Consumer complaint received 2018-05-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: IL

Complaint narrative:
We purchased this house in XXXX of XXXX, our mortgage was {$2200.00}. We were just excited to own our own home. about a year in we refinanced the mortgage with a interest rate of 4.25, to 3.875 and our mortgage was decreased to {$2000.00}. We were making our payments on time no  problems. My husband XXXX was let go from work XX/XX/XXXX XX/XX/XXXX, our income changed drastically he was making close to 1,200 weekly. I called the mortgage company to inform them, they sent out paper work to get a modification started. I sent in all required documents they kept sending them back for small things, then other forms start to expire I would have to re send everything again this went on for about 1 year I contacted someone from HUD to help the first office was of no help. XXXX started working another job but their was a lost of income, I was only working part time in school full time. XXXX was injured at work XX/XX/XXXX XX/XX/XXXX he was off for almost a month putting us behind in all bills again. we received a foreclosure letter from XXXX XXXX with a date of XX/XX/XXXX XX/XX/XXXX to sell our property so, we meet with attorney XXXX XXXX and started the chap XXXX   process to save our home at this time we were behind XXXX dollars XXXX tried to appeal this and not accept it. They eventually did after a few court dates. After all the late fees, other fees and attorney fees from XXXX our mortgage was past 32,000 they added on so many fees. They gave us a mortgage of {$2200.00} not what we were paying before, XXXX gave us the runaround about who to make payments to we were making our old payment of XXXX first, no one informed us that it increased. 3-4 months later I started working with South suburban HUD who helped me get approved for XXXX  XXXX XXXX. XXXX XXXX XXXX  call XXXX to make a payment it was rejected because XXXX said our balance was XXXX. XXXX XXXX XXXX has a max balance of XXXX. The HUD rep called me and stated to call my bankruptcy attorney to have them write a letter to accept the XXXX and put the remaining on the back end and proceed with a loan modification. Well my attorney sad they wouldn't be able to do it because their just bankruptcy attorneys and go to court for us. So XXXX XXXX XXXX denied us. We continued to make payments of XXXX plus our chap XXXX  payment of XXXX we have our cars on the bankruptcy as well. The bankruptcy attorney recommended us to XXXX XXXX who share a office with them. he said he could help us get a loan modification we paid him {$750.00} in XX/XX/XXXX XX/XX/XXXX. He told me to work with HUD again to apply for XXXX XXXX XXXX once again I gathered all the paperwork for XXXX   XXXX XXXX, we were accepted again and once again XXXX denied the payment because it was on XXXX and they wanted more. I contacted XXXX to let him know he said it takes 30 days to get a response form them. He finally started working on our casel in XX/XX/XXXX XX/XX/XXXX. XXXX XXXX XXXX is not an option for us at this time due to me working full time now. I have submitted all the required paperwork several times to XXXX office so he can send it to XXXX and told to wait 30 days for a review, just to wait 3 weeks and find out we need another form or a date was missing. I just recently updated another hardship form with XXXX now were going on week 3 and his assistant called to say we need more of a timeline on the hardship form when we provided dates already, It has been a hard journey of circles and I'm getting no where. I'm trying to save my property and XXXX is not working with me and I have been working with them nonstop for 3 years now providing all the paperwork they ask for. Please help me.

Company response to consumer: Closed with explanation