I originated my mortgage in 2005. In 2015 I decide...

I originated my mortgage in 2005. In 2015 I decided to refinance, I requested a 12 month payment history along with dropping my PMI coverage. That was in November of 2015 today is April 14, 2016, I cannot close on the proposed loan because as of today neither request has been honored. There is no accountability at this corporation, customer service is abysmal.

I had my attorney forward the request to PHH and the results are the same. The research department that should have acted on the request does not exist. If this is your only option WALK AWAY FROM THE TABLE.