Mortgage -- Incorrect information on your report -- Complaint #6049985
Complaint Overview
Complaint ID: 6049985
Company: Ocwen Financial Corporation
Product: Mortgage
Sub-Product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: Mississippi
ZIP Code: 38632
Date Received: 2022-10-04T12:00:00-05:00
Date Sent to Company: 2022-10-04T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Hello. After speaking to multiple PHH representatives & relaying my issue to them ; the matter got out of control & all mixed up. I spoke the following representatives ( all calls are recorded ) : Spoke to others but misplaced their information & communication notes, because of driving. XXXX- XX/XX/XXXX. Rejected the modification to increase my payments when I am going through a financial situation. Requested to keep current mortgage payment note of {$1800.00} & not over {$2200.00}. Requested to be taken out of forbearance. XXXX said this would not negatively affect my credit. XXXX XX/XX/XXXX. Checking on status of letter. XXXX XX/XX/XXXX. Regarding payment made for $ XXXX. Requested letter stating, I am not in forbearance. XXXX XXXX XXXX. XX/XX/XXXX ( Asked to speak to supervisor, not the 1st. Told he/she would call me back with 24/48 hours ) However, she spoke to her supervisor XXXX, he said he would write the letter & email it to me. It was emailed to me, but wasn't on a letterhead & unacceptable by bank trying to verify if I am in forbearance or not. XX/XX/XXXX- XXXX agent id : XXXX XXXX. Informing PHH ( mshomesaver plus ) is sending the validation request ... has been sent to the servicer 2. Modification request is canceled XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. About negative credit reporting after {$6400.00} made on XX/XX/XXXX. XXXX stating I am not in forbearance. Also, notifying them again of loan verification is pending so they can get paid for back payments from MSHomeSaverPlus XX/XX/XXXX XXXX XXXX ( a manager ) back after missing his call & the next minute he was busy. Still haven't spoke with him as of XX/XX/XXXX. Spoke to XXXX on XX/XX/XXXX. Requested negative credit reporting & Letter. Now, I am being denied credit because of the negative credit reporting after I made the {$6400.00} that they said would keep me on payment until XX/XX/XXXX. Report 120, 180 days past due & they know I was in a legal forbearance. Then after making 3 payments to carry me over, the negatively report on my credit. Now they decide to " retract '' the negative reporting, but other current creditors have seen it & changed my terms of my business accounts ( XXXX ). Please advise.
Frequently Asked Questions
What is Complaint #6049985 about?
Complaint #6049985 was filed against Ocwen Financial Corporation regarding Mortgage specifically about Incorrect information on your report. It was received by the CFPB on 2022-10-04T12:00:00-05:00.
How did Ocwen Financial Corporation respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Mortgage) and describe your issue in detail.
Can I see other complaints against Ocwen Financial Corporation?
Yes, visit the Ocwen Financial Corporation company profile at readthecomplaint.com/company/ocwen-financial-corporation to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.