Product: Mortgage

The problem started on XX/XX/XXXX. The notice letter was going to XXXX, the company, at which time escrow was turned over XXXX XXXX by XXXX. The statement was said to us from by XXXX representatives to minus XXXX dollars from {$2300.00}, which put the mortgage at XXXX per month. Insurance was on the property at closing XX/XX/XXXX, ever since XXXX of XXXX, XXXX in return had reported to Credit bureau of late 30 days every month. We tried several times to solve the issue with no return calls. We contact upper management ; we send several letters to upper management to resolve the situation. But fell on deaf eyes, and we reach a lawyer XXXX of XXXX to be told " it was incorrect of XXXX representatives that only conventional loan, we could have minus out of {$630.00} of the insurance, which the lawyer stated '' And was told to start back {$2300.00}, all payment has been me. In XX/XX/XXXX, we contacted an agent of XXXX in XXXX, who arranges to send out any balance own in 6 months, we decline. We decided to make double payments. XXXX of XXXX, we double two payments, one was XXXX, and other was postal money order. XXXX of XXXX, we pay one, and we had pay in XXXX, which was XXXX from XXXX wired and the other one was instructed by XXXX  rep. To go to XXXX to send XXXX and give them a confirmation number to them. Then XX/XX/XXXX, we pay by wire, which we are current and keep getting on harassment from different agents stating in XXXX " XXXX '' and in XX/XX/XXXX we were told we own '' XXXX dollars. '' Had threating to take them to court, we can not define this property because they have seven months of derogatory on my credit and XXXX XXXX & XXXX XXXX XXXX advice at XXXX as derogatory on my credit. So, I can not refinance my house ; they called VA to report default, we noticed VA that there is no default of payments. We offer to send all payment to show that we are current. They in return told us to call the Consumer Financial Property Bureau. We had called XXXX XXXX, who said she is a manager and we had spoken with her. She asked us to email her all payments within 48 hours to call us back. She never did in 10 days and still have to respond from her. At this point, we send all payments and names and badge number, with all payments and written correspondence, with all payment toXXXXheadquarters in XXXX  XXXX, VA. Had added a signature a card to return to us that someone signed the package for us and signature card got back to us. Ten days no one had called us, we also sent the Tax Assessor that we are tax exempt, stating that we do not pay any tax for XXXX. We had noticed them, please contact XXXX Tax assessor office, and demanding to lower the mortgage because we no longer pay property tax. Constance harassment from XXXX about a default of {$11000.00}, we tried meeting of the minds Constance calls to restrict this situation again, no response. All of these things are on a recorded line by XXXX and XXXX ; we are concerned about sneaker foreclosure by XXXX. Desperate XXXX XXXX XXXX Veteran in need of advice and help and his family is worried about this predicament. All documents will be mailed to CFPB when required or will be sent to XXXX, Iowa as soon as possible or when contacted. 
Sincerely yours. Also, thank you for your help.