, NATIONAL ASSOCIATION | NC | 28,731 | Older American | null | Web | 02/16/23 | In progress | Yes | null | 6,486,775 |
02/17/23 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | null | null | JPMORGAN CHASE & CO. | GA | 30,036 | null | null | Web | 02/17/23 | Closed with explanation | Yes | null | 6,578,642 |
02/21/23 | Mortgage | FHA mortgage | Trouble during payment process | null | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Freedom Mortgage Company | FL | 32,065 | null | Consent not provided | Web | 02/21/23 | Closed with explanation | Yes | null | 6,597,332 |
02/06/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | Company believes complaint represents an opportunity for improvement to better serve consumers | Shellpoint Partners, LLC | KS | 66,061 | Older American | Consent not provided | Web | 02/06/23 | Closed with explanation | Yes | null | 6,537,296 |
02/10/23 | Mortgage | Reverse mortgage | Closing on a mortgage | null | null | null | Peer Advisors, LLC | PA | 19,131 | null | null | Web | 02/28/23 | Closed with explanation | Yes | null | 6,551,400 |
02/12/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | null | Synovus Bank | FL | 33,073 | null | null | Web | 02/12/23 | In progress | Yes | null | 6,563,314 |
02/13/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | null | PNC Bank N.A. | MD | 20,906 | null | null | Web | 02/13/23 | In progress | Yes | null | 6,567,058 |
02/11/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | null | WELLS FARGO & COMPANY | PA | 19,401 | null | null | Web | 02/12/23 | In progress | Yes | null | 6,559,729 |
12/20/22 | Mortgage | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | null | I spoke with my loan consultant at Better ( XXXX ) via phone to discuss my loan. We discussed the appraisal process and that the appraisal would be ordered and scheduled when I arranged that time with Better. I confirmed that the appraisal would NOT be completed prior to my scheduling the same as I was waiting on the inspection report and was also in the process of shopping for rates from other lender. I was assured that was not the case and XXXX encouraged me to continue shopping for lenders as Better would match any offers by other lenders.
I received an email on XX/XX/XXXX that my appraisal was ordered. I confirmed that I did NOT want the appraisal completed and was assured it would not be completed until I scheduled the same. I received an email on XX/XX/XXXX that the appraisal was scheduled and on XX/XX/XXXX received an email that the appraisal was completed and would be sent to me. The appraisal was ordered without my permission when I EXPRESSLY prohibited the same until my consent was given.
As a result of the appraisal being ordered without my permission and having received little to no communication regarding my loan from XXXX after multiple attempts for assistance through the application process, I decided to proceed with another lender.
On XX/XX/2022, I sent an email to my loan consultant XXXX and a team leader XXXX requesting my appraisal to be transferred to another lender for closing. I did not receive a response to said emails. I received a call from another loan consultant who attempted to salvage the mortgage. After several conversations wherein we reached an impasse I confirmed via phone that the appraisal needed to be transferred and was assured the process would be completed as soon as possible.
My new lender and I have sent multiple emails to Better attempting to request the appraisal be transferred. I close on XX/XX/22 and it is now XX/XX/22 with no completion of the process. I have been told Better is waiting on a " paid invoice '' before they will release the appraisal. There has been no contact with me directly outside of my numerous calls into Better wherein I am constantly told everyone is on a call or a meeting and I'll be responded to, but I do not receive a response. I was charged {$550.00} for the appraisal on XX/XX/XXXX. The amount has cleared and was given to Better for an appraisal that was not permitted to be ordered. | null | Better Mortgage, Inc. | GA | 30,144 | null | Consent provided | Web | 12/20/22 | Closed with explanation | Yes | null | 6,342,939 |
02/15/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | null | Ocwen Financial Corporation | MD | 21,703 | null | null | Web | 02/15/23 | Closed with explanation | Yes | null | 6,574,923 |
01/26/23 | Mortgage | FHA mortgage | Trouble during payment process | null | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Freedom Mortgage Company | NJ | 8,010 | Servicemember | null | Web | 02/24/23 | Closed with explanation | Yes | null | 6,493,745 |
