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None. I have contacted Mr. Cooper on several occassions. They are holding almost double the oustanding balance of the loan and have cost me substantially because I didn't have the money to pay a deposit for repairs. XXXX XXXX Loan Number XXXX Balance approximately {$72000.00} Holding insurance amount over {$120000.00} They will not send documentation as to what provision allows them to hold this money, they will not respond with written correspondence and they will not release the amount over the XXXX What law governs this as I would like to pursue legal action pro se. I also want to formally file a complaint here against Mr. Cooper. They have also charged me late fees that were not late in the past.