Consumer complaint received 2020-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
im not sure how you plan to get anything addressed without my personal information but i'm going to try this again. i have been fighting with XXXX , XXXX/XXXX  since early XXXX when they began to refuse taking payments on my acct. they have sent me documents with knowingly false information regarding my attempts to clear up their problem. when it was reported to them that theu made statementsn that were false and which they used to deny loan mods 6 times as well as appeals 6 times that they say i applied for but did not. they have refused to supply copies of documents they say i sent and later admitted they did not have them but say they did nothing wrong. they never supplied a continuos contact and i was forced to tell my story to countless people over and over. they had me cancel a bankruptcy and denied me again. they have lied, stalled and done everything they could to foreclose my property. i have reported all of this to XXXX XXXX and have been met with more of the same if not worse treatment. they claim to have looked into and found nothing fraudulant. i have been lied to, hung up on and refused any recourse when it is obvious they have both broken federal laws. in XX/XX/XXXX they all wanted this to go away so they transferred me to sps to serve as the new acct servicer. i was immediately receiving the same type of letters with false information regarding apllication documents. we entered a written agreement that i would be considered for all avenues to modify my loan and no further foreclosure activity would be pursued while i gathered the documents they requested to be due in by XX/XX/XXXX. i had everything they asked for in by then on time. on XX/XX/XXXX a rep call and asked for more information which i did provide and she mistakenly revealed that they had been pursueing a sale date although there was an agreement in place that it was not to happen and secured a sale date of XX/XX/XXXX. i then advised that they were dual tracking which she did not deny and they quickly had that cancelled. the forclosure atty, sent notice that i had a payoff of some XXXX which is XXXX higher than sps has said. i have reported all these infractions to everyone involved to no avail and they choose to ignore any wrongdoing. i have been harmed in every conceivable way from my credit being destroyed, mentally, financially and physically my life and marriage of 36 years is in shambles from the stress we have been put through. cfpb did nothing in the past with XXXX   violations and the torture has continued. i would have thought that a consumer financial protection agency would protect the actual consumer at some point so here i am once again seeking protection and to be made whole from all that we have endured. i have written and recorded evidence to back up everything i have said and am ready to produce it anytime.

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