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if(aria) { aria.removeAttribute('aria-live'); } else { if(performance.navigation.type == performance.navigation.TYPE_RELOAD) { aria.removeAttribute('aria-live'); } } } </script><script type="text/javascript"> <![CDATA[//><!]]> </script> <script type="text/javascript"> <![CDATA[//><!]]> </script> <script type="application/ld+json"> { "@context": "https://web.archive.org/web/20211122080952/https://schema.org", "@type": "BreadcrumbList", "itemListElement": [{ "@type": "ListItem", "position":1, "name": "Housing", "item": "https://web.archive.org/web/20211122080952/https://www.usa.gov/housing" },{ "@type": "ListItem", "position":2, "name": "Housing-Related Complaints", "item": "https://web.archive.org/web/20211122080952/https://www.usa.gov/housing-complaints" } ] } </script><script type="application/ld+json"> { "@context": "https://web.archive.org/web/20211122080952/https://schema.org", "@type": "FAQPage", "mainEntity": [ { "@type": "Question", "name": "Landlord and Tenant Disputes", "acceptedAnswer": { "@type": "Answer", "text": "<p>As a tenant, if you pay to rent a home or an apartment, you may at some point have a dispute with the landlord or management company. Often disputes are about the conditions of the building, essential services, rent increases, or your right to stay. It&rsquo;s best to come to an agreement directly with the landlord or manager. Make sure you get everything in writing. And if you and the landlord can&rsquo;t agree, you can turn to outside help.</p><h3>Getting Help for a Dispute with a Landlord</h3><p>Laws about the rights of tenants and landlords are almost always handled at the state level.&nbsp; <a href="https://web.archive.org/web/20211122080952/https://www.hud.gov/topics/rental_assistance/tenantrights">Find help from your state with this directory of state-level agencies and resources for tenants.</a> Results differ for each state, but you may find:</p><ul><li><p><a href="https://web.archive.org/web/20211122080952/https://www.hud.gov/groups/tenants">State agencies that address tenant rights</a></p></li><li><p><a href="https://web.archive.org/web/20211122080952/https://www.hud.gov/complaints/badlandlord">Agencies that handle complaints</a></p></li></ul><p>You may eventually decide that you need <a href="https://web.archive.org/web/20211122080952/https://www.usa.gov/legal-aid">help from a lawyer</a>. See if you qualify for <a href="https://web.archive.org/web/20211122080952/https://www.lsc.gov/what-legal-aid/find-legal-aid">free legal aid from a non-profit organization</a>.<br />Direct complaints about housing discrimination or landlords who receive assistance from the federal government to the <a href="https://web.archive.org/web/20211122080952/https://www.hud.gov/complaints_home">U.S. Department of Housing and Urban Development</a>.</p><h3>Before There&#39;s a Problem</h3><p>It&#39;s best to avoid a dispute if possible.</p><ul><li><p>Understand your lease completely.</p></li><li><p>Keep all correspondence between you and your landlord.</p></li><li><p>Communicate problems early on and in writing, noting date and time of phone calls.&nbsp;</p></li><li><p>Keep proof of rent and deposits paid.</p></li></ul>" } }, { "@type": "Question", "name": "Complaints About Mortgage Companies", "acceptedAnswer": { "@type": "Answer", "text": "<p>If you have a complaint against a mortgage company, try to resolve it with the company first. Several government agencies accept complaints about mortgage lenders. In some cases, you should file your complaint with more than one agency, especially at the federal and state level.</p><h3>Report a Mortgage Company for Discrimination&nbsp;</h3><p>The Consumer Financial Protection Bureau (CFPB) enforces the <a href="https://web.archive.org/web/20211122080952/https://www.consumerfinance.gov/fair-lending/">Equal Credit Opportunity Act</a>. This law prohibits lenders from denying credit because of certain characteristics. <a href="https://web.archive.org/web/20211122080952/https://www.consumerfinance.gov/complaint/">File a complaint with the CFPB</a> if a lender has denied a mortgage application because of your:</p><ul><li>Age</li><li>Sex (including gender)</li><li>Marital status</li><li>Children</li><li>Race</li><li>Nationality or ethnicity</li><li>Religion</li><li>Income from public assistance programs</li></ul><p>&nbsp;</p><p>The Department of Housing and Urban Development (HUD) enforces the <a href="https://web.archive.org/web/20211122080952/https://www.hud.gov/program_offices/fair_housing_equal_opp/fair_lending">Fair Housing Act</a>. This law prohibits discrimination when you rent, buy, or secure financing for a home. Your state may also have a similar law. <a href="https://web.archive.org/web/20211122080952/https://www.hud.gov/program_offices/fair_housing_equal_opp/online-complaint">File a complaint with HUD</a> and the fair housing office in your state if a mortgage company discriminated against you because of your:</p><ul><li>Race</li><li>Color</li><li>National origin</li><li>Religion</li><li>Sex</li><li>Disability</li><li>Presence of children</li></ul><p>&nbsp;</p><h3>File a Complaint About Mortgage Company Services</h3><p><a href="https://web.archive.org/web/20211122080952/https://www.consumerfinance.gov/rules-policy/final-rules/code-federal-regulations/">The CFPB enforces several laws</a>, such as the <a href="https://web.archive.org/web/20211122080952/https://www.ftc.gov/enforcement/statutes/truth-lending-act">Truth in Lending Act</a> and the <a href="https://web.archive.org/web/20211122080952/https://www.hud.gov/hudprograms/respa">Real Estate Settlement Procedures Act</a>. These laws require lenders to disclose information to homebuyers before buying and over the life of the mortgage. <a href="https://web.archive.org/web/20211122080952/https://www.consumerfinance.gov/complaint/">File a complaint with the CFPB</a> if you have a problem with a new or existing mortgage. Examples of common mortgage complaints include:</p><ul><li>Applying for a mortgage</li><li>Receiving loan estimates and closing documents</li><li>Transferring a mortgage to another servicer</li><li>Applying your payments correctly</li><li>Refinancing or modifying a mortgage loan</li><li>Misreporting mortgage account status to you or to credit reporting agencies</li><li>Requiring private mortgage insurance</li><li>Paying additional fees</li></ul><p>&nbsp;</p><h3>Report Deceptive Mortgage Practices and Scams</h3><p><a href="https://web.archive.org/web/20211122080952/https://www.ftc.gov/about-ftc/what-we-do/enforcement-authority">The Federal Trade Commission Act</a> is the primary statute of the Federal Trade Commission (FTC). It states that unfair and deceptive practices affecting commerce are unlawful. <a href="https://web.archive.org/web/20211122080952/https://reportfraud.ftc.gov/#/">Report a mortgage company to the FTC</a> if it makes deceptive statements, omits important facts, or takes misleading actions. Examples include:&nbsp;</p><ul><li>False statements about their ability to offer a loan</li><li>Fees for mortgage services that aren&rsquo;t provided</li><li><a href="https://web.archive.org/web/20211122080952/https://www.consumer.ftc.gov/articles/debt-collection-faqs">Illegal tactics</a> to collect on mortgage balances</li></ul><p>Also, <a href="https://web.archive.org/web/20211122080952/https://www.usa.gov/state-consumer">file a complaint with your state consumer protection office</a> about a mortgage fraud or scam. Call the <a href="https://web.archive.org/web/20211122080952/https://995hope.org/">HOPE Hotline</a> at <a href="tel:18889954673">1-888-995-HOPE</a> (1-888-995-4673).</p>" } }, { "@type": "Question", "name": "Identify and Complain about Housing Discrimination", "acceptedAnswer": { "@type": "Answer", "text": "<p><a href="https://web.archive.org/web/20211122080952/https://portalapps.hud.gov/AdaptivePages/HUD/welcome.htm">Housing discrimination</a> happens when a housing provider gets in the way of a person renting or buying housing because of their</p><ul><li>Race or color</li><li>Religion</li><li>Sex</li><li>National origin</li><li>Familial status (such as having children)</li><li>Disability</li></ul><p>A housing provider that discriminates against someone could be a landlord or a real estate management company. It could also be a lending institution like a bank or other organization that aids in the homebuying process.</p><p>Housing discrimination is prohibited by the Fair Housing Act. Discrimination covered by the Act can take many forms beyond just raising prices or lying about availability. For example, the Act addresses wheelchair access in some newer properties. <a href="https://web.archive.org/web/20211122080952/https://www.hud.gov/program_offices/fair_housing_equal_opp/fair_housing_act_overview">Learn what the Fair Housing Act covers, how to complain, and how the investigation process works.</a></p><h3>File a Housing Discrimination Complaint</h3><p>If you think you have experienced housing discrimination,</p><ul><li>Complete and submit a <a href="https://web.archive.org/web/20211122080952/https://www.hud.gov/program_offices/fair_housing_equal_opp/online-complaint">Housing Discrimination Complaint Form</a> or&nbsp;</li><li>Contact your regional <a href="https://web.archive.org/web/20211122080952/https://www.hud.gov/program_offices/fair_housing_equal_opp/aboutfheo/fhhubs">HUD office</a></li></ul><h3>LGBTQ&nbsp;Discrimination</h3><p>The Fair Housing Act does not specifically prohibit discrimination based on sexual orientation or gender identity. But discrimination against someone who is lesbian, gay, bisexual, transgender, or queer (LGBTQ) <a href="https://web.archive.org/web/20211122080952/https://www.hud.gov/program_offices/fair_housing_equal_opp/housing_discrimination_and_persons_identifying_lgbtq">may still be in violation of the Act</a> or other state or local regulations. If you think you&#39;ve been discriminated against based on sexual orientation or gender identity, file a complaint as described above.</p>" } } ] } </script><script type="text/javascript" src="/web/20211122080952js_/https://www.usa.gov/js/accordion-from-content.js"></script> <script type="text/javascript"> $(document).ready(function(){ accordionify({id: "item-36622"}); accordionify({id: "item-36122"}); accordionify({id: "item-35792"}); }); </script><script type="application/ld+json"> { "@context": "https://web.archive.org/web/20211122080952/https://schema.org", "@type": "Organization", "url": "https://web.archive.org/web/20211122080952/https://www.usa.gov/", "logo": "https://web.archive.org/web/20211122080952/https://app-usa-modeast-prod-a01239f.s3.amazonaws.com/Logo_USAGov.png" } </script> <script type="text/javascript" src="/web/20211122080952js_/https://www.usa.gov/js/respond.js"></script> <script type="text/javascript" src="/web/20211122080952js_/https://www.usa.gov/js/platform.js"></script> <script type="text/javascript" src="/web/20211122080952js_/https://www.usa.gov/js/menu.js"></script> <script type="text/javascript" src="/web/20211122080952js_/https://www.usa.gov/js/standardsModifications.js"></script> <script type="text/javascript" src="/web/20211122080952js_/https://www.usa.gov/js/modal.js"></script> <script type="text/javascript" src="/web/20211122080952js_/https://www.usa.gov/js/states.js"></script> <script type="text/javascript" src="/web/20211122080952js_/https://www.usa.gov/js/homepage.js"></script> <script type="text/javascript" src="/web/20211122080952js_/https://www.usa.gov/js/uswds.js"></script>  </head> <body>  <noscript><iframe role="application" src="https://web.archive.org/web/20211122080952if_/https://www.googletagmanager.com/ns.html?id=GTM-KV4BZFD" height="0" width="0" style="display:none;visibility:hidden"></iframe></noscript> <noscript> <div style="background-color:#c61f0c; color:#fff; margin:0; padding-left:1.3rem; width:100%; padding-top:.5%; min-height:7rem;"> <span role="img" style="display:inline-block; padding-top:.2%; padding-bottom:.2%; padding-left:4.5rem; padding-right:5rem; background-image:url(/web/20211122080952im_/https://www.usa.gov/images/Icon_Alert.png); background-repeat:no-repeat; background-size:1.4em; background-position:1% 42%; line-height:20px; font-size:medium;"> <p>Please enable JavaScript in your web browser; otherwise some parts of this site might not work properly.</p> </span> </div> </noscript><a class="usa-skipnav" href="#content" onclick="document.getElementById('content').focus();" onfocus="dataLayer.push({'event' : 'skipNavOpened'});">Skip to main content </a> <header aria-labelledby="bner" role="banner" class="usa-header usa-header-extended" data-stickyheight="22"> <div class="usa-banner"> <div class="usa-accordion"> <div class="usa-banner-header"> <div id="bner" class="usa-grid usa-banner-inner"> <img src="/web/20211122080952im_/https://www.usa.gov/images/favicon-57.png" alt="U.S. flag"> <p>An official website of the United States government </p> <button class="usa-accordion-button usa-banner-button" aria-expanded="false" aria-controls="gov-banner"> <span class="usa-banner-button-text">Here's how you know </span> </button> </div> </div> <div class="usa-banner-content usa-grid usa-accordion-content" id="gov-banner"> <div class="usa-banner-guidance-gov usa-width-one-half"> <img class="usa-banner-icon usa-media_block-img" src="/web/20211122080952im_/https://www.usa.gov/images/icon-dot-gov.svg" alt="Dot gov"> <div class="usa-media_block-body"> <p> <strong>Official websites use .gov</strong> <br> A <strong>.gov</strong> website belongs to an official government organization in the United States. </p> </div> </div> <div class="usa-banner-guidance-ssl usa-width-one-half"> <img class="usa-banner-icon usa-media_block-img" src="/web/20211122080952im_/https://www.usa.gov/images/icon-https.svg" alt="SSL"> <div class="usa-media_block-body"> <p> <strong>Secure .gov websites use HTTPS</strong> <br> A <strong>lock</strong> ( <span class="icon-lock"> <svg xmlns="http://www.w3.org/2000/svg" width="52" height="64" viewbox="0 0 52 64" class="usa-banner__lock-image" role="img" aria-labelledby="banner-lock-title-default banner-lock-description-default"> <title id="banner-lock-title-default">Lock</title> <desc id="banner-lock-description-default">A locked padlock</desc> <path fill="#000000" fill-rule="evenodd" d="M26 0c10.493 0 19 8.507 19 19v9h3a4 4 0 0 1 4 4v28a4 4 0 0 1-4 4H4a4 4 0 0 1-4-4V32a4 4 0 0 1 4-4h3v-9C7 8.507 15.507 0 26 0zm0 8c-5.979 0-10.843 4.77-10.996 10.712L15 19v9h22v-9c0-6.075-4.925-11-11-11z"></path> </svg> </span> ) or https:// means you鈥檝e safely connected to the .gov website. 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<li> <a href="/web/20211122080952/https://www.usa.gov/statistics">Data and Statistics About the U.S.</a> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/agencies" href="#">Government Agencies and Elected Officials</a> <ul> <li> <a href="/web/20211122080952/https://www.usa.gov/federal-agencies">A-Z Index of U.S. Government Agencies</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/branches-of-government">Branches of the U.S. Government</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/budget">Budget of the U.S. Government</a> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/buy-from-government" href="#">Buying from the U.S. Government</a> <ul> <li> <a href="/web/20211122080952/https://www.usa.gov/auctions-and-sales">Auctions and Sales</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/state-surplus-sales">Surplus Sales by State</a> </li> </ul> </li> <li> <a 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<a href="/web/20211122080952/https://www.usa.gov/state-emergency-management">State Emergency Management Agencies</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/states-and-territories">State Governments</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/state-health">State Health Departments</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/state-courts">State, County, and Municipal Courts</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/state-travel-and-tourism">Travel and Tourism Information, by State</a> </li> </ul> </li> </ul> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/history">History and Historical Documents</a> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/laws" href="#">Laws and Legal Issues</a> <ul> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/complaints" href="#">Complaints</a> <ul> <li> <a href="/web/20211122080952/https://www.usa.gov/complaint-against-government">Complaints Against the Government</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/consumer-complaints">Consumer Complaints</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/complaints-by-product">Consumer Complaints by Product Type</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/complaint-letter">Sample Complaint Letter</a> </li> </ul> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/crime-prison" href="#">Crime and Prisons</a> <ul> <li> <a href="/web/20211122080952/https://www.usa.gov/crimes-against-children">Crimes Involving Children</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/prisons">Prisons and Prisoners</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/report-crime">Reporting Crime</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/corrections">State Corrections Departments</a> </li> </ul> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/laws-and-regs" href="#">Federal Laws and Regulations</a> <ul> <li> <a href="/web/20211122080952/https://www.usa.gov/branches-of-government">Branches of the U.S. Government</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/laws-and-regulations">Commonly Requested U.S. Laws and Regulations</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/how-laws-are-made">How Laws Are Made and How to Research Them</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/pollution">Pollution Issues</a> </li> </ul> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/labor-laws">Labor Laws and Issues</a> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/family" href="#">Personal Legal Issues, Documents, and Family History</a> <ul> <li> <a href="/web/20211122080952/https://www.usa.gov/child-care">Child Support</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/complaints">Complaints</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/family-legal">Family Legal Issues</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/genealogy">Genealogy and Family History</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/legal-aid">Lawyers and Legal Advice</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/replace-vital-documents">Replace Your Vital Records</a> </li> </ul> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/scams-and-frauds" href="#">Scams and Frauds</a> <ul> <li> <a href="/web/20211122080952/https://www.usa.gov/common-scams-frauds">Common Scams and Frauds</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/housing-scams">Housing Scams</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/identity-theft">Identity Theft</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/irs-scams">IRS Scams</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/online-safety">Online Safety</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/privacy">Privacy</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/stop-scams-frauds">Report Scams and Frauds</a> </li> </ul> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/government-works">U.S. Government Works</a> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/voting-laws-history" href="#">Voting and Election Laws and History</a> <ul> <li> <a href="/web/20211122080952/https://www.usa.gov/election-results">Historical Election Results</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/voter-id">Voter ID Requirements</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/voting-laws">Voting and Election Laws</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/who-can-vote">Who Can and Can鈥檛 Vote in U.S. Elections</a> </li> </ul> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/disability-rights">Your Legal Disability Rights</a> </li> </ul> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/life-in-the-us">Learn About Life in the U.S.</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/presidents">Presidents, Vice Presidents, and First Ladies</a> </li> </ul> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/benefits-grants-loans" href="#">Benefits, Grants, Loans</a> <ul> <li> <a href="/web/20211122080952/https://www.usa.gov/finding-home">Affordable Rental Housing</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/benefits">Benefits</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/financial-aid">Financial Aid for Students</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/food-help">Food Assistance</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/grants">Grants and Loans</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/help-with-bills">Help with Bills</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/military-assistance">Military Programs and Benefits</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/retirement">Retirement</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/about-social-security">Social Security Questions</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/state-social-services">State Social Service Agencies</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/unemployment">Unemployment Help</a> </li> </ul> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/consumer" href="#">Consumer Issues</a> <ul> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/complaints" href="#">Complaints</a> <ul> <li> <a href="/web/20211122080952/https://www.usa.gov/complaint-against-government">Complaints Against the Government</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/consumer-complaints">Consumer Complaints</a> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/complaints-by-product" href="#">Consumer Complaints by Product Type</a> <ul> <li> <a href="/web/20211122080952/https://www.usa.gov/complaints-lender">Banks and Lender Complaints</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/car-complaints">Car Complaints</a> </li> <li class="expanded"> <a href="#content" aria-describedby="sr-current-page" data-current-page="true">Housing-Related Complaints</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/phone-tv-complaints">Phone and TV Complaints</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/travel-complaint">Travel Complaints</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/post-office">U.S. Postal Service Issues</a> </li> </ul> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/complaint-letter">Sample Complaint Letter</a> </li> </ul> </li> <li class="has-open-item"> <a aria-describedby="sr-next" aria-expanded="false" data-href="/money" href="#">Money and Taxes</a> <ul> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/benefits-grants-loans" href="#">Benefits, Grants, Loans</a> <ul> <li> <a href="/web/20211122080952/https://www.usa.gov/finding-home">Affordable Rental Housing</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/benefits">Benefits</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/financial-aid">Financial Aid for Students</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/food-help">Food Assistance</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/grants">Grants and Loans</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/help-with-bills">Help with Bills</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/military-assistance">Military Programs and Benefits</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/retirement">Retirement</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/about-social-security">Social Security Questions</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/state-social-services">State Social Service