My loan was sold to PennyMac, XXXX XXXX XXXX , XXXX, CA XXXX in XXXX/XXXX/2015 at this time they started calling me saying I was behind and owed XXXX. I have had XXXX phone call conversations with them over the last 3 months trying to resolve this. I have recently found out that the was charging me XXXX for flood insurance when I already had flood policy in place for 2yrs in the amount of XXXXXXXXyr, also they had my home owners at XXXX when it is XXXXXXXXyr. My taxes are XXXXXXXXyr they have me at XXXXXXXXyr. They have reported to credit bureau I am behind on payments and late? I have my canceled check stubs showing that I have made all my payments and not been late. They have my escrow account screwed up and report things to the credit bureau that are false and untrue. I would like a breakdown of my loan where the money is going, principal, escrow amounts, fees ect. 
