{"took":93,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":7289,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"13048626","_score":19.496614,"_source":{"product":"Student loan","complaint_what_happened":"On XX/XX/XXXX, the Department of Education ( \" USDE '' ) processed a {$25000.00} credit to my federal student loans for Loan Forgiveness and Discharge : Borrower Defense and the total amount of my student loans were forgiven. \n\nOn XX/XX/XXXX, I received a letter from Aidvantage, my current servicer, that my student loans were in forebearance due to my loan discharge. This was the first time I was made aware of my student loan discharge. According to my Aidvantage Account History, a {$25000.00} credit was applied to my student loan account on XX/XX/XXXX. I continued to receive account statements up to and including XX/XX/XXXX requiring me to make my student loan payments, which I did. \n\nI have called the USDE numerous times and they have informed me that I am eligible for a full refund of all payments made to date on my student loans and that Aidvantage is responsible for processing my refund. \n\nI have called and emailed Aidvantage at least XXXX ( XXXX ) times and am told to contact USDE for this information. \n\nToday is XX/XX/XXXX, XXXX ( XXXX ) months after Aidvantage received the payment and almost XXXX ( XXXX ) months after they notified me of the payment from the XXXX.","date_sent_to_company":"2025-04-17T08:12:34.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"970XX","tags":null,"has_narrative":true,"complaint_id":"13048626","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Maximus Federal Services, Inc.","date_received":"2025-04-17T07:12:05.000Z","state":"OR","company_public_response":null,"sub_issue":"Received bad information about your loan"},"highlight":{"complaint_what_happened":["Today is XX/XX/XXXX, XXXX ( XXXX ) months <em>after</em> Aidvantage received the <em>payment</em> and almost XXXX ( XXXX ) months <em>after</em> they notified me of the <em>payment</em> from the XXXX."],"product":["<em>Student</em> <em>loan</em>"],"sub_product":["Federal <em>student</em> <em>loan</em> servicing"],"sub_issue":["Received bad information about your <em>loan</em>"]},"sort":[19.496614,"13048626"]},{"_index":"complaint-public-v1","_id":"2198887","_score":19.480814,"_source":{"product":"Student loan","complaint_what_happened":"My student loans were transferred/sold through several different places and I could n't find the company that had bought them. My credit file shows missed payments from XX/XX/XXXX through XX/XX/XXXX ( 11 missed payments ). Nelnet had my student loans at this point but I did not know who had my student loans. I called multiple places to try to find where my student loans where, but know one could tell me anything. I also moved from my original residence after completing college. I make my student loan payments monthly since learning that Nelnet had them. The missed payments were not my fault because I did not know where the student loans where.","date_sent_to_company":"2016-11-07T15:33:51.000Z","issue":"Dealing with my lender or servicer","sub_product":"Federal student loan servicing","zip_code":"37917","tags":null,"has_narrative":true,"complaint_id":"2198887","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2016-11-07T15:33:51.000Z","state":"TN","company_public_response":null,"sub_issue":"Trouble with how payments are handled"},"highlight":{"complaint_what_happened":["I make my <em>student</em> <em>loan</em> <em>payments</em> monthly since learning that Nelnet had them. The missed <em>payments</em> <em>were</em> not my fault because I did not know where the <em>student</em> <em>loans</em> where."],"product":["<em>Student</em> <em>loan</em>"],"sub_product":["Federal <em>student</em> <em>loan</em> servicing"],"sub_issue":["Trouble with how <em>payments</em> are handled"]},"sort":[19.480814,"2198887"]},{"_index":"complaint-public-v1","_id":"3468829","_score":19.406536,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"There was Monthly Payment Agreement of {$460.00} with the alleged student loan servicer-XXXX XXXX XXXX [ Employee ID XXXX ] per the Recorded Voice Conversation. \nThere were/are multiple notifications by the alleged student loan servicer-XXXX for overpayment from my bank account. Yet the alleged student loan servicer-XXXX   continues to take this money automatically from my bank account and continues to record non-payment of this private student loan with late fees. \nThis willful fraud was conducted, since the inception of this private student loan The alleged student loan servicerXXXX continues to Defraud and Create a Fraudulent Loan Balance of this private student loan with Late Fees, even after taking illegally withdrawing Excess Funds from my Bank Account XXXX XXXX and Trans Union reported Fraudulent Loan Balance of this private student loan and violated FCRA without proper verification of the Loan Balance of this private student loan, even after two ( 2 ) previous requests.","date_sent_to_company":"2019-12-15T05:36:33.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"92887","tags":null,"has_narrative":true,"complaint_id":"3468829","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2019-12-15T05:36:31.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["There was Monthly <em>Payment</em> Agreement of {$460.00} with the alleged <em>student</em> <em>loan</em> servicer-XXXX XXXX XXXX [ Employee ID XXXX ] per the Recorded Voice Conversation. \nThere <em>were</em>/are multiple notifications by the alleged <em>student</em> <em>loan</em> servicer-XXXX for overpayment from my bank account. Yet the alleged <em>student</em> <em>loan</em> servicer-XXXX   continues to take this money automatically from my bank account and continues to record non-<em>payment</em> of this private <em>student</em> <em>loan</em> with late fees."]},"sort":[19.406536,"3468829"]},{"_index":"complaint-public-v1","_id":"3468830","_score":19.402721,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"There was Monthly Payment Agreement of {$460.00} with the alleged student loan servicer-XXXX  XXXX XXXX [ Employee ID XXXX ] per the Recorded Voice Conversation. \nThere were/are multiple notifications by the alleged student loan servicer-XXXXt for overpayment from my bank account. Yet the alleged student loan servicerXXXX   continues to take this money automatically from my bank account and continues to record non-payment of this private student loan with late fees. \nThis willful fraud was conducted, since the inception of this private student loan The alleged student loan servicer-XXXX continues to Defraud and Create a Fraudulent Loan Balance of this private student loan with Late Fees, even after taking illegally withdrawing Excess Funds from my Bank Account XXXX  Equifax and XXXX XXXX reported Fraudulent Loan Balance of this private student loan and violated FCRA without proper verification of the Loan Balance of this private student loan, even after two ( 2 ) previous requests.","date_sent_to_company":"2019-12-15T05:36:33.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"92887","tags":null,"has_narrative":true,"complaint_id":"3468830","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2019-12-15T05:36:31.000Z","state":"CA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["There was Monthly <em>Payment</em> Agreement of {$460.00} with the alleged <em>student</em> <em>loan</em> servicer-XXXX  XXXX XXXX [ Employee ID XXXX ] per the Recorded Voice Conversation. \nThere <em>were</em>/are multiple notifications by the alleged <em>student</em> <em>loan</em> servicer-XXXXt for overpayment from my bank account. Yet the alleged <em>student</em> <em>loan</em> servicerXXXX   continues to take this money automatically from my bank account and continues to record non-<em>payment</em> of this private <em>student</em> <em>loan</em> with late fees."]},"sort":[19.402721,"3468830"]},{"_index":"complaint-public-v1","_id":"8452445","_score":19.385807,"_source":{"product":"Student loan","complaint_what_happened":"I overpaid on some of my student loans and then some student loans were forgiven through the PSLF. I had asked when the overpayments were going to be applied to the student loans who have not been forgiven yet. I was provided a vague response after waiting for an email response from MOHELA for more than a month. They have an over payment yet I am receiving punctual monthly bills to pay my student loans without an adjustment.","date_sent_to_company":"2024-03-02T03:40:38.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"799XX","tags":null,"has_narrative":true,"complaint_id":"8452445","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"MOHELA","date_received":"2024-03-02T03:30:09.000Z","state":"TX","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Trouble with how payments are being handled"},"highlight":{"complaint_what_happened":["I overpaid on some of my <em>student</em> <em>loans</em> and then some <em>student</em> <em>loans</em> <em>were</em> forgiven through the PSLF. I had asked when the overpayments <em>were</em> going to be applied to the <em>student</em> <em>loans</em> who have not been forgiven yet. I was provided a vague response <em>after</em> waiting for an email response from MOHELA for more than a month. They have an over <em>payment</em> yet I am receiving punctual monthly bills to pay my <em>student</em> <em>loans</em> without an adjustment."],"product":["<em>Student</em> <em>loan</em>"],"sub_product":["Federal <em>student</em> <em>loan</em> servicing"],"sub_issue":["Trouble with how <em>payments</em> are being handled"]},"sort":[19.385807,"8452445"]},{"_index":"complaint-public-v1","_id":"6297324","_score":19.352726,"_source":{"product":"Student loan","complaint_what_happened":"Several years ago me and my wife co-signed several student loans with Sallie Mae for our nephew XXXX XXXX. The loans were spread over XXXX years in excess of {$100000.00}. \nShortly after he defaulted on the first payment, Sallie Mae began harassing me and my wife by placing robo-calls to both of our job sites. The robo-calls seemed to be happening every 15 minutes. My wife got in trouble at her job and I contacted Sallie Mae to avoid getting in trouble at my job. We lost all contact with the student ( primary borrower ) XXXX XXXX. \n\nWhile making the monthly payments, I contacted Sallie Mae and asked if they were still going after the primary borrower for collection. They said \" no '', that once they have the cosigners paying they no longer persue the student for payment. So we were basically stuck with the entire student loan obligation based on how Sallie Mae does things. \n\nAfter paying for almost a year, Sallie Mae \" jacked up '' the loan interest rate. Still having no contact with the student, we tried to refinance at a lower rate. This was very difficult in that most of the student loan refinancing companies will only deal with the primary borrower. We did eventually find one, XXXX XXXX, to refinance the {$100000.00} student loans. But now the loans are in our name and it looks like XXXX XXXX is \" off the hook '' for any of the obligation even though he's the only one to benefit from these loans.","date_sent_to_company":"2023-01-04T18:51:47.000Z","issue":"Dealing with your lender or servicer","sub_product":"Private student loan","zip_code":"065XX","tags":"Older American","has_narrative":true,"complaint_id":"6297324","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SLM CORPORATION","date_received":"2022-12-09T00:36:18.000Z","state":"CT","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Trouble with how payments are being handled"},"highlight":{"complaint_what_happened":["We lost all contact with the <em>student</em> ( primary borrower ) XXXX XXXX. \n\nWhile making the monthly <em>payments</em>, I contacted Sallie Mae and asked if they <em>were</em> still going <em>after</em> the primary borrower for collection. They said \" no '', that once they have the cosigners paying they no longer persue the <em>student</em> for <em>payment</em>. So we <em>were</em> basically stuck with the entire <em>student</em> <em>loan</em> obligation based on how Sallie Mae does things."],"product":["<em>Student</em> <em>loan</em>"],"sub_product":["Private <em>student</em> <em>loan</em>"],"sub_issue":["Trouble with how <em>payments</em> are being handled"]},"sort":[19.352726,"6297324"]},{"_index":"complaint-public-v1","_id":"6536193","_score":19.351278,"_source":{"product":"Student loan","complaint_what_happened":"Kentucky Higher Education Student Loan Corporation. \n\nSigned the loan expecting deferred payment. Turns out that it was not deferred, and company lied to my mother ( she cosigned ) and I multiple times about payments.We called multiple times and were told that our payments were deferred until after my graduation in XXXX. We were told it was deferred Then, we suddenly get contacted and told we owe payments by XX/XX/XXXX. After numerous attempts to contact the company, we were put on hold for days with an advisor named XXXX. She steamrolled us, not allowing any questions, and then changed the loan into a deferred payment, upping the interest rate to 6 %. This means the {$400.00} payment is now {$590.00}. I did not sign for the {$590.00} payment, or a non deferred loan. What company provides immediate payment student loans? How am I supposed to repay {$590.00} payments a month as a XXXX XXXX XXXX? This is a morally unjust practice, and XXXX implied that this happened to multiple other students. \n\nXXXX said it is due to their system not processing loans as deferred. Why am I being forced to hike my interest because their