PHH needs to be investigated because they have hurt hundreds of people. I pay my mortgage. When I first got my home I paid $1052 since then my payment went down to $1012.70 due to my taxes going down. Now all of a sudden my payment is jacked up to $1049. How is that possible? My mortgage insurance went up but my taxes went down almost $200. Then on top of that they say my escrow is $210 short, but no one can explain why. They sound programmed when you ask why. How can that be possible when they take out the money for escrow monthly. Even with my insurance going up and them having to pay the difference out of the escrow, the taxes went down almost 3x's the amount the insurance went up, so there still shouldn't be a shortage. I've been in the home for over 3 years and my mortage has been lower than $1052 for the last two years. They are cheating me (trying too). I read up on them and I saw thousands of complaints. Why is the company still in business? I need help.