Consumer complaint received 2017-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: AZ

Complaint narrative:
Sub-servicer Bayview Loan Servicing and Master Servicer XXXX XXXX XXXX has discriminated against us by denying us a HAMP Modification based on one or more of the following : race, color, national origin, religion, sex, familial status or disability, handicap. Sub-Servicer Bayview Loan Servicing and Master Servicer XXXX XXXX XXXX has discriminated against us by denying our Hamp Modification and intentionally committing the following violations : Refuse to negotiate for housing/Hamp Modification/Modification Set different terms, conditions or privileges for sale or rental of a dwelling Falsely deny that housing is available for inspection, sale, or rental Refuse to make a mortgage loan/Hamp Modification/ Refuse to provide information regarding loans/Hamp Modification/Modification Impose different terms or conditions on a loan, such as different interest rates, points, or fees Discriminate in appraising property Refuse to purchase a loan or Set different terms or conditions for purchasing a loan. preparing, executing, notarizing, and presenting false and misleading documents, filing false and misleading documents with courts and government agencies, or otherwise using false or misleading documents as part of the foreclosure process ( including, but not limited to, affidavits, declarations, certifications, substitutions of trustees, and assignments ) ; and preparing, executing, notarizing, and filing affidavits in foreclosure proceedings, whose affiants lacked personal knowledge of the assertions in the affidavits and did not review any information or documentation to verify the assertions in such affidavits. This practice of repeated false attestation of information in affidavits is popularly known as robosigning. In Addition : XXXX XXXX XXXX has done the following to us : Threaten, coerce, intimidate or interfere with anyone exercising a fair housing right or assisting others who exercise that right Advertise or make any statement that indicates a limitation or preference based on race, color, national origin, religion, sex,  familial status, or handicap. This prohibition against discriminatory advertising applies to single-family and owner-occupied housing that is otherwise exempt from the Fair Housing Act. Aproximately XXXX to XXXX, we have filed numerous HAMP Modification Packages with Master Servicer XXXX XXXX XXXX and Subservicer Bayview Loan Servicing Although, XXXX only excepted full Hamp Modification Package request, XXXX XXXX XXXX sent numerous Hamp Modification denials after we submitted full Hamp Modification Packages. Moreover, XXXX had already evaluated the Hamp Modification Package and prequalified us before submitting the Hamp Package through XXXX XXXX XXXX. XXXX became so frustrated with XXXX XXXX XXXX denying the Hamp modification packages that XXXX filed a complaint with the Consumer Financial Protection Bureau on our behalf. Approximately between XXXX and XXXX, Master Servicer XXXX XXXX XXXX and sub servicer Bayview Loan Servicing denied us for a HAMP modification packages due to the following : Incomplete paperwork, Due to our income being from XXXX, XXXX XXXX XXXX Placing themselves on the permanent inhouse modification package as the lender and XXXX XXXX XXXX was never the lender, XXXX XXXX XXXX was the lender and had gone Bankrupt therefore, XXXX XXXX XXXX placed itself as lender on a loan that XXXX XXXX XXXX never financed, and was never the Note Holder or the Deed Holder. XXXX XXXX XXXX filed fraudulent documents with State government agencies, with federal government agencies, Secretary of State in Arizona, Consumer Financial protection bureau, and through the United States Postal Service.

Company response to consumer: Closed with explanation