Agencies</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/unemployment">Unemployment Help</a> </li> </ul> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/credit-and-debt" href="#">Credit and Debt</a> <ul> <li> <a href="/web/20211122080952/https://www.usa.gov/credit">Credit Issues</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/credit-reports">Credit Reports and Scores</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/debt">Dealing with Debt</a> </li> </ul> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/currency">Currency</a> </li> <li class="open expanded"> <a aria-describedby="sr-expanded" data-href="/housing" href="/web/20211122080952/https://www.usa.gov/housing">Housing</a> <ul> <li> <a href="/web/20211122080952/https://www.usa.gov/finding-home">Affordable Rental Housing</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/foreclosure">Foreclosure</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/buying-home">Help Buying a Home</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/housing-help-audiences">Housing Help</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/housing-scams">Housing Scams</a> </li> <li class="expanded"> <a href="#content" aria-describedby="sr-current-page" data-current-page="true">Housing-Related Complaints</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/mortgages">Mortgages</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/moving">Moving</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/repairing-home">Repairing and Improving a Home</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/post-office">U.S. Postal Service Issues</a> </li> </ul> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/retirement">Retirement</a> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/spend-save-invest" href="#">Spending, Saving and Investing</a> <ul> <li> <a href="/web/20211122080952/https://www.usa.gov/cars">Car Complaints and Motor Vehicle Services</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/donate-to-charity">Donating to Charity</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/mortgages">Mortgages</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/retirement">Retirement</a> </li> </ul> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/taxes" href="#">Taxes</a> <ul> <li> <a href="/web/20211122080952/https://www.usa.gov/covid-stimulus-checks">Advance Child Tax Credit and Economic Impact Payments - Stimulus Checks</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/filing-taxes-topics">Filing Your Taxes</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/irs-scams">IRS Scams</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/resolve-tax-disputes">Resolve Tax Disputes</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/business-taxes">Small Business Taxes</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/state-taxes">State and Local Taxes</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/check-tax-status">Tax Return Status</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/check-tax-withholding">Tax Withholding</a> </li> </ul> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/unclaimed-money">Unclaimed Money from the Government</a> </li> </ul> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/recalls">Recalled Products</a> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/scams-and-frauds" href="#">Scams and Frauds</a> <ul> <li> <a href="/web/20211122080952/https://www.usa.gov/common-scams-frauds">Common Scams and Frauds</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/housing-scams">Housing Scams</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/identity-theft">Identity Theft</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/irs-scams">IRS Scams</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/online-safety">Online Safety</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/privacy">Privacy</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/stop-scams-frauds">Report Scams and Frauds</a> </li> </ul> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/state-consumer">State Consumer Protection Offices</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/telemarketing">Telemarketing and Unwanted Mail</a> </li> </ul> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/coronavirus" href="#">COVID-19</a> <ul> <li> <a href="/web/20211122080952/https://www.usa.gov/covid-stimulus-checks">Advance Child Tax Credit and Economic Impact Payments - Stimulus Checks</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/covid-vaccine-and-testing">COVID-19 Health Information, Vaccines, and Testing</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/covid-small-business-loans">COVID-19 Small Business Loans and Assistance</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/covid-unemployment-benefits">COVID-19 Unemployment Benefits</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/covid-financial-help-from-the-government">Financial Assistance for Food, Housing, and Bills</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/federal-covid-response">Government Response to Coronavirus, COVID-19</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/covid-passports-and-travel">Passports and Travel During the COVID-19 Pandemic</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/covid-scams">Scams Related to COVID-19</a> </li> </ul> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/disability-services" href="#">Disability Services</a> <ul> <li> <a href="/web/20211122080952/https://www.usa.gov/disability-benefits-insurance">Benefits and Insurance</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/disability-caregiver">Caregiver Support</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/disability-financial-support">Financial Assistance and Support Services</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/disability-programs">Government and Local Disability Programs</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/disability-jobs-education">Jobs and Education</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/disability-veterans-benefits">Veterans Disability Benefits</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/disability-rights">Your Legal Disability Rights</a> </li> </ul> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/disasters-and-emergencies" href="#">Disasters and Emergencies</a> <ul> <li> <a href="/web/20211122080952/https://www.usa.gov/after-disaster">After a Disaster</a> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/disaster-financial-help" href="#">Disaster Financial Assistance</a> <ul> <li> <a href="/web/20211122080952/https://www.usa.gov/disaster-help-workers-businesses">Disaster Financial Assistance for Workers and Small Business Owners</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/disaster-help-food-housing-bills">Disaster Financial Assistance with Food, Housing, and Bills</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/disaster-area-help">Financial Assistance Within Designated Natural Disaster Areas</a> </li> </ul> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/help-disaster-survivors">Help Survivors of a Disaster</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/state-emergency-management">State Emergency Management Agencies</a> </li> </ul> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/education" href="#">Education</a> <ul> <li> <a href="/web/20211122080952/https://www.usa.gov/higher-education">College and Higher Education</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/financial-aid">Financial Aid for Students</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/study-in-US">Learn English and Attend College in the U.S.</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/libraries">Libraries and Archives</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/student-loans">Manage and Repay Student Loans</a> </li> </ul> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/agencies" href="#">Government Agencies and Elected Officials</a> <ul> <li> <a href="/web/20211122080952/https://www.usa.gov/federal-agencies">A-Z Index of U.S. Government Agencies</a> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/about-the-us" href="#">About the U.S.</a> <ul> <li> <a href="/web/20211122080952/https://www.usa.gov/flag">American Flag</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/branches-of-government">Branches of the U.S. Government</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/budget">Budget of the U.S. Government</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/statistics">Data and Statistics About the U.S.</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/history">History and Historical Documents</a> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/laws" href="#">Laws and Legal Issues</a> <ul> <li> <a href="/web/20211122080952/https://www.usa.gov/complaints">Complaints</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/crime-prison">Crime and Prisons</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/laws-and-regs">Federal Laws and Regulations</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/labor-laws">Labor Laws and Issues</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/family">Personal Legal Issues, Documents, and Family History</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/scams-and-frauds">Scams and Frauds</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/government-works">U.S. Government Works</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/voting-laws-history">Voting and Election Laws and History</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/disability-rights">Your Legal Disability Rights</a> </li> </ul> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/life-in-the-us">Learn About Life in the U.S.</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/presidents">Presidents, Vice Presidents, and First Ladies</a> </li> </ul> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/branches-of-government">Branches of the U.S. Government</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/budget">Budget of the U.S. Government</a> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/buy-from-government" href="#">Buying from the U.S. Government</a> <ul> <li> <a href="/web/20211122080952/https://www.usa.gov/auctions-and-sales">Auctions and Sales</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/state-surplus-sales">Surplus Sales by State</a> </li> </ul> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/elected-officials">Contact Elected Officials</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/forms">Forms, by Agency</a> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/state-tribal-governments" href="#">State, Local, and Tribal Governments</a> <ul> <li> <a href="/web/20211122080952/https://www.usa.gov/elected-officials">Contact Elected Officials</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/state-governor">Governors</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/tribes">Indian Tribes and Resources for Native Americans</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/local-governments">Local Governments</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/state-attorney-general">State Attorneys General</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/state-consumer">State Consumer Protection Offices</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/state-emergency-management">State Emergency Management Agencies</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/states-and-territories">State Governments</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/state-health">State Health Departments</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/state-courts">State, County, and Municipal Courts</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/state-travel-and-tourism">Travel and Tourism Information, by State</a> </li> </ul> </li> </ul> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/health" href="#">Health</a> <ul> <li> <a href="/web/20211122080952/https://www.usa.gov/doctors">Doctors and Medical Facilities</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/health-resources">Health Information from the Government</a> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/health-insurance" href="#">Health Insurance</a> <ul> <li> <a href="/web/20211122080952/https://www.usa.gov/finding-health-insurance">Finding Health Insurance</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/medicaid">Medicaid and CHIP</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/medicare">Medicare</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/paying-for-medical">Paying for Medical Care</a> </li> </ul> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/medicine">Medications</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/mental-health-substance-abuse">Mental Health and Substance Abuse</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/state-health">State Health Departments</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/vaccinations">Vaccines and Immunizations</a> </li> </ul> </li> <li class="open expanded"> <a aria-describedby="sr-expanded" data-href="/housing" href="/web/20211122080952/https://www.usa.gov/housing" data-critical-path="true">Housing</a> <ul> <li> <a href="/web/20211122080952/https://www.usa.gov/finding-home">Affordable Rental Housing</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/foreclosure">Foreclosure</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/buying-home">Help Buying a Home</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/housing-help-audiences">Housing Help</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/housing-scams">Housing Scams</a> </li> <li class="expanded"> <a href="#content" aria-describedby="sr-current-page" data-current-page="true">Housing-Related Complaints</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/mortgages">Mortgages</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/moving">Moving</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/repairing-home">Repairing and Improving a Home</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/post-office">U.S. Postal Service Issues</a> </li> </ul> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/jobs-and-unemployment" href="#">Jobs and Unemployment</a> <ul> <li> <a href="/web/20211122080952/https://www.usa.gov/labor-laws">Labor Laws and Issues</a> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/job-search" href="#">Looking for a New Job</a> <ul> <li> <a href="/web/20211122080952/https://www.usa.gov/government-jobs">Find a Federal Government Job</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/find-a-job">Find a Job</a> </li> </ul> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/retirement">Retirement</a> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/business" href="#">Small Business</a> <ul> <li> <a href="/web/20211122080952/https://www.usa.gov/business-search">Business Keyword Search</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/funding-options">Finance Your Business</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/import-export">Importing and Exporting</a> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/government-contracting-for-beginners" href="#">Introduction to Government Contracting</a> <ul> <li> <a href="/web/20211122080952/https://www.usa.gov/expand-business">Get Help with Government Contracting</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/find-government-contracts">The Contract Opportunities Search Tool on beta.SAM.gov</a> </li> </ul> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/business-taxes">Small Business Taxes</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/start-business">Start Your Own Business</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/state-business">State Business Resources</a> </li> </ul> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/federal-employees" href="#">U.S. Government Employees</a> <ul> <li> <a href="/web/20211122080952/https://www.usa.gov/government-jobs">Find a Federal Government Job</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/benefits-for-federal-employees">Pay and Benefits for Federal Employees</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/safer-federal-workforce">Protecting the Federal Workforce from COVID-19</a> </li> </ul> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/unemployment">Unemployment Help</a> </li> </ul> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/laws" href="#">Laws and Legal Issues</a> <ul> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/complaints" href="#">Complaints</a> <ul> <li> <a href="/web/20211122080952/https://www.usa.gov/complaint-against-government">Complaints Against the Government</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/consumer-complaints">Consumer Complaints</a> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/complaints-by-product" href="#">Consumer Complaints by Product Type</a> <ul> <li> <a href="/web/20211122080952/https://www.usa.gov/complaints-lender">Banks and Lender Complaints</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/car-complaints">Car Complaints</a> </li> <li class="expanded"> <a href="#content" aria-describedby="sr-current-page" data-current-page="true">Housing-Related Complaints</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/phone-tv-complaints">Phone and TV Complaints</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/travel-complaint">Travel Complaints</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/post-office">U.S. Postal Service Issues</a> </li> </ul> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/complaint-letter">Sample Complaint Letter</a> </li> </ul> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/crime-prison" href="#">Crime and Prisons</a> <ul> <li> <a href="/web/20211122080952/https://www.usa.gov/crimes-against-children">Crimes Involving Children</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/prisons">Prisons and Prisoners</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/report-crime">Reporting Crime</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/corrections">State Corrections Departments</a> </li> </ul> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/laws-and-regs" href="#">Federal Laws and Regulations</a> <ul> <li> <a href="/web/20211122080952/https://www.usa.gov/branches-of-government">Branches of the U.S. Government</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/laws-and-regulations">Commonly Requested U.S. Laws and Regulations</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/how-laws-are-made">How Laws Are Made and How to Research Them</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/pollution">Pollution Issues</a> </li> </ul> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/labor-laws">Labor Laws and Issues</a> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/family" href="#">Personal Legal Issues, Documents, and Family History</a> <ul> <li> <a href="/web/20211122080952/https://www.usa.gov/child-care">Child Support</a> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/complaints" href="#">Complaints</a> <ul> <li> <a href="/web/20211122080952/https://www.usa.gov/complaint-against-government">Complaints Against the Government</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/consumer-complaints">Consumer Complaints</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/complaints-by-product">Consumer Complaints by Product Type</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/complaint-letter">Sample Complaint Letter</a> </li> </ul> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/family-legal">Family Legal Issues</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/genealogy">Genealogy and Family History</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/legal-aid">Lawyers and Legal Advice</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/replace-vital-documents">Replace Your Vital Records</a> </li> </ul> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/scams-and-frauds" href="#">Scams and Frauds</a> <ul> <li> <a href="/web/20211122080952/https://www.usa.gov/common-scams-frauds">Common Scams and Frauds</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/housing-scams">Housing Scams</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/identity-theft">Identity Theft</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/irs-scams">IRS Scams</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/online-safety">Online Safety</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/privacy">Privacy</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/stop-scams-frauds">Report Scams and Frauds</a> </li> </ul> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/government-works">U.S. Government Works</a> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/voting-laws-history" href="#">Voting and Election Laws and History</a> <ul> <li> <a href="/web/20211122080952/https://www.usa.gov/election-results">Historical Election Results</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/voter-id">Voter ID Requirements</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/voting-laws">Voting and Election Laws</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/who-can-vote">Who Can and Can鈥檛 Vote in U.S. Elections</a> </li> </ul> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/disability-rights">Your Legal Disability Rights</a> </li> </ul> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/military-and-veterans" href="#">Military and Veterans</a> <ul> <li> <a href="/web/20211122080952/https://www.usa.gov/join-military">Join the Military</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/military-personnel-and-installations">Locate Military Members, Units, and Facilities</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/education-military-veterans">Military and Veterans Education Benefits</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/military-pay">Military Pay and Pensions</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/military-assistance">Military Programs and Benefits</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/military-records">Military Records and Identification</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/selective-service">Selective Service (the Draft)</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/veteran-burial-benefits">Veterans Burial and Survivor Benefits</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/veteran-health">Veterans Health Benefits and Issues</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/veteran-housing">Veterans Housing Help</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/veteran-employment">Veterans Jobs and Training</a> </li> </ul> </li> <li class="has-open-item"> <a aria-describedby="sr-next" aria-expanded="false" data-href="/money" href="#">Money and Taxes</a> <ul> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/benefits-grants-loans" href="#">Benefits, Grants, Loans</a> <ul> <li> <a href="/web/20211122080952/https://www.usa.gov/finding-home">Affordable Rental Housing</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/benefits">Benefits</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/financial-aid">Financial Aid for Students</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/food-help">Food Assistance</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/grants">Grants and Loans</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/help-with-bills">Help with Bills</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/military-assistance">Military Programs and Benefits</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/retirement">Retirement</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/about-social-security">Social Security Questions</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/state-social-services">State Social Service Agencies</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/unemployment">Unemployment