Consumer complaint received 2022-06-06
Company: LAND HOME FINANCIAL SERVICES
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have contacted XXXX XXXX, XXXX repeatedly over the past 6 weeks leaving voicemails and sent emails and have not received one single call back or reply. I have also contacted the lenders attorneys office over the past 4 weeks leaving voicemails requesting a return call and have not received 1 single call back either. 
I have filed a written debt dispute with this lender ( after repeatedly informing then since they purchased my loan ) that the amount is incorrect that they are claiming I owe. I also sent a letter to both XXXX XXXX and their Attorneys office on XX/XX/XXXX and XX/XX/XXXX disputing the debt and requesting a follow up in regards to this matter. Yet, 2 months later I still have not been contacted with updates in regards to this matter and all my attempts to contact them go unanswered as they have for the previous 2 years with this lending service in regards to this. 
On XX/XX/XXXX ( date of identifiable event ) a cancellation of debt was issued in the amount of {$21000.00}. But that was NEVER from the principle nor balance of the mortgage loan in question. But yet I received a debt cancellation notice from the IRS and had to pay taxes on this amount. 
In XXXX a loan adjustment agreement was entered in by both parties in which " the unpaid principle balance of {$100000.00} would be decreased by {$30000.00} for a total unpaid balance due of {$72000.00} ''. Adjustment Agreement also states " Servicer also agrees to forgive {$41000.00} '' AS WRITTEN IN THE LOAN ADJUSTMENT. Which the agreement stated in writing and notarized in this agreement " You will never be required to pay these amounts ''. The said above amounts were never deducted at all from the principle of the said mortgage nor were any behind payments fully cleared out. 
I have requested repeatedly for these errors with this mortgage be corrected and XXXX has done nothing since Day 1. 
I have also requested a loan modification to bring loan current once my account is corrected to the correct principle and balance in accordance to the loan adjustment dated XXXX. I have not heard anything back in regards to a loan modification if needed once account is corrected and I have not been contacted with options that would be provided to me. Also due to COVID hardship I did submit a hardship notice, but XXXX continued to charge me late fees, reported my account as late and delinquent to credit bureaus. They also refused to pay the homeowners insurance and taxes that are suppose to be escrowed into my payments and are included on my loan agreement date XXXX and any/all loan papers prior. They didnt pay homeowners insurance policy amd then places " forced insurance ' on my account. They failed to pay taxes during COVID hardship. I received a notice for delinquent taxes from the tax office in which school taxes were over due by 8 months and town/county were overdue by at least 4 months. I had to contact the bank repeatedly to straighten out the taxes. They also added {$20000.00} in legal fees onto my account during the COVID hardship periods allowed by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation