HSBC Mortgage Services Bad Interest Rates, not allowed a refinance or Modification after 10 years of paying on time Elmhurst Illinois

To whom it may concern,  I am sending this report because I feel I was treated some find on way by this mortgage company.  My husband died in 2006,  I  have  been paying on this loan by myself for over ten years now not being last on payments or anything like that.  I called  and asked to get a loan Modification or refinance and I was told No,  they did not do that.  I think it is a shame when you have been paying on a loan for ten years and all of the money is still going to interest except for a few dollars.   I let them know my husband had died and everything is in my name now but they would not take his name off the paper.  I am responsiable for the bill and I don't like having to see my husband's name on a bill and he is deceased.  That is cold.   I am still trying to get away from these high interest rates.  They changed my mortgage over to a new company, but the rates are still high.  I would be glad if whatever you can do to try to fix this ripoff.   Thanks