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None. I successfully completed, signed and notarized a loan modification with Shellpoint Mortgage in XX/XX/XXXX. In XX/XX/XXXX the loan was transferred to another servicer, XXXX XXXX XXXX. As XX/XX/XXXX my modification has not been completed. My loan is in limbo and I have been making payments that are not credited to my loan. I call both companies and everyday. XXXX told me today XX/XX/XXXX that they can not get the terms of the loan to match the terms that Shellpoint sent. XXXX says Shellpoint is not responding, Shellpoint says XXXX has everything they need. Originally, I was told that in order to start the trial modification I would need to pay {$10000.00} prior to the first payment in XX/XX/XXXX. In XX/XX/XXXX I expressed my concern about paying {$10000.00} essentially a down payme