system failed? That is a breach of our student loan borrowing agreement and needs to be rectified. I am not even able to access loan documents, being even more shady. \n\nWhy are we, as full time students, getting screwed over by incompetent lenders? My paperwork specifically mentioned the deferment until after graduation. This means they breached a federally binding contract, and should be investigated. Their website is also very shallow and does not offer assistance at all, even seeming predatory. \n\nI am making this complaint on behalf of myself and every other loan borrower from XXXX, and I urge the CFPB to look into this predatory company. Incompetence seems to XXXX  from every XXXX  of this organization, and it is not fair that hard working student loan borrowers like myself get punished for their XXXX.","date_sent_to_company":"2023-02-06T21:32:03.000Z","issue":"Dealing with your lender or servicer","sub_product":"Private student loan","zip_code":"27591","tags":null,"has_narrative":true,"complaint_id":"6536193","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Kentucky Higher Education Assistance Authority","date_received":"2023-02-06T21:15:58.000Z","state":"NC","company_public_response":null,"sub_issue":"Received bad information about your loan"},"highlight":{"complaint_what_happened":["Kentucky Higher Education <em>Student</em> <em>Loan</em> Corporation. \n\nSigned the <em>loan</em> expecting deferred <em>payment</em>. Turns out that it was not deferred, and company lied to my mother ( she cosigned ) and I multiple times about <em>payments</em>.We called multiple times and <em>were</em> told that our <em>payments</em> <em>were</em> deferred until <em>after</em> my graduation in XXXX. We <em>were</em> told it was deferred Then, we suddenly get contacted and told we owe <em>payments</em> by XX/XX/XXXX."],"product":["<em>Student</em> <em>loan</em>"],"sub_product":["Private <em>student</em> <em>loan</em>"],"sub_issue":["Received bad information about your <em>loan</em>"]},"sort":[19.351278,"6536193"]},{"_index":"complaint-public-v1","_id":"2556814","_score":19.280235,"_source":{"product":"Student loan","complaint_what_happened":"My complaint is regarding XXXX XXXX now Navients allocation of my Student Loan Payments. In 2011, I entered into an agreement with my employer ( XXXX XXXX XXXX ) for Student Loan repayment. In total my agency agreed to pay {$30000.00} over 3 years. Each pay period my pay office automatically paid {$380.00} to my student loans for a total of {$760.00} per month. When the payment was set up, I requested that after the monthly required payment was satisfied, the balance of my payment would go to the principal balance of the loan. Navient did not allocate my payment this way, instead telling me the payments were being applied the nexts months payment. When I discovered this I called and asked Navient to correct the issues and was told they could only correct the previous two payments. This continued over the course of my student loan repayment agreement. I called multiple times and the payments were still not properly allocated. I started with a balance of $ XXXX and after 3 years of making {$760.00} a month payments, my loan balance only went down $ XXXX.","date_sent_to_company":"2017-06-22T20:19:55.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"20774","tags":null,"has_narrative":true,"complaint_id":"2556814","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2017-06-22T19:45:43.000Z","state":"MD","company_public_response":null,"sub_issue":"Trouble with how payments are being handled"},"highlight":{"complaint_what_happened":["I called multiple times and the <em>payments</em> <em>were</em> still not properly allocated. I started with a balance of $ XXXX and <em>after</em> 3 years of making {$760.00} a month <em>payments</em>, my <em>loan</em> balance only went down $ XXXX."],"product":["<em>Student</em> <em>loan</em>"],"sub_product":["Federal <em>student</em> <em>loan</em> servicing"],"sub_issue":["Trouble with how <em>payments</em> are being handled"]},"sort":[19.280235,"2556814"]},{"_index":"complaint-public-v1","_id":"1895281","_score":19.268858,"_source":{"product":"Student loan","complaint_what_happened":"When a Chapter XXXX Bankruptcy was filed in 2008, the student loans were in default and assigned to XXXX collection agencies, XXXX XXXX XXXX and XXXX XXXX XXXX. Appx. {$42000.00} was claimed and during the XXXX XXXX, appx {$25000.00} in payments were made. Upon beginning a repayment plan after bankruptcy was completed, I consolidated what I thought was left with Navient. Navient has {$52000.00} in student loans due and owing. No where in any student loan payment ( as far as I can see ) does it show the principle balances of {$15000.00}, {$6200.00} and {$3300.00} was applied to my student loan debt. I have opened a case with the obudsman group but they are also having difficulty finding what payments were applied and where. I can via my bankruptcy paperwork show the principal amounts that were paid and listed above. \nNavient does not answer emails, etc and I can not afford a {$600.00} a month student loan payment. Please advise.","date_sent_to_company":"2016-04-25T17:56:31.000Z","issue":"Dealing with my lender or servicer","sub_product":"Federal student loan servicing","zip_code":"492XX","tags":null,"has_narrative":true,"complaint_id":"1895281","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2016-04-25T17:56:30.000Z","state":"MI","company_public_response":null,"sub_issue":"Trouble with how payments are handled"},"highlight":{"complaint_what_happened":["When a Chapter XXXX Bankruptcy was filed in 2008, the <em>student</em> <em>loans</em> <em>were</em> in default and assigned to XXXX collection agencies, XXXX XXXX XXXX and XXXX XXXX XXXX. Appx. {$42000.00} was claimed and during the XXXX XXXX, appx {$25000.00} in <em>payments</em> <em>were</em> made. Upon beginning a repayment plan <em>after</em> bankruptcy was completed, I consolidated what I thought was left with Navient. Navient has {$52000.00} in <em>student</em> <em>loans</em> due and owing."],"product":["<em>Student</em> <em>loan</em>"],"sub_product":["Federal <em>student</em> <em>loan</em> servicing"],"sub_issue":["Trouble with how <em>payments</em> are handled"]},"sort":[19.268858,"1895281"]},{"_index":"complaint-public-v1","_id":"5161830","_score":19.22363,"_source":{"product":"Student loan","complaint_what_happened":"I have been employed continuously with the Government since XX/XX/XXXX and I have had student loan from XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) and FedLoan Servicing. My Non-Direct loans from both XXXX and Fedloan Servicing were consolidated into Direct Consolidation Loans in XX/XX/XXXX and were transferred to Fedloan Servicing. After consolidation the amount were as : Direct Consolidated Loan ( Subsidized ) {$18000.00} Direct Consolidated Loan ( Unsubsidized ) {$21000.00} In addition to the loans above, I had {$13000.00} Direct Student Loan with Fedloans Servicing which I did not consolidate in XX/XX/XXXX, since I have already made some XXXX qualified payments on it and if consolidated, I could lose those qualified payments. \nHowever, after XX/XX/XXXX, when Education Department announced the XXXX waiver, due to the loosening XXXX qualified payments program, my consolidated loan, became eligible for forgiveness due to its XXXX qualified payments. \nBased on the XXXX waiver program, If I could consolidate all of my loans, my entire student loans ( {$18000.00} + {$21000.00} + {$13000.00} ) could be forgiven. In accordance with the XXXX waiver information on XXXX department website ( Link is shown in the attachment ), the new consolidation loan would be credited with the largest number of payments of the loans that were consolidated. In my case, since I have already made XXXX qualified payments on two of my loans, consolidating the entire student loan, could be given credit of XXXX payments for all of my loans and could make them eligible for forgiveness. \nAfter I called the Ed Department and got their OK, I consolidated all of my loans ( {$18000.00} + {$21000.00} + {$13000.00} ) in order to get all of my loans forgiven in accordance with the XXXX waiver. \nHowever, before, my new consolidation get processed by Fedloan Servicing, they sent me a letter stating that some of my student loan was forgiven ( {$18000.00} + {$21000.00} ) and left me with a balance of {$13000.00}. \nAnd Finally on XX/XX/XXXX, they sent me another notification stating my loans couldnt be consolidated since the two Forgiven loans have a balance of 0. \nI called Fedloan but they kept saying that if they allowed my loans get consolidated, I could lose the qualified payments for the two forgiven student loans. They did not have enough information regarding the new XXXX waiver that Consolidation will NOT reset the XXXX count and it does not matter how many times you consolidate your loans, what matters for the XXXX waiver is if the loan ( before or after consolidation or multiple consolidations ) were in repayment and if you made XXXX payments on the student loans and if you were employed by a qualified employer.","date_sent_to_company":"2022-01-28T20:40:38.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"84070","tags":null,"has_narrative":true,"complaint_id":"5161830","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AES/PHEAA","date_received":"2022-01-28T19:59:16.000Z","state":"UT","company_public_response":null,"sub_issue":"Received bad information about your loan"},"highlight":{"complaint_what_happened":["<em>After</em> consolidation the amount <em>were</em> as : Direct Consolidated <em>Loan</em> ( Subsidized ) {$18000.00} Direct Consolidated <em>Loan</em> ( Unsubsidized ) {$21000.00} In addition to the <em>loans</em> above, I had {$13000.00} Direct <em>Student</em> <em>Loan</em> with Fedloans Servicing which I did not consolidate in XX/XX/XXXX, since I have already made some XXXX qualified <em>payments</em> on it and if consolidated, I could lose those qualified <em>payments</em>."],"product":["<em>Student</em> <em>loan</em>"],"sub_product":["Federal <em>student</em> <em>loan</em> servicing"],"sub_issue":["Received bad information about your <em>loan</em>"]},"sort":[19.22363,"5161830"]},{"_index":"complaint-public-v1","_id":"2310380","_score":19.207148,"_source":{"product":"Student loan","complaint_what_happened":"My student loan balance increase each year after being deferred or on forbrance. My payments were high on my loans. I was told to put my loans on forbrance for and apply for a low income payment. My loans were suppose to be at XXXX XXXX but because of the interest my balance is XXXX XXXX. I do not know if you all can help. I did see in the night news that XXXX / XXXX did not inform students with the interest rate going up so high. I was XXXX of those students. I have not be able to purschase a home because my student loan debt has me drowning in debt.","date_sent_to_company":"2017-02-09T17:21:16.000Z","issue":"Can't repay my loan","sub_product":"Federal student loan servicing","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"2310380","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2017-01-26T00:43:31.000Z","state":"TX","company_public_response":null,"sub_issue":"Can't decrease my monthly payments"},"highlight":{"complaint_what_happened":["My <em>student</em> <em>loan</em> balance increase each year <em>after</em> being deferred or on forbrance. My <em>payments</em> <em>were</em> high on my <em>loans</em>. I was told to put my <em>loans</em> on forbrance for and apply for a low income <em>payment</em>. My <em>loans</em> <em>were</em> suppose to be at XXXX XXXX but because of the interest my balance is XXXX XXXX. I do not know if you all can help. I did see in the night news that XXXX / XXXX did not inform <em>students</em> with the interest rate going up so high. I was XXXX of those <em>students</em>."],"product":["<em>Student</em> <em>loan</em>"],"issue":["Can't repay my <em>loan</em>"],"sub_product":["Federal <em>student</em> <em>loan</em> servicing"],"sub_issue":["Can't decrease my monthly <em>payments</em>"]},"sort":[19.207148,"2310380"]},{"_index":"complaint-public-v1","_id":"3509499","_score":19.162516,"_source":{"product":"Student loan","complaint_what_happened":"My student loans were handled through XXXX until I submitted the request for public student loan forgiveness for social workers in XXXX. In summer XXXX, my loans were transferred to FedLoan Servicing. At that time, they informed me that they will need a few months to sort out my number of payments from XXXX to give me an accurate number of student loan payments made toward the required XXXX. After a few months, I contacted them again and each person I spoke to did not give me any information, stating it was still under investigation. Finally after they were investigating for a year ( so in summer XXXX ) I was adamant for answers and was told it was not counting my loans from all the years prior because I was delinquent in my XXXX loans supposedly and behind on payments. Obviously I panicked because I was never behind ever so I contacted XXXX who sent me documents proving I was not behind on payments ever and I sent them to FedLoan. However, they still refuse to give me additional information, still refuse to count my years of payments toward the loan forgiveness, and overall are poor at communicating and helping. They claim that I made only 10 payments when I have made payments every month since XX/XX/XXXX, meaning at least 48 payments. They are taking advantage of people and their privilege to be the company designated for student loan forgiveness programs and Ive had enough.","date_sent_to_company":"2020-01-25T13:45:21.