Consumer complaint received 2019-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
Consumer Financial Protection Bureau Submit a complaintComplaint filed Your complaint Complaint Number XXXX Step 1 What product or service is your complaint about?

PRODUCT OR SERVICE Mortgage TYPE Conventional home mortgage Step 2 What type of problem are you having? 

ISSUE Trouble during payment process HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY? 
Yes Step 3 What happened? 

We got in to a predatory lending .We got the home in XXXX for XXXX paying XXXX XXXX XXXX XXXX a month we been ask for a mod but in XXXX the rear was XXXX the home they started to foreclosure on it I filed a bankruptcy to stop and keep ask for a mod they told me to pay XXXX I pay it for 3 months then the cont. to persuade the foreclosure and refuse take the next month in XXXX they file again I filed a bankruptcy again the start cont to file and then in XXXX while Im still ask for the mod we keep filling bankruptcy and keep asking for the mod summit document after documents no answer we never had a day in court because we in bankruptcy the bankruptcy was discharged in XX/XX/XXXX and the court give them a sale date for XX/XX/XXXX now the home is to be for sale on that date the home has change lender able loan serving, littion loan services, ocwen loan serving now PHH loan servicing and they just send me help paperwork out XX/XX/XXXX and I just get home for the hospital try contact the wit HUD counselor On today and they refuse to help the still say we own XXXX in rears and we never pay or their no loan of a payment of XXXX it was XXXX and the give us a loan mod for XXXX at 2 percent and they send out a letter tell us we at the lost amount we never received anything form the but foreclosure paperwork and we was not in predatory lending they still say we own XXXX and they did receive some payment and keep say XXXX payment I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. 

The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps. 






What would be a fair resolution to this issue? 

Stop the foreclosure and the sale date and review they account and place us on that XXXX loan mod they say we was given, and tell us how they going file foreclosure with a four year old file with the same people or give us our date in court because in XXXX the case was to be close do to no active on the case and the people that foreclosure on received some payments in XXXX form us after a couple months later they refuse to take our payment a payment in XXXX and the keep refuse payment after some months Step 4 What company is this complaint about? 

COMPANY INFORMATION PHH MORTGAGE SERVICES ACCOUNT NUMBER XXXX Step 5 What people are involved? 


YOUR CONTACT INFORMATION XXXX XXXX XXXX XXXX ADDITIONAL PERSON 'S INFORMATION XXXX XXXX XXXX XXXX XXXX ALLOW THIS PERSON ACCESS TO THE COMPLAINT? 
Yes About us The CFPB is an independent federal agency built to protect consumers. We write and enforce rules that keep banks and other financial companies operating fairly. We also educate and empower consumers, helping them make more informed choices to achieve their financial goals.

Company response to consumer: Closed with explanation