{"took":67,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":3,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"12858594","_score":18.430603,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Securitization and Legal Standing to Service or Report Nelnet continues to assert itself as the creditor and servicer despite publicly available and attached documentation demonstrating that the loans in question were transferred via a true sale to the Nelnet Student Loan Trust, relinquishing all legal title and equitable interest. Accordingly, Nelnet lacks standing to collect, report, or enforce these loans under its own name, constituting deceptive practices under the Consumer Financial Protection Act, 12 U.S.C. 5536 ( a ) ( 1 ) ( B ). \n\nDemand : Nelnet must produce proof that the loans were not permanently conveyed to a trust, and provide documentation showing it retains ownership, title, or servicing rights. If the loans are trust-held, Nelnet must cease all collection activity and credit reporting under its name. Failure to Provide Adequate Notice and Due Process Nelnet alleges that it notified me via email regarding the scheduled IDR anniversary and subsequent recalculation of my payment. However, I did not receive any adequate or timely notice, either via mail or secure message, and no verifiable proof has been furnished to confirm that such communication was successfully delivered, opened, or understood by the borrower as required under 34 CFR 685.209 and 682.208. A borrowers failure to recertify income does not justify an abrupt increase in payment without multiple proactive outreach attempts. \n\nDemand : Nelnet must provide time-stamped, detailed records of all communications sent, including content, delivery method, and response logs confirming actual receipt not mere system-generated logs. Misreporting Under the Fair Credit Reporting Act Nelnet continues to furnish tradelines to credit bureaus in violation of 15 U.S. Code 1681s2 ( a ), which prohibits the reporting of inaccurate or misleading information. Furnishing data as a creditor when it is \" no longer the creditor or authorized servicer '' is materially false and damaging to my credit profile.\n\nDemand : All tradelines furnished under Nelnets name must be investigated and deleted or corrected to reflect the true legal creditor or owner of the loan. \nPSLF Count Discrepancies and Processing Errors Nelnets report of 107 PSLF-qualifying payments is unverifiable and inconsistent with my own records. Moreover, Nelnet fails to account for multiple periods where forbearance or deferment were misapplied, and IDR recertification issues some potentially caused by servicer error unfairly interrupted my PSLF progress. \nDemand : A full payment audit must be conducted by XXXX, with retroactive credit granted for all qualifying months improperly excluded due to servicer error or administrative forbearance.","date_sent_to_company":"2025-04-07T18:33:54.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"604XX","tags":null,"has_narrative":true,"complaint_id":"12858594","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2025-04-07T18:22:09.000Z","state":"IL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Demand : A full payment <em>audit</em> <em>must</em> be <em>conducted</em> by <em>XXXX</em>, with <em>retroactive</em> <em>credit</em> <em>granted</em> for all qualifying months improperly excluded due to servicer error or administrative forbearance."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[18.430603,"12858594"]},{"_index":"complaint-public-v1","_id":"18835216","_score":15.992168,"_source":{"product":"Student loan","complaint_what_happened":"To Whom It May Concern, I am filing a formal complaint against ED Financial regarding medical school loans. Over the past several years, ED Financial has repeatedly mishandled our account, causing financial and emotional strain. \nFirst, ED Financial lost XXXX payments totaling {$23000.00}, despite multiple proofs provided and involvement from our bank. For XXXX months, we endured vague emails, repeated requests for the same information, and delayed responses. Eventually, they admitted to finding XXXX out of XXXX payments but failed to remove the interest accrued during this time. They later gave us verbal via phone they found the third payment and were creating a new account. \n\nUpon reviewing the account history, I discovered the original XXXX payments were still missing. ED Financials negligence has cost us thousands in interest and unnecessary stress. They have documented history of similar complaints and have even been sued by the Consumer Financial Protection Bureau for misleading borrowers. \nWe can not fight this alone. ED Financial must be held accountable for its repeated errors and lack of transparency. \n\nXXXX, after my son graduated in XX/XX/XXXX and began residency in XXXX, he qualified for mandatory forbearance. We submitted the required form in XXXX, but ED Financial rejected it for being too early. When resubmitted it in XXXX, they denied it again because the program XXXX used an electronic signature. Despite repeated calls and explanations about the directors limited availability, ED Financial refused flexibility. Out of desperation, I drove XXXX hours to obtain a handwritten signature and resubmitted the form on XX/XX/XXXX. As of XX/XX/XXXX, it was still under review, while interest continued to accrue at {$1100.00} per monthon a