| 10/05/2017 |
No |
- Mortgage
- Conventional home mortgage
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Web |
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My wife and I applied for a mortgage and were approved by XXXX XXXX XXXX in XXXX, WA. The property is in XXXX, OR. We were buying the property for our XXXX, XXXX XXXX XXXX, and XXXX. We live in Maryland and we fully disclosed this fact to the mortgage company. They assured us that this was routine and as long as they know I n advance, it will not affect the settlement date.
The settlement date was supposed to be XX/XX/XXXX. We had all of our information and we were ready to go. The title company was ready as well. On XX/XX/XXXX, I was expecting to get the documents in the mail so we could sign and return. That never happened. Since XX/XX/XXXX was before XXXX XXXX, all of the employees at XXXX XXXX XXXX took a half day off, so there was no one in their office to close the loan and finalize the documents.
My familys lease expired on XX/XX/XXXX and it was clear that we would not settle prior to the end of XXXX since the documents still had to be finalized and sent to us for signature and then mailed back. I mentioned this to the mortgage company because I could see that my family was going to need a place to stay for the gap between their ended lease and settlement of the new property.
XXXX of XXXX was unable and unwilling to help with this so I took on this process myself. I had to get them a suitable hotel for XXXX adults, XXXX child, a dog and a cat. We tried to get the animals in a kennel but all of the kennels we tried were booked because it was a holiday weekend. So we had to find a hotel that was pet friendly and large enough rooms to accommodate the family and the pets. We were able to find a XXXX XXXX close by that accepted pets and was large enough to accommodate everyone.
Then, there was an issue with personal effects. We needed to find storage for their personal effects for the gap between the cessation of the lease and settlement of the new property. We were able to secure a storage locker for XXXX month to store the belongings. A month lease was the shortest time we were able to get. We got the cheapest price we could to accommodate all of the belongings and personal property.
The other issue was movers. My family had movers for the original settlement date ; however, we needed to get other movers to assist with the second move from the storage locker to the new property. We also were not sure when the new settlement date was so it was difficult to get movers since we really didnt know which date to reserve. This issue was not the main concern since the storage locker was rented for XXXX days.
We also had to pay for another notary since I was in a different location than my wife due to work. Again, XXXX Of XXXX was informed of this by me so there should have been ample time to accommodate these known events.
During all this excitement and uncertainty, XXXX Of XXXX did absolutely nothing to assist with reservations, recommendations, or provide any monetary support to make us whole even though their negligence caused this entire chain of events.
I attempted to work with XXXX Of XXXX directly to get these expenses reimbursed since they admitted that they dropped the ball. I was dealing with the branch XXXX for a while. I sent him an itemized list of all my expenses which I was seeking reimbursement for and also receipts. After I sent the receipts, his communication stopped and he never returned any of my phone calls or emails. At that moment, I realized I was going to have to pursue other avenues to recoup our extra expenses. Here is an itemized list of all reimbursement and damages we are seeking : Notary XXXX Moving XXXX Storage XXXX Hotel XXXX Total Expenses XXXX Damages XXXX X Expenses XXXX Total XXXX
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| 02/01/2022 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I looked at my most recent credit reports from XXXX, XXXX, and XXXX and found that accounts with XXXX XXXX XXXX and accounts with XXXX XXXX that are paid in full was reported showing negatively against me as late payments. They reported negative and defaming information beginning XXXX of 2018. I have been denied credit and my creditworthiness has been compromised. I do not agree with the accuracy or integrity of the information they are reporting. I have researched throughout the CFPB and have found that : 12 CFR 1022.41 ( a ) ( 1 ) ( 2 ) ( 3 ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly Reflects the terms of and liability for the account or other relationship, Reflects the consumer 's performance and other conduct with respect to the account or other relationship, and Identifies the appropriate consumer.
12 CFR 1022 41 ( d ) ( 1 ) ( 2 ) ( 3 ) ( 0 ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : Is substantiated by the furnisher 's records at the time it is furnished ; Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and Includes the information in the furnisher 's possession about the account or other relationship that the XXXX has Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; Also that this is a violation against me according to 15 USC 1666 - Correction of billing errors
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| 08/08/2018 |
No |
- Mortgage
- Other type of mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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In XX/XX/XXXX I finally reached my goal of paying off my credit card debt and was ready to purchase a home. I went to explore options for individuals who need assistance with a down payment. The county of XXXX had a program ( that is still posted on their website ) using parameters of {$42000.00} to qualify, however they do not have any grant funds left this year and the program manager, XXXX XXXX stated that it will likely be next spring that they can offer this program. However the website states there are funds currently available : XXXX XXXX XXXX Clearly the posted income parameters are stated as {$42000.00}.
