Date Received: 2021-10-14
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95608
Submitted Via: Web
Date Sent: 2021-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-13
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: My name is XXXX XXXX I am divorced, XXXX and now XXXX years old. I raised my XXXX kids on my own after divorcing my alcoholic abusive xhusband and have lived in this home since XX/XX/XXXX. I became XXXX after several surgeries XXXX XXXX XXXX and XXXX XXXX, left with XXXX XXXX XXXX and XXXX. At the time I refinanced my loan during my divorce I was with XXXX, then the loan was sold to Specialized Loan Servicing Loan No. XXXX which is the company I am filing this complaint against. When I was rendered XXXX I modified my loan in XXXX successfully. At the end of the modification plan I was put on XXXX XXXX, which is back paid so I didn't get paid one month and my payments were late every month but " not '' delinquent 30 days. So, I have XXXX in unpaid late fees. I was getting LTD Long Term Disability through XX/XX/XXXX. But that ended. It was XXXX a month. So since then it has been devastating on only my XXXX a month. I have prescriptions, doctor visits, and lab tests which all cost some money besides utilities, food and a car payment and insurance. In XXXX I filed an application for assistance with my Mortgage Co., that was denied but they would give me a short sale .... since there is equity in my home I knew a short sale was wrong. At this point the sent out a breach letter. I have made two payments since then. I called spoke with several counselors basically all they could do was give me a payment plan for XXXX a month for 10 months, I knew I couldn't do that but I called again and spoke with someone who said I could appeal their decision which I did in XXXX. Shortly their after I received a letter stating they were reviewing the application and my Relationship manager is XXXX teller number XXXX phone XXXX. A day later I was sent a denial letter again, they didn't have time to look or review any of the information I sent. I called and spoke with 2 counselors since and they, their investor will not allow any additional modifications, I said I have only had one. Then I asked if they could just give me time to close my new mortgage as I am in process to obtain a reverse mortgage with XXXX ( XXXX XXXX XXXX XXXX ) which at this point should close by mid XXXX. They said no there is equity just sell it, I asked if they would give me time for that they said no. I can't " just '' sell it anything I would buy would cost me more than I could qualify for, in fact I couldn't even rent an apartment for the cost of my mortgage. I have had to advance for cost of appraisal on the new loan with XXXX and Spoken with a federal counselor for the XXXX mortgage who has also tried to assist me. But I am unable to come up with the 3 past due payments for XXXX, XXXX and now XXXX. I am only asking for time it doesn't cost them a dime they will get all their money but it seems they want my hard earned equity as well. I am filing this complaint in hopes that you can see your way to assist in any way you can before they file foreclosure. They are using the breach letter from XXXX to begin foreclosure soon, it may already be in process. I am doing all I am able I have had this home and paid on it for over 25 years PLEASE HELP!!! XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, UT XXXX XXXX. I tried to send 6 pics of documents which for some reason I could not attach. The are costs on the status of my loan with Specialized and the doc from XXXX and my 1099 income sheet. Please call me I can send them via text if necessary. Again thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84020
Submitted Via: Web
Date Sent: 2021-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-13
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Deferred payments on the mortgage of my residence during COVID. Forbearance is over, and my lender will not accept modification of the missing payments to end of loan. They want lump sum payment or will foreclose. I am currently still unemployed due to COVID. This is not fair and not what was inteneded when goverment required COVID deferrals from lenders. Lender is Specialized Loan Servicing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 020XX
Submitted Via: Web
Date Sent: 2021-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-10
