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How do you feel about the CFPB's RESPA resources and activities compared with its predecessor, HUD? Comments
6/27/2015 12:33:11 PM 8/12/2016 2:40:37 PM 11/4/2015 7:47:45 PM 10/2/2018 7:01:36 PM 5/10/2016 1:01:59 PM 1/7/2016 2:30:23 AM 10/23/2015 4:49:09 PM 10/12/2017 12:57:33 PM 3/20/2015 3:14:30 PM 8/7/2015 2:10:12 PM 3/6/2017 4:13:21 PM 10/9/2018 4:46:01 PM- new CFPA TRID practice requirements are slowing down and over papering the closings for the banks.
1/20/2017 5:58:49 PM - Why are we putting so much faith in the CFPB?
Please evaluate my problem wholeheartedly.
At the end of 2014 I requested guidance from Wells Fargo(WF) about my interest rate increase. This simple request has turned into a fight for honesty and having integrity when there’s a mistake. WF has fraudulently destroyed my 800+ credit score, discriminated against me, and broken several key loan servicing laws. All of the allegations against WF are supported by my documents. I want to hold WF accountable for the indiscretions against me. You may find my story and supporting documents on www.wffraud.com
The CFPB truly doesn't have control of the servicing industry. My plight tells the true story of the destruction a servicer can inflict on a person for almost 2 years.
The CFPB has just given Wells Fargo a 60 day extension, my time has run out because of the statute of limitations.
Please review my new update, I have included my resume to prove I am a real person with a real problem and no one is willing to help.
8/7/2016 9:00:34 PM 1/30/2015 11:03:16 PM 4/4/2017 4:36:51 AM 5/22/2015 3:08:01 PM- The only good thing about the CFPB and the new regulations regarding closings and TRID is that it provides a great excuse to exit the field of residential real estate closings
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6/8/2018 3:46:26 PM 12/15/2015 6:47:59 PM 3/23/2015 1:26:47 PM 8/25/2015 1:36:08 PM 5/6/2016 3:33:44 PM 12/27/2017 12:50:36 AM- CFPB MOST HELPFUL
1/14/2017 4:42:49 AM 1/19/2015 8:24:02 PM 9/13/2016 12:32:52 PM 5/22/2015 3:12:47 PM 1/27/2015 10:25:45 PM- HUD wins.
11/20/2015 5:15:45 PM 9/1/2017 6:32:18 PM 10/30/2015 4:45:32 PM 10/30/2015 5:43:59 PM 2/24/2015 10:31:35 PM 6/3/2015 11:48:54 PM 8/8/2017 8:55:21 PM 6/17/2016 3:33:01 PM 11/18/2016 7:29:20 PM 8/25/2015 3:27:48 PM 10/30/2017 5:42:24 PM 3/8/2016 3:16:43 PM 6/4/2015 2:32:03 PM 3/13/2015 9:45:00 PM 4/1/2016 9:02:09 PM 2/9/2015 3:45:07 PM 1/4/2016 7:35:19 PM 5/23/2016 9:30:00 PM 6/20/2017 6:54:57 PM 7/8/2015 7:52:39 PM 9/19/2018 2:27:34 PM 4/29/2015 10:00:17 PM 5/26/2017 6:58:25 PM 2/21/2017 7:43:54 PM 9/15/2016 10:07:44 PM 4/14/2017 2:56:57 PM 3/20/2015 7:37:06 PM 1/26/2018 4:14:51 PM 4/27/2018 2:41:48 PM- They still need to address new questions now that lenders are actually producing LE and CD in a live enviornment
11/10/2015 5:10:38 PM 11/27/2017 3:41:53 PM 1/10/2017 5:59:35 AM- The CFPB is an unnecessary, unconstitutional waste of tax money with far more authority to intermeddle than is safe to put into the hands of useless bureaucrats. Its always easy to tell when an entity is run by people have never done anything useful for a living. We are now saddled with officious government leeches whose only expertise is in interpreting their own silly, byzantine rules. The CFPB is a shining example of everything wrong in the federal government.
3/29/2016 3:34:02 PM 1/4/2017 1:01:23 AM- HUD may have been slow, but they knew their stuff. Cfpb does not have sufficient staff with actual experience. Lord knows who their test audiences are as they surely do not get it. The new forms are more of a UDAAP than prior and current forms ever were/are.
4/2/2015 11:41:06 PM 9/18/2016 6:37:31 PM 1/16/2015 8:02:55 PM 4/12/2016 3:39:50 PM 5/8/2015 1:33:09 PM 5/5/2018 4:57:30 PM 3/20/2015 4:07:15 PM 1/31/2017 3:13:36 PM 12/26/2017 6:02:22 PM 7/21/2015 6:40:43 PM 5/27/2015 1:38:53 AM- CFPB has more resources but HUD had more expertise.
