{"took":208,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":6,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"19205993","_score":36.428596,"_source":{"product":"Student loan","complaint_what_happened":"I have worked full- time for qualifying nonprofit/government employers for 25 years. My federal Direct Loans originated in XXXX and were transferred from XXXX to MOHELA in XXXX. During the transfer, all prior PSLF Employment Certification Forms were lost and required resubmission. After recent PSLF system updates, my XXXX PSLF record and employer certifications have disappeared again. This has caused inaccurate PSLF tracking and delayed forgiveness progress. I request a full federal audit of my PSLF history, retroactive certification of qualifying employment, and correction of my payment count. \nI have tried to contact MOHELA via phone and just sit on hold. As a result, I filed complaint with the Federal Student Aid Ombudsman.","date_sent_to_company":"2026-02-03T10:44:29.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"620XX","tags":null,"has_narrative":true,"complaint_id":"19205993","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"MOHELA","date_received":"2026-02-03T10:36:40.000Z","state":"IL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Need information about your loan balance or loan terms"},"highlight":{"complaint_what_happened":["During the transfer, all prior <em>PSLF</em> Employment Certification Forms were lost and required resubmission. After recent <em>PSLF</em> system updates, my XXXX <em>PSLF</em> record and employer certifications have disappeared again. This has caused inaccurate <em>PSLF</em> tracking and delayed forgiveness progress. I request a full federal <em>audit</em> of my <em>PSLF</em> history, <em>retroactive</em> certification of qualifying employment, and correction of my <em>payment</em> <em>count</em>. \nI have tried to contact MOHELA via phone and just sit on hold."]},"sort":[36.428596,"19205993"]},{"_index":"complaint-public-v1","_id":"21533836","_score":32.030807,"_source":{"product":"Student loan","complaint_what_happened":"Product : Student Loan Issue : Dealing with your lender or servicer Sub-issue : Trouble with payment processing / Incorrect information Complaint : I am submitting a formal complaint against my student loan servicer, MOHELA, regarding improper handling of my Public Service Loan Forgiveness ( PSLF ) eligibility, payment count, and repayment plan status.\n\nI have been enrolled in the PSLF program for approximately eight years and have consistently made payments while working in qualifying public service employment. Despite my compliance, MOHELA has failed to properly service my account and has caused significant harm to my progress toward loan forgiveness.\n\nSpecifically : - I contacted MOHELA multiple times through their Contact Us portal in XXXX and again in XXXX requesting a review of my account and payment status. I did not receive any response. \n- Payments made in XXXX were not counted toward PSLF without clear or timely explanation.\n\n- I was not informed that I was allegedly on an ineligible repayment plan until after payments had already been made, resulting in those payments being disqualified.\n\n- I applied for an Income-Driven Repayment ( IDR ) plan in XX/XX/XXXX and was denied without sufficient explanation, preventing my ability to continue making qualifying PSLF payments.\n\nAs a borrower acting in good faith, I relied on my loan servicer to provide accurate information and proper guidance regarding PSLF requirements. MOHELAs failure to communicate and correctly administer my account has resulted in lost qualifying payment credit and has jeopardized my progress toward forgiveness.\n\nThis conduct raises concerns about servicing errors, lack of transparency, and potential violations of federal consumer protection standards.\n\nI am requesting the following resolution : - A full audit of my PSLF payment count - Retroactive credit for all qualifying payments that were improperly excluded - A clear written explanation for the denial of my IDR application - Correction of my repayment plan status to ensure ongoing PSLF eligibility - Discharge of my remaining loan balance if my corrected payment count meets or exceeds 120 qualifying payments If these issues are not resolved, I will pursue further escalation through XXXX XXXX XXXX and the XXXX  Ombudsman.\n\nI request a prompt and thorough investigation into this matter.","date_sent_to_company":"2026-04-23T18:02:38.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"460XX","tags":null,"has_narrative":true,"complaint_id":"21533836","timely":"No","company_response":"Untimely response","submitted_via":"Web","company":"MOHELA","date_received":"2026-04-23T17:49:44.000Z","state":"IN","company_public_response":null,"sub_issue":"Trouble with how payments are being handled"},"highlight":{"complaint_what_happened":["I am requesting the following resolution : - A full <em>audit</em> of my <em>PSLF</em> <em>payment</em> <em>count</em> - <em>Retroactive</em> credit for all qualifying <em>payments</em> that were improperly excluded - A clear written explanation for the denial of my IDR application - Correction of my repayment plan status to ensure ongoing <em>PSLF</em> eligibility - Discharge of my remaining loan balance if my corrected <em>payment</em> <em>count</em> meets or exceeds 120 qualifying <em>payments</em> If these issues are not resolved, I will pursue further escalation through XXXX XXXX"]},"sort":[32.030807,"21533836"]},{"_index":"complaint-public-v1","_id":"21684083","_score":28.910454,"_source":{"product":"Student loan","complaint_what_happened":"I am filing this complaint due to ongoing servicing failures related to PSLF tracking, IDR mismanagement, and inaccurate account handling. \n\nSince approximately 2019, I have made qualifying payments while employed by an eligible public service employer ( USPS ). However, my PSLF payment counts are inconsistent and clearly incorrect. Some loans show zero qualifying payments while others show partial counts ( XXXX ), despite being under the same employment and repayment conditions. This reflects a breakdown in recordkeeping, data transfer, or servicing accuracy. \n\nIn addition, required paperwork and account updates have been left unprocessed for extended periods of time. Documentation that should have been reviewed and applied has effectively sat untouched for years, directly contributing to inaccurate payment counts and unresolved account issues. \n\nDespite submitting all requested documentation multiple times, my submissions have repeatedly been deemed insufficient without clear explanation or consistent guidance. The requirements appear to change or are not applied consistently, preventing my account from being properly reviewed and corrected.