01/22/23 | Mortgage | FHA mortgage | Struggling to pay mortgage | null | I previously went through a divorce and through the process my x wife wasnt making payments and the mortgage got behind. I filed for a loan modification with me and my mom as a co borrower. I have never had a loan modification before. Wells Fargo kept requesting the same documents for over one year, only to reject my loan modification for reason that was false. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | FL | 33,311 | null | Consent provided | Web | 01/22/23 | Closed with explanation | Yes | null | 6,469,554 |
02/14/23 | Mortgage | Other type of mortgage | Struggling to pay mortgage | null | null | null | Selene Holdings LLC | GA | 30,324 | Older American | null | Web | 02/14/23 | Closed with explanation | Yes | null | 6,572,401 |
02/24/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | null | PENNYMAC LOAN SERVICES, LLC. | MD | 21,701 | null | null | Web | 02/24/23 | Closed with explanation | Yes | null | 6,612,245 |
02/22/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | null | NEW YORK COMMUNITY BANCORP INC | TX | 78,028 | null | null | Referral | 02/22/23 | In progress | Yes | null | 6,602,539 |
02/24/23 | Mortgage | Other type of mortgage | Trouble during payment process | null | null | Company believes it acted appropriately as authorized by contract or law | Shellpoint Partners, LLC | CA | 94,526 | Older American | null | Web | 02/24/23 | Closed with explanation | Yes | null | 6,606,448 |
02/02/23 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | null | Company believes it acted appropriately as authorized by contract or law | SELECT PORTFOLIO SERVICING, INC. | IN | 46,205 | null | Other | Web | 02/02/23 | Closed with explanation | Yes | null | 6,530,797 |
02/28/23 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | null | null | AmWest Funding Corp. | CA | 92,883 | null | null | Web | 02/28/23 | In progress | Yes | null | 6,628,043 |
02/19/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Freedom Mortgage Company | VA | 22,030 | Servicemember | Consent not provided | Web | 02/19/23 | Closed with explanation | Yes | null | 6,591,617 |
02/16/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | null | WELLS FARGO & COMPANY | WA | 98,383 | Older American, Servicemember | null | Web | 02/16/23 | In progress | Yes | null | 6,579,943 |
02/28/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | null | PRIMARY RESIDENTIAL MORTGAGE | FL | 33,062 | null | null | Web | 02/28/23 | In progress | Yes | null | 6,622,197 |
01/30/23 | Mortgage | FHA mortgage | Applying for a mortgage or refinancing an existing mortgage | null | null | Company disputes the facts presented in the complaint | Guild Mortgage Company LLC | PA | 19,115 | null | Consent not provided | Web | 02/21/23 | Closed with explanation | Yes | null | 6,507,786 |
02/16/23 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | null | null | CrossCountry Mortgage LLC | NY | 11,937 | null | null | Web | 02/16/23 | In progress | Yes | null | 6,579,982 |
02/12/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | null | Specialized Loan Servicing Holdings LLC | VA | 23,455 | null | null | Web | 02/12/23 | In progress | Yes | null | 6,563,452 |
02/15/23 | Mortgage | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | null | null | Company believes it acted appropriately as authorized by contract or law | Shellpoint Partners, LLC | FL | 34,610 | Older American | null | Postal mail | 02/15/23 | Closed with explanation | Yes | null | 6,575,374 |
02/09/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | null | NATIONSTAR MORTGAGE LLC | MO | 64,050 | null | null | Web | 02/09/23 | Closed with explanation | Yes | null | 6,552,199 |
02/18/23 | Mortgage | Other type of mortgage | Applying for a mortgage or refinancing an existing mortgage | null | null | null | NEXA Mortgage, LLC | MI | 49,418 | null | null | Web | 02/18/23 | Untimely response | No | null | 6,588,177 |
02/21/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | null | NATIONSTAR MORTGAGE LLC | MN | 55,113 | null | null | Web | 02/21/23 | In progress | Yes | null | 6,594,031 |