5/8/2018 1:23:17 PM 7/28/2015 3:49:05 PM 3/11/2016 2:02:07 PM 1/2/2017 10:56:47 PM 11/20/2015 4:37:27 PM- The question was not well worded. The CFPB has more regulations so of course they will have more resources. The expertise of CFPB is significantly less than HUD's. This could be due to the much more complex regulations under CFPB. The CFPB's staff has clearly demonstrated a lower concern for their impact on consumers than HUD had.
9/5/2017 2:33:22 PM - HUD fully understood what changing the rules impacted and they addressed every scenario when it came to implementing and enforcing the regulation. I still feel that CFPB didn't consider all things when developing and changing the rules. Not all factors were considered and I'm finding that out through testing but what can we do. The rules are in place, the deadlines are set and CFPB has allowed no room for a contingency plan. Again, it will be left up to the industry to stumble along and figure it out.
3/16/2015 12:05:52 PM 3/10/2015 10:43:12 PM 12/29/2017 4:03:37 PM 4/30/2015 6:03:09 PM 6/23/2015 6:25:00 PM 11/3/2015 12:13:00 AM 12/8/2015 8:50:37 PM 12/4/2015 4:31:06 PM- Most every agent that has had a closing using the new TRID,,has hated the process. It has cost me 2 extended closings as no one knew how to use the new TRID. I have had to extend by one week to ten days due to the ridiculous 3 day rule. I preferred the old HUD where all parties could review the numbers prior to closing and have them gone over in person at the closing. There has been at least a 2 week period of time that has had to be added to the loan approval process, due to these changes. Buyers don't want to see their loan approvals take 60 days. They are missing the 30 day turn around. How can we speed up this whole process?? I think of the old saying "if it's not broken, don't fix it".
12/29/2015 6:39:15 PM 5/26/2015 7:00:00 PM 4/12/2016 3:25:02 PM 3/11/2016 3:16:38 PM 9/16/2016 3:03:29 PM 3/23/2015 2:40:12 AM 11/6/2015 1:04:20 AM- They need to put out timelines of the law, with effective dates.
6/23/2016 4:03:35 PM - The consumer driven website tools are a huge leap forward!
9/14/2016 6:51:14 PM 11/5/2015 2:12:18 AM 2/13/2015 5:15:14 PM 9/24/2015 11:43:07 PM 11/24/2015 3:00:19 PM 6/9/2015 4:30:02 PM 12/30/2015 5:35:43 PM 12/28/2016 12:39:38 AM 8/24/2015 7:23:41 PM 1/26/2017 7:44:11 PM 3/27/2015 5:36:30 PM 5/22/2015 3:56:23 PM 12/2/2016 8:18:16 PM 9/17/2015 7:50:58 PM 1/4/2017 1:01:21 AM 3/17/2017 3:57:54 PM 4/7/2015 1:51:07 PM 1/31/2018 6:42:25 PM 12/21/2017 2:23:22 AM 3/17/2015 6:13:58 PM 7/30/2018 8:09:39 PM 7/7/2015 4:13:26 PM 1/22/2015 10:46:56 PM 2/16/2017 8:48:59 PM 4/2/2017 1:17:37 AM 12/11/2015 4:50:32 PM- CFPB has too much enforcement power and fining power. All those fines do not go to consumers, fines fund the CFPB. It is an anti industry agency.
5/9/2017 9:08:06 PM 12/2/2015 10:04:36 PM 4/4/2017 6:29:18 PM 1/27/2015 6:16:08 PM- CFPB's web site is more for consumers then the Bankers who have to abide by and implement these changes. They have been confusing at best.
9/29/2015 7:11:33 PM 1/5/2018 3:06:48 PM 6/20/2017 4:40:59 PM- CFPB in theory is a great idea but in practice they are completely incompetent, uneducated, and harmful to consumers and the industry alike.
7/31/2015 8:41:14 PM 6/19/2015 3:28:30 PM 2/16/2016 8:34:55 PM 10/6/2015 2:34:12 PM- CFPB is a great government agency, the last stand between Lenders and servicers that get to frisky trying to Foreclose on Borrowers. I hope that President Trump does not do away with this agency. Consumers are generally defenseless without the help of CFPB and RESPA. Lenders/Servicers make mistakes and are quick to impose fees, late charges, etc. CFPB keeps these companies in line. Tks RESPA and CFPB. Dax C
2/2/2018 3:22:28 PM 3/17/2017 4:41:08 PM 8/28/2017 7:52:52 PM 3/10/2017 4:59:00 PM 8/25/2015 4:11:16 PM- Not so sure about its "expertise", but the CFPB sure has more "resources" behind it!
1/22/2016 6:23:22 PM 7/17/2016 1:38:25 PM 10/14/2016 1:41:52 PM 12/14/2015 12:25:00 PM- The CFPB has been less than responsive to industry in clearing up glaring omissions in their own rule making.
12/1/2015 12:57:02 PM 4/1/2016 4:09:19 PM 1/11/2016 3:48:26 PM 11/7/2017 10:02:57 PM 10/13/2015 6:50:54 PM 3/1/2016 7:09:40 PM 11/4/2015 5:11:28 PM 6/16/2015 2:58:27 PM 3/18/2016 7:13:09 PM 12/8/2015 6:29:38 PM 3/8/2016 4:59:26 PM- Thank you for your blog article. Great. ebefdckckddeeedd
3/31/2017 4:39:43 AM 3/24/2015 5:35:26 PM 2/7/2017 4:40:04 PM 7/13/2016 3:17:23 AM- CFPB needs to take action against Chase & Seterus mortgage. Requested RESPA Qualified Written Request from Seterus - no response, they have caused my credit to go down, don't show accurate amounts due, rude reps on phone-sure not willing to help instead focusing more on foreclosing. Biggest fraud partners of them all
3/3/2017 5:47:12 PM 10/25/2017 2:16:21 PM- Re: Google Manual Action Penalties
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9/18/2017 7:18:56 AM - CFPB IS a Valuable agency. If my badly mangled credit report is used as data, CoreLogic is providing inaccurate data to their customers
.
5/25/2016 7:42:07 PM 2/7/2017 2:40:49 PM 1/28/2015 2:41:01 PM 1/24/2017 3:10:20 PM 2/7/2017 8:08:28 PM 8/25/2015 4:00:50 PM 8/28/2018 12:40:43 PM 4/28/2015 11:48:41 PM 2/13/2018 6:09:16 AM 8/4/2015 2:07:17 PM 4/14/2016 3:38:41 PM 9/22/2015 5:39:42 PM- THE CURRENT CD IS A NIGHTMARE OF ALL PARTIES.....
12/18/2015 3:07:47 PM 6/1/2015 3:33:34 PM 4/11/2017 3:57:10 PM 9/6/2016 2:10:50 PM 2/11/2015 7:30:40 PM 1/31/2017 6:58:30 PM- I find it comical to use the word "expertise" in the same sentence with CFPB. The new regulations and regulators are the best, or should I say worst, examples of a ridiculous boondoggle foisted upon us by a government gone wild.
11/4/2016 2:13:41 PM 4/7/2015 8:14:21 PM 5/31/2016 6:01:16 PM 6/3/2016 8:39:16 PM 5/24/2016 4:48:09 PM 4/28/2017 7:07:19 PM 9/30/2016 1:04:02 PM- The new CD is awful and the consumers I've closed hate it.
12/6/2015 5:32:59 PM 11/17/2015 6:16:25 PM 11/3/2015 7:33:50 PM 11/4/2015 7:54:28 PM 3/10/2017 7:10:47 PM 7/13/2018 9:34:45 PM 6/1/2016 6:43:42 PM 4/27/2015 7:18:37 PM- The implementation of the CFPB has been all about money. Everybody spent thousands on changes and the CD is the most confusing for new borrowers. The old HUD with debit and credit balances was a lot easier for the new Borrower to understand.
3/29/2016 2:02:44 PM 6/16/2017 2:48:18 PM 11/4/2015 7:53:58 PM 6/5/2017 9:43:14 PM 11/14/2016 6:25:35 PM 4/7/2015 1:55:22 PM 12/22/2015 4:48:23 PM 5/27/2015 10:05:43 PM 3/27/2017 6:08:42 PM- NO ONE at the CFPB can explain the TIP BOX and neither will we be able to explain how it is calculated to the consumer. REMOVE THE BOX, please.
4/24/2015 6:15:14 PM 4/5/2016 5:16:29 PM- The days of "no RESPA police" comments are gone for sure!
9/29/2015 6:14:47 PM 2/24/2015 4:27:26 PM 9/13/2016 11:29:58 AM 4/16/2015 10:54:11 PM 6/2/2015 8:35:26 PM 4/9/2016 3:32:38 PM 2/16/2016 7:02:25 PM 7/29/2016 9:14:16 PM 6/1/2015 1:16:17 PM 7/4/2016 8:09:50 PM 3/13/2016 3:10:01 PM 4/17/2015 5:27:11 PM 9/14/2017 4:30:14 PM 5/27/2015 5:52:06 PM 10/6/2015 8:47:53 PM 4/17/2015 7:01:50 PM 3/21/2017 5:38:53 PM 5/19/2015 6:57:51 PM 10/15/2015 6:55:57 PM 1/22/2015 11:37:27 PM- CFPB has more resources, more money, more freedom and more voice but they do not use it wisely or with a real intent to ensure compliance. They intentionally refuse to correct pitfalls in their regulations and issue meaningful clarifications or even stand behind their own people in interpreting the mess they have created. It is perfectly clear that they want confusion to remain as it gives them a guaranteed path to enforcement and resulting cashflow and publicity if they should ever fall short of things to pursue to prove their relevance.
