Consumer complaint received 2018-07-03
Company: Ocwen Financial Corporation
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX XXXX on our mortgage contract was not to include two lots adjacent to property we received a loan on in XXXX. Their attorney assured us at signing that the contract had no other error than the mentioned extra two lots on a page that the closing attorney told us to circle the lots 7 and 8 and put an. X over it and initials by my husband and I. In XXXX, I had XXXX XXXX, furlough days st work and my job position at school was. A budget throuout the district. My husbands company of 13 years sold out to a franchise in which came in and changed the entire company. Everyone had a title change, so the company could legally change everything about the employees pay and job description. The supervisor position had a van, to deliver product in, all expenses paid, gas was a significant amount that was reimbursed, a required cell was covered by the company with the primal owner. Then the new owner have a choice of XXXX per hour from a previous salary of XXXX a week, health insurance, XXXX. I had to quickly add myself and my husband to my work insurance, since I was just diagnosed with XXXX XXXX XXXX. My husbands has had XXXX XXXX XXXX for years st that time. We put our house and our lots up for sale because we could not pay {$1200.00}, plus escrow anymore for the house payment. XXXX was given our mortgage loan even before the first payment was due. We got behind and XXXX did not pay our escrow taxes for the first two years when we were on time. After XXXX would not accept any kind of. Payment arrangement they sent foreclosure papers to us on XX/XX/XXXX. The cover sheet said that the property involved included the two adjacent lots that XXXX XXXX knew we were not going to do the loan back in XXXX if they had to include those two lots. My attorney immediately let XXXX XXXX and XXXX know legally responding that the two lots were not included. A mediation meeting was held in XXXX at attorney XXXX office. XXXX had attorneys show up, XXXX had a problem wit the lawyer they were to send but still they never gave input per phone that day or and day for these last horrific days to clear up our loan that the two lots were not in the loan and we have never been able to get out of litigation because of that. XXXX XXXX never would offer us any help on a modification loan or any help and so they nor XXXX would work with SC Help that we had XXXX XXXX in XXXX, SC do all the processing to get us help, but XXXX and XXXX XXXX would not give any comment back to them or our attorney for an amount they would accept as the price of the house. At that time, SC Helo had {$32000.00} to helo XXXX XXXX since we were struck hard with financial loss, then Ocwen would not give us a modification loan except to be the amount we had in the first place, XXXX dollars, I still have the slips to send in with the payment and Ocwen and HUD want to say we would not accept help! Then we were thrown to XXXX XXXX XXXX XXXX and they demand to change our GHA contract to deficiency loan while our original contract has deficiency waived on it, they would not work with SC Help last year about XX/XX/XXXX, with XXXX XXXX, the give our attorney an amount they would accept for the house. SC Help had {$36000.00} to come off of the price at 2 percent interest rate but XXXX would not respond. XXXX just told my attorney they would give us a XXXX payment and go up to XXXX after a few months?! My husband had XXXX XXXX due to stress after the mediation meeting, then, with him not working and no financial help, we had some property foreclosed on. Then my husband had XXXX XXXX st the time he had a manager job that paid XXXX an hour. He was released from that job and could not work standing for long periods of time. Three years ago his XXXX had gone back to AFIB and had an XXXX procedure that worked. So, he has just completed two years of driving a bus and working as an assistant with special needs kids at a high school. I had my job taken away as a budget cut, but the school had found me a lower paying job in XXXX, and I am still st that high school. The XXXX XXXX XXXX XXXX knows this, all we need was XXXX, XXXX XXXX, still there, can vouch that we were not going to do the loan if they were going to include the two lots 7 and 8. I now have been diagnosed with XXXX, and we have and are still being told we are. Going to lose our house over the last ten years. We have done everything that you are to do to be able to save our home, but instead we are told we can not rent, or buy anything now that our credit and judgements are on us. I couldnt cover the land payment or ever try help from somewhere else, since we were always in litigation over land that was never in the loan, but no one would ever satisfy or justify in writing to clear us up to live life the last eight years. To be able to play and have a little money to do a few things with the grandchildren.

Company response to consumer: Closed with explanation