12/20/22 | Mortgage | Conventional home mortgage | Trouble during payment process | null | I have home mortgage through Southstate Bank in XX/XX/XXXX. My initial mortgage amount XXXX. The XXXX year my mortgage increased to XXXX. The third year I'm receiving mortgage bills for XXXX. I called initially on XX/XX/XXXX to question. I was told it was the property tax. Contacted the XXXX XXXX assessor dept to inquire. They did not have me as this being my primary residence. Submitted the forms to correct. I was told the difference is between XXXX XXXX XXXX XXXX XXXX. Called Southstate Bank on XX/XX/XXXX for explanation on how a XXXX XXXX difference on a home purchased for XXXX can result in a XXXX dollar increase on my monthly mortgage and this is creating a financial hardship on maintaining my mortgage. The answer I received is they underpaid the initial tax and is adding the tax for XXXX years into my mortgage payment. Explained that XXXX is beyond my monthly budget. Was told they would contact the tax assessor for a correction, but I'm still liable for the increased payment. Asked if the tax amount was incorrect on my initial mortgage and was based on income. How can I be expected to pay more than double. Says they will research. I've paid the increased mortgage for the past XXXX months and can not maintain that amount. | null | SOUTHSTATE CORPORATION | SC | 29,016 | null | Consent provided | Web | 12/20/22 | Closed with non-monetary relief | Yes | null | 6,342,240 |
02/14/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | null | PARAMOUNT RESIDENTIAL MORTGAGE GROUP | FL | 33,615 | null | null | Web | 02/14/23 | In progress | Yes | null | 6,564,840 |
01/31/23 | Mortgage | FHA mortgage | Struggling to pay mortgage | null | null | null | Guild Mortgage Company LLC | CA | 92,081 | null | null | Web | 01/31/23 | Closed with explanation | Yes | null | 6,510,427 |
02/13/23 | Mortgage | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | null | I am XXXX XXXX years old with both physical and mental XXXX. I have lived at my address for XXXX XXXX years and my mortgage is with Wells Fargo Bank. With only one year left on my mortgage loan, I decided to apply for a home improvement loan. On XX/XX/2022 I applied for this loan and was referred to mortgage consultant XXXX XXXX.
I informed XXXX XXXX that I wanted to apply for a mortgage loan for home improvement. I informed him that I wanted to borrow XXXX XXXX dollars. He stated after looking at your file I recommend that you borrow far more than XXXX XXXX dollars. He stated that XXXX XXXX XXXX would be better since your home is almost paid for. I immediately informed him that my XXXX XXXX dollar loan request was directly based on my ability to repay the loan because I am a senior on a fixed income. He then began pressuring me to borrow more than I knew that I could afford to pay back. He went down from XXXX XXXX XXXX to XXXX XXXX XXXX dollars which I also refused along with the XXXX XXXX dollar amount that he also tried to push on me later in the conversation.
At that point I reminded him that I am a senior citizen with a physical and mental handicap. I told him that I feel extremely pressured, anxious and overwhelmed by his tactic. I then told him that I would go up to XXXX XXXX dollars if he would stop harassing me. XXXX XXXX reluctantly said that he would process my loan at XXXX XXXX. He then stated that I would have to go through an application process to get the loan.
During the application process XXXX XXXX asked me how much my house was worth. I stated about XXXX XXXX and XXXX XXXX dollars. He asked if that was the last appraisal and I informed him that the last appraisal for my property was about XXXX years ago. I informed him that they offered me one point XXXX XXXX because they wanted to put a XXXX store on my property. I clearly explained that that amount was not an appraisal for my house but for my property because I live on almost six acres. I also clearly explained again that the offer was about XXXX years ago and not related to this loan. After going through the application process with XXXX XXXX I felt horrible because his tactics were unbearable for me.
Consequently, I decided to file a complaint for harassment of an elderly XXXX person, discrimination and unwarranted predatory lending tactics against XXXX XXXX. I received an acknowledgment of my complaint letter on XX/XX/2022. My complaint was sent to Case XXXX XXXX XXXX for review. I requested any and all documents, applications and phone recording be reviewed before she come to a conclusion. I then restated my property value at XXXX XXXX XXXX XXXX because at that point I didnt trust XXXX XXXX XXXX On XX/XX/2022 I received a response from Case XXXX XXXX XXXX.
Case XXXX XXXX XXXX stated that she completed her investigation on my complaint of paying an upfront loan application fee. She also put in writing that We confirmed with your mortgage consultant that the higher loan amount was recommended in an effort to ensure you did not have to pay any closing cost out of pocket. I immediately called and informed her that my complaint was about harassment of an elderly disabled person, discrimination and unwarranted predatory lending tactics. I also informed her that I never discussed out of pocket closing cost with XXXX XXXX. She informed me that as per the banks policies, another consultant would have to investigate my complaint now because she miss understood my original complaint.
