Consumer complaint received 2015-06-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: LA

Complaint narrative:
Beginning in XXXX XXXX I started disputing this account and the payment history that was reporting. The payment history is completely inaccurate and reporting XXXX different ways with each bureau. I have NEVER paid my mortgage a day late and Ocwen is reporting on XXXX different occasions that I was 30 days late. They are reporting with XXXX that I was late XXXX XXXX 30 days and with XXXX they are reporting me 30 days late XXXX XXXX and 30 days late XXXX XXXX then 60 days late in XXXX of XXXX. Wiith XXXX they are reporting me 30 days late XXXX XXXX, 60 days late XXXX of XXXX and 60 days late XXXX of XXXX. The house was sold on XXXX XXXX, XXXX and they where over nighted a check for the balance. I 've disputed the account will all XXXX credit bureaus on XXXX separate occasions as well as I 've written to Ocwen requesting a detailed payment history on XXXX different occasions. I finally decided to call them on XXXX XXXX, XXXX and I ended up having to speak with a supervisor because the customer service representative could n't locate any information at all pertaining to my mortgage. After speaking with the supervisor, he informed me that they had changed systems and when they did that, they lost alot of information. He stated he would be getting with the corporate office pertaining to my complaint and he would get back to me which he did in fact do no XXXX but all he stated was that he was still researching and it was taking longer than he thought and he would contact me again once he found out the outcome. I reached out to him again a couple days later and left him a voicemail and he called back stating he was still unable to locate any information on my mortgage. His name I 'm unsure of because it 's foreign but his number is XXXX then press the option XXXX and the extension is XXXX. To this day I 've yet to hear from him again and since it 's been over 4 months with multiple attempts to get this corrected with both the bureaus and Ocwen, I 've had enough. I simply want to receive the positive credit that is well deserved for always paying my mortgage on time. I DO N'T want the account removed I simply want it updated to reflect accurate information. It 's very disturbing to me that Ocwen has continued verified inaccurate information on XXXX different occasions even though they have no records of the account. It makes me wonder how many loans they are servicing and how many peoples lives they are affecting who do n't know what to do to resolve the issue. I should be able to dispute information on my credit report that is INACCURATE and have it updated within the time frame allowed rather than having to spend my time chasing them down and ordering old bank statements and waiting on hold for hours. The bureaus need to be held liable as well for allowing them to continue to verify information without solid evidence. I hope soon that someone recognizes the impact the bureaus and the creditors have on peoples lives and how they are allowed to do what they want without following proper protocall and obeying the laws set in place to protect us as the consumer. This is extremely disturbing to me since I 'm not trying to purchase a new home after my divorce and my interest rate etc. is being affected by the incaccuracies they are continueing to " Verify ''

Company response to consumer: Closed with explanation