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: IN 2006 SPECIALIZED LOAN SERVICING LLC WAS COLLECTING MORTGAGE PAYMENTS FOR XXXX XXXX XXXX ON MY SECOND LIEN. XXXX XXXX XXXX MODIFIED MY MORTGAGE AND TOLD ME THAT THE FIRST LIEN AND SECOND LIEN HAD BEEN COMBINED AND THAT I ONLY HAD TO MAKE ONE MONTHLY MORTGAGE PAYMENT. I CONTINUED MAKING MORTGAGE PAYMENTS TO XXXX XXXX XXXX AND NOW TO THE SERVICER OF XXXX XXXX XXXX SELECT PORTFOLIO SERVICING. ON XXXX I DISCOVER THAT MY HOME HAD BEEN PLACED IN FORECLOSURE WITH A SALE DATE OF XXXX FOR COLLECTION AMOUNT OF {$29000.00} THE SECOND LIEN I OBTAINED WHEN I PURCHASED MY HOME IN 2006. AS REQUIRED UNDER TEXAS LAW PROPERTY CODE SECTION 51.002 ( D ) I NEVER RECEIVED A CERTIFIED NOTICE OF DEFAULT OR A NOTICE OF SALE FROM SPECIALIZED LOAN SERVICING OR THEIR TRUSTEE ATTORNEYS XXXX XXXX XXXX XXXX XXXX. I WAS FORCED TO FILE CHAPTER XXXX BANKRUPTCY ON XXXX. I CALLED AND NOTIFIED THE MORTGAGE LENDERS BEFORE XXXX ( See attached proof of notifications ) AND THEIR ATTORNEYS THAT I FILED BANKRUPTCY SO THEY COULD STOP THE FORECLOSURE OF MY HOME. THEY DID NOT COMPLY WITH THE U.S. BANKRUPTCY COURT-ORDERED STAY AND CONDUCTED AN UNAUTHORIZED FORECLOSURE SALE. A MORTGAGE FORECLOSURE WITHOUT PERMISSION OF THE BANKRUPTCY COURT VIOLATES THE AUTOMATIC STAY AND IS VOID OR VOIDABLE.
Company Response:
State: TX
Zip: 78251
Submitted Via: Web
Date Sent: 2021-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-08
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I got behind in my mortgage payment in 2020. It was covid related. I have ask for help from my mortgage company and they have denied me. They want me to liquidate my home. I am a XXXX vet retired from us XXXX. They refuse to help me with any options other then liquidation. I want to keep my house and I have funds to pay but my mortgage company is refusing help to me. I will be homeless. I have a wife and XXXX year daughter. I do not want to liquidate my home. I have no where to go. I can pay my payments. I cant bring current. I need help bringing current.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31313
Submitted Via: Web
Date Sent: 2021-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-08
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I am trying to get my Private Mortgage Insurance ( PMI ) removed from the mortgage on my house which is owned by XXXX XXXX.My loan service provider is Specialized Loan Servicing. I am NOT trying to refinance, I am only trying to get my PMI removed. Where I live the equity in homes has gone up substantially : XX/XX/XXXX signed permission for appraisal. I was told it would be an external and internal appraisal by an appraiser. Call Specialized Loan Servicing many times from mid XXXX to XXXX to check to see when appraisal would be done. XX/XX/XXXX I was told by a supervisor that the external and internal appraisal was ordered it would be between {$300.00} and {$800.00} and the appraiser would have 30 days to contact me to schedule an appointment. I asked if there was a name and number for the appraiser and was told that there was not and someone would call me within 30 days to schedule the internal/external appraisal. XX/XX/XXXX. I called Specialized Loan Servicing and said I had not heard from an appraiser. I was told that the appraisal actually occurred on XX/XX/XXXX and it was a curbside appraisal. The appraisal was a XXXX XXXX XXXX XXXX, it was curbside which was not what I was told or agreed to. The XXXX Mr. XXXX XXXX ( XXXX XXXX XXXX ) XXXX # XXXX and License # XXXX. The broker appraised my house for {$160000.00}. That is {$24000.00} less than what I purchased my home for on XX/XX/XXXX. I purchased my home at full ask of {$180000.00}. Also the comps were from a different neighborhood than my neighborhood. He used the XXXX XXXX neighborhood for the competitive listings. I live in XXXX XXXX neighborhood which has many many homes that have sold that are more comparable to my home. The homes he chose had current list prices far less than what my home was listed for. My home is a 3 bed 2 bath and over 1400 square feet. The closed sales he used as comps were all listed at {$160000.00} or below and had only 1 or 1.5 bedrooms. All of the homes were given a value of adjustment for a fence between $ XXXX {$10000.00}. I have a fence and my home was not given any value adjustment. Two of the homes he used were 14 and 15 yrs older than my home. On page one under property type single family it says Occupant : Owner, Tenant, Vacant. Vacant is what is checked off. This property is not vacant, it is owner occupied. It says market conditions are stable and supply and demand are balanced. That is not true. There is low inventory. He has vacancy rate in neighborhood marked off as 5-10 % that is not true it would be 0-5 %, and closer to 0. I had tried calling Mr. XXXX on Friday XX/XX/XXXX at XXXX XXXX EST and left a message. I called back at XXXX XXXX, no answer. Called Saturday XX/XX/XXXX at XXXX XXXX and left msg. Called Monday XX/XX/XXXX, at XXXX XXXX left msg. Called Tues XX/XX/XXXX at XXXX XXXX left message. Mr. XXXX has never returned my call. This is an improper appraisal. It was not done properly and was not done by an appraiser but a XXXX. I did not get the appraisal external and internal like I was told I would. I called Specialized Loan Services and told them that this was an unacceptable appraisal I was told that I had to send my request to a dispute department that did not have a phone number and I had to explain why I was disputing the request. I asked to speak with a supervisor and was told there was nothing they could do. I called Specialized Loan Services today XX/XX/XXXX. I asked to speak to a manager, I was told that a supervisor or manager was going to have to give me a call back in 24-48 hours, but they could probably do nothing and I would have to write and send a dispute to their dispute department with no phone number. The issue is that I did not get the correct appraisal by an actual appraiser with an internal and external evaluation ( Specialized Loan Services told me that would be the the type of appraisal I would receive ) that was what was agreed upon I should not have to mail a dispute and wait 30 more days. This issue has been going on since XXXX and although I do not have every date and time noted I have been trying to resolve this issue. In the meantime every month I am getting charged PMI which is {$110.00} per month. This is not fair. I have called and spent hours on the phone trying to get this issue resolved. My home value has gone up aprrox {$50000.00}, to {$60000.00}. There is no way my home is valued at ( {$160000.00} ) {$24000.00} less than my mortgage was approved for which was {$180000.00}. Specialized Loan Services needs to order a proper appraisal. I think they are undervaluing my home on purpose so they do not have to remove the PMI. I also believe they are taking a long time because every month that goes by they are getting {$110.00} that they should not be getting.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 274XX
Submitted Via: Web
Date Sent: 2021-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-08
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: My last Loan Modification received on my loan was approved with affordable monthly mortgage payments. In the midst of my making my monthly payments to XXXX XXXX, my payments were being returned because they stated the loan was not their loan and the loan number was not their number. They could not provide me with any information if my loan was sold or who was now servicing my loan. During this time I became ill and started having financial issues and was unable to make payments. I became delinquent with my payments and I eventually found out Specialized Loan Servicing was my new Servicer, I've been attempting to get a Loan Modification approved. I have paid attorney 's to help me in resoling this and they just took my money with no solution. I have been working with a HUD Housing Counseling Agency who have submitted several Financial Hardship Packages on my behalf but still no success. I want to keep my home and save it from foreclosure.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33027
Submitted Via: Web
Date Sent: 2021-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-05
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Hello. My name is XXXX XXXX. My lender is trying to foreclose on my home despite disputes and evidence of payments. Here are the chain of events. -XXXX XX/XX/XXXX XXXX XXXX offered assistance to account holders. I checked a box bank account online to receive 90 days forbearance/deferment. The 3 months were supposed to be added to the end of the note. That simple. -XX/XX/XXXX offered and additional 90 days after the first period expired. I resumed making payments AFTER the the initial period though. Payments are attached. -At the end of the 90 days I resumed making payments for mortgage BUT XXXX XXXX automatically enrolled me in an additional 90 days program. I do not recall selecting this option. - I continued to make payments through XX/XX/2021 to XXXX