U.S. Bank Home Mortgage has made it extremely difficult to allow me to get caught up on a few missed payments for my mortgage. U.S. Bank Home Mortgage has committed dual tracking, in violation of the CFPB rules. U.S. Bank Home Mortgage has drawn out the loss mitigation process while at the same time filing for foreclosure in New Mexico 's XXXX Judicial District Court. To date the process of getting a loan modification has taken XXXX months. During this time they have made it extremely difficult to get a loan modification by requesting additional documentation for a loss mitigation packet that was not initially asked for. When complete documentation ( pay stubs, child support, etc. ) was sent in, I was told that next month that they needed something in addition to, plus the previous documentation. 
U.S. Bank acknowledged in a letter dated XXXX/XXXX/2014 that they had a facially complete application for loss mitigation, but still filed a foreclosure proceeding. I was in court yesterday for a scheduling conference for the Foreclosure and presented a letter from U.S. Bank proving that I had finished the trial payment plan and that a loan modification was in process. The Judge ordered a XXXX day stay of the proceedings so the loan modification paperwork could be finalized. 
Unfortunately, I have spent a lot of time and money defending this foreclosure in court. This also has been very XXXX on me and my family because of the worry about losing our home. 
