the CFPB had to take action against XXXX XXXX XXXX twice during that time frame to even get me my mortgage package. XXXX XXXX XXXX has been reporting accurately since the CFPB literally forced them to 1 ) give me my correct mortgage package and 2 ) force them to admit that they had my singed copies ( CFPB actually delivered my signed docs to XXXX for me in the 15 month period! ). Long story short XXXX XXXX XXXX actually caused the 15 month long issue themselves and have damaged my credit for those 15 months on top of all of other undue stress they caused. Unbelievable. XXXX XXXX XXXX even states in their response that because I was in the trial period '' for all of those months which they caused themselves is the reason why they refuse to report all 60 months as paid as agreed '' as if a 15 moth trial period is completely normal. I would be so very appreciative if the CFPB could investigate the matter and have XXXX XXXX XXXX XXXXeport all 60 payments truthful as paid as agreed ''. I never agreed to that in the first place and for XXXX XXXX XXXX to use the very 15 month period against me that they spent trying to steal my home and the very same time frame that the CFPB had to step in twice against them is really quite brazen to say the least! I called the CFPB yesterday and had a pretty in depth conversation. I had read the HAMP program procedure and am familiar with it

What the CFPB Record Shows About the CFPB had to take action against XXXX XXXX XXXX twice during that time frame to even get me my mortgage package. XXXX XXXX XXXX has been reporting accurately since the CFPB literally forced them to 1 ) give me my correct mortgage package and 2 ) force them to admit that they had my singed copies ( CFPB actually delivered my signed docs to XXXX for me in the 15 month period! ). Long story short XXXX XXXX XXXX actually caused the 15 month long issue themselves and have damaged my credit for those 15 months on top of all of other undue stress they caused. Unbelievable. XXXX XXXX XXXX even states in their response that because I was in the trial period '' for all of those months which they caused themselves is the reason why they refuse to report all 60 months as paid as agreed '' as if a 15 moth trial period is completely normal. I would be so very appreciative if the CFPB could investigate the matter and have XXXX XXXX XXXX XXXXeport all 60 payments truthful as paid as agreed ''. I never agreed to that in the first place and for XXXX XXXX XXXX to use the very 15 month period against me that they spent trying to steal my home and the very same time frame that the CFPB had to step in twice against them is really quite brazen to say the least! I called the CFPB yesterday and had a pretty in depth conversation. I had read the HAMP program procedure and am familiar with it

the CFPB had to take action against XXXX XXXX XXXX twice during that time frame to even get me my mortgage package. XXXX XXXX XXXX has been reporting accurately since the CFPB literally forced them to 1 ) give me my correct mortgage package and 2 ) force them to admit that they had my singed copies ( CFPB actually delivered my signed docs to XXXX for me in the 15 month period! ). Long story short XXXX XXXX XXXX actually caused the 15 month long issue themselves and have damaged my credit for those 15 months on top of all of other undue stress they caused. Unbelievable. XXXX XXXX XXXX even states in their response that because I was in the trial period '' for all of those months which they caused themselves is the reason why they refuse to report all 60 months as paid as agreed '' as if a 15 moth trial period is completely normal. I would be so very appreciative if the CFPB could investigate the matter and have XXXX XXXX XXXX XXXXeport all 60 payments truthful as paid as agreed ''. I never agreed to that in the first place and for XXXX XXXX XXXX to use the very 15 month period against me that they spent trying to steal my home and the very same time frame that the CFPB had to step in twice against them is really quite brazen to say the least! I called the CFPB yesterday and had a pretty in depth conversation. I had read the HAMP program procedure and am familiar with it has accumulated 1 consumer complaint in the CFPB public database, with filings active across 1 U.S. state. Of those submissions, 1 includes a consumer narrative — the verbatim description of the reported problem that the CFPB collects alongside each filing. The earliest complaint on file dates back to The , and the most recent logged activity is The issue , giving this record a multi-year window of observable consumer sentiment.

