Consumer complaint received 2024-10-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Bellow is the complaint filed with XXXX XXXX on XX/XX/XXXX and was suppose to get response in 7/10 days. Its now over one month I have not received the information as promised. Entire exhibits has been provide to Shellpoint and I am not including with complaint. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Email : XXXX Shellpoint Mortgage Loan No XXXX DISPUTE OF PRINCIPAL BALANCE AND INTEREST This is my official dispute correct the principal balance on the account principal balance of {$60.00}, XXXX is not correct principal balance. 
Interest calculated for {$2300.00} is too excessive for 3 months, XXXX had loan since XX/XX/XXXX and XX/XX/XXXX they only charging me {$490.00} interest. 
Correct principal balance should be {$38000.00}. 
REASONS : 1. XXXX took out or applied {$17000.00} from the payment of {$60.00}, XXXX made in XX/XX/XXXX to escrow account. XXXX and stated to CFPB complaint they only collected {$1.00}, XXXX. Mortgage statement date XX/XX/XXXX attached states {$17000.00} was applied escrow account of {$60000.00}. See XX/XX/XXXX statement. 
XXXX reported to IRS tax paid was {$3200.00} therefore {$15000.00} escrow over charged and not reported to IRS. Its violation of federal law not to report correct tax. 
XXXX was transferred to XXXX on XX/XX/XXXX only information reported on the tax form XXXX is box 1 to 11. 
a. 1098 property tax for XXXX reported to IRS is {$3200.00} XXXX. XXXX property for XXXX reported to IRS is {$3200.00} XXXX For XXXX {$3300.00} XXXX XXXX IRS HAS BEEN REPORTED FOR {>= $1,000,000} AND AS LICENSED TAX XXXX XXXX XXXX CAN ONLY BE USED XXXX YOU CAN NOT CHANGE THIS 2. Public nuisance that was billed through back door by city is not property tax bill or escrow related charges. 
d. In XXXX tax bill had {$3.00}, XXXX public nuisance e. In XXXX tax bill had {$2600.00} XXXX. XXXX attorney XXXX XXXX email received Court has XXXX records so this must be removed as well. Attached email stated how many times county has tell me they have no records and yet I have pay for this. 
4. As XXXX XXXX states contractual agreement states my obligation to pay my obligation to is principal and interest and thats written contract does not escrow. 
5. Therefore, I am requesting to remove escrow account or amount from loan modification, and I want only pay principal and interest as stated on the loan. 
6. I am only willing to pay principal and interest no property tax, escrow account at all. 
Now that I have filed official dispute under FDCA1692g ( b ) XXXX XXXX can only collected undisputed amount until records are provided in response my dispute. 
Any late fee or other should be removed or should be billed for the matter of facts I have been asking records since XX/XX/XXXX. 

Dated : XX/XX/XXXX s/s XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation