Consumer complaint received 2023-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: WV

Complaint narrative:
XX/XX/XXXX mr cooper shows record of new loan no cash with a balance of XXXX many questionable transactions to date. 
XX/XX/XXXX payment show XXXX principal XXXX interest XXXX escrow XXXX XXXX XXXX escrow balance was XXXX XX/XX/XXXX hazard ins was paid XXXX escrow balance was XXXX ( multiple escrow payments and advances and adjustments from XX/XX/XXXX through date that are incorrect. XXXX balance escrow as XXXX XX/XX/XXXX escrow was credited XXXX leaving bal in escrow XXXX a debit on XX/XX/XXXX says disbursed tax county XXXX leaving XXXX balance XX/XX/XXXX credit and debit of XXXX for county tax but balance stays XXXX I lost job during covid was laid off and was suffering from XXXX  XXXX and XXXX. 
During the time I was off and was not able to make payments, I was harassed by mortgage company regarding foreclosure, I attempted to make contact as much as I could regarding this matter, pleaded with mr. cooper to help me and allow a forbearance that I was reading and hearing about to save my custom family built home. This was very overwhelming and I am still suffering undue stress and anxiety to date regarding. XX/XX/XXXX there were a couple payments made then I thought I was receiving a forbearance as discussed and payments were reduced which my understanding was I would be temp relived from these but that never happened.XXXX and XX/XX/XXXX payments made show in unapplied section on pmt history .I was mailed a signature page to sign which I thought was forbearance now I am told it was modification but we did not discuss modification only forbearance. I believe it was the month after I was told to make forbearance pmts that my account shows modification and I cant understand how that can happen no person ever discussed that and with the stress i was under loosing my family custom built home on the land my deceased father left me, was unbearable. I was willing to do what ever I needed to save my home on family land. I received letters and or calls weekly from and about mortgage to the point of XXXX XXXX and loss of sleep and deep XXXX, I am still struggling with. There are many things in between all this that does not make sense and does not add up. 
my balance was XXXX XX/XX/XXXX each pmt that was actually applied took almost double the interest than principal, as of XX/XX/XXXX mr cooper showed payoff no cash out transaction total amount of XXXX i have a letter dated XX/XX/XXXX showing a servicing transfer to XXXX XXXX XXXX with current unpaid balance being stated as XXXX I also have another letter dated XX/XX/XXXX from XXXX that I owe XXXX I have had someone look over this information and help me compile this info this far, however she nor I am able to fully make sense of what they have done. I have conflicting documents and thought I was in a forbearance which they are saying is a modification which I would never have agreed to the terms of. I have document that were requested that normal initials should be on the bottom of each page and there are none, but my signature is on the last page. I have requested they not call me due to the amount of permanent damage mentally and emotionally with the letters and phone calls multiple times per week. Which they have not adhered to. I am seeking justice in the wrong doing of Mr. Cooper and XXXX XXXX XXXX for taking advantage of a consumer during a recession, state of emergency, and national crisis. I made payments to catch up on past due which does not show a reduction in loan there is a payment of XXXX and they still show my balance increased. I am prepared to file complaints with every state and federal agency available and will be seeking legal consul if needed in this matter. I have tried to touch on the things, but know i have left out details I am sure you may need. I am gathering phone records, bank statements recordings, and mailings for supporting documents in this matter. I have been harassed, taken advantage of my lack of financial knowledge on the matter, and pressured to the point of XXXX XXXX. This is a violation of federal consumer rights under different codes, and is why I seek your help in this matter.

Company response to consumer: Closed with explanation