10/11/2017 10:44:10 PM 7/10/2015 11:15:47 PM 7/18/2015 4:41:32 PM 3/5/2018 6:52:52 PM 8/30/2016 1:44:54 PM 3/15/2016 5:39:30 PM 5/26/2015 8:00:00 PM 3/8/2016 3:24:31 PM 7/11/2017 6:33:51 PM 2/7/2017 7:16:48 PM 5/26/2015 3:33:04 PM- CFPB has more teeth, but I have been looking for the past hour for where I can report RESPA violations anonymously (Realtors asking for kickbacks) and coming up empty. So, we still have a long way to go.
8/14/2016 1:12:20 PM 3/17/2017 4:48:37 PM- We closed deals for many years without the tanglement of the federal groups.
12/22/2017 5:04:37 PM 11/20/2015 3:09:37 PM 8/18/2015 2:29:56 PM 8/13/2018 5:04:10 PM 2/14/2017 1:59:02 PM 1/5/2016 7:26:40 PM 6/30/2017 5:40:03 PM 5/4/2018 12:43:45 PM- CFPB has been my only hope in attempting to STOP Bank of America from stealing my home. My situation is still on going after four years of nothing but cruel and unusual, deceitful ploys, schemes and scams, including a phony mortgage and note, forged, copy, cut pasted signatures and three law firms as guilty as the banks, possibly title company, insurance company and an Ohio system that's turning a blind eye and have committed errors, shown in the docket. What has HUD done to help when I filed a complaint letter with them? Absolutely nothing except upset me more. Kinda at HUD could not have been more rude in her follow-up call to me stating there was nothing I could do to save my home and stated, "Just face it. You need to move because invariably your house will be auctioned and you'll be removed from your home." This involves my home in which I was I was current in my payments .. Actually I was paid ahead when BoA set out to steal my home I've lived in for 20 years. With zero success in being able to find a lawyer in the State of Ohio to defend my rights and only offering to file bankrupycy (I have zero debt, two cars paid off and current on all monthly utilities) OR their offer to try to get a loan mod. So more than 5 months ago, I hired a loan mod firm, after coming to terms with accepting the fact I can't beat BoA's deep pockets and endless firms they employ to cover up this fraud, and BoA has continued their same deceptive practices. This goes way beyond all RESPA violations. BoA has had my completed financial packet for months and continually come back wanting more verification, even though they now have 6 months worth of my untilitity bills, profit and losses for the entire year, and 6 months of bank statements since every month they continue to demand that I submit bank statements again saying the others are outdated. I more than qualify and have shown proof in my ability to pay. This was never about a loan mod, losing my job or any of the other unfortunate events that have bestowed so many other victims in America.. It has been nothing short of a living hell, which has had a severe impact on my health. My body just doesn't want me living in it any more and is shutting down.
I have had ZERO help from HUD with other calls in the past. Their resources are only to comply to show they have resources, not to truly help the victim. I'm still in my home but a sale will be acheduled in April if BoA wont at least provide a refinance or some way to FIX THIS MESS THEY CREATED OR at minimum knowingly inherited. Some of the players in the past 20 years of owning my home are:
BANK OF AMERICA
COUNTRYWIDE
SHORE MORTGAGE (but not really as this is the phony forged mortgage and note that showed up the same week HSBC sent me the original blue/ink original mortgage and note marked PAID of a loan I did have that I was coerced and pressured into signing originating from ...
WILMINGTON (A Division of AIG)
FREDDIE AND FANNIE
PRINCIPAL
RELIASTAR
MCA (Original loan where I suspect this scheme may have started from.
... Every day and everywhere I look I find more fraud. I'm truly afraid for what I know now and the scariest part for me is when I reflect on the possibility of abandoning not only my home, the state of OHIO I've lived in for 53 years but my Nation, which I once adored. I can't trust banks any more and am suffering from symptoms similar to that of a rape victim, including PTSD. Now weighing in at 95 pounds, from being physically and mentally fit my entire life, I'm focused and proactive in my fight to regain my mind, body and spirit i used to possess. My deep faith in God has kept me alive so far.
Does this sound like a plea for help over and above my answer to this survey poll? YOU BETCHA! My three college degrees hasn't lefts smart enough to figure it out on my own and I'll try to grasp onto any little piece of straw I see. (Not straw buyers and I'll refrain at this point to even begin that topic which is probably involved in my case as well.)