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"105XX","tags":null,"has_narrative":true,"complaint_id":"3509499","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"AES/PHEAA","date_received":"2020-01-25T13:35:31.000Z","state":"NY","company_public_response":null,"sub_issue":"Trouble with how payments are being handled"},"highlight":{"complaint_what_happened":["My <em>student</em> <em>loans</em> <em>were</em> handled through XXXX until I submitted the request for public <em>student</em> <em>loan</em> forgiveness for social workers in XXXX. In summer XXXX, my <em>loans</em> <em>were</em> transferred to Fed<em>Loan</em> Servicing. At that time, they informed me that they will need a few months to sort out my number of <em>payments</em> from XXXX to give me an accurate number of <em>student</em> <em>loan</em> <em>payments</em> made toward the required XXXX."],"product":["<em>Student</em> <em>loan</em>"],"sub_product":["Federal <em>student</em> <em>loan</em> servicing"],"sub_issue":["Trouble with how <em>payments</em> are being handled"]},"sort":[19.162516,"3509499"]},{"_index":"complaint-public-v1","_id":"2298382","_score":19.080948,"_source":{"product":"Student loan","complaint_what_happened":"I have had a student loan with Navient student loan company since 2012. I have been in touch with this company several times. I realized after 2 years I was making double payments on this loan. I was mailing a payment and then they were taking the payment autopay every month. When I realized this I looked into it and they were charging me interest on both payments and not applying a payment directly to principal. When contacting the company I was hung up on several times and re routed to several people. I was basically told that is how it works because student loans are designed to be payed off within the payment plan originally chosen and that penalties were given if the loan was paid off before the desired payoff year. If I did n't get charged extra interest my loan would of been paid off","date_sent_to_company":"2017-01-19T17:02:01.000Z","issue":"Dealing with my lender or servicer","sub_product":"Non-federal student loan","zip_code":"13021","tags":null,"has_narrative":true,"complaint_id":"2298382","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2017-01-19T17:02:00.000Z","state":"NY","company_public_response":null,"sub_issue":"Trouble with how payments are handled"},"highlight":{"complaint_what_happened":["I have had a <em>student</em> <em>loan</em> with Navient <em>student</em> <em>loan</em> company since 2012. I have been in touch with this company several times. I realized <em>after</em> 2 years I was making double <em>payments</em> on this <em>loan</em>. I was mailing a <em>payment</em> and then they <em>were</em> taking the <em>payment</em> autopay every month. When I realized this I looked into it and they <em>were</em> charging me interest on both <em>payments</em> and not applying a <em>payment</em> directly to principal."],"product":["<em>Student</em> <em>loan</em>"],"sub_product":["Non-federal <em>student</em> <em>loan</em>"],"sub_issue":["Trouble with how <em>payments</em> are handled"]},"sort":[19.080948,"2298382"]},{"_index":"complaint-public-v1","_id":"20279396","_score":19.0722,"_source":{"product":"Student loan","complaint_what_happened":"I have been paying on student loans since XXXX. \nI am eligible for pslf. My loans with XXXX XXXX and XXXX were consolidated into a direct loan in XXXX. \nThe payments made from XXXX are not reflected in national student loan database. Or on my student XXXX XXXX account. \nThe payments from XXXX should be counted towards my pslf after the waiver was applied in XXXX. Those payments are lost. \n\nI submitted a complaint with student XXXX XXXX in XX/XX/XXXX. I uploaded all of the bank statements from XXXX showing those loan payments with XXXX XXXX and XXXX. \n\nI have spoken to customer service with XXXX and they said that I needed to talk to student XXXX XXXX because the payments were not transferred when my loans were consolidated again for the waiver. \n\nThere has been no activity on my complaint in a year. I should be issued a refund for over XXXX payments made past my XXXX required payments for pslf. \n\nI wil make my last payment in XX/XX/XXXX. I am concerned that this will be dropped, and I will not receive a refund. \n\nI am not sure where to go from here. \n\nMy XXXX  payments were also on my credit report but that has is no longer showing up due to it being past XXXX years.","date_sent_to_company":"2026-03-15T12:45:17.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"48823","tags":null,"has_narrative":true,"complaint_id":"20279396","timely":"No","company_response":"Untimely response","submitted_via":"Web","company":"Servicer under contract with Federal Student Aid","date_received":"2026-03-15T12:29:26.000Z","state":"MI","company_public_response":null,"sub_issue":"Trouble with how payments are being handled"},"highlight":{"complaint_what_happened":["I have been paying on <em>student</em> <em>loans</em> since XXXX. \nI am eligible for pslf. My <em>loans</em> with XXXX XXXX and XXXX <em>were</em> consolidated into a direct <em>loan</em> in XXXX. \nThe <em>payments</em> made from XXXX are not reflected in national <em>student</em> <em>loan</em> database. Or on my <em>student</em> XXXX XXXX account. \nThe <em>payments</em> from XXXX should be counted towards my pslf <em>after</em> the waiver was applied in XXXX. Those <em>payments</em> are lost. \n\nI submitted a complaint with <em>student</em> XXXX XXXX in XX/XX/XXXX."],"product":["<em>Student</em> <em>loan</em>"],"company":["Servicer under contract with Federal <em>Student</em> Aid"],"sub_product":["Federal <em>student</em> <em>loan</em> servicing"],"sub_issue":["Trouble with how <em>payments</em> are being handled"]},"sort":[19.0722,"20279396"]},{"_index":"complaint-public-v1","_id":"8615035","_score":19.013893,"_source":{"product":"Student loan","complaint_what_happened":"I made student loan payments in XXXX and XXXX, and they were listed as received in my account. This month I got a notification that neither of my student loan payments were received and that I am now in delinquency. I attempted to make the late payments, but I keep receiving emails that my bank declined the payments. At first my account says that my payments were accepted, and then it says they were declined and late weeks after the fact. I'm really frustrated because now it's asking for 3x my normal student loan payment and saying I am in delinquency. I can't make a huge payment at the moment and it's troubling that my payments were never received and I wasn't notified. My loan servicer is Edfinancial services. I tried calling and they never pick up and I sent and email and haven't heard back. I don't know what to do.","date_sent_to_company":"2024-03-23T20:33:32.