Consumer complaint received 2022-03-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc. (SC)

In XXXX, I purchased land which was about a year before building my home on it. Unbeknownst to me, my property taxes were based on only the land even after the house was finished. After living in my home for XXXX years and paying my mortgage, the payment jumped about {$1500.00} per month due to the required extra escrow. My property taxes went from $ XXXX to $ XXXX. So, I was paying for the current year and the next year with my escrow payment which I could not afford. My loan and deed were solely in my name. 
In XX/XX/XXXX, I reached out to XXXX XXXX XXXX  for a loan modification, submitted a loan modification application, and started their 3-month trial program in XX/XX/XXXX. I made the required payments of {$21000.00} but my loan was not modified. The trial ended in XX/XX/XXXX, and my father passed away that month. I didn't follow up with XXXX XXXX XXXX  until XXXX XXXX because that's when they returned my XX/XX/XXXX payment and charged me an insufficient funds fee, but that wasn't the issue. When I called, I was told that I could not get a loan modification because I had a tax lien on my property. After researching, I found that the XXXX had a tax lien attached to my property for a woman with the same name as my mother who lived in a different city. After explaining the issue and getting the XXXX to correct the issue, I followed up with the bank. They would not continue with my loan modification. So, I requested a forbearance to work on lowering my property taxes. 
In XX/XX/XXXX, I complete the loan modification paperwork again and started another 3-month trial. I made all XXXX payments of XXXX. The last payment was made before it was due in XXXX. I called to make sure that wouldn't be an issue as I would be traveling for business at the end of the month and didn't want a late payment. I was assured this wouldn't be an issue. XXXX XXXX I call the bank to see the status of my loan modification and was told things were slow, but they had my information. I was told to continue paying the same amount as I was making during the trial period. 
XX/XX/XXXX and XX/XX/XXXX go by, and I do not hear anything from XXXX XXXX XXXX  about my loan modification. I check the loan servicing center online and they have sent me yet another loan modification application in XX/XX/XXXX. I call the loan modification center and was informed that I didn't make my XX/XX/XXXX payment. Then, they see that it was made in XXXX and apologized for the oversight. I was assured they would take care of the matter and a supervisor would call me. No one has called me. My loan hasn't been modified. 
Also, they have not updated my credit report to reflect that I've been making payments over the past few years except during the forbearance. The incorrect reporting is preventing me from refinancing my loan with another bank as I can not seem to get my loan refinanced. I'm also missing an opportunity to take advantage of lower interest rates. In addition to the trial payments, I also made XXXX payments to my escrow account ( {$3700.00} and {$2000.00} ) I do not know what else I can do to get the bank to finalize the loan modification and update my credit history.