I've typed this with my thumbs on smart phone. If you care to judge me based on typos or format, please take that into consideration.
WHO AM I?
CINDY SCHMITTAUER
7302 CHERRYWOOD LANE
WEST CHESTER. OH 45069
(513) 317-2320
[email protected]
You can also find me on FACEBOOK and my private inhome pre-school: WEST CHESTER LEARNING ACADEMY (which by the way I opened after cut backs at the public school I was employed at, due issues in HOW OHIO FUNDS THEIR SCHOOLS.. Last I checked OHIO lost a class action suit involving this very fact of inequitable funding.
SO for what it's worth, I remain in,
Truth and Justice,
CIndy Schmittauer
2/6/2015 8:44:16 PM 4/9/2016 2:05:11 PM 2/16/2016 5:31:34 PM 5/21/2015 3:21:40 PM 11/11/2016 8:26:31 PM 1/31/2015 3:24:49 AM 3/6/2015 6:58:25 PM 8/14/2015 12:25:29 AM 8/2/2016 7:08:16 PM 4/3/2015 7:09:06 PM 12/8/2015 4:44:51 PM 7/8/2016 12:57:14 AM 1/30/2015 8:56:29 PM- Not even close.
3/18/2016 6:51:27 PM 7/31/2015 3:16:02 PM 1/25/2015 3:02:04 AM 12/8/2015 6:50:27 PM- CFPB needs to replace Mulvaney with a more progressive leader to get its teeth back.
8/21/2018 8:35:28 PM 4/21/2017 9:54:49 PM 8/8/2016 7:39:27 PM 1/13/2017 7:40:37 PM 4/12/2016 4:21:33 PM 5/26/2017 4:38:55 PM- HOW ABOUT YOU TELL ME WHOSE BEEN THERE FOR MY FAMILY?
https://www.change.org/p/wells-fargo-asc-refuse-2-modify-widow-with-4-kids-fraudulent-criminals/u/10665521
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2/18/2015 5:53:57 AM 1/30/2017 9:52:31 PM 3/21/2015 2:53:32 AM 5/17/2015 7:35:31 AM 10/20/2015 3:42:29 PM 10/27/2015 11:37:10 PM 5/8/2015 5:11:55 PM 11/4/2015 7:51:43 PM 12/4/2017 6:33:43 AM 5/19/2015 6:00:26 PM 8/3/2015 5:26:13 PM 2/18/2015 6:02:46 PM 11/22/2016 1:35:34 PM 9/21/2015 4:01:27 PM 11/5/2015 12:27:23 AM 12/8/2015 8:53:55 PM 8/18/2015 4:12:21 PM 1/5/2018 4:44:26 PM 1/22/2016 2:57:40 PM 5/26/2015 7:22:09 PM 11/3/2015 4:26:25 PM- They are out of touch with reality.
5/19/2015 7:14:34 PM 2/2/2015 7:45:56 PM 8/1/2017 6:50:27 PM- HUD did zero for me when I sought their help,advice and guidance in dealing with Bank of America trying to steal my home with a forged, phony/fake Note and Mortgage with the following names on it: Shore Mortgage, PATRIOT TITLE, endorsed via stamps of known stamped robo-signers, Countrywide, Bank of America, LAW OFFICES OF JOHN CLUNK, and all signatures, including mine, my husband's at the time and Notary, CLEARLY cut/copied/pasted in, that Bank of Amerca is claiming to have been Assigned through MERS, but which Countrywide claims to have been acquired through Shore Mortgage, ALL at the same time period (within weeks) of Bank of America acquiring Countrywide. When Linda (from HUD) called me to follow up on a complaint letter I sent (per HUD's online service/help instructions, I was appalled at the say she talked to me, refusing to listen to my claims and telling me "You might as well just face it. You need to move out because your home will eventually be foreclosed on and sold at auction." She kept repeating it wasn't her job to address any claims of fraud, and gave me NO RESOURCES where to turn to next. Her response was to check the internet. I was blind-sided by the foreclosure complaint filed against me, as I was making payments on time, automatic deductions, and actually was paid ahead when BoA set out to steal my home! EVERYTHING (except God) that I had been raised to believe and trust in with regards to banks, the court system and governmental agencies in place to protect and defend my rights was shattered and HUD was zero help, in addition to actually causing me MORE INDUE STRESS on my body, mind and overall health which started rapidly deteriorating due to BoA's fraud, deceit and lies, compounded by the lack of support from people and agencies I once trusted. CFPB at least (seemingly) has procedures in place that forced BoA to come to the table and reapond to me .. But nothing has changed. I'm still get the run around and now on my 4th Rep and third law firm being substituted as counsel by Bank of America in the foreclosure action against me. Ohio lacking an Attorney General who will even listen to or take my complaint, and listen to what I have to say, and the lack of lawyers in Ohio that will stand up to Bank of America, without telling me "You can't beat the Big Banks" and tryng to get me to file bankruptcy when I have a good income, ZERO debt to pay outside my monthly living expenses, never lost my job/income, and found myself a targeted victim of aggravated theft. With a pure and clean heart, in truth and justice, I remain,
Cindy Schmittauer
I'm not worried at this time about submitting my name in a public forum because 1st, I bekieve in transparency, I have NOTHING to hide and in addition, I have already (verifiably) had my security breaches on ALL my bank accounts, online accounts, and every device I own. I pray daily for the conversion of all the people committing fraud on me dating back to when I first bought my house 20 years ago through MCA, and any one who is aiding and abetting this fhese frightening attacks against my America Dream. At first I want to flee my God given country. Afte being stalked and my home broken into three times, with only one of those times having (a single item, my high-valued wedding ring) stolen. The intruders wanting me or to see if anybody lived there is still questionable. Now I'm graced with fortitude to remember I AM AN AMERICAN and have lived my entire 53 years of life as an OHIOAN. I will NOT do my Country, State and fellow brothers and sisters that way. My military family member and "America" itself" has taught me that "WE" don't RUN in the face of adversity, but look it in the eye, and stand firm with what is RIGHT, GOOD, MORAL and JUST.
... And yes, I'm still searching for a lawyer licensed to practice in the State of Ohio, with the knowledge and fortitude and (guts?) to stand up to the GIANTS against me. I've come full circle from debating my inner most beliefs about suing someone. I have tried EVERYTHING possible to invite Bank of America to fix the problem that THEY have created and become transparent themselves. Not only have they ignored my cease and desist letters, request for a Quiet Ttile, my QWR's with the exception of sending me their payment ledger (which actually show misrepresentations of my payments, they have continued their mental wargames of pretending their are working on a "fix" while simultaneously dual tracking and escalating actions to get my home to Sherriff sale. I'm left with no other alternative than to invite them to a law suit. In Ohio it's nearly impossibly to even get a day in court without a lawyer but I will not roll over and play dead. Unfortunately and sadly, I've learned far too much.
3/6/2015 8:39:46 PM 12/21/2017 3:59:26 PM 5/8/2015 1:29:41 PM 9/27/2016 1:49:57 PM 5/16/2017 10:23:38 PM 10/27/2017 2:36:00 PM 4/17/2015 3:24:46 PM 2/20/2015 3:12:19 PM- Isn't it funny how I can not read a single topic completely except the one where "you" people take your usually gig at the GOP ...Nice job!
6/22/2015 3:17:27 PM 2/17/2015 4:00:51 PM 4/20/2018 1:27:25 PM 5/1/2017 8:58:05 PM 10/2/2015 2:24:48 PM 9/22/2015 4:18:01 PM 7/19/2016 1:49:45 PM 4/25/2016 2:59:12 PM- CFPB is THE only hope left for victims, with the aid of the FTC and FBI. The outrageous and unthinkable actions in the housing market such as Countywide's HSSL scheme and others that followed that crashed our economy are still occurring today and will continue without the CFPB having some involvement that aides the victims of our great but broken America. The mere mention of getting rid of the CFPB whose job it is to assist innocent Americans being victimized through ponzi schemes and other unconscionable illegal actions involving misrepsenrations, deceit, conspiracy, extortion, fraud upon (and within) the courts, recorder's offices, racketeering, identity theft, forgery, and student loan fraud, to name just a few, is an unconscionable thought in and of itself. I'm left with the opinion that anyone that suggests that the CFPB, the agency in place to help VICTIMS in this Country,being frauded, has to be doing so with only self-serving Interterst based on greed, wanting to aid, abet, perpetuate and continue fraiding innocent victims, including but not limited to stealing homes, property, land, investments, from innocent homeowners, investors and government agencies/programs, among other unconscionable criminal activities. There are organized criminal networks which include state AG's, attorney-investors, judges, sheriffs, real estate agents, brokers, underwriters, loan officers, title companies and bank thugs gangs who have ceased to stop destroying lives. HUD is involved in some of the crimes, so to suggest they are are the entity to protect the innocent is a ludicrous idea.
12/16/2016 9:02:30 PM 5/26/2015 5:54:57 PM 11/25/2015 3:43:13 AM 3/29/2016 5:40:22 PM- CFPB has more resources but WAY less expertise...dangerous and frightening.
