Consumer complaint received 2021-04-24
Company: Mr. Cooper Group Inc.
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
In XX/XX/XXXX My husband and I bought a home in XXXX Missouri. 
Due to husband having better credit was the only person on the note. 
Deed of Trust and all other Docs 16 pages Property Joint Borrowers XXXX Husband learns he is XXXX ill. 
XXXX Husband notifies XXXX XXXX XXXX the need to modify loan to affect a lower inerest rate XXXX XXXX notifies my husband that he had too much income to qualify for the Program XXXX XXXX sells Loan to Nationstar Mortgage XXXX Husband gives sole ownership of Family home through a Probate Transfer make wife XXXX. Filed at the XXXX County Courthouse XX/XX/XXXX XX/XX/XXXX Husband passes away from XXXX  XXXX Nationstar takes over loan Widow gets slightly behind due to making funeral arrangements husband did not make that months payment unbeknownst to Widow. 
XXXX Widow submits all documents to establish her as Co-Borrower.Executor of her husbands Estate Request assumption.modification REQUEST DENIED XXXX have Mortgage Payments current apply for assumtion/modification to lower interest rate to make pmt more affordable REQUEST DENIED XXXX payments Current Apply to Assume/Modify Loan Denied stating my name was not on the loan. 
XXXX Nationstar DENIES Loan Assumption Application Stating that the loan did NOT ORIGINATE BEFORE XXXX therefore ineligible to Assume or Refinance. 
XXXX More requests to refinance and to put my name on the loan and allow me the widow the benefits of an ONTIME Mortgage Reports to Credit Bureaus. 
XXXX Nationstar due to corrupt practices reorganizes itself as MR. COOPER. 
XXXX aPPLY for assumption/REfinance at XXXX credit Union DENIED due to low credit score. 
XXXX Realize that MR COOPER was not any more consumer friendlier then Nationstar, NEW NAME SAME abuse of this widow. 
Basically i have been denied any right to access any of the equity in my home. I have and continue to pay Mortgage Payments, Taxes, Homeowners Insurance, Plus make significant property improvements with out the other benefits my husband would have enjoyed had he lived. 
Most recent Denial to Assume DATED XX/XX/XXXX recieved in todays mail. 
I remain stuck in this box having to think every single day about my husbands death with no hope to move on. 
my rights are being violated not being an attorney i dont know which specfic to my rights as a successor. 
Catch 22 My score is low because of lates or dischrges after my husbands passing. 
The unreporting of Mortgage Payments made ontime keep my score low while giving the Mortgage Company their reason for DENIAL visious cycle. I am so so very much ticked off and frustrated. Ones house is their biggest investment and i should be able to tap into the benefits of a lower inerest rate which remains at 6.87 % to this date. 
I firmly believe i am being discriminated against as a woman. And a target for not getting the relief i seek as i may be considered a good future foreclosure opportunity. It seems to me that by accepting my payments etc. That i have in Fact already assumed this loan. 
My last assumption attempt was made on XX/XX/XXXX XXXX on XX/XX/XXXX or XXXX I called to check the status of my app i was told that since my payment had not been made/posted i was ineligible to assume. My Mortgage is paid every month when i get my social security check. Mr , Cooper had no reason to assume the XXXX Pmt would be any different.

Company response to consumer: Closed with explanation