On XX/XX/2022 I received another Acknowledgment of complaint for account number XXXX. At that point I was not told who would be handling my complaint since Case XXXX XXXX XXXX failed to address any of my complaints. On XX/XX/2022 I received a letter form Case XXXX XXXX XXXX asking for more time to complete his investigation. This was the first time I had heard from him regarding my complaint so I was a little confused. He asked that I wait until XX/XX/2022 for his response. In The mean time, I filed another complaint because XXXX XXXX was allowed to continue harassing my by phone about completing the loan application after I filed several complaints against him. At this late date I was informed Case XXXX XXXX XXXX and XXXX of her assistants that my loan application XXXX be problematic because my house is appraised at XXXX point XXXX XXXX. I then informed her and her assistant that I thoroughly explained to XXXX XXXX that my house is appraised for XXXX XXXX and XXXX XXXX dollars but about XXXX years ago I had an offer for XXXX point XXXX XXXX when they were considering putting a XXXX XXXX here. Subsequently I filed another complaint for retaliation because XXXX XXXX put XXXX point XXXX XXXX on my application as my home appraisal in retaliation for filing a complaint against him.
Of course I didnt get the loan and on XX/XX/2022 I received a final resolution letter basically stating that there was nothing wrong with the loan process or the way I was treated during this ordeal. They also said that it is against their policies to give me any and all documents, correspondence between staff and phone recordings that I requested.
They did however state In your inquiry you wanted copies of all documents and call recordings including policies and procedures related to the case per the XXXX of XXXX XXXX ( FOIA ). You also requested policies on XXXX.
We recognize that you requested a copy of the recordings ; we determined this is unduly burdensome to provide in the requested format. For that reason we are unable to provide the recorded calls you requested. We were able to review the calls and provide you with a summary of the conversations. I read their summary of the calls and did not recognize most of the conversations they claim were recorded. The conversations that I did recognize were grossly manipulated and changed to fit their conclusion that they loan process was appropriate in every way. It stated that XXXX XXXX was also appropriate and proceeded as per their policies with no predatory lending tactics noticed. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | GA | 30,038 | Older American | Consent provided | Web | 02/13/23 | Closed with explanation | Yes | null | 6,565,332 |
01/25/23 | Mortgage | FHA mortgage | Struggling to pay mortgage | null | null | null | CARRINGTON MORTGAGE SERVICES, LLC | FL | 33,981 | Older American | null | Web | 02/15/23 | In progress | Yes | null | 6,487,409 |
02/28/23 | Mortgage | Other type of mortgage | Struggling to pay mortgage | null | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Freedom Mortgage Company | MA | 1,468 | null | null | Web | 02/28/23 | Closed with explanation | Yes | null | 6,629,200 |
01/19/23 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Specialized Loan Servicing Holdings LLC | FL | 34,654 | null | Other | Web | 02/16/23 | Closed with explanation | Yes | null | 6,458,576 |
02/20/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | null | PLANET HOME LENDING, LLC | NC | 27,615 | null | null | Web | 02/20/23 | Closed with explanation | Yes | null | 6,595,749 |
02/03/23 | Mortgage | Home equity loan or line of credit (HELOC) | Applying for a mortgage or refinancing an existing mortgage | null | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BANK OF AMERICA, NATIONAL ASSOCIATION | FL | 33,068 | Older American | null | Postal mail | 02/03/23 | Closed with explanation | Yes | null | 6,528,930 |
02/28/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Freedom Mortgage Company | MD | 21,131 | null | null | Phone | 02/28/23 | Closed with explanation | Yes | null | 6,631,166 |
02/24/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | null | WELLS FARGO & COMPANY | CA | 90,247 | null | null | Web | 02/24/23 | In progress | Yes | null | 6,611,576 |
02/09/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | null | Fay Servicing, LLC | NY | 11,354 | null | null | Web | 02/09/23 | Closed with explanation | Yes | null | 6,553,530 |