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"8615035","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"EdFinancial Services","date_received":"2024-03-23T20:20:46.000Z","state":"CA","company_public_response":null,"sub_issue":"Trouble with how payments are being handled"},"highlight":{"complaint_what_happened":["I made <em>student</em> <em>loan</em> <em>payments</em> in XXXX and XXXX, and they <em>were</em> listed as received in my account. This month I got a notification that neither of my <em>student</em> <em>loan</em> <em>payments</em> <em>were</em> received and that I am now in delinquency. I attempted to make the late <em>payments</em>, but I keep receiving emails that my bank declined the <em>payments</em>. At first my account says that my <em>payments</em> <em>were</em> accepted, and then it says they <em>were</em> declined and late weeks <em>after</em> the fact."],"product":["<em>Student</em> <em>loan</em>"],"sub_product":["Federal <em>student</em> <em>loan</em> servicing"],"sub_issue":["Trouble with how <em>payments</em> are being handled"]},"sort":[19.013893,"8615035"]},{"_index":"complaint-public-v1","_id":"11764383","_score":19.004673,"_source":{"product":"Student loan","complaint_what_happened":"From XXXX XXXX, during the XXXX student loan interest forbearance, my student loans continued to accrue interest and deduct interest from my payments. I continued to make payments on my loans and interest continued to accrue and be deducted from payments. I attempted to contact the company during this time with no response except that there was an error. Shortly after, my loans were transferred services.","date_sent_to_company":"2025-01-24T13:45:25.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"31324","tags":"Servicemember","has_narrative":true,"complaint_id":"11764383","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2025-01-24T13:35:39.000Z","state":"GA","company_public_response":null,"sub_issue":"Don't agree with the fees charged"},"highlight":{"complaint_what_happened":["From XXXX XXXX, during the XXXX <em>student</em> <em>loan</em> interest forbearance, my <em>student</em> <em>loans</em> continued to accrue interest and deduct interest from my <em>payments</em>. I continued to make <em>payments</em> on my <em>loans</em> and interest continued to accrue and be deducted from <em>payments</em>. I attempted to contact the company during this time with no response except that there was an error. Shortly <em>after</em>, my <em>loans</em> <em>were</em> transferred services."],"product":["<em>Student</em> <em>loan</em>"],"sub_product":["Federal <em>student</em> <em>loan</em> servicing"]},"sort":[19.004673,"11764383"]},{"_index":"complaint-public-v1","_id":"7838803","_score":18.981716,"_source":{"product":"Student loan","complaint_what_happened":"Several of my now student loans were included in a XXXX XXXX XXXX  and payments were made until discharged. After my XXXX XXXX was discharged I still had to resume payments on my student loans. I've since filed for loan forgiveness and income driven repayment. My loans currently exceed {$90000.00} today. My journey began in the late XXXX to early XXXX through today with several forbearances and hardships filed.","date_sent_to_company":"2023-11-11T13:56:30.000Z","issue":"Struggling to repay your loan","sub_product":"Federal student loan servicing","zip_code":"30088","tags":null,"has_narrative":true,"complaint_id":"7838803","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2023-11-11T13:30:40.000Z","state":"GA","company_public_response":null,"sub_issue":"Problem with forgiveness, cancellation, or discharge"},"highlight":{"complaint_what_happened":["Several of my now <em>student</em> <em>loans</em> <em>were</em> included in a XXXX XXXX XXXX  and <em>payments</em> <em>were</em> made until discharged. <em>After</em> my XXXX XXXX was discharged I still had to resume <em>payments</em> on my <em>student</em> <em>loans</em>. I've since filed for <em>loan</em> forgiveness and income driven repayment. My <em>loans</em> currently exceed {$90000.00} today. My journey began in the late XXXX to early XXXX through today with several forbearances and hardships filed."],"product":["<em>Student</em> <em>loan</em>"],"issue":["Struggling to repay your <em>loan</em>"],"sub_product":["Federal <em>student</em> <em>loan</em> servicing"]},"sort":[18.981716,"7838803"]},{"_index":"complaint-public-v1","_id":"5455472","_score":18.954622,"_source":{"product":"Student loan","complaint_what_happened":"I have student federal student loans which were initially going through XXXX XXXX back in XXXX. Those loans were then transferred by XXXX XXXX to XXXX a few years later. I was set up on and XXXX payment and as told that I would be eligible for loan forgiveness after 25 years. I then went back to school in the fall of XXXX and did not take any more loans during that time. I called XXXX in XXXX to find out all of the details and best options for paying my student loans while I was going to school and was encouraged to put my loans into forbearance. After finishing my schooling in XXXX of XXXX, I started making payments again. At that time I was told that because my loans were put into forbearance, my timeline of loan forgiveness would start over. I was unaware of this or I would never have put my loans into forbearance. I feel that I was misled in what my best options were and feel that those years that I was in forbearance should be counted toward my years leading up to loan forgiveness.","date_sent_to_company":"2022-04-26T17:06:31.000Z","issue":"Struggling to repay your loan","sub_product":"Federal student loan servicing","zip_code":"84015","tags":null,"has_narrative":true,"complaint_id":"5455472","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Maximus Federal Services, Inc.","date_received":"2022-04-16T21:55:43.000Z","state":"UT","company_public_response":null,"sub_issue":"Can't get other flexible options for repaying your loan"},"highlight":{"complaint_what_happened":["I have <em>student</em> federal <em>student</em> <em>loans</em> which <em>were</em> initially going through XXXX XXXX back in XXXX. Those <em>loans</em> <em>were</em> then transferred by XXXX XXXX to XXXX a few years later. I was set up on and XXXX <em>payment</em> and as told that I would be eligible for <em>loan</em> forgiveness <em>after</em> 25 years. I then went back to school in the fall of XXXX and did not take any more <em>loans</em> during that time."],"product":["<em>Student</em> <em>loan</em>"],"issue":["Struggling to repay your <em>loan</em>"],"sub_product":["Federal <em>student</em> <em>loan</em> servicing"],"sub_issue":["Can't get other flexible options for repaying your <em>loan</em>"]},"sort":[18.954622,"5455472"]},{"_index":"complaint-public-v1","_id":"7079603","_score":18.926252,"_source":{"product":"Student