Consumer complaint received 2017-01-01 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NV

Complaint narrative:
To whom it may concern, SPS Servicing I wanted to give an understanding to my servicer of what occurred during the transfer of my loan from XXXX to SPS. I divorced XX/XX/XXXX.XXXX changed his address to XXXX XXXX address.Per court order of the divorce degree, the house was my-my soul possession. On XX/XX/XXXX, my ex-husband XXXX XXXX XXXX quick claimed his interest of our house to me. On XX/XX/XXXX, my original loan of XXXX was to have the Deferred Principal Reduction amount.Interest Bearing Principal Balance and this amount were XXXX Interest at the rate of 8.625 %. My first monthly payment set for XX/XX/XXXX, and on the Interest Bearing Principal Balance due XX/XX/XXXX. SPS was sent my loan documents on or about XXXX XXXX XXXX was making my new payments on my loan since XXXX XXXX, XXXX. SPS was only sent the original loan for XXXX according to XXXX, My new modified loan was not sent over to SPS for another 3 months according to XXXX who stated this might of caused a lot of the confusion .Any mail that had XXXX name on it was intercepted by the mail because he had put in a change of address XX/XX/XXXX.As part of the divorce degree, we had a no contact order for 1 year and until XX/XX/XXXX we had no contact about our divorce. XX/XX/XXXX XXXX XXXX XXXX filed BK and it was put on my credit, therefore closing my loan with XXXX and SPS. With no help from XXXX or SPS to clear up the life changing mistake during the transfer of my new modified loan to SPS out of fear XX/XX/XXXX I filed BK because was was not able to obtain a copy of my modified loan until XX/XX/XXXX because my loan was considered closed from XX/XX/XXXX from no contact and my ex-husbands BK XX/XX/XXXX, This has been a life-changing event times XXXX, None of this was done by my doing, It acquired during a life-changing moment of time. I humbly ask you to take a look at my situation one more time so this can be resolved and I can go home and remodel my house from the damage of my neighbor and the cutting down of my 50-year-old tree 's and use of a backhoe and rip out my 20 years of landscape to the squatters who did damage to my walls and floors doors paint ex .My neighbor asked a bank representative who was sent up to the property if he could trim my tree 's, and he was told nothing will be done to this property for a while so he took it upon himself to destroy my trees and yard to date the is a mountain of dirt and yard in my front yard. This has been life changing for me and my family I have lived on my property since XX/XX/XXXX when I bought it from XXXX and XXXX XXXX & XXXX XXXX, my parents and grandmother.What happened after my loan was transferred was not my fault or my doing, I ask my loan be reinstated and start fresh from XX/XX/XXXX because I have spent 5 years trying to fix all of this with no help from XXXX or SPS because my loan was closed and it 's almost impossible to obtain copies of anything when your loan is closed, please help me resolve this nightmare I have had to live, much XXXX and XXXX from things being out of my control to fix until I obtained a copy of my loan that was sent to the wrong address. 
humbly XXXX XXXX XX/XX/XXXX

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