Citifinancial Denied loan modification Irving Texas

I have taken a personal loan some years ago. I was making payments on this loan until in 2011 where it was becoming harder to make payments on this loan. With the economy shifting down and then my wife was diagnose with colon cancer. Commuting was becoming exspensive to and from work mortgage payments utilities food medical bills. Now during that year I  can't remember if I called the leanding institution concerning our financial situation.

In the month of June 2015 I received a letter from a debt collectin agency with a wrong loan account number their client Citifinancial LLC (DE). Immediately I contacted the Consumer Financial Protection Agency informing this debt collection agency trying to colllect on an account with the wrong account number. The CFPB assigned me a case number in which they sent this collection agency a copy of my complaint to determine if they violated any financial laws.

I then send the collection agency a letter informing them of my sititution in which I requested for hardship forms and that my Social Security and VA pensions are Federally Protected including a budget letter for the month of July 2015. It seems that the collection agency returned the debt to their clients. All I have been receiving letters from Citifinancial to make payments in which states that I don't qualify for a loan modification. A consumer must first apply for a loan modification or forgiveness on a loan to determine if they qualify or not. They won't even consider to send me any forms for hardship or forgiveness form to determine if I qualify. 

I have read on the internet that there are mortgage modifications and student loan forgiveness but not personal loans. Right now my only source of income is my Social Security and VA pension.