02/21/23 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | null | null | WELLS FARGO & COMPANY | CA | 92,308 | null | null | Postal mail | 02/21/23 | In progress | Yes | null | 6,597,482 |
02/19/23 | Mortgage | FHA mortgage | Struggling to pay mortgage | null | null | null | CITIZENS FINANCIAL GROUP, INC. | NE | 68,505 | null | null | Web | 02/19/23 | In progress | Yes | null | 6,591,229 |
02/23/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | null | TRUIST FINANCIAL CORPORATION | NJ | 7,059 | null | null | Referral | 02/24/23 | In progress | Yes | null | 6,611,694 |
02/22/23 | Mortgage | VA mortgage | Struggling to pay mortgage | null | null | null | Freedom Mortgage Company | NY | 11,778 | Servicemember | Other | Web | 02/22/23 | In progress | Yes | null | 6,604,542 |
02/10/23 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | null | null | Ocwen Financial Corporation | TX | 76,103 | null | null | Referral | 02/24/23 | Closed with explanation | Yes | null | 6,606,672 |
02/15/23 | Mortgage | Home equity loan or line of credit (HELOC) | Trouble during payment process | null | On XX/XX/XXXX we took out an Equity Line of Credit for Business with BOA using our home as collateral ( namely a second mortgage ). On XX/XX/XXXX I paid the final amount due of {$6.00}. I never received a release of XXXX letter. I contacted Bank of America and spoke with XXXX at XXXX on XX/XX/XXXX. She opened case ID # XXXX to find out why the lien was not released. XXXX XX/XX/XXXX I received an email from BOA stating they could not help me, that the loan had been sold to Loan IQ at XXXX XXXX XXXX, XXXX, FL XXXX. There is no phone number or contact person. BOA refuses to assist me in finding out where the loan they sold ended up. They NEVER informed me that they were selling the loan as the law requires. They refuse to assist me in getting the lien release that should have happened in XX/XX/XXXX. All my payments were mailed to BOA, XXXX XXXX XXXX, XXXX, TX XXXX, but there is no phone number or contact person. I need the XXXX released. The loan has been satisfied. Bank of America is refusing to help. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BANK OF AMERICA, NATIONAL ASSOCIATION | VA | 22,959 | Older American | Consent provided | Web | 02/15/23 | Closed with non-monetary relief | Yes | null | 6,575,631 |
02/24/23 | Mortgage | FHA mortgage | Trouble during payment process | null | null | null | WELLS FARGO & COMPANY | CA | 93,722 | Servicemember | null | Web | 02/24/23 | In progress | Yes | null | 6,606,674 |
02/14/23 | Mortgage | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | null | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | U.S. BANCORP | MO | 63,017 | Older American | null | Phone | 02/14/23 | Closed with explanation | Yes | null | 6,569,476 |
02/23/23 | Mortgage | Home equity loan or line of credit (HELOC) | Trouble during payment process | null | null | null | KEYCORP | NY | 13,901 | null | null | Web | 02/24/23 | In progress | Yes | null | 6,606,821 |
02/14/23 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | null | null | WELLS FARGO & COMPANY | MI | 48,393 | null | null | Web | 02/14/23 | In progress | Yes | null | 6,572,616 |
02/26/23 | Mortgage | Other type of mortgage | Struggling to pay mortgage | null | null | null | BANK OF AMERICA, NATIONAL ASSOCIATION | CA | 94,582 | null | null | Web | 02/26/23 | In progress | Yes | null | 6,619,857 |
02/21/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | Company disputes the facts presented in the complaint | CALCON MUTUAL MORTGAGE LLC DBA ONETRUST HOME LOANS | NC | 28,105 | null | Consent not provided | Web | 02/21/23 | Closed with explanation | No | null | 6,598,069 |
02/03/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | MN | 55,444 | null | null | Web | 02/24/23 | Closed with explanation | Yes | null | 6,534,110 |
02/23/23 | Mortgage | FHA mortgage | Trouble during payment process | null | null | null | CrossCountry Mortgage LLC | WI | 54,728 | null | null | Web | 02/23/23 | Closed with explanation | Yes | null | 6,608,183 |
02/24/23 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | null | null | Ocwen Financial Corporation | null | null | Older American | null | Web | 02/24/23 | In progress | Yes | null | 6,611,727 |
02/24/23 | Mortgage | Conventional home mortgage | Closing on a mortgage | null | null | null | Rocket Mortgage, LLC | AL | 36,804 | null | null | Web | 02/24/23 | Closed with monetary relief | Yes | null | 6,613,487 |
