Consumer complaint received 2022-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Southwest Stage Funding
State: SC

Complaint narrative:
I never receive transfer of notice from XXXX XXXX. Isn't possible that XXXX XXXX can make up a transfer of notice letter and date the letter like it was the original transfer of notice copy letter and send it out claiming they sent the transfer of notice out to me, to cover up for XXXX XXXX not sending it out like they were supposed done in the first place by law? How can XXXX XXXX actually prove that the transfer of notice showing is the original documents sent out on XX/XX/XXXX, to me? It is now 4 years later, and I have been complaining to XXXX XXXX since XX/XX/XXXX that I never received the transfer of notice from them. And I haven't heard nothing from XXXX XXXX about foreclosure process until after I recently sent a complaint letter to XXXX XXXX on XX/XX/XXXX, about all the issues that I had with the way XXXX XXXX was handling my mortgage loan and being unprofessional with me by not returning my phone calls, by misleading me on helping me straighten out my mortgage when I wasn't but a few payments be hide. And misleading me when XXXX XXXX sent me and told me they were going to do a loan modification on XX/XX/XXXX, on me but never did so. And not letting me know the outcome of the loan modification as of today XX/XX/XXXX. And I told XXXX XXXX that if they wouldn't straighten out my mortgage with me that I will have no choice but to take legal action out on XXXX XXXX. Now all of a sudden, XXXX XXXX is going to send out the transfer of notice after I been complaining about it since XX/XX/XXXX. Doesn't that seem a little fishy to y'all? The complaint that I sent to XXXX XXXX is the same complaint letter that I sent to cfpb COMPLAINT ID XXXX on XX/XX/XXXX. I been trying to work my mortgage out with XXXX XXXX since they took over my mortgage. And I have file complaint out with cfpb about XXXX XXXX since XX/XX/XXXX COMPLAINT ID XXXX. They claim the original foreclosure proceedings was in XXXX. When in fact it was XX/XX/XXXX, not XXXX. I'm telling you something is not right with this mortgage company. If you go online and read the complaints reviews from other customers of XXXX XXXX, you will see customers simile complaining about the same issues I am experiencing with XXXX XXXX. Please help me, something is not legit with this mortgage company. I'm XXXX XXXX XXXX been here in my place since XX/XX/XXXX. XXXX XXXX have ruined my credit and trying to ruin my life. I will never be able to get another home to own and I will never be able to even Reat a home in today 's world with everybody checking your credit now these days. If I get foreclosed on, I will end up being homeless when I have done everything, I possibly could do with XXXX XXXX to work my mortgage out. I have done the right things, but XXXX XXXX have not XXXX time try to help me get my mortgage loan back on track even when I wasn't, but a few payments behind. I have recorded conversations that I made clear to the XXXX XXXX representative that I was talking to that I was recording. Exactly like the law requires. I have documents. I shouldn't have to be forced to hire an attorney and pay money out over XXXX XXXX not doing their job and trying to take my home and land away from me when they could've help me without trying to make me pay an amount every month that's not reasonable to any customer. Example I pay XXXX a month. But at one point XXXX XXXX wanted me to pay over {$1500.00} hundred dollars a month for 6 months to catch up my loan, when they knew how hard that would have been on me. Please help me! cfpb needs to really investigate this mortage company. What they're doing is wrong and they know it's wrong.

Company response to consumer: Closed with explanation