Consumer complaint received 2017-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: SC

Complaint narrative:
I acquired a mortgage through XXXX XXXX XXXX inXX/XX/XXXX. The loan amount was {$45000.00}. This was for the purchase of a mobile home and land. The account was sold to XXXX XXXX about a year later. Several years later the account was sold again to XXXX XXXX XXXX  I had gotten behind on payments and borrowed {$12000.00} for my in-laws to catch things up and pay the late fees. This was late XXXX early XXXX. I can provide a copy of this payment from my in laws to XXXX upon request. I will have to get the cancelled check/bank records from them. This {$12000.00} payment was not credited to the account when it was sold to Carrington Mortgage within 30 days of accepting the payment. I have tried to resolve that through both XXXX and Carrington with no luck. One always refers me to the other. 
After XXXX XXXX XXXX XXXX XXXX in XXXX XXXX I was working with Carrington to get out from under the Home. I had moved and no longer wanted that property. I was planning to sell for the payoff. I was offered a deed in lieu by Carrington, initially they said the would pay me {$3000.00} to agree to the deed in lieu and I would be free and clear of the property with no owed balance. Basically, they would take the home and property in exchange for the payoff. This took months, I dealt with a guy named XXXX for months on this issue. I was told initially that there were some liens against the property that were holding things up. The liens turned out to be 1. Against someone with a very similar name to mine, but not me by any means and not someone who ever had anything to do with the property or Home. 2. Against the guy I purchased the home from, the lien was placed against him after we closed on the Home with the attorneys, so was wrongfully places on the property. He no longer owned it when the lien was placed. Finally in XX/XX/XXXX XXXX advised me that we were all done. In XX/XX/XXXX my credit report changed to show that my Carrington account was closed due to deed in lieu. In XX/XX/XXXX Carrington called me inquiring about a payment, I was shocked. I told the woman that called me that the account was closed and that they had owned the property since XX/XX/XXXX She said that her records showed the liens stated above had kept the deep in lieu from being final. I explained the changes to my credit report and pulled it up while on the phone with her to confirm. She said she was going to speak with the company attorneys and get the issue resolved and would contact me back within a week. I never was contacted back, but later that week my credit report was changed and the Carrington account reopened. Now showing a balance of {$85000.00} +, {$40000.00} more than my initial loan in XXXX. I tried to contact them using the number provided on my credit report only to find 30-40 minutes of never ending ads on insurance, cruises, etc. I was never able to get anyone on the phone. I tried e-mailing XXXX as that was how most of our communication was in the past with never a return email. Finally in late XX/XX/XXXXI was contacted again inquiring about payment. I explained my situation and the changes to my credit report. I also explained that there was no maintenance or upkeep of any kind with the home or property for several months due to me being under the impression that I no longer owned the home. Again, she advised me that she would be in contact within 3 days. 3 days later later my credit report was altered again to remove statements and wordage regarding the deed in lieu. I have copies of these credit reports before and after all changes. I have not been able to get in touch with anyone since that day. I have tried calling, leaving voicemails, and emailing with no replies. Im not sure where to go from here. The effect this has on my credit is disabling. I have asked on several occasions from both XXXX and Carrington for a copy of my original contract or note and they have failed to provide the document for me

Company response to consumer: Closed with explanation