Loan Care Mortgage Complaint

Loan Care Mortgage department,

FHA mortgage Loan servicing, payments, escrow account Ohio

I was reviewing my payment history with Loan Care AKA - and I noticed on -/-/- that in the amount paid column there is a figure of $220000.00 when I questioned this with Loan Care they were unable to answer my question and forwarded it over to Payment investigations for review. I purchased my home in - for $180000.00 so this amount is puzzling to me as I have never seen any paperwork with this amount on it. I did go through a modification - but was never issued any disclosures. I was only provided paperwork to sign and return. I am trying to figure out what this amount is as I have never seen it anywhere before, my current balance on my mortgage is $120000.00 and my home appraised for - in -/-/- and they are still requiring me to pay Mortgage Insurance which is only if the LTV on your home is over 80 %. 80 % of - is $190000.00. I feel as though something is not right with this. I want to be treated fairly and feel I am being overcharged by having to pay MI and I also do n't understand where this figure of $220000.00 is coming from as I would NEVER agree to that. I work in the mortgage industry and am aware of how mortgages work. Can you please look into this and advise me of anything you can find out. Loan Care is unable to provide me with an explanation as to this figure. I 'm concerned that I may have been taken advantage of as the balance of my mortgage is well below 80 % LTV and I am paying MI in the amount of - per month and also what is the $220000.00 figure that is showing up. My initial loan amount was $170000.00 and the purchase price of my home was $180000.00. Please advise Thank you