loan","complaint_what_happened":"I took out 6 different student loans with XXXX XXXX XXXX XXXX while I was in graduate school from XXXX at the XXXX XXXX XXXX XXXX XXXX XXXX These private student loans were taken out as direct consumer student loans, not certified by the school, and they were in excess of the federal student loans awarded to me by the school. After completing the XXXX XXXX program, I was gainfully employed and made good faith payments toward the 6 different private student loans ( serviced by AES ) from approximately XXXX through approximately XXXX. During that time period, I was laid off from my job in XXXX but still continued to make the payments for each loan. I contacted the servicer and tried to make arrangements to defer payments or lower the payments while I remained unemployed. The servicer denied my requests despite explaining my current financial situation. I was told private student loans do not have deferment plans or income-based repayment plans like federal student loans. By XXXX I had to sell my home just to continue making the loan payments and avoid default. My unemployment status had not changed and by XXXX, I could no longer keep up with the payments. I filed for XXXX XXXX bankruptcy in XX/XX/XXXX and the discharge was XX/XX/XXXX. I believe the private student loans should have been dischargeable under the XXXX XXXX bankruptcy order since they were Direct to Consumer loans. I am now being sued in XXXX XXXX XXXX XXXX by National Collegiate Trust for each of the 6 private student loans.","date_sent_to_company":"2023-06-23T14:49:59.000Z","issue":"Struggling to repay your loan","sub_product":"Private student loan","zip_code":"22182","tags":null,"has_narrative":true,"complaint_id":"7079603","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSWORLD SYSTEMS INC","date_received":"2023-06-06T19:18:44.000Z","state":"VA","company_public_response":null,"sub_issue":"Can't temporarily delay making payments"},"highlight":{"complaint_what_happened":["I took out 6 different <em>student</em> <em>loans</em> with XXXX XXXX XXXX XXXX while I was in graduate school from XXXX at the XXXX XXXX XXXX XXXX XXXX XXXX These private <em>student</em> <em>loans</em> <em>were</em> taken out as direct consumer <em>student</em> <em>loans</em>, not certified by the school, and they <em>were</em> in excess of the federal <em>student</em> <em>loans</em> awarded to me by the school."],"product":["<em>Student</em> <em>loan</em>"],"issue":["Struggling to repay your <em>loan</em>"],"sub_product":["Private <em>student</em> <em>loan</em>"],"sub_issue":["Can't temporarily delay making <em>payments</em>"]},"sort":[18.926252,"7079603"]},{"_index":"complaint-public-v1","_id":"6874364","_score":18.923437,"_source":{"product":"Student loan","complaint_what_happened":"I have been paying the Oklahoma Student Loan Authority for my Federal Stafford Loans since XXXX after making over 10 years of payments I realized that none of my payments were going to principal even though I was paying over the amount billed. It wasn't until XXXX and XXXX when I found out what Stafford Loans actually were and how the payments were only processed to my interest and not my principal balance. I have paid approximately {$5000.00} in overpayments that have just disappeared. I was unable to negotiate a resolution with the Oklahoma Student Loan Authority and they advised me that my only option to lock in my monthly payments was to refinance with the Department of Education and move my loans which essentially makes me start all over again. Had this information been explained to me I would not have taken out the Stafford Loans or agreed to any kind of interest only payments. It is very deceitful to take students who don't know much about student loans and not give them vital information related to repayment. I have seen many other students online talking about predatory student Stafford loans especially since Stafford loan payments were not suspended during COVID and only when I move my loans to the department of education did I get any kind of COVID relief and the ability to lock in my monthly payment amount to guarantee that my interest would finally be paid.","date_sent_to_company":"2023-05-24T16:22:16.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"73099","tags":null,"has_narrative":true,"complaint_id":"6874364","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Oklahoma Student Loan Authority","date_received":"2023-04-21T15:38:57.000Z","state":"OK","company_public_response":null,"sub_issue":"Trouble with how payments are being handled"},"highlight":{"complaint_what_happened":["I have been paying the Oklahoma <em>Student</em> <em>Loan</em> Authority for my Federal Stafford <em>Loans</em> since XXXX <em>after</em> making over 10 years of <em>payments</em> I realized that none of my <em>payments</em> <em>were</em> going to principal even though I was paying over the amount billed. It wasn't until XXXX and XXXX when I found out what Stafford <em>Loans</em> actually <em>were</em> and how the <em>payments</em> <em>were</em> only processed to my interest and not my principal balance. I have paid approximately {$5000.00} in overpayments that have just disappeared."],"product":["<em>Student</em> <em>loan</em>"],"company":["Oklahoma <em>Student</em> <em>Loan</em> Authority"],"sub_product":["Federal <em>student</em> <em>loan</em> servicing"],"sub_issue":["Trouble with how <em>payments</em> are being handled"]},"sort":[18.923437,"6874364"]},{"_index":"complaint-public-v1","_id":"8197771","_score":18.903831,"_source":{"product":"Student loan","complaint_what_happened":"I consolidated my federal student loans with Dept of Aidvantage. During the application process in the student loan portal it stated that my monthly payment would be {$84.00}! \n\nOnce I received the final loan agreements, which were very confusing to read, the monthly payments were never presented accept one copy that was estimate of {$900.00}. I called customer service and they stated it the {$900.00} payment was inaccurate and that the {$84.00} payment shown to set me while setting up the consolidation was just an estimate and that my new monthly payments should be around {$140.00}. \n\nThe online application on studentaid.gov NEVER stated those were estimated monthly payments. I was under the impression that this would be my monthly student loan payment! \n\nAfter performing a credit update this new consolidated student loan is currently reporting a HIGHER monthly payment in the amount of {$770.00}! I am so frustrated at this point. This inaccurate reporting has impacted my debt to income ratio tremendously. I did not agree to this monthly payment. This payment was not stated in any of the loan documents sent by the servicer. I thought the SAVE plan was put in place to be affordable?","date_sent_to_company":"2024-01-25T18:03:14.