Consumer complaint received 2017-12-02
Company: NATIONSTAR MORTGAGE LLC
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
The company sent my non public private medical and financial information to a post office in florida that does not belong to me. The company sent the modification package to that post office. The company did not respond to my initial package sent / I followed the company request to ask the sellers to give me title to the property to modify and assume the loan. I asked for status and they responded with a motion for irem judgment and summary judgment against me and the current mortgagors. 
I did not have privity of the mortgage balance and arrearages. Considering the information given by text from XXXX XXXX prior the hearing at metro court, it became evident it falls over the XXXX that metro court is allowed to act on, and it was dismissed for lack of jurisdiction. I filed with FID in Florida and in NM and with CFPB because my contract balance does not match the balance that Nationstar has, and the payment of XXXX does not match the payment of my contract intially was XXXX and now is XXXX. My contract is current paid to date and there is a misplaced XXXX $ from escrow from title to XXXX XXXX that title has not answered to my demands of copies of front and back of check The trust company I just found out has a director named XXXX XXXX. Coincidentially, I found out XXXX represented the seller in XX/XX/XXXX. I did not know he represented the sellers, I did not know he is the one who wrote the contract, however he should have had disclosed that in writing, I did not know the individual, he was picked by the other attorney, XXXX XXXX at XXXX XXXX, the title company the sellers closed many times with. 
In a conversation with XXXX XXXX, because he is the director of XXXX XXXX the fiduciary that takes the payments, on behalf of the seller to pay the mortgage, it was evident the mortgage company does not have enough funds to cover the money that the bank is asking for the balance to be current. I was told checks are being sent to the trust company back from the sellers, In trying to locate the address of the selllers, as the trust company XXXX XXXX did not give me, I got public records of deed transfers, several under the XXXX XXXX and XXXX XXXX in their name where they bought and sold condos and homes cash and in XX/XX/XXXX three ayear, and I was told that the safe act has a provision that if the investor who is the seller in a REC sells more than 3 properties a year, then, the balloon provision is not allowed. I had a balloon, and when I wanted to refinance i went to the same XXXX XXXX XXXXXXXX and they told me the property is underwater, I told them how come if the contract is current, that was in XX/XX/XXXX. Again mom tried to purchase it instead of refinance it in XX/XX/XXXX again and they told her there has to be at least 5 % equity in the home to be able to purchase it that the bank has a loan that exceeds the value. I disagreed because I had title insurance and two attorneys and I put XXXX down and the contract is current. 
I heard XXXX XXXX XXXX sold toxic mortgages that they had from XXXX   to other banks as performing loans. I heard nationstar had the mortgage now from the sellers. The payment for that house was initially XXXX or less as the check written from my mother given to the title conpany is back in XX/XX/XXXX. Now is XXXX and I saw from recent submission of nationstar the payment is XXXX??? Is this a fraud, a scam and why the trust company 's director/seller reprsentative/contract writer/title company vendor kept it quiet? the seller did not tell me anything '' did he refinance, forebear the loan, modify, skip payments? how the balance went the other way if I made payments? and is current? my mother made payments? we called the bank and the bank told us all three banks they can not give us information, all we got recently is a text form the mortgagors saying if we do not keep paying the payment they will foreclose. Mymother 's entire socical security payments are in the house, my retirement is in the house in the form of rehabilitation of major compoinents, roof, ac heater, windows, flooring, etc. I am not your regular investor flipper I am a single mother wanting to keep her house but for the bank to ask me to pay XXXX or not " let me assume '' the mortgage and keep the house and duress me with an IREM judgment is unconscionable. for the sellers, mortgagors to call me and ask me to give the title back to them so they can let the house go into deed in lieu of their mortgage obligation is more appaling. To try to seize my mother 's payments as a senior is worse. Iam XXXX but I am not XXXX as she is My family will be homeless and my XXXX kids too, however we are the ones to lose, and the help from the division of vocational rehabilitation I get is to recouperate from a car accident to get back to a position where I could suppport my family. My mother brunted the payment of this house in good faith because she knows I see my son at my house which due to all this bank fraud and nonsense, the visits stopped and I am back at court. As far as the attorneys, please Nationstar pay XXXX his XXXX of fees he charges in court for the modification paperwork sent with negligence to the XXXX 's I never asked him to send my personal information to some other person 's address nor gave him other address than my house at XXXX XXXX XXXX XXXX, XXXX, NM XXXX. I had an attorney, XXXX XXXX who was XXXX XXXX  and thanks to this animoisty and what legal aid told me, the tortorious interference of this attorney with my employment i don not have a lawyer, and I do not have a job, both were at XXXX XXXX XXXX. I lost a job, and my NPI got disseminated, to a XXXX  in florida and on top this attorney wants to get paid for his job by you and by me. well I attached the welfare my family and I are getting thanks to the recent job loss. DVR is helping me to get in a position to secure employment and I want to keep my house with the income I will get when I find another XXXX job since the one I had was interfered with by XXXX XXXX   passionate efforts to collect legal fees for sending the modification to the wrong address and wanting an answer. I want to keep my house. I want restitution for both my mom and I and I will assert to any means I can to not let this banks do to others what they have done to us. I hope CFPB gets the title thte trust the attorneys the sellers the trust companies to stop covering their fannies. I only have food stamps and medicaid for now until people start acting in good faith.

Company response to consumer: Closed with explanation