9/30/2016 2:59:04 PM 11/5/2015 2:55:16 PM 3/4/2015 6:21:46 PM- The Loan Toolkit is very dangerous to consumers. By not using Net Origination Charges in Section D of LE. A Brokerage Originated loan will not reflect the Origination Credit in D. It will make the Brokerage Originated loan appear more costly than a non brokerage competitor. The Toolkit instructs consumer to use Section D to determine which loan offer is best for them. The CFPB is pathetic in their lack of cooperative working with industry professionals that HUD use to have.
4/17/2015 4:07:28 PM 1/23/2015 5:16:39 PM- who cares, the crooked RE speculation industry & their banisters will try to weasel out of compliance in order to rip off the poor sucker homebuyer anyway.
8/14/2016 7:06:14 PM 3/24/2015 2:55:10 PM 4/17/2018 1:52:13 PM 10/9/2015 2:21:43 PM 5/5/2015 5:40:31 PM 11/10/2017 3:55:34 PM 11/4/2015 9:25:34 PM 4/12/2016 3:25:01 PM 5/19/2015 6:16:15 PM 8/26/2016 12:42:38 PM 12/6/2017 2:56:56 AM 7/17/2015 5:11:23 PM 1/3/2017 2:07:18 PM 2/10/2015 5:18:47 PM 6/13/2017 2:59:44 PM 3/17/2017 7:21:23 PM 10/2/2015 2:23:03 PM- Dodd Frank and CFPB have ruined the mortgage lending business and has made it much more difficult for consumers to obtain home mortgages and much more expensive as well
1/31/2018 6:18:16 PM 9/15/2015 3:18:21 PM 8/10/2015 4:01:45 PM 4/7/2015 4:19:23 AM 12/9/2015 3:31:07 PM 1/10/2017 5:59:26 AM 1/23/2018 12:58:34 PM 4/30/2015 2:01:58 PM 8/4/2017 5:42:33 PM 12/2/2016 7:55:24 PM 10/23/2015 3:08:26 PM 3/13/2015 8:17:05 PM 10/6/2015 3:54:44 PM 4/7/2015 3:51:17 PM 2/14/2017 8:23:53 PM 10/13/2015 2:04:55 PM 10/27/2015 6:27:19 PM 10/12/2015 2:59:51 PM 4/14/2015 5:43:56 PM 9/1/2015 5:21:32 PM 8/19/2016 11:40:20 AM 9/19/2018 3:19:03 AM 3/27/2015 6:01:30 PM- I think it is NUTS to change it. The banks are not ready to administer and it will take the market a huge amount of time to figure out the new rules. How did this ever get approved?
6/19/2015 2:19:41 PM 11/11/2015 4:06:22 PM 11/7/2016 10:12:57 AM 1/24/2017 5:45:47 PM 6/29/2018 12:02:03 AM 8/17/2015 10:00:02 PM 5/19/2015 7:18:56 PM 2/16/2016 5:16:30 PM 5/8/2015 1:40:27 PM 8/11/2015 5:09:55 PM- CFPB's cases are getting thrown out left and right. It is now being considered a joke in the real estate community.
Congrats.
7/5/2018 8:31:36 PM - This does not mean I agree with all the changes made under the CFPB
4/5/2016 6:31:39 PM 5/6/2016 1:34:52 PM 9/7/2016 5:53:48 PM 1/22/2016 5:28:13 PM 8/15/2015 11:07:08 PM 9/22/2015 1:12:48 PM 6/21/2016 7:20:53 PM 4/12/2016 8:56:27 PM 11/29/2016 1:54:06 PM 1/20/2018 6:45:55 PM 11/24/2015 7:21:27 PM 4/14/2015 5:35:02 PM 11/10/2015 5:32:14 PM 6/30/2015 4:10:52 PM 11/4/2017 2:26:35 AM 3/11/2016 2:34:47 PM 7/7/2017 3:32:50 PM 5/10/2016 2:10:00 PM 5/19/2015 4:56:33 PM- I have had 3 conversations on 3 different CFPB rules with 3 different CFPB attorneys. In all 3 rules, they acknowledged the anti-consumer impact. When I asked, "Now that the CFPB is aware of the anti-consumer impact, will they be changing the rule?" 2 responses were, "No, too bad for the consumer." The 3rd, "No, we are too big to make and it is difficult to make changes to the published rules."
10/10/2015 1:41:49 PM 4/30/2015 12:05:55 AM 11/4/2015 11:46:31 PM 5/12/2015 2:32:00 PM 8/25/2015 4:28:35 PM 6/23/2017 1:48:52 PM 9/12/2015 12:28:58 AM 7/9/2015 4:51:37 PM 5/17/2017 12:44:10 PM 1/8/2016 3:53:53 PM- Thank you for your blog article. Great. cefaedbcgfeekgca
8/15/2017 3:17:02 PM 9/27/2017 9:10:11 PM 4/7/2015 2:27:52 PM 5/19/2015 3:32:42 PM 6/3/2015 5:04:13 PM 3/1/2018 2:00:20 AM- CFPN does not need to exist
9/15/2017 1:03:16 PM 7/23/2016 10:07:00 PM 2/6/2015 8:36:17 PM- In my opinion, the CFPB has gone out of its way to be ambiguous with regulatory interpretations. HUD was much better about being more specific.