XXXX XXXX XXXX I then secured a lender, XXXX XXXX XXXX XXXX. I told XXXX about the program I found and she stated the City of XXXX XXXX has the same program and did have funds available and that I did qualify using the city 's salary guidelines of {$42000.00}. She prepared my loan package and encouraged my realtor to also submit the package with an offer. I went to great lengths to provide lending documentation, preparing the offer to purchase and submitting the application to the city of XXXX XXXX. I was then informed by XXXX Last the City of XXXX XXXX Program Director who stated that the state had lowered the income guidelines and the lender used an outdated application. Yet the only application and documentation that is available for consumers still has the old income parameters. It was not only disappointing to have wasted so much time and effort but a complete misrepresentation of the programs that are supposed to be available to consumers. How possibly could the income guidelines have gone down when the housing costs have gone up.
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| 04/19/2018 |
No |
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Web |
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I reached out to XXXX XXXX NMLS # XXXX because I heard him on the radio to refinance my mortgage. I told them that since I had owned my house for two years and the market had grown so much, I wanted to refinance mortgage insurance off of my house since I was at a 80 % loan to value. There was no reason to refinance my loan into an FHA because that would mean that I would still pay mortgage insurance. I tried to meet with XXXX XXXX but he kept having his assistants meet with me, which I was fine with. We got my house appraised and it was appraised at {$160000.00}, credit score of XXXX and I only owed {$100000.00} .... so it was perfect to be put into a conventional loan with no mortgage insurance. When title came over to my house to have me sign documents I asked if this had the mortgage insurance off of it and he said that the mortgage company should have taken care of that for me. Instead they refinanced me into another FHA loan instead of a conventional loan and I am still paying mortgage insurance. The payment didn't even go down or up, it stayed the same. I feel they only did FHA because they made more money on the loan, based on what my other friends in the industry are telling me. I kept trying to call over to them after I noticed that the paperwork said FHA and not Conventional. They kept telling me that they would have XXXX reach out but he never called back. I tried to go down there and they kept blowing me off. I tried and tried, but to no avail ... .they just kept avoiding me.
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| 01/04/2018 |
No |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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We contracted with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX ( XXXX ) XXXX on XX/XX/XXXX to update our kitchen. We financed the {$3000.00} with XXXX with 12 months same as cash. After several months, and numerous phone calls from us, nothing had been started. We call and visit XXXX often and continue to get different stories every day. They do not return calls. We got the floor installed and then again nothing. We started a dispute with XXXX XXXX XXXX in XX/XX/XXXX. We sent a letter explaining our dispute with XXXX and the project that was not received. We provided pictures of our unfinished kitchen. XXXX sent a two sentence letter stating that they thought the customer was " happy '' with the project. XXXX XXXX XXXX. sided with XXXX. From that XX/XX/XXXX letter until today we are receiving collecting calls from XXXX. We have called XXXX several times trying to escalate the dispute higher. I was told that XXXX had already paid XXXX the total amount and now it is our responsibility to pay The dispute should be between us and XXXX.
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| 06/09/2018 |
No |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My husband and I purchased a home in Nevada. We went through a loan broker and were provided a loan by XXXX XXXX. Before our first payment is due, XX/XX/XXXX XXXX XXXX sold our loan to XXXX. I do not want a loan with XXXX.
We have excellent credit and never missed a payment. Had I known they would have done this I would never obtain the loan through them. Our loan broker said they were a direct lender and retained their loans. We were lied to. The broker is XXXX XXXX out of XXXX. Do we have any recourse? I am very upset. This is fraud.
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| 04/03/2018 |
No |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
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Web |
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My problem is with Home Finance XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX this company requested my credit report without my permission on XX/XX/2018 that's not the worse they came to my house with saying they would have police come to my home I wasn't 10 day pass due. Then they called my sister-in-law about my payment I didn't use her as a reference.
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| 12/22/2018 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
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| 08/22/2018 |
No |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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| 05/06/2018 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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| 03/26/2018 |
No |
- Mortgage
- Other type of mortgage
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Referral |
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| 01/18/2018 |
No |
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Web |
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| 12/15/2017 |
No |
- Mortgage
- Other type of mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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| 10/30/2015 |
No |
- Mortgage
- Home equity loan or line of credit
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- Credit decision / Underwriting
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Web |
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| 12/16/2012 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Application, originator, mortgage broker
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Web |
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