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"85203","tags":null,"has_narrative":true,"complaint_id":"8197771","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Maximus Federal Services, Inc.","date_received":"2024-01-22T20:54:52.000Z","state":"AZ","company_public_response":null,"sub_issue":"Received bad information about your loan"},"highlight":{"complaint_what_happened":["I consolidated my federal <em>student</em> <em>loans</em> with Dept of Aidvantage. During the application process in the <em>student</em> <em>loan</em> portal it stated that my monthly <em>payment</em> would be {$84.00}! \n\nOnce I received the final <em>loan</em> agreements, which <em>were</em> very confusing to read, the monthly <em>payments</em> <em>were</em> never presented accept one copy that was estimate of {$900.00}."],"product":["<em>Student</em> <em>loan</em>"],"sub_product":["Federal <em>student</em> <em>loan</em> servicing"],"sub_issue":["Received bad information about your <em>loan</em>"]},"sort":[18.903831,"8197771"]},{"_index":"complaint-public-v1","_id":"3271272","_score":18.872198,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"My student loan originally started with XXXX. They transferred my loan to Navient I was contacted by Navient They stated that I was behind on my loan. After having my XXXX  audit my student loan payments all of my payments were made. After communicating with XXXX it was determined that they had credited my payments to another account. There were several three way calls between XXXX, Navient my XXXX and myself. XXXX forwarded the missing funds to Navient ( see the attached letter ) dated XX/XX/2019. Navient has reported to all three Credit bureaus XXXX, XXXX and XXXX that my student loan is delinquent ( see the attached copy of the three credit reports ). I have spoken with Navient at least 6 times regarding this issue and filed a complaint. I've also filed a dispute with XXXX each time Navients response is the payments were late so they are correct. \nThe payments were late because XXXX posted them wrong. I've made every payment on time and they reported to the credit bureaus that these payments were late is incorrect and need to be removed from my reports. I have communicated this to many times and have spent an enormous amount of time dealing with this issue an issue I did not cause.","date_sent_to_company":"2019-06-11T21:37:53.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"40014","tags":null,"has_narrative":true,"complaint_id":"3271272","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2019-06-11T19:24:18.000Z","state":"KY","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["My <em>student</em> <em>loan</em> originally started with XXXX. They transferred my <em>loan</em> to Navient I was contacted by Navient They stated that I was behind on my <em>loan</em>. <em>After</em> having my XXXX  audit my <em>student</em> <em>loan</em> <em>payments</em> all of my <em>payments</em> <em>were</em> made. <em>After</em> communicating with XXXX it was determined that they had credited my <em>payments</em> to another account. There <em>were</em> several three way calls between XXXX, Navient my XXXX and myself."]},"sort":[18.872198,"3271272"]},{"_index":"complaint-public-v1","_id":"3596017","_score":18.862038,"_source":{"product":"Student loan","complaint_what_happened":"Student Loan Movement promised to make payments to my federal student loans on XX/XX/XXXX with 4 initial payments of {$220.00} and payments of {$39.00} thereafter. After careful consideration and investigation no payments have been made to the original federal student loan of {$36000.00}. I look at the student servicing statements and see no payments made throughout this period of nor contact was made to adjust any updates or payment plans. \n\nI have attached to original company of the agreement between myself and Student Loan Movement but was not able to pull up all transactions between my bank and Student Loan Movement. My bank did look into the transactions but were only able to go as far back as XXXX of XXXX. The original contract between myself and Student Loan Movement was on XXXX of XXXX there are emails going back from XX/XX/XXXX to XX/XX/XXXX with reminders of payments to be made and unsure of how to attach these emails other than screen shots of my PC.","date_sent_to_company":"2020-04-07T16:15:22.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"89048","tags":null,"has_narrative":true,"complaint_id":"3596017","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"J & B Endeavors, LLC","date_received":"2020-04-07T15:32:21.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Trouble with how payments are being handled"},"highlight":{"complaint_what_happened":["<em>Student</em> <em>Loan</em> Movement promised to make <em>payments</em> to my federal <em>student</em> <em>loans</em> on XX/XX/XXXX with 4 initial <em>payments</em> of {$220.00} and <em>payments</em> of {$39.00} thereafter. <em>After</em> careful consideration and investigation no <em>payments</em> have been made to the original federal <em>student</em> <em>loan</em> of {$36000.00}. I look at the <em>student</em> servicing statements and see no <em>payments</em> made throughout this period of nor contact was made to adjust any updates or <em>payment</em> plans."],"product":["<em>Student</em> <em>loan</em>"],"sub_product":["Federal <em>student</em> <em>loan</em> servicing"],"sub_issue":["Trouble with how <em>payments</em> are being handled"]},"sort":[18.862038,"3596017"]},{"_index":"complaint-public-v1","_id":"3271274","_score":18.858854,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"My student loan originally started with XXXX. They transferred my loan to XXXX I was contacted by XXXX They stated that I was behind on my loan. After having my CPA audit my student loan payments all of my payments were made. After communicating with XXXX it was determined that they had credited my payments to another account. There were several three way calls between XXXX, XXXX my CPA and myself. XXXX forwarded the missing funds to XXXX ( see the attached letter ) dated XX/XX/2019. XXXX has reported to all three Credit bureaus Experian, XXXX  and Experian that my student loan is delinquent ( see the attached copy of the three credit reports ). I have spoken with XXXX  at least 6 times regarding this issue and filed a complaint. I've also filed a dispute with Experian each time XXXX response is the payments were late so they are correct. \nThe payments were late because XXXX posted them wrong. I've made every payment on time and they reported to the credit bureaus that these payments were late is incorrect and need to be removed from my reports. 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