Looking at response behavior, the CFPB had to take action against XXXX XXXX XXXX twice during that time frame to even get me my mortgage package. XXXX XXXX XXXX has been reporting accurately since the CFPB literally forced them to 1 ) give me my correct mortgage package and 2 ) force them to admit that they had my singed copies ( CFPB actually delivered my signed docs to XXXX for me in the 15 month period! ). Long story short XXXX XXXX XXXX actually caused the 15 month long issue themselves and have damaged my credit for those 15 months on top of all of other undue stress they caused. Unbelievable. XXXX XXXX XXXX even states in their response that because I was in the trial period '' for all of those months which they caused themselves is the reason why they refuse to report all 60 months as paid as agreed '' as if a 15 moth trial period is completely normal. I would be so very appreciative if the CFPB could investigate the matter and have XXXX XXXX XXXX XXXXeport all 60 payments truthful as paid as agreed ''. I never agreed to that in the first place and for XXXX XXXX XXXX to use the very 15 month period against me that they spent trying to steal my home and the very same time frame that the CFPB had to step in twice against them is really quite brazen to say the least! I called the CFPB yesterday and had a pretty in depth conversation. I had read the HAMP program procedure and am familiar with it reports a 0% timely-response rate and has closed 0% of cases with a written explanation to the consumer. 0% of complaints were closed with monetary or non-monetary relief — an outcome signal that tracks how often consumers walked away with some form of remediation. A further 0% of responses were formally disputed by the consumer after the company replied, a useful marker of resolution quality independent of sheer volume. The most-reported product category for this record is "even though I have a perfect payment record and have been exemplary XXXX XXXX XXXX has me down as being 120-180 days late on my credit reports from the time of XX/XX/XXXX to XX/XX/XXXX and will not remove the negative history. Unfortunately this also includes XXXX XXXX 's wrongful reporting for the month of XX/XX/XXXXas well. I had finally reached an agreement with Chase for a HAMP Modification. I was to make 3 trial payments and that was supposed to be my new mortgage. This was not the case at all as I made 2 of the 3 payments and XXXX sold me to XXXX XXXX XXXX where in which I was to make my 3rd and final trial payment. That did not happen. XXXX XXXX XXXX did not give me any modification papers at all until XX/XX/XXXXand when they did they had removed all of the Principle Reductions", and the single most common underlying issue is "done to me against my will and without my consent. These are actually the very same months that XXXX XXXX was trying to take my home and the very same months that the CFPB had to step in on two separate occasions just to even get the correct modification package. I had a very in depth and lengthy conversation on every aspect of the modification prior to entering into it. I never agreed to being in any trial period for 15 months! If anybody had been truthful with me and told me that I was going to go through all of that for 15 more months and end up w 7 to 9 late pays on my credit report for 7 more years then I would have never agreed to it. That would definitely have been a deal breaker. This has been an absolute bait and switch ''. XXXX XXXX explained in depth that I would go into the trial period for 3 months ( XX/XX/XXXX- XX/XX/XXXX )".

Complaint volume is heavily influenced by company size, customer base, and market footprint — larger financial institutions routinely carry more filings purely because they serve more consumers. A complaint is a consumer-reported allegation, not proven wrongdoing, and a timely or relief-flagged closure does not by itself confirm fault. Use this page as one input among many when evaluating the CFPB had to take action against XXXX XXXX XXXX twice during that time frame to even get me my mortgage package. XXXX XXXX XXXX has been reporting accurately since the CFPB literally forced them to 1 ) give me my correct mortgage package and 2 ) force them to admit that they had my singed copies ( CFPB actually delivered my signed docs to XXXX for me in the 15 month period! ). Long story short XXXX XXXX XXXX actually caused the 15 month long issue themselves and have damaged my credit for those 15 months on top of all of other undue stress they caused. Unbelievable. XXXX XXXX XXXX even states in their response that because I was in the trial period '' for all of those months which they caused themselves is the reason why they refuse to report all 60 months as paid as agreed '' as if a 15 moth trial period is completely normal. I would be so very appreciative if the CFPB could investigate the matter and have XXXX XXXX XXXX XXXXeport all 60 payments truthful as paid as agreed ''. I never agreed to that in the first place and for XXXX XXXX XXXX to use the very 15 month period against me that they spent trying to steal my home and the very same time frame that the CFPB had to step in twice against them is really quite brazen to say the least! I called the CFPB yesterday and had a pretty in depth conversation. I had read the HAMP program procedure and am familiar with it: cross-check against the CFPB Consumer Complaint Database directly, review your own contract terms, and consult a licensed professional for financial, legal, or regulatory advice. This page is informational only.