02/15/23 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | FL | 34,698 | null | null | Postal mail | 02/15/23 | Closed with explanation | Yes | null | 6,575,803 |
02/23/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | null | Dovenmuehle Mortgage, Inc. | CA | 92,069 | null | null | Web | 02/23/23 | Closed with explanation | Yes | null | 6,606,907 |
02/26/23 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | null | null | Fay Servicing, LLC | UNITED STATES MINOR OUTLYING ISLANDS | 27,587 | null | null | Web | 02/26/23 | Closed with explanation | Yes | null | 6,620,052 |
02/28/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | null | BSI Financial Holdings, Inc. | OR | 97,140 | null | null | Web | 02/28/23 | Closed with explanation | Yes | null | 6,630,774 |
02/15/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | Company believes it acted appropriately as authorized by contract or law | Shellpoint Partners, LLC | OR | 97,741 | Older American | Other | Web | 02/15/23 | Closed with explanation | Yes | null | 6,572,356 |
02/22/23 | Mortgage | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | null | null | null | Geneva Financial, LLC, Chandler, AZ Branch | CA | 90,275 | null | null | Web | 02/22/23 | Closed with explanation | Yes | null | 6,605,547 |
02/11/23 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | null | null | AmeriHome Mortgage Company, LLC | FL | 32,179 | null | null | Web | 02/11/23 | In progress | Yes | null | 6,561,448 |
02/27/23 | Mortgage | FHA mortgage | Struggling to pay mortgage | null | null | Company believes the complaint provided an opportunity to answer consumer's questions | AMERISAVE MORTGAGE CORPORATION | TX | 76,065 | null | null | Web | 02/27/23 | Closed with explanation | Yes | null | 6,623,584 |
02/27/23 | Mortgage | Other type of mortgage | Struggling to pay mortgage | null | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Freedom Mortgage Company | PA | 18,073 | null | null | Web | 02/27/23 | Closed with explanation | Yes | null | 6,624,222 |
03/03/23 | Mortgage | Conventional home mortgage | Incorrect information on your report | null | null | null | GATEWAY FIRST BANK | PA | 18,912 | null | null | Web | 03/03/23 | In progress | Yes | null | 6,642,472 |
02/13/23 | Mortgage | Conventional home mortgage | Closing on a mortgage | null | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | PA | 17,313 | Older American | Consent not provided | Web | 02/13/23 | Closed with explanation | Yes | null | 6,567,635 |
02/28/23 | Mortgage | FHA mortgage | Struggling to pay mortgage | null | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Freedom Mortgage Company | VT | 5,764 | null | null | Web | 02/28/23 | Closed with explanation | Yes | null | 6,629,198 |
02/08/23 | Mortgage | FHA mortgage | Struggling to pay mortgage | null | null | null | WELLS FARGO & COMPANY | CA | 93,402 | null | null | Web | 02/08/23 | In progress | Yes | null | 6,547,666 |
02/23/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Freedom Mortgage Company | IL | 60,462 | null | null | Web | 02/23/23 | Closed with explanation | Yes | null | 6,608,920 |
02/15/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | null | PENNYMAC LOAN SERVICES, LLC. | TX | 77,494 | null | null | Web | 02/15/23 | Closed with non-monetary relief | Yes | null | 6,577,348 |
02/08/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | null | United Shore Financial Services, LLC | NV | 89,131 | null | null | Web | 02/08/23 | Closed with explanation | Yes | null | 6,546,693 |
02/24/23 | Mortgage | Home equity loan or line of credit (HELOC) | Struggling to pay mortgage | null | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | NJ | 8,201 | null | Consent not provided | Web | 02/24/23 | Closed with explanation | Yes | null | 6,611,877 |
02/15/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | null | AMERINATIONAL COMMUNITY SERVICES, INC. | MD | 20,895 | null | null | Web | 02/15/23 | Closed with explanation | Yes | null | 6,572,318 |
02/24/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | null | TRUHOME SOLUTIONS, LLC | FL | 32,922 | Servicemember | null | Web | 02/25/23 | In progress | Yes | null | 6,611,461 |
01/20/23 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | I attempted a mortgage modification but that increased my monthly payment. As a result we lost our home in XXXX. I am XXXX years old and that loan was predatory. | Company believes it acted appropriately as authorized by contract or law | SELECT PORTFOLIO SERVICING, INC. | MD | 21,217 | Older American | Consent provided | Web | 02/16/23 | Closed with explanation | Yes | null | 6,461,678 |
