Consumer complaint received 2023-01-03
Company: Specialized Loan Servicing Holdings LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On or about XXXX XXXX XXXX  I Request Qualified Written Request and Request for Verification of the Debt XXXX XXXX XXXX, Complaint, Dispute of Debt and Validation of Debt Letter, TILA Request ( see attachment ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to dispute my account. I am hereby for the XXXX XXXX time requesting Qualified Written Request and Request for Verification of the Debt ( QWR ) Settlement Protection Act, 12 USC Section 2605e ) compliance under the under Section 6 of the Real Estate Settlement Procedures Act ( RESPA ) I am writing to request the following : ( 1 ) Copies of ALL documents pertaining to the origination of our mortgage including our loan application, Right to Cancel, Deed of Trust, note including all endorsements, allonges or other indicia of all transfers since the note was signed, adjustable rate note, Truth in Lending statements, Good Faith Estimate ( GFE ), HUD 1, appraisal including comparable properties, which were used to arrive at the value for the above loan, and all required disclosures. These copies should be legible and all documents shall be copied in their entirety. 
( 2 ) The date your firm began servicing the loan.

( 3 ) The previous servicer of this loan.

( 4 ) A copy of the loan history including the current interest rate on the loan, all payments made, all fees incurred, what has been paid out of the escrow account, and how all payments were applied.

( 5 ) A breakdown of the current escrow charges showing how it is calculated and the reasons for any increase within the last 24 months and a statement indicating which covenants of the mortgage and/or note authorize each charge. 
( 6 ) Please provide a copy of all trust agreements pertaining to this account.

1 ( 7 ) If this account is registered with MERS, state its MIN number.

( 8 ) Please provide a copy of all manuals pertaining to the servicing of this account. 
All of the above listed information should cover the entire life of the loan. 
We hereby dispute all late fees, charges, inspection fees, property appraisal fees, compulsory insurance charges, legal fees, and corporate advances charged to this account. 
We have reason to believe that either, the loan terms were misrepresented to us at the time of closing, or our payments made to the servicer on this note were inaccurately charged, and/or posted, causing unnecessary financial and emotional stress to us. 
If the servicer did charge and apply payments properly, then we have a reasonable suspicion that the loan terms may have been modified after signing. 
We are particularly concerned about the time period after XXXX, after payments started increasing. It was at this time that ___________became XXXX, and was not able to return to work for ________ ( until __________ ). During this time, unfortunately our financial reserves were drained, and we were forced to shuffle payments to avoid foreclosure, car repossessions, utility shutoffs, etc. It has been a constant battle since that time. Until recently we have stayed in contact with numerous people within your customer service departments, loss mitigation departments, and recently in the process of trying to bring this loan current, or attempting to renegotiate this loan. I was advised that someone would contact me and there would be no problem getting assistance to bring the account current. I had not heard from your customer service department again, and recently contacted your customer service department. It was then that I was told that it would be possible to negotiate and receive an offer to bring the loan current, but was never told on the phone what specifically that compromise was ; just that someone would be in contact with us. We both feel that we have been very proactive in keeping our family home. We do not want to lose our family home, and an application for a hardship withdrawal is in hand, to bring the loan current. We must have a letter with an amount to bring the loan current, and after an industry professional reviews all documents, and agrees that the amount on the letter is accurate, we will be making payment to bring the loan current. Both ___ and I have been given the runaround by your voice recognition call routing system on numerous occasions. I have talked to various agents with different versions of what the loan modification process really entails. I have been re-routed to the wrong department or individual, dozens of times. 

I hereby request the following : ( 1 ) A Copies of ALL documents pertaining to the origination of our mortgage including Our loan application, B Right to Cancel, C Deed of Trust, note including all endorsements, D or other all transfers since the note was signed, E Truth in Lending statements, F Good Faith Estimate ( GFE ), G HUD 1, H appraisal including comparable properties, which were used to arrive at the value for the above loan, and all required disclosures. These copies should be legible and all documents shall be copied in their entirety. 
( 2 ) The date your firm began servicing the loan.

( 3 ) The previous servicer of this loan.

( 4 ) A A copy of the loan history including the current interest rate on the loan, B all payments made, C all fees incurred, D what has been paid out of the escrow account, E and how all payments were applied.

( 5 ) A A breakdown of the current escrow charges showing how it is calculated B and the reasons for any increase within the last 24 months F The current Principal is Not Correct based on the original Contract of XXXX. 

XXXX Escrow is over inflated H Tax Statement for XXXX is incorrect I XXXX XXXX XXXX is incorrect J Qualified Written Statement has Not been Received it because Information is Not accurate

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