Consumer complaint received 2022-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HABITAT FOR HUMANITY INTERNATIONAL, INC.
State: TN

Complaint narrative:
I'm with Habitat for Humanity XXXX XXXX Tn. They have threaten to start foreclosure procedures on my house on XXXX of XXXX. This is how we got here. I made XXXX XXXX XXXX release from the bank XX/XX/XXXX. They were putting things on my credit I already paid, they were charging me escrow shortage charges every yr. Even though taxes or insurance hadn't went up. Then I found were they added money to my mortgage loan when I started asking questions about my escrow ( didn't find out thru them I found it on my credit ) After I was released from the XXXX the director of Habitat for Humanity XXXX XXXX XXXX said she would find me another loan servicer and not to discuss my loan/ mortgage information with any other homeowner next time. Well I never received another loan servicer and ever since then I have been paying habitat for humanity. About 3 months ago I sent certified letter to XXXX XXXX for her to produce a ledger of what I've been paying and a copy of my mortgage documents. She sent the ledger but can't produce my mortgage documents. She gave me as my mortgage documents 2 deeds onXXXX saying I own the house and another deed. A promissory note and little more things but definitely not the documents I signed at closing. When we closed on our house we didn't get a chance to read anything they basically had pages marked for us to sign and told us what we were signing cause I definitely would've asked why the deed showed I already own the house. Now presently my loan is no longer on my credit and shows paid off with XXXX XXXX XXXX not written off. Everyone knows Trump and Biden put in place programs to stop the foreclosure on people 's home. I was out of work in XXXX and needed the assistance. Well in order to get the assistance you have to have a loan servicer. So habitat wanted me to falsify documents about them being my loan servicer in order to get the assistance and I'm not willing to do that. XXXX XXXX asked me if I had problems filling out the XXXX Mortgage Assistance application I told her yes the loan servicer part. Another lady who works with the habitat told me to call her and she would tell me what to put in. I told her if they were really my loan servicer I would know what to put in and no one would have to tell me. XXXX XXXX said she would have to give board over the habitat something that shows I applied if not she would start foreclosure procedures. I told her start them because I was not going to falsify documents. Btw the letter I received from the attorney has I have been in default since XX/XX/XXXX till XXXX XXXX when actually I've on been in default is XXXX and have the receipts to prove it. Everything I have have said I can back up with documents screenshots and emails. Haven't spoke with XXXX XXXX over the phone in almost 2 years all emailing.

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