In 2007 I had taken out a home equity loan in the amount {$100000.00} at a interest rate of 7+ % over a 30 year term at a {$690.00} per month payment. I still have my first mortgage, which is through the same bank, Citibank, which I am paying approximately {$1100.00} per month. I 've been trying for over a year to gain a modification from Citibank, because I am now XXXX years old, living on a fixed income. I 've suffered a XXXX over a year ago and had to let go of my second job, which limited my income drastically. My wife whose XXXX income is less than {$8000.00} per year is not able to assist me. This is my second time around in applying for a modification with Citibank, but they keep giving me the runaround, asking for the same documents repetitively. I feel they have no interest in helping me modify this mortgage. As a XXXX, I am requesting the CFPB to help me in getting this modification accomplished. 