02/23/23 | Mortgage | FHA mortgage | Trouble during payment process | null | null | null | ASSURANCE FINANCIAL GROUP, LLC | LA | 70,363 | null | null | Web | 02/23/23 | In progress | Yes | null | 6,608,395 |
02/21/23 | Mortgage | FHA mortgage | Incorrect information on your report | null | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | U.S. BANCORP | CT | 6,516 | null | null | Phone | 02/21/23 | Closed with explanation | Yes | null | 6,598,923 |
02/23/23 | Mortgage | FHA mortgage | Struggling to pay mortgage | null | null | null | AmeriHome Mortgage Company, LLC | TX | 75,409 | null | null | Web | 02/23/23 | In progress | Yes | null | 6,608,200 |
02/10/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BANK OF AMERICA, NATIONAL ASSOCIATION | WI | 53,546 | null | Consent not provided | Web | 02/10/23 | Closed with non-monetary relief | Yes | null | 6,550,765 |
02/23/23 | Mortgage | FHA mortgage | Struggling to pay mortgage | null | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | TN | 37,128 | Older American | null | Phone | 02/23/23 | Closed with explanation | Yes | null | 6,607,388 |
02/17/23 | Mortgage | Conventional home mortgage | Closing on a mortgage | null | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | NV | 89,138 | null | null | Web | 02/17/23 | Closed with explanation | Yes | null | 6,584,962 |
01/30/23 | Mortgage | Conventional home mortgage | Incorrect information on your report | null | null | null | WELLS FARGO & COMPANY | FL | 33,815 | null | null | Phone | 02/24/23 | In progress | Yes | null | 6,506,141 |
02/09/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | I have my mortgage through U.S. Bank. I am a victim of Hurricane Ida. U.S. Bank is refusing to release the money from my insurance company that I need in order to make repairs on my home. To date, they have only released approximately {$40000.00} and are refusing to release the remaining {$28000.00} - I have over {$300000.00} in damages. They have intentionally misdated letters I sent to them to avoid violating their own deadlines. I have sent them numerous invoices and proof of payments they requested ; each time they mark them as inactive to pretend they haven't received them. Each and every time I call, they allege that they have received no documentation that this is a partial settlement ; my attorney has sent them the same paperwork requested on three separate occasions now. On XX/XX/XXXX, I was finally introduced to their portal, and was told to upload all of my documentation along with a letter requesting the release of remaining funds. I immediately did as instructed ; they marked the letter as inactive. I resent the request on XX/XX/XXXX ; they moved the received date to XX/XX/XXXX, acknowledged it was a letter requesting the release of funds, then moved it to inactive. I resubmitted the same letter again on XX/XX/XXXX ; again it was moved to the following day. When I called, I was told that they have two business days to make a decision. I called and they told me they hadn't received the results of the VIRTUAL INSPECTION they performed on my roof- the one where I walked around on the ground around the perimeter of my home while they snapped pictures- so they couldn't release the funds. I called the next day and was told they would escalate it to a Supervisor. I called again on XX/XX/XXXX and requested to speak to a Supervisor ; they put me on hold for over an hour and refused to allow me to speak with someone. Every time I call, they make up some new excuse as to why they continue to hold onto my money that they're accruing interest on. Their failure to release the remainder of funds is causing additional damage to my home. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | U.S. BANCORP | LA | 70,002 | null | Consent provided | Web | 02/09/23 | Closed with non-monetary relief | Yes | null | 6,551,865 |
02/20/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Freedom Mortgage Company | IL | 60,004 | null | null | Web | 02/20/23 | Closed with explanation | Yes | null | 6,595,270 |
03/08/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Freedom Mortgage Company | NC | 27,518 | Older American | null | Web | 03/08/23 | Closed with explanation | Yes | null | 6,659,136 |