Product: Mortgage

I am reporting Vanderbilt Mortgage for providing false information to XXXX XXXX insurance. My father originally cosigned for the mortgage when the loan was first established. He passed away in XXXX. I filed a claim for roof damage in XX/XX/XXXX. Since my father passed away Vanderbilt removed my name from all correspondence and replaced it with the Estate of XXXX XXXX XXXX. Technically this is my grandfather. My father was XXXX XXXX XXXX XXXX. I have attempted to get this reverted back to what it was originally to no avail. To date they continue to keep the Estate of XXXX XXXX XXXX on all bills. Vanderbilt reported my father as the primary account holder to XXXX according to XXXX XXXX ( XXXX claims manager for this account ). They failed to mention that they listed this as an estate & that I was the person making all of the payments. In fact I was never mentioned at all when the information was gathered for payment. The checks from the insurance were issued to my deceased father. His estate does not exist and has been closed since XXXX. These checks were stopped after I contacted XXXX & let them know what Vanderbilt has attempted to do. I am the person that has made every single payment on this mortgage from day one. Vanderbilt said they could remove the Estate information if I refinance, other than this option the Mortgage will remain in the Estate of XXXX XXXX XXXX. Meanwhile, my deceased fathers name is on the checks to get the roof fixed and he obviously does not have the ability to sign. Vanderbilt is refusing to provide XXXX with my name to get this issue resolved. I do not have the legal authority to sign his name. I changed my name legally in XXXX & sent the documents to Vanderbilt. I have recently resubmitted the same documents to include the court order of name change, a copy of my social security card and drivers license. This property was NEVER part of the estate. It was a loan that my father cosigned. Yet Vanderbilt allowed my sister in law to get a copy of payment transcripts & billed this account & put this property in to the estate. My sister in law was never any part of the estate settlement, power of attorney or executor of the estate. They refused to speak to me although I am the sole payer on the account but she was provided with all the information she asked for which breeches privacy of this account. 
I was in a car accident in XXXX & XXXX XXXX XXXX  I did miss a payment waiting on my accidental insurance payment. I caught the payments up as soon as I received a payment. This late payment is preventing me from refinancing with another company until XX/XX/XXXX. I will not be refinancing with Vanderbilt. However, I will have difficulty getting a loan with any other bank because they will not put my name on this loan. When they do include my name it is my married name that was changed legally to my maiden name in XXXX. I have explained this to Vanderbilt customer service several times but the typical response is refusing to remove a closed Estate from the account or acknowledge that they are keeping a deceased man as the primary account holder. Vanderbilt is attempting to gain the funds from the insurance claim by lying to XXXX XXXX XXXX stating XXXX XXXX ( not the Estate ) is the account holder. They are preventing me from refinancing with another mortgage company because of this loan remaining in the name of a closed estate and refusing to acknowledge my legal name change that occurred in XXXX. Vanderbilt told me the only way this would be removed is if I refinance. With this current situation the only way this could happen is if I refinance. My chances of refinancing with another lender is low since this loan is still in the name of an estate that was closed in XXXX & does not include my legal name.