Consumer complaint received 2016-05-19
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (TX)

My current mortgage servicer Caliber Home Loans has been giving me the run around a will not allow me a loan modification. My loan got behind when I was injured thee oilfield with XXXX XXXX XXXX. After the XXXX I was told by the XXXX I would need to change my field of work as I would no longer be able to go back to my previous job. After XXXX and XXXX, I was declared fully XXXX. I has to go to school to be retrained in another field of work. During all this time I got behind on my mortgage and I has applied for a loan modification as I was living on a fixed income, the mortgage company was XXXX at this time and I was denied a modification each time I applied. They attempted foreclosure and I filed for bankruptcy. During the process of bankruptcy found out that XXXX had place force placed insurance onto my mortgage and they were given proof of insurance but they refuse to remove the charges. the attempt to file foreclosure went on for many years until the loan was sold to Caliber Home loans. I received a letter from Caliber home loans to inform me they had acquired the loan, a week later I received a letter with a date for foreclosure. I have filed numerous loan modifications with a denial as the results and I 'm still XXXX. I can no longer fine for bankruptcy, have not been successful in locating a Civil Suit attorney. I took my loan to a local Mortgage Broker to see if they could refinance for me. They were appalled at what they saw on my paperwork. They informed me the loan had been set up wrong, there was a interest rate on a medium credit score, there was an adjustable rate plan and they have me at a locked rate, they also reviewed the insurance information of the declaration pages. They informed me that from what they could see I had been targeted and racially discriminated against and take advantage of from the moment the loan was created. According the Broker what has taken place with me has happened to me has taken place before back XX/XX/XXXX involving numerous of families worldwide by XXXX and Caliber Home Loans was a company under the umbrella of XXXX. They reviewed the information requested by me, it was a breakdown of the charges and they could not figure out what all the unapplied or misc. fees were and this is what I wanted the break down for to determine what the charges were. I 've contacted XXXX numerous and you re only able to speak to a representative that answers the phone and each time it 's someone different and it 's a different story each time you try to get information. They are constantly attempting to foreclose on me however they have a foreclosure from XX/XX/XXXX they use in order to avoid going through the motions each time. I keep applying for a medication and they still deny. The mortgage broker states there are so many inconsistencies and charges and problems with the loan that I needed to file a complaint so that this could be looked into closer. I want to keep my home and will do whatever it takes, but when I purchased the home it was a {$120000.00} and now they have the payoff at {$200000.00} and the mortgage broker along with myself feel this is impossible even though there are missed payments. XXXX is a predatory lender and they will not refinance, modify as they see the equity in the home and all they want is the home. Please could someone look into this for all the discrepancies, I feel I deserve the change to keep my home, I ask for your help.