loan now exceeding {$220000.00} and payments sent due to misinformation on website. It read money was due. I would call and the rep would say it was not due. I sent XXXX more payments in desperation to avoid bad credit. \n\nXX/XX/XXXX, ED financial finally approved forbearance. They sent me a letter with current loans and payments. I reached back out via email requesting a full audit since it still showed they were missing {$23000.00}. This is {$100.00} shy of the previous missing payments. \n\nWe can not fight this alone. ED Financial must be held accountable for its repeated errors and lack of transparency. Please help us resolve this injustice. \n\nRegulatory Background & Violations : Federal Forbearance Right : XXXX makes clear that forbearance must be granted to borrowers completing a medical residency. EDFinancials repeated denials constitute an unlawful denial of Federal rights. [ XXXX ], [ XXXX ] Servicer Misconduct : The Consumer Financial Protection Bureau ( CFPB ) has identified pervasive servicer errorssuch as billing inaccuracies and mishandled paymentsand fined servicers ( including EDFinancial ) for such conduct. In XX/XX/XXXX, CFPB sanctioned EDFinancial for misleading borrowers and misrepresenting loan forgiveness options. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Requested Remedies : XXXX. Accurate Account Correction : Update my sons account to reflect all payments made, including the XXXX missing ones totaling {$23000.00}. \nXXXX. Interest Waiver : Remove all interest and fees charged as a result of EDFinancials mistakes. \nXXXX. Grant Mandatory Forbearance : Approve the pending forbearance request per 34CFR685.205, retroactive to the residency start date in XX/XX/XXXX. \nXXXX. Administrative Review : Provide a full account statement summarizing actions taken and a timeline for resolution. \nWe are committed to fulfilling our loan obligationsbut EDFinancials repeated breaches of federal regulations and servicer standards must be rectified. Please act promptly to resolve this matter or direct us to the appropriate regulator for escalated review.","date_sent_to_company":"2026-01-19T18:54:08.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"65301","tags":null,"has_narrative":true,"complaint_id":"18835216","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EdFinancial Services","date_received":"2026-01-19T18:27:48.000Z","state":"MO","company_public_response":null,"sub_issue":"Trouble with how payments are being handled"},"highlight":{"complaint_what_happened":["I reached back out via email requesting a full <em>audit</em> since it still showed they were missing {$23000.00}. This is {$100.00} shy of the previous missing payments. \n\nWe can not fight this alone. ED Financial <em>must</em> be held accountable for its repeated errors and lack of transparency. Please help us resolve this injustice. \n\nRegulatory Background & Violations : Federal Forbearance Right : <em>XXXX</em> makes clear that forbearance <em>must</em> be <em>granted</em> to borrowers completing a medical residency."]},"sort":[15.992168,"18835216"]},{"_index":"complaint-public-v1","_id":"21115630","_score":14.4981,"_source":{"product":"Credit card","complaint_what_happened":"COMPLAINT CLASSIFICATION : Bad-Faith Customer Service XXXX Systemic Portal Abuse, UDAAP Violations, and Regulatory Obstruction by the XXXX XXXX XXXX XXXX  XXXX XXXX ). \n1. INTRODUCTION : A PATTERN OF CORPORATE MALFEASANCE I am filing this new, escalated complaint not just to recover a missing {$6000.00} payment, but to formally report Wells Fargos XXXX XXXX XXXX XXXX ( ECMO ) for egregious, systemic abuses of the CFPB complaint portal. Wells Fargo is engaged in a calculated campaign of regulatory obstruction, utilizing automated templates, sham investigations, and illegal retaliatory tactics to conceal a catastrophic accounting failure. \nDespite providing irrefutable, external banking evidence from XXXX XXXX XXXX proving that a {$6000.00} payment successfully cleared the Federal Reserve and was routed to Wells Fargo on XXXX XXXX, 2025, Wells Fargos XXXX has deliberately refused to conduct a statutorily required investigation under the Fair Credit Billing Act ( FCBA ).\n\n2. THE SHAM INVESTIGATION AND THE \" AUTO LOAN '' DEFLECTION To evade auditing their credit card suspense accounts for my missing {$6000.00}, Wells Fargo fabricated a strawman investigation. In a recent CFPB response, the ECMO explicitly stated they investigated my auto loan and confirmed the missing credit card funds were not applied there. \nI never claimed the funds went to my auto loan. Telling a federal investigator where missing money isn't does not answer where the money is. Furthermore, in their official response, the XXXX stated they were investigating a missing payment of \" {$60000.00} ''. This glaring typographical error proves beyond a shadow of a doubt that no competent human being actually reviewed my ledger or conducted a good-faith investigation. It was a sloppy, rushed, rubber-stamped deflection designed to close a federal inquiry without doing the work. \n3. SUPPRESSION OF XXXX XXXX XXXX EVIDENCE & REFUSAL TO TRACE I submitted formal, line-by-line demands for Wells Fargo to produce the internal General Ledger ( GL ) posting dates and the XXXX Federal Reserve XXXX XXXX XXXX for the missing funds. XXXX XXXX  XXXX XXXX confirms the funds left my account and cleared the Fed, the money is sitting in a Wells Fargo unapplied funds account. \nWells Fargo has categorically refused to produce these trace IDs. By willfully ignoring the XXXX  XXXX XXXX clearing data and refusing to query their backend suspense accounts, Wells Fargo is actively and intentionally concealing consumer funds. \n4. SYSTEMIC CFPB PORTAL ABUSE VIA ROBO-TEMPLATES Instead of answering specific accounting inquiries or addressing Fair Credit Reporting Act ( FCRA ) violations ( such as a mathematically impossible {$12000.00} balance jump on a closed account ), Wells Fargo XXXXs XXXX spam-replied to multiple distinct CFPB complaints with the exact same, word-for-word boilerplate template. \nThey padded their responses with completely irrelevant paragraphs about converting my already-closed XXXX XXXX into a Wells Fargo XXXX XXXX XXXX and minor clerical fixes to my credit report closure status. Product conversions have absolutely nothing to do with missing funds or Federal Reserve trace IDs. This is documented proof that Wells Fargo is operating a rubber-stamp factory to artificially manipulate CFPB closure metrics, making a mockery of federal oversight. \n5. ILLEGAL WEAPONIZATION OF ARBITRATION In every recent response, Wells Fargo stated : \" We received your arbitration demand. These matters will be addressed through arbitration, and we will not respond to the issues outside of that process. '' This is a breathtaking admission of regulatory defiance. A private XXXX arbitration proceeding regarding a billing dispute does not grant a federally chartered bank immunity from the Consumer Financial Protection Bureau. Arbitration does not suspend the Truth in Lending Act, the FCBA, or the FCRA. By explicitly telling the federal government that they refuse to answer to regulators because they are in arbitration, Wells Fargo is committing illegal, retaliatory regulatory obstruction. \n6. DEMAND FOR ENFORCEMENT ACTION Wells Fargo 's customer service apparatus is entirely broken and operating in bad faith. I demand the following : 1. Immediate CFPB Enforcement Escalation : The CFPB must review the XXXX 's copy-pasted responses and \" {$60000.00} '' typo as evidence of systemic UDAAP violations and portal abuse. \n2. Mandatory Production of Records : The CFPB must compel Wells Fargos Legal Departmentnot customer serviceto produce the XXXX XXXX XXXX XXXX and a certified General Ledger extract proving the location of the {$6000.00} that cleared XXXX  XXXX XXXX XXXX \n3. Immediate Restitution : Wells Fargo must locate the funds trapped in their suspense accounts, retroactively credit my ledger, permanently waive all cascading predatory interest, and correct all fraudulent reporting to the credit bureaus.","date_sent_to_company":"2026-04-10T02:01:29.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"085XX","tags":null,"has_narrative":true,"complaint_id":"21115630","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2026-04-10T01:58:54.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with customer service"},"highlight":{"complaint_what_happened":["Immediate Restitution : Wells Fargo <em>must</em> locate the funds trapped in their suspense accounts, <em>retroactively</em> <em>credit</em> my ledger, permanently waive all cascading predatory interest, and correct all fraudulent reporting to the <em>credit</em> bureaus."],"product":["<em>Credit</em> card"],"sub_product":["General-purpose <em>credit</em> card or charge card"]},"sort":[14.4981,"21115630"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":3,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":3}]}},"product":{"doc_count":3,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":1}]}},{"key":"Credit reporting or other personal consumer reports","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":1}]}},{"key":"Student loan","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Federal student loan servicing","doc_count":1}]}}]}},"issue":{"doc_count":3,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Dealing with your lender or servicer","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Trouble with how payments are being handled","doc_count":1}]}},{"key":"Other features, terms, or problems","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem with customer service","doc_count":1}]}},{"key":"Problem with a company's investigation into an existing problem","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":1}]}}]}},"timely":{"doc_count":3,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":3}]}},"company_response":{"doc_count":3,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":3}]}},"submitted_via":{"doc_count":3,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":3}]}},"company":{"doc_count":3,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"EdFinancial Services","doc_count":1},{"key":"Nelnet, Inc.","doc_count":1},{"key":"WELLS FARGO & COMPANY","doc_count":1}]}},"state":{"doc_count":3,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"IL","doc_count":1},{"key":"MO","doc_count":1},{"key":"NJ","doc_count":1}]}},"company_public_response":{"doc_count":3,"company_public_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","doc_count":1}]}},"tags":{"doc_count":3,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}}},"_meta":{"license":"CC0","last_updated":"2026-07-14T12:00:00-05:00","last_indexed":"2026-07-14T12:00:00-05:00","total_record_count":16441818,"is_data_stale":false,"has_data_issue":false,"break_points":{}}}