Consumer complaint received 2024-10-22 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Didn't provide services promised — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
XXXX SEPARATE ISSUES. 
XXXX ) I filed a complaint in the past about this XXXX XXXX XXXX. who refused to send me the information I requested and after CFPB contacted them, all they did was email a ton of papers which I would need a legal team to sort through it and they did not resolve my issue. They told you guys they fixed it and you guys said it's fixed without my approval. 
That would be exactly like me saying they stole XXXX dollars from me and they replied and say " no we didn't '' and you guys email me and say no they didn't - problem fixed. 
XXXX ) About a week ago XXXX XXXX XXXX. told me they can text me up dates if I would like. I said no advertising, they said no advertising. I verbally gave them my number. Then I find out it's a big scam they make money by having a fee tact on your phone bill for every text. I asked them to remove my phone number and replace it with only my landline number so that they can't text. They refused and said I have to mail in a written paper to ask them to remove my other number. Now how come they can take my number VERBALLY and put me on their text list but can not remove it verbally, but I have to now write a letter. 
XXXX ) Because of the hardship I'm enduring because of the XXXX XXXX XXXX XXXX XXXX, I asked XXXX XXXX XXXX if I am able to get some kind of ( deferment or forbearance ) which ever is the XXXX that puts XXXX months of payments at the end of the loan. They said sure, but they would only give me XXXX  months of no payments THEN they will decide if I have to pay all XXXX months ( which would be around XXXX for me ) if they decide. So another words, they are trying to trick me like they did XXXX years ago saying I could get a loan mod then tried to foreclose on my house ( which is the whole reason CFPB became about ) Another words, then in XXXX  months I will have to hire an attorney and file for bankruptcy all over again. Same stuff they did before. 
XXXX ) About XXXX years ago after leaving me no choice but to hire an attorney and file bankruptcy even though I had a perfect XXXX XXXX of XXXX, my attorney had me go through the bankruptcy and got me a modified loan. Ever since, I never missed a payment or was late and none of the mortgage servicers, including XXXX XXXX XXXX has ever provide my on time XXXX  year perfect payments to the credit bureaus and because of that they have ruined credit and my life and I now only have " XXXX  '' credit. Not bad credit. I never had any debts, just " XXXX  '' credit which is actually worst than bad credit. I can not get any credit because they refuse to report my perfect loan payments to the credit bureaus. I'm sure if I missed payments they would have reported it. 

They are consistently trying to scam and take advantage of their customers and steal their homes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation