Consumer complaint received 2017-06-22
Company: Shellpoint Partners, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am trying to get my loan modified and Shellpoint has been asking for documents from me continually but refuses to cancel my sale date of XX/XX/XXXX.
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The requests being made daily are an attempt to keep me from having a " complete package '' and therefore, can not cancel my sale date.
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Since XX/XX/XXXX I started again with another " updated packet '' with their " lists '' of request to which I have always promptly submitted back only to have this process dragged out with a sale date pending.
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My compliant is that I am calling in on a daily basis to get the sale date cancelled only to be confronted with more ridiculous requests along with the fact that they take so long that my documents need to be updated, which I should not be penalized as not having documents in if they drag it out too long, but they have.
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For example, I have given Shellpoint Profit and Loss Statements for months now, and 3 times since XX/XX/XXXX only to be told today that they want me to subtract the Income from the Expenses and put totals under " net '', which they have always asked me not to in the past. They asked me to " write the date '' next to my signature even though the date was clearly typed at the top of an explanation letter to begin with. They have added requests before even looking at the documents I have sent in, then stating I have an incomplete file but after speaking to a representative can locate the documents by date and resolve most " incomplete '' issues, ( but its up to me to figure it out not Shellpoint ). The new " made up requests '' are impossible to guess and keep fulfilling. They wanted me to add XX/XX/XXXX to the XXXX form and then stated I put XX/XX/XXXX when in fact the XXXX was the line between the XX/XX/XXXX! Anything to allow them not to cancel the sale date which has gotten me so upset that I am filing a complaint.
I do not trust them and feel that their complete incompetence is setting me up to lose my home on XX/XX/XXXX. If I can not get them to accept my documents as " complete '' soon they will then deny me stating that I did n't get my documents in within 37 days before the sale date so I am very concerned. What are the " required documents '' that I need to have in to them that would qualify as a complete package, as they have had literally months and months of documents given to them but are never satisfied.
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Here is my basic package of what I have given them, many times over. But their added requests continue, plus change daily, plus expire as they take too long to process as completed, which is out of my control. They are DUAL TRACKING as I am trying to comply with all of their requests but I can not seem to ever arrive at a complete packet!
RMA XXXX DODD FRANK FORMS Household Expenses Hardship Letter Profit and Loss Statements Bank Statements ( personal, business checking and savings ) with the last one always well within 90 days current, with rental income circled, itemized, signed, dated, etc Mortgage statements Leases Letters of Explanation from HOA Fees, to rental deposits over {$1000.00}, to business income loss etc Taxes XXXX  and XXXX My Social Security Award Letter for XXXX

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