U.S. Bancorp Mortgage Complaint

U.S. Bancorp Mortgage department,

FHA mortgage Loan servicing, payments, escrow account Montana

We have a mortgage loan through US Bank. We had mortgage insurance on our loan and it was taken off earlier in the year because we had paid our loan low enough for it to be taken off. It was off for a couple of months and now I noticed it was back on there and we have been paying for it for months now. Now they are saying I am short on my escrow account. Is this any type of fraud? Also when we got our loan we had our property appraised and it appraised at a price we would not need mortgage insurance well they came back at us and said FHA requires - appraisals. When we received our - appraisal it was - dollars lower than the - appraisal. They told us they had to take the lower appraisal and we were going to be charged mortgage insurance and we back out now we would be charged thousands of dollars. Please email me back. Thank you for your time I really appreciate it.