11/13/2015 6:22:46 PM 8/9/2016 6:58:16 PM 12/15/2015 11:13:03 PM- CFPB is great!
4/15/2016 6:44:39 PM 11/25/2015 12:34:49 AM 11/6/2015 3:03:57 PM 8/28/2015 3:25:59 PM 3/31/2017 4:06:09 PM- I am so grateful for your blog article.Really thank you! Fantastic. feecddbgeddecedk
9/30/2017 4:09:00 PM 2/9/2016 5:56:37 PM 1/3/2017 12:44:18 PM 3/29/2016 2:05:05 PM 3/3/2016 2:40:46 PM 1/16/2015 3:58:12 PM 5/3/2015 1:40:15 AM 4/28/2015 5:48:58 PM 11/4/2015 11:49:06 PM 5/21/2015 6:00:13 PM 9/15/2015 3:08:45 PM 6/18/2015 12:57:34 PM 2/7/2017 7:36:36 PM 7/5/2016 2:15:19 PM 11/4/2016 1:32:44 PM 7/18/2015 1:32:21 AM 11/6/2015 5:32:53 PM 1/29/2016 3:48:41 PM- HUD has been zero help to me in trying to get to the bottom of my forged mortgage and note. As a matter of fact, I received a response letter from HUD stating falsities and they refuse to listen to the facts I have forwarded them.
7/10/2015 10:38:00 PM 7/25/2017 8:43:46 PM 1/6/2017 9:13:04 PM 1/14/2016 9:16:03 PM 9/23/2016 6:27:48 PM 6/1/2015 4:14:26 PM 10/23/2018 5:20:01 PM 5/15/2015 7:13:06 PM 11/24/2015 6:38:06 PM 9/22/2015 2:22:24 PM 1/27/2017 1:28:51 PM- Is this a survey for a minipulated result. Where is option CFPB has more resources and less expertise than HUD had?
8/2/2016 12:40:46 PM 11/17/2017 5:08:39 AM- You can still call and ask two people the same question and get two different answers. It's basically the same as contacting the FHA help line.
8/30/2016 2:47:27 PM 2/19/2018 10:17:29 PM 11/17/2015 8:07:56 PM 4/8/2015 7:26:20 PM 7/23/2015 11:54:34 PM 3/30/2015 8:19:57 PM- I have been in the business 40 years. The first RESPA caused more confusion to borrowers and lenders were able to get around it. Dodd and Frank were in trouble with liar loans with Countrywide, how in heavens name were they able to write a 2,000 bill??? The CFPB is a joke, it is only more confusing, adding costs to every part of the real estate industry. The government needs to stay out of the private sector and allow local government to prosecute offenders and consequences to fix themselves. The small business WILL not survive, is that what we want? Really, do any of you have children or grandchildren that will never have the opportunity to dream about starting a business? I know it's slowly shutting my doors as I can't purchase all the bells and whistles to comply with CFPB like the big underwriters. Yes, it will put small business' out. The CFPB is a loose cannon, that anyone can light.
2/17/2015 6:21:33 PM 12/30/2016 6:45:26 PM- HUD DOES NOT PROVIDE INFORMATION THAT RELATES TO SIGNIFICANT COURT RULINGS VITAL TO HOMEOWNERS AND TENANTS. CFPB IS A BLESSING TO CONSUMERS, ESPECILALLY DISADVANTAGED ONES.
4/8/2016 1:24:23 PM 6/16/2017 1:21:47 PM 3/1/2016 9:49:16 PM 4/21/2015 7:11:52 PM 9/19/2017 4:53:09 PM 2/1/2017 6:20:49 PM 6/9/2016 1:18:43 AM 10/6/2015 4:01:56 PM 11/22/2016 2:20:13 PM 8/29/2018 8:08:17 PM 5/9/2016 9:14:59 PM 11/20/2015 6:07:52 PM 10/9/2015 4:30:49 PM 5/3/2016 2:17:13 PM 5/22/2015 4:02:29 PM 9/26/2017 7:35:43 PM 9/22/2015 1:52:38 PM 1/27/2015 3:45:47 PM 1/10/2017 1:48:57 PM 12/5/2016 6:07:19 PM 3/25/2016 4:01:49 PM 11/5/2015 7:40:46 PM
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