I closed a loan with the Bank of America in XX/XX/XXXX to purchase a home in the City of XXXX, MD. The title, Deed, Deed of Trust, and Deed of Trust Note were notrecorded with XXXX XXXX by the title company, so the title is not in my name. I did not purchase title insurance for myself, but I bought title insurance for Bank of America, the lender, when I bought the house. The title company went bankrupt at least 5 years ago. 
Bank of America required an escrow on this loan, that is to pay taxes, insurance and the payment on the loan. 
The problem is that I rented this home to a family and they stopped paying two years ago. When I attempted to have them evicted, I found that I could not, because the title is not in my name, but in the name of the seller. 
I notified Bank of America that the title was not in my name in XX/XX/XXXX. Nothing happened. I sent Bank of America a QWR noting that they were taking my mortgage escrow payments and paying for a home that is not in my name. 

Bank of America should have known this since they were annually updating the taxes to be paid. They would ordinarily check to see if the home ( their security ) is in the borrower 's name. Apparently Bank of America did not. 
I contacted CFPB XX/XX/XXXX. This is Case number : XXXX. 
I believed that you closed this case or deferred it because Bank of America told you that it is in litigation with me over this matter. I am now not in any litigation over this matter. I wanted Bank of America to provide me some financial reduction in the loan because of the losses that I incurred due to not being able to earn any income on the property. I must pay {$1500.00} a month on the loan, but have no income. Bank of America refused. So I signed the document to replace the lost documents in order to record the home in my name. So I have no litigation with Bank of America concerning this loan. 

However, as of today, the home has still not been transferred under to my name. Bank of America is taking my money, and has no incentive to finish the process of placing the home in my name, so that I can manage the home. 

I am current with the mortgage note, because I do not want to have bad credit. Bank of America is taking financial advantage of me. They wo n't place the home in my name. The attorney that the title insurance company hired to represent Bank of American is acting slowly. Bank of America wo n't reduce the debt ( the value of the home is now {$100000.00} and the debt is {$210000.00}, the home is in a declining area ), and Bank of America wo n't even let me refinance under HARP to reduce the interest rate from 7.5 % -- because the home is not in my name. 
This can not be a publicly acceptable response by Bank of America on one of its mortgage loans. 