XXXX -XX/XX/2021 I received correspondence that the note was transferred to SLS back in XXXX and a past due statement. I called SLS and XXXX XXXX and spoke with separate agents who advised that all information had not been transferred from XXXX XXXX and they were still working on it. The rep at SLS confirmed I should not begin making payments around XX/XX/2021 because they needed to research further. -XX/XX/XXXX severe illness leading to multiple hospital visit/stays. I have evidence and records but do not think my personal health history should be attached to this complaint at this stage -XX/XX/XXXX sent payment for XXXX payment rejected by SLS -XX/XX/XXXX payment not cashed by SLS which made me assume that it was not time to pay my account yet. I have been very XXXX since my initial outreach AND out of town. I recently started going through my mail and discovered that there were intents to foreclose on the home, which was weird to me. Since late XXXX, I have attempted to make payments via SLS online portal but have been locked out. I called the company today to find out what was going on and now told that I am 369 days in arrears. Payments were made to XXXX XXXX directly until XX/XX/XXXX and I followed up about the matter in XX/XX/2021. Since the time I'm supposed to re-start mortgage payments, SLS and XXXX XXXX have not accepted payments. It's as if they are deliberately trying to take the home. The young lady who helped me " XXXX '' was helpful and thorough, BUT there is a possibility today 's payment still won't be accepted bc SLS/XXXX believe the mortgage to be behind by one year. 1. I am not a year delinquent 2. SLS/XXXX XXXX appears to have a messy transition with XXXX XXXX accounts and did not receive updated information 3. The research between the companies is not being done- I am being asked for XXXX XXXX documents related to the deferment that I am having a hard time getting ( yes, I did outreach to XXXX persons and SLS persons who said they would work on this ) I am extremely frustrated because... 1. Notice of the transfer from XXXX XXXX to SLS/XXXX XXXX was not sent, nor received until well after the transfer date of XX/XX/2021 2. SLS/XXXX XXXX says I'm behind 360+ days, but I'm not 3. Neither party seems willing to review the historical data in order to RESOLVE the problem. I'm now being told I have to request mortgage assistance when I DON'T ACTUALLY NEED IT! I just need to pay my mortgage for the last four months to honor the agreement with SLS but can not do it. Does this make sense? Why are payments being obstructed?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30331
Submitted Via: Web
Date Sent: 2021-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-05
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Sold a home last year.Paid remainder of motgage loan off in full.They in return sent to 3 credit bureaus saying it was 60 days late.My credit was ruined for about 6 months.The result. I was forced to stop looking at homes and have been in apartment for a year with my house full of furniture in storage because of it for a year.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 54913
Submitted Via: Web
Date Sent: 2021-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-05
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: We have been trying since XX/XX/XXXX to get a proper mortgage release for the mortgage that was paid in full in XXXX of 2021. The mortgage was originally with XXXX XXXX XXXX XXXXXXXX XXXX as nominee, then assigned to XXXX XXXX XXXX as Trustee... XXXX XXXX XXXX. This mortgage was attempted to be released by XXXX as nominee for XXXX XXXX XXXX and XXXXXXXX XXXX needs to release this pronto. This has been holding up financing for over 2 months, XXXX XXXX is blaming XXXX XXXX XXXX XXXX XXXX who is not the record owner of this mortgage, NOR do they have a Power of Attorney filed for XXXX to sign for XXXX XXXX, in XXXX XXXX Ohio Records. The Satisfaction/Release of Mortgage must come from '' XXXX XXXX XXXX XXXX XXXX relating to Home Equity Mortgage XXXX XXXX XXXX, Home Equity Pass-Through Certificates, Series XXXX " We sent the recorded document chain when we sent the corrected release request. Attached is a copy of the recorded documents as well as numerous email attempts to obtain a correct release from XXXX XXXX XXXX XXXX Department XXXX ; XXXX with no release sent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44240
Submitted Via: Web
Date Sent: 2021-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A