Consumer complaint received 2017-11-13
Company: Shellpoint Partners, LLC
State: MA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
This is the XXXX and last CFPB complaint regarding the mortgage for XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX which was securitized into a XXXX -- a real estate mortgage investment conduit which is a structure similar to a limited partnership wherein mortgages participating in the XXXX are subject to IRS tax regulations for income generated by the XXXX per IRS rules. 

Shellpoint Mortgage Servicing is the current mortgage servicer and assignee of either XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which are the master servicer for the mortgages in the XXXX. The XXXX is securitized under the very controversial XXXX XXXX, XXXX XXXX XXXX known as XXXX of the XXXX vintage XXXX  which has resulted in the whole consumer structured financing securities of present. It should be noted that XXXX XXXX was already TRO'ed since XXXX and yet there are activities in my mortgage billing statements that is indicative of all the undercover activities that the banks involved are conducting using the One-Month XXXX tax-free security instrument which has pay-options and negative amortization -- - or pass through. 

Shellpoint Mortgage Servicing and XXXX XXXX XXXX have both been companies I filed multiple CFPB complaints against in regards to a mortgage under my name which is used as a whole mortgage pass-through for interest and, apparently illegal pass-through of principal and dividends and other distributions under which the master XXXX ( either Class M, Class M-X or Class X, depending on the year my mortgage was used ) to benefit and make liquid other assets in the lending portfolio of XXXX XXXX XXXX and its partner investment banks which re-securitizes my mortgage. 

It is here that I manifest these claims and please expect that other avenues will be used to bring these claims to the forefront : - as a negative amortization mortgage based on the One-Month XXXX Index ( as a mortgage with monthly adjustments based on the index 12 month XXXX plus original margin of only 1.75 post-principal limit ), the payment option structure in my mortgage contract signed on XXXX XXXX XXXX is continually being exploited by the investment banks to consummate re-XXXX and passthrough principal and dividends in their other assets. 

- Shellpoint Mortgage Servicing continues to participate in this potentially high-crime cover-up by responding to my multiple request for disclosure of XXXX XXXX and providing me with the security certificate that is rightfully mine ( since my taxpayer XXXX is being used or will be used XXXX. To date, Shellpoint Mortgage Servicing continues to deny that the XXXX has paid-off the {$270000.00} money originally-borrowed in my line and continues to harass me with foreclosure notices which is the 3rd time my homestead would have been foreclosed. In its last response, Shellpoint Mortgage Servicing responded to my complaint in CFPB XXXX XXXX that they can not provide XXXX XXXX documentation because these are proprietary. 

My property is in the XXXX, my Social Security Number is attached to the IRS-liabilities of that XXXX so it can not be as proprietary as it is me who could claim it is proprietary, and it is me who can claim it is my right to have these disclosures!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation