We are contacting the CFPB as we have attempted for over 5 years to obtain a loan modification and have been denied over and over again. We are not asking for a lower payment and even expressed we could handle an increased payment. We only want to keep this home we purchased XX/XX/XXXX which our family loves and needs so much. The investor is XXXX XXXX so the rate can not be reduced under the streamline program due to being under 80 % LTV. We did n't qualify for XXXX because our ratio was at 29 % and needed to be over 31 %. Now, XXXX lost her XXXX position due to cut backs and we are only receiving income for XXXX. His income is {$7000.00} a month. We were just denied again because the ratio is still under 31 % which is not true. We received a letter from CitiMortgage dated XX/XX/XXXX showing our payment increased from {$1800.00} to {$2300.00} as of XX/XX/XXXX which would make out ratio 33.2 %. We explained this to the CitiMortgage representative and she stated that new payment is not what is in their system so the denial stands. I explained we faxed her the CitiMortgage letter and said it does not matter. Well, it matters to us. We need this home our rate has been 6.375 % since origination and this loan has never been modified. 
