Consumer complaint received 2016-01-18
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have some major hardships and these hardships goes back to the origination of my loan documents, fraud, games being played, mortgage crumbling. I have gone through the mill with XXXX, XXXX XXXX XXXX and now Select Portfolio Servicing. I have gone through mismanagement of my loan documents, notes, fraud committed by XXXX and XXXX XXXX XXXX, then my loan was sold to SPS and they have increased my original loan from the amount that was provided to me through the DOJ Loan Modification. I have a balloon payment of {$62000.00} and I have behind in my mortgage due to death of my mother, having to pay her funeral expenses, her outstanding bills ; etc., I have been sick and having problems with knees and my back. I am still trying to keep up with the repairs on my home replacing toilets, sinks, faucets, removing the lawn in the backyard to support the California draught, having trees removed and their roots removed that was very costly, plus the removal of carpet and replaced with tile, but I do n't have the money to replace the carpet in my family room that was damaged by the flood, having to pay out money to have my roof repaired due to a major leak that caused my home to be flooded and I have had to constantly pay out of pocket due to those major bills, plus lost of income, car power booster and engine went out in my car so I had to get a new car after replacing the parts that did n't work. I have had some major set backs, plus I sick and I am XXXX years old and unmarried, single female with medical problems. I will be XXXX years of age on XXXX XXXX, XXXX and my eye sight is undergoing some significant changes. I need help, please this is too much to withstand any longer. 
SPS has raised my monthly mortgage to a higher rate than it was before my loan was sold by XXXX XXXX XXXX. I need to know who is my investor and I would like to review my notes ; etc. I was paying my mortgage on time and I was doing fine up to all of the major bills were thrust upon me that I have had to pay out and plus the burial of my loved one my mother. 

I would like to have my loan amount forgiven or my mortgage dismissed due to the many primary errors that were caused by XXXX and XXXX XXXX XXXX and now SPS is following suite XXXX they will ignore your calls, they have assigned a relationship manager to me, but he ignores my calls and will not tell me what is really going on whenever I catch up with him, this is a game too, and they are about to foreclose on my loan and take my home from me. I want all foreclosure proceedings to be stopped and the lawyers removed from my file and whatever they have placed on my home for sale to stop all due process. I have received a letter of default back in XXXX, XXXX due to my lack of money to pay my mortgage in full every month, I am behind at least 5 months. I need your help to stop all process until I am able to work things out ; please. I want to keep my home and I would like to resume paying my mortgage and I want the underwriter to review my documents and get back to me very soon, so that I will know my next steps. 
I want the money owed to put on the back end of the loan or a new modification, so that I am only paying at least {$800.00} per month. 

I would like to know if you CFPB will assign me a number so that I can get my mortgage back on track and pay and start fresh with my mortgage. I would like for loan to be removed from SPS, they are the worst.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation