vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: WY

Complaint narrative:
XXXX. AMERICAN EXPRESS ( Charge-Off / Aging Past XXXX Years ) I am disputing a charge-off account reported by American Express ( Acct XXXX ending in XXXX ) which is inaccurately listed on my XXXX XXXX XXXX credit reports. This account has aged beyond the XXXX reporting limit under FCRA 605 ( a ) and should no longer appear. I mailed a formal dispute letter over 30 days ago, and no correction has been made. I am requesting deletion of this account and investigation into noncompliance with the Fair Credit Reporting Act. 
XXXXCFPB COMPLAINT XXXX XXXX XXXX Subject : Inaccurate Charge-Offs/ Validation Failure XXXX XXXX is reporting XXXX charge-off accounts ( Acct # XXXX ending in XXXX and XXXX ) on my XXXX XXXX XXXX credit files. I formally disputed these entries and requested validation of the debt under FCRA 623 ( b ) and FDCPA 809 ( b ). The accounts contain inconsistent balances and inaccurate status updates ( litigation pending ), and no validation has been provided. Over 30 days have passed. I request immediate deletion of these unverifiable accounts and enforcement of FCRA and FDCPA protections. 

XXXX. CFPB COMPLAINT XXXX XXXX XXXX Subject : Inaccurate Late Payments on Closed Account XXXX XXXXXXXX XXXX  continues to report late payments on a fully paid and closed account ( Acct # ending in XXXX ). This is misleading and inaccurate under FCRA 623 ( a ). I disputed this with both the creditor and the bureaus and asked for either correction or deletion. No action has been taken in over 30 days. I respectfully request the CFPB 's assistance to ensure accurate and complete reporting under federal law. 

XXXX. CFPB COMPLAINT XXXX XXXX Subject : CARES Act Violation During Mortgage Forbearance XXXX XXXX is reporting multiple XXXX and XXXX late payments during a period when I was under an approved forbearance agreement due to XXXX hardship. Under the CARES Act ( Section 4021 ), mortgage accounts in forbearance must be reported as current if they were current prior to the relief. I have provided written dispute letters, but no correction has occurred. I request that the CFPB review this matter for compliance with both the CARES Act and FCRA. 

XXXX. CFPB COMPLAINT XXXX Subject : Failure to Investigate and XXXXorrect Credit Report Errors XXXX has failed to properly investigate and correct multiple accounts I formally disputed in writing on [ insert date ]. This includes charge-off accounts from American Express and XXXX, and inaccurately reported lates from XXXX XXXX XXXX XXXX No adequate response or correction was received within 30 days, in violation of FCRA 1681i. I am requesting CFPB enforcement to ensure these inaccurate items are removed or corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SELECT PORTFOLIO SERVICING, INC.
State: AL

Complaint narrative:
I submitted a complete loss mitigation application to Select Portfolio Servicing, Inc. ( SPS ) prior to my bankruptcy dismissal on XX/XX/year>. SPS denied key home retention options, including repayment and deferral plans, solely because I had an active bankruptcy at the time. Their written denial letter dated XX/XX/year>, specifically cited Active Bankruptcy as the reason for denial. 

After my bankruptcy case was dismissed, I requested that my loss mitigation application be reconsidered. SPS refused, stating that I am no longer eligible and must either sell my home or pursue a short sale or deed in lieu of foreclosure. This is a servicing violation under 12 CFR 1024.35 ( b ) ( 11 ) and 12 CFR 1024.41, which prohibit denying review based solely on bankruptcy status unless a court order prevents it. SPS has failed to conduct a new good-faith review based on my current financial situation and changed circumstances. I am now facing foreclosure, and they continue to refuse any home retention options. 

I am requesting that SPS be compelled to : Reopen and fully evaluate my loss mitigation application ; Provide written justification for their continued refusal ; Cease all foreclosure activity until a compliant review is conducted. 

I am also submitting a Notice of Error to SPS in writing and request CFPB oversight to ensure compliance with mortgage servicing laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Big City Finance, LLLP
State: TX

Complaint narrative:
Complainant : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX : XXXX | Email : XXXX Respondent : XXXX XXXX XXXX XXXX XXXX Power Finance Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Subject : Illegal EFT Practices, Excessive APR, and Unlawful Loan Repayment Conduct Summary of Complaint : Between XX/XX/year> and XX/XX/year>, the Respondent debited my personal bank account in a manner inconsistent with the original loan agreement. Specifically : Funds were withdrawn on dates not authorized in the original contract. 

Withdrawal amounts exceeded those disclosed and agreed to. 

The annual percentage rate ( APR ) reached approximately 789.8843 %, which I believe is a clear violation of federal and state usury standards. 

The loan was ultimately paid off due to these unauthorized debits, resulting in overpayment and financial harm. 

Statutes Violated : Electronic Fund Transfer Act ( EFTA ) 15 U.S.C. 1693 et seq. 

