Consumer complaint received 2017-04-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN

Complaint narrative:
Select portfolio servicing bought my loan a few years ago. Everything was fine until XX/XX/XXXX. XX/XX/XXXX I filed insurance claim, insurance company sent check in my name, husbands name, and select portfolio servicing, we endorsed it sent to mortgage company to endorse so we could get our roof fixed. It is XX/XX/XXXX and we not only need a roof but now we have black mold and structural damage as well. It is even leaking down my walls now. We have bought several tarps to try to stop it until we got the check to fix it but there have been so many storms and they just shred the tarps. Also, I am XXXX to black mold as I found out last year when it put me in the emergency room getting XXXX to stop XXXX and XXXX on my face, eyes, and throat and now I have been suffering from sudden XXXX and XXXX as the black mold is in my bathroom which is in my bedroom where I sleep and although I keep the bathroom door shut, you can still smell it when you walk in my room really bad. The select portfolio loss draft department @ XXXX had me make an account on insuranceclaimcheck.Com so we could send info back and forth and I could keep up with the status of my insurance Disbursement process. I made the account and then I couldnt access it, at first, they said I could n't access it because I was 2 months behind on my loan now that I am completely caught up they are telling me that I ca n't access it because I live in a modular home and that people who live in modular homes are not privy to follow their insurance check status via the sight. Since I could n't access the sight to send information, I asked them to fax me the Lein release paperwork on XX/XX/XXXX and it is now XX/XX/XXXX and I have yet to receive that fax, luckily, I got tired of waiting and asked them to just mail it on XXXX and received it on XX/XX/XXXX, I then faxed it back on XX/XX/XXXX and waited for a response which there was none. I called around XXXX because they were supposed to be working on it and I was told they would fix the website so I could get in and check since my account was caught up. My account was still not fixed today on XX/XX/XXXX and that is when I found out about their discriminatory practices of people who live in modular homes. I just want to fix my roof. I have lived here XX/XX/XXXX years and would like to remain here until my XXXX day but even though I paid my insurance they will not release my check so I can fix my roof and I ca n't live with the black mold and their constant lies to keep me from being able to fix my home. What can I do and how do you fight such a big company. My measly {$6000.00} check is nothing to them and barely enough to fix my roof much less the damages that have come from fighting with them for 4 months while my house is sustaining worse damage everyday and I am getting XXXX from the mold but it 's still needed in order to do the repairs. Someone please help, I also have grandkids that come here to visit and they do n't need to be around this mold. I can not deal with this anymore, I have been laughed at, lied to, misled, and discriminated against by this company and their loss department to the point that I just ca n't deal with them anymore and have decided to contact a lawyer. I normally would not do that but come on, I 've been trying to work with them and jumping through their hoops since XX/XX/XXXX once the insurance claim was filed and nothing to show but mold, leaky roof, XXXX, XXXX. Enough is enough. I 'M DONE. 
Thanks

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