Help</a> </li> </ul> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/consumer" href="#">Consumer Issues</a> <ul> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/complaints" href="#">Complaints</a> <ul> <li> <a href="/web/20211122080952/https://www.usa.gov/complaint-against-government">Complaints Against the Government</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/consumer-complaints">Consumer Complaints</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/complaints-by-product">Consumer Complaints by Product Type</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/complaint-letter">Sample Complaint Letter</a> </li> </ul> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/recalls">Recalled Products</a> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/scams-and-frauds" href="#">Scams and Frauds</a> <ul> <li> <a href="/web/20211122080952/https://www.usa.gov/common-scams-frauds">Common Scams and Frauds</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/housing-scams">Housing Scams</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/identity-theft">Identity Theft</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/irs-scams">IRS Scams</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/online-safety">Online Safety</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/privacy">Privacy</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/stop-scams-frauds">Report Scams and Frauds</a> </li> </ul> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/state-consumer">State Consumer Protection Offices</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/telemarketing">Telemarketing and Unwanted Mail</a> </li> </ul> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/credit-and-debt" href="#">Credit and Debt</a> <ul> <li> <a href="/web/20211122080952/https://www.usa.gov/credit">Credit Issues</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/credit-reports">Credit Reports and Scores</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/debt">Dealing with Debt</a> </li> </ul> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/currency">Currency</a> </li> <li class="open expanded"> <a aria-describedby="sr-expanded" data-href="/housing" href="/web/20211122080952/https://www.usa.gov/housing">Housing</a> <ul> <li> <a href="/web/20211122080952/https://www.usa.gov/finding-home">Affordable Rental Housing</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/foreclosure">Foreclosure</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/buying-home">Help Buying a Home</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/housing-help-audiences">Housing Help</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/housing-scams">Housing Scams</a> </li> <li class="expanded"> <a href="#content" aria-describedby="sr-current-page" data-current-page="true">Housing-Related Complaints</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/mortgages">Mortgages</a> </li> <li> <a 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href="/web/20211122080952/https://www.usa.gov/inauguration">Inauguration of the President of the United States</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/election">Presidential Election Process</a> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/voter-registration" href="#">Voter Registration</a> <ul> <li> <a href="/web/20211122080952/https://www.usa.gov/change-voter-registration">Change Your Voter Registration</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/confirm-voter-registration">Confirm You're Registered to Vote</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/voter-registration-card">How to Get a Voter Registration Card</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/register-to-vote">How to Register to Vote</a> </li> </ul> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/voting-laws-history" href="#">Voting and Election Laws and History</a> <ul> <li> <a href="/web/20211122080952/https://www.usa.gov/election-results">Historical Election Results</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/voter-id">Voter ID Requirements</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/voting-laws">Voting and Election Laws</a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/who-can-vote">Who Can and Can鈥檛 Vote in U.S. Elections</a> </li> </ul> </li> </ul> </li> </ul> </li> </ul> <ul class="usa-nav-primary usa-accordion usa-accordion-escapable"> <li> <a class="usa-nav-link" href="/web/20211122080952/https://www.usa.gov/#tpcs"> <span>All Topics and Services</span> </a> </li> <li> <button class="usa-accordion-button usa-nav-link" aria-expanded="false" aria-controls="megamenu-1"> <span>About the U.S.</span> </button><ul class="usa-nav-submenu usa-megamenu usa-grid-full" id="megamenu-1"> <li class="usa-megamenu-col"> <ul><li><a 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clearfix"><nav aria-label="Housing - leftnav" class="col-md-3 leftnav"> <div aria-label="Housing-Related Complaints"> <div class="shade"> <header> <h2> <a href="/web/20211122080952/https://www.usa.gov/housing" class="url"> <span>Housing</span> </a> </h2> </header> <ul> <li> <a href="/web/20211122080952/https://www.usa.gov/finding-home" class="url"> <span>Affordable Rental Housing</span> </a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/foreclosure" class="url"> <span>Foreclosure</span> </a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/buying-home" class="url"> <span>Help Buying a Home</span> </a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/housing-help-audiences" class="url"> <span>Housing Help</span> </a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/housing-scams" class="url"> <span>Housing Scams</span> </a> </li> <li class="slctd"> <a> <span>Housing-Related Complaints</span> </a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/mortgages" class="url"> <span>Mortgages</span> </a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/moving" class="url"> <span>Moving</span> </a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/repairing-home" class="url"> <span>Repairing and Improving a Home</span> </a> </li> <li> <a href="/web/20211122080952/https://www.usa.gov/post-office" class="url"> <span>U.S. Postal Service Issues</span> </a> </li></ul> </div> </div> </nav>  <div class="col-md-9 col-sm-12 rightnav"> <header> <h1 id="page-title">Housing-Related Complaints</h1> <p>Find out what to do if you have one of these complaints when buying or renting a home.</p> </header> <div class="wotp"> <header> <h2>On This Page</h2> </header> <div class="clearfix"> <ul> <li> <a href="#item-35792" onclick="document.getElementById('item-35792').focus();">Landlord and Tenant Disputes </a> </li> <li> <a href="#item-36622" onclick="document.getElementById('item-36622').focus();">Complaints About Mortgage Companies </a> </li> <li> <a href="#item-36122" onclick="document.getElementById('item-36122').focus();">Identify and Complain about Housing Discrimination </a> </li> </ul> </div> </div> <article role="complementary" aria-labelledby="item-35792"> <header> <h2 id="item-35792">Landlord and Tenant Disputes</h2> </header><p>As a tenant, if you pay to rent a home or an apartment, you may at some point have a dispute with the landlord or management company. Often disputes are about the conditions of the building, essential services, rent increases, or your right to stay. It’s best to come to an agreement directly with the landlord or manager. Make sure you get everything in writing. And if you and the landlord can’t agree, you can turn to outside help.</p><h3>Getting Help for a Dispute with a Landlord</h3><p>Laws about the rights of tenants and landlords are almost always handled at the state level.  <a href="https://web.archive.org/web/20211122080952/https://www.hud.gov/topics/rental_assistance/tenantrights">Find help from your state with this directory of state-level agencies and resources for tenants.