Truth in Lending Act ( TILA ) Potential violations of [ Insert State ] usury law Relief Requested : Full refund of all unauthorized and overpaid amounts Civil penalties assessed for predatory lending behavior Written confirmation of all actions taken by the Respondent Attachments : Refund Demand Letter ( dated XX/XX/year> ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VI

Complaint narrative:
Under 15 U.S. CXX/XX/XXXXe XX/XX/XXXXb Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am filing a complaint to formally dispute inaccurate information listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute information I believe to be incorrect or unverifiable. 
Please find below the information I am disputing : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX * Balance Owed : {$720.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX * Balance Owed : {$100.00} XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am filing a complaint to formally dispute inaccurate information listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute information I believe to be incorrect or unverifiable. 
Please find below the information I am disputing : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX * Balance Owed : {$720.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX * Balance Owed : {$100.00} XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: American First Finance, Inc.
State: AZ

Complaint narrative:
Debts sold to other companies from original creditors

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Home Depot delivered a lawn mower in error on XX/XX/year> and the lawn mower was returned but I have been unable to get a credit from the store or the credit card company. 

The attachments show the email and text I received on XX/XX/year> saying the mis-delivered lawn mower was returned and also photos of the Home Depot driver picking up the lawn mower on XX/XX/year>.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
My credit isn't being reported correctly. The FCRA codes aren't being followed After filing disputes and there is so resolve just copy and paste from Experian its sad.

1 ) The Account type is different per reporting Agency.

2 ) The Date the Account was opened differs from all three reporting agencies.

3 ) The number of months, terms are different from each reporting agency.

4 ) The high credit amount differs on all three reports.

5 ) The Last Reported Dates are reporting differently from all three reporting agencies.

6 ) Sold to Velocity Investment/ " EXPERIAN ACCOUNT WAS IN DISPUTE-NOW RESOLVED '' 7 ) Date last active is different from each credit reporting agency 8 ) The Date of Last payment is different with each credit reporting agency.

9 ) The two year payment doesn't match, two of the agencies reporting differently.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
In XX/XX/XXXX, I discovered a 90-day late payment had been reported on my credit report by Dept of Ed/XXXX XXXX which caused my credit score to drop by over 150 points, from 770 to 615 overnight. This severe negative entry occurred without any prior notification, despite the loan being under federally protected forbearance guidelines.

Under the CARES Act ( Section 3513 ) and extended HEROES Act provisions, federally held student loans were not to be reported as delinquent from XX/XX/XXXX through XX/XX/XXXX. Additionally, the Department of Educations official on-ramp period from XX/XX/XXXX to XX/XX/XXXX protects borrowers from derogatory reporting for missed or late payments during this transition. 

At no point was I notified via email, phone, or mail about any delinquency. The servicer had outdated contact information on file, which I later verified when I called them. I immediately submitted dispute letters to Experian and TransUnion, and also sent certified letters to XXXX. 

This derogatory reporting has directly impacted my ability to finalize a business line of credit. I believe this violates the Fair Credit Reporting Act ( FCRA ) and federal student loan credit reporting guidelines.

I am requesting a full investigation, removal of the 90-day late mark, and correction of the account status in my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
At the back end of XXXX, I contacted both Experian and XXXX XXXX XXXX member services to inform them that my XXXX XXXX XXXX ending in XXXX is reporting as closed on my Experian report. My XXXX XXXX XXXX  ending in XXXX is not closed. Neither Experian during their dispute process nor XXXX XXXX XXXX attempted to rectify this discrepancy. In addition, my on-time payment history is not displayed under the payment summary section. Because of this incorrect reporting, my credit score has dropped.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Veristone Mortgage, LLC
State: NJ

Complaint narrative:
I was misled into signing two loans with Veristone XXXXXXXX XXXX, XXXX secured by my home ( XXXX XXXX XXXX XXXX XXXX ) and another tied to XXXX XXXX XXXX XXXX. The broker, XXXX XXXX XXXX, told me I had to sign both deals to get funding for home construction. 

My primary residence was falsely labeled non-owner-occupied. I was instructed to use a different address. I never received any loan funds, yet Im personally liable for over {$300000.00}. Over {$50000.00} was taken in fees and a so-called debt service reserve. 

I believe this loan was deliberately misclassified to evade consumer protection laws like TILA, HOEPA, and RESPA. Ive submitted a full complaint and supporting documentation to NJ Consumer Affairs and am requesting a federal investigation. I am submitting a formal complaint against Veristone XXXXXXXX XXXX, XXXX and associated individuals ( XXXX XXXX XXXX, XXXX XXXX XXXX, and broker XXXX XXXX XXXX, for a predatory lending scheme involving the misclassification of my primary residence as an investment property and failure to disburse loan proceeds. 

Despite being told that {$340000.00} would be available to build a new residence at XXXX XXXX XXXX XXXX, I received no usable funds at closing. Additionally, my home at XXXX XXXX XXXX XXXX XXXX was wrongfully classified as a non-owner-occupied investment, though it was my residence. 

Please see the attached PDF for detailed documentation, including loan documents, corrected HUDs, and complaint letters submitted to the New Jersey Attorney General. 

I am requesting that this issue be investigated as a potential violation of consumer mortgage protections and predatory lending practices.

Company response to consumer: Closed with explanation