</a> Results differ for each state, but you may find:</p><ul><li><p><a href="https://web.archive.org/web/20211122080952/https://www.hud.gov/groups/tenants">State agencies that address tenant rights</a></p></li><li><p><a href="https://web.archive.org/web/20211122080952/https://www.hud.gov/complaints/badlandlord">Agencies that handle complaints</a></p></li></ul><p>You may eventually decide that you need <a href="https://web.archive.org/web/20211122080952/https://www.usa.gov/legal-aid">help from a lawyer</a>. See if you qualify for <a href="https://web.archive.org/web/20211122080952/https://www.lsc.gov/what-legal-aid/find-legal-aid">free legal aid from a non-profit organization</a>.<br/>Direct complaints about housing discrimination or landlords who receive assistance from the federal government to the <a href="https://web.archive.org/web/20211122080952/https://www.hud.gov/complaints_home">U.S. Department of Housing and Urban Development</a>.</p><h3>Before There's a Problem</h3><p>It's best to avoid a dispute if possible.</p><ul><li><p>Understand your lease completely.</p></li><li><p>Keep all correspondence between you and your landlord.</p></li><li><p>Communicate problems early on and in writing, noting date and time of phone calls. </p></li><li><p>Keep proof of rent and deposits paid.</p></li></ul> </article> <article role="complementary" aria-labelledby="item-36622"> <header> <h2 id="item-36622">Complaints About Mortgage Companies</h2> </header><p>If you have a complaint against a mortgage company, try to resolve it with the company first. Several government agencies accept complaints about mortgage lenders. In some cases, you should file your complaint with more than one agency, especially at the federal and state level.</p><h3>Report a Mortgage Company for Discrimination </h3><p>The Consumer Financial Protection Bureau (CFPB) enforces the <a href="https://web.archive.org/web/20211122080952/https://www.consumerfinance.gov/fair-lending/">Equal Credit Opportunity Act</a>. This law prohibits lenders from denying credit because of certain characteristics. <a href="https://web.archive.org/web/20211122080952/https://www.consumerfinance.gov/complaint/">File a complaint with the CFPB</a> if a lender has denied a mortgage application because of your:</p><ul><li>Age</li><li>Sex (including gender)</li><li>Marital status</li><li>Children</li><li>Race</li><li>Nationality or ethnicity</li><li>Religion</li><li>Income from public assistance programs</li></ul><p> </p><p>The Department of Housing and Urban Development (HUD) enforces the <a href="https://web.archive.org/web/20211122080952/https://www.hud.gov/program_offices/fair_housing_equal_opp/fair_lending">Fair Housing Act</a>. This law prohibits discrimination when you rent, buy, or secure financing for a home. Your state may also have a similar law. <a href="https://web.archive.org/web/20211122080952/https://www.hud.gov/program_offices/fair_housing_equal_opp/online-complaint">File a complaint with HUD</a> and the fair housing office in your state if a mortgage company discriminated against you because of your:</p><ul><li>Race</li><li>Color</li><li>National origin</li><li>Religion</li><li>Sex</li><li>Disability</li><li>Presence of children</li></ul><p> </p><h3>File a Complaint About Mortgage Company Services</h3><p><a href="https://web.archive.org/web/20211122080952/https://www.consumerfinance.gov/rules-policy/final-rules/code-federal-regulations/">The CFPB enforces several laws</a>, such as the <a href="https://web.archive.org/web/20211122080952/https://www.ftc.gov/enforcement/statutes/truth-lending-act">Truth in Lending Act</a> and the <a href="https://web.archive.org/web/20211122080952/https://www.hud.gov/hudprograms/respa">Real Estate Settlement Procedures Act</a>. These laws require lenders to disclose information to homebuyers before buying and over the life of the mortgage. <a href="https://web.archive.org/web/20211122080952/https://www.consumerfinance.gov/complaint/">File a complaint with the CFPB</a> if you have a problem with a new or existing mortgage. Examples of common mortgage complaints include:</p><ul><li>Applying for a mortgage</li><li>Receiving loan estimates and closing documents</li><li>Transferring a mortgage to another servicer</li><li>Applying your payments correctly</li><li>Refinancing or modifying a mortgage loan</li><li>Misreporting mortgage account status to you or to credit reporting agencies</li><li>Requiring private mortgage insurance</li><li>Paying additional fees</li></ul><p> </p><h3>Report Deceptive Mortgage Practices and Scams</h3><p><a href="https://web.archive.org/web/20211122080952/https://www.ftc.gov/about-ftc/what-we-do/enforcement-authority">The Federal Trade Commission Act</a> is the primary statute of the Federal Trade Commission (FTC). It states that unfair and deceptive practices affecting commerce are unlawful. <a href="https://web.archive.org/web/20211122080952/https://reportfraud.ftc.gov/#/">Report a mortgage company to the FTC</a> if it makes deceptive statements, omits important facts, or takes misleading actions. Examples include: </p><ul><li>False statements about their ability to offer a loan</li><li>Fees for mortgage services that aren’t provided</li><li><a href="https://web.archive.org/web/20211122080952/https://www.consumer.ftc.gov/articles/debt-collection-faqs">Illegal tactics</a> to collect on mortgage balances</li></ul><p>Also, <a href="https://web.archive.org/web/20211122080952/https://www.usa.gov/state-consumer">file a complaint with your state consumer protection office</a> about a mortgage fraud or scam. Call the <a href="https://web.archive.org/web/20211122080952/https://995hope.org/">HOPE Hotline</a> at <a href="tel:18889954673">1-888-995-HOPE</a> (1-888-995-4673).</p> </article> <article role="complementary" aria-labelledby="item-36122"> <header> <h2 id="item-36122">Identify and Complain about Housing Discrimination</h2> </header><p><a href="https://web.archive.org/web/20211122080952/https://portalapps.hud.gov/AdaptivePages/HUD/welcome.htm">Housing discrimination</a> happens when a housing provider gets in the way of a person renting or buying housing because of their</p><ul><li>Race or color</li><li>Religion</li><li>Sex</li><li>National origin</li><li>Familial status (such as having children)</li><li>Disability</li></ul><p>A housing provider that discriminates against someone could be a landlord or a real estate management company. It could also be a lending institution like a bank or other organization that aids in the homebuying process.</p><p>Housing discrimination is prohibited by the Fair Housing Act. Discrimination covered by the Act can take many forms beyond just raising prices or lying about availability. For example, the Act addresses wheelchair access in some newer properties. <a href="https://web.archive.org/web/20211122080952/https://www.hud.gov/program_offices/fair_housing_equal_opp/fair_housing_act_overview">Learn what the Fair Housing Act covers, how to complain, and how the investigation process works.</a></p><h3>File a Housing Discrimination Complaint</h3><p>If you think you have experienced housing discrimination,</p><ul><li>Complete and submit a <a href="https://web.archive.org/web/20211122080952/https://www.hud.gov/program_offices/fair_housing_equal_opp/online-complaint">Housing Discrimination Complaint Form</a> or </li><li>Contact your regional <a href="https://web.archive.org/web/20211122080952/https://www.hud.gov/program_offices/fair_housing_equal_opp/aboutfheo/fhhubs">HUD office</a></li></ul><h3>LGBTQ Discrimination</h3><p>The Fair Housing Act does not specifically prohibit discrimination based on sexual orientation or gender identity. But discrimination against someone who is lesbian, gay, bisexual, transgender, or queer (LGBTQ) <a href="https://web.archive.org/web/20211122080952/https://www.hud.gov/program_offices/fair_housing_equal_opp/housing_discrimination_and_persons_identifying_lgbtq">may still be in violation of the Act</a> or other state or local regulations. 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