\n\nI was also placed into forbearance and/or incorrect repayment statuses based on servicer guidance. I was not informed that these actions could negatively impact my PSLF progress. As a result, I may have lost qualifying payment credit due to improper direction from the servicer.\n\nAdditionally, my IDR payment amount was recently increased significantly without justification. My financial situation has not improved in a way that would support such an increase. This strongly suggests miscalculation, incorrect income data usage, or improper plan processing. \n\nI am currently on unpaid medical leave and have been for several months. This makes the sudden and significant increase in my monthly payment even more concerning, as it does not reflect my current financial situation and creates additional financial hardship. \n\nI have made repeated attempts to resolve these issues directly with the servicer and have received inconsistent, unclear, and sometimes contradictory responses. No meaningful correction has been made. \n\nThese ongoing issues raise serious concerns regarding the accuracy of account servicing, proper application of federal program rules, and whether my account has been handled in accordance with required servicing standards. \n\nThese failures have caused financial harm, delayed my progress toward forgiveness, and created unnecessary stress and administrative burden.\n\nI am requesting immediate corrective action : 1. A full audit of my account and PSLF qualifying payment history across all loans 2. Correction of all PSLF counts to accurately reflect my qualifying employment and payments since 2019 XXXX. Retroactive credit for any qualifying payments that were improperly excluded or lost due to servicing errors or forbearance placement 4. Immediate correction and recalculation of my IDR payment using accurate and verified income data 5. Removal of any negative consequences resulting from servicing errors The current state of my account is not accurate and does not reflect my payment history or eligibility. I expect a complete, documented resolution and a clear explanation of how these errors occurred.","date_sent_to_company":"2026-04-28T21:26:04.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"32765","tags":null,"has_narrative":true,"complaint_id":"21684083","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2026-04-28T21:00:58.000Z","state":"FL","company_public_response":null,"sub_issue":"Received bad information about your loan"},"highlight":{"complaint_what_happened":["A full <em>audit</em> of my account and <em>PSLF</em> qualifying <em>payment</em> history across all loans 2. Correction of all <em>PSLF</em> <em>counts</em> to accurately reflect my qualifying employment and <em>payments</em> since 2019 XXXX. <em>Retroactive</em> credit for any qualifying <em>payments</em> that were improperly excluded or lost due to servicing errors or forbearance placement 4. Immediate correction and recalculation of my IDR <em>payment</em> using accurate and verified income data 5."]},"sort":[28.910454,"21684083"]},{"_index":"complaint-public-v1","_id":"10299398","_score":26.527283,"_source":{"product":"Student loan","complaint_what_happened":"I am writing to formally express my dissatisfaction with the management of my student loans under Nelnet, as well as previous loan servicers Great Lakes and XXXX XXXX. I have encountered numerous issues regarding inaccurate advice, failure to provide appropriate repayment options, and lack of customer support, all of which have caused significant financial strain. \n\nFirstly, I have been employed by a XXXX XXXX XXXX  for nearly 10 years in the XXXX XXXX XXXX XXXX XXXX XXXX. Despite this, I was incorrectly told that I am ineligible for the Public Service Loan Forgiveness ( PSLF ) program because I am not a classroom teacher. However, the rules for PSLF clearly state that full-time employees of qualifying public service organizations, including XXXX XXXX, are eligible for forgiveness. I believe this information was a serious error, and I request that my employment status be reconsidered for PSLF eligibility.\n\nIn addition, instead of being placed in an income-driven repayment ( IDR ) plan as I requested, I was twice placed in forbearance for three-year termsonce before consolidation and once after. This forbearance was presented to me as the only alternative to a {$3400.00} monthly payment, which is more than I make in a single paycheck and 55 % of my income OR I was told I could file for bankruptcy to pay my other debt in order to have funds to pay my student loans, which isn't reasonable or applicable as I don't qualify for bankruptcy since they won't count student loan debt. I was not adequately informed about the negative consequences of forbearance on my progress toward PSLF or IDR forgiveness. It is my understanding that recent changes in federal guidelines now recognize that forbearance was misused in many cases, and I request that my forbearance periods be retroactively counted toward both IDR and PSLF forgiveness. \n\nSince my loans were transferred to Nelnet, I have been unable to reach customer service. During the XXXX pandemic, I attempted to contact support XXXX times, spending a total of XXXX hours on hold, only to be disconnected or transferred repeatedly without resolution. I have yet to receive a bill from Nelnet, but the Federal Student Aid website shows that I am considered late. I was told that forbearance time would be applied automatically, but this has not occurred, and my account still does not reflect my IDR request.\n\nI am also deeply concerned about the accuracy of my loan balances. With multiple loan servicer transitions ( from Great Lakes to XXXX XXXX and now to Nelnet ), I believe some loans may have been duplicated or mismanaged. I request proof of all promissory notes to verify the accuracy of my loan amounts and terms. \n\nI have been unable to register an online account with Nelnet and therefore I am unable to email them directly. I can not reach them by phone. \n\nI have attempted to revise my XXXXDR plan on the student aid website and receive an error message that does not let me submit my application. This is an ongoing issue.\n\nI have received an email from the Department of Education saying that I have missed one or more payments, but when I sign into my account with studentaid.gov it shows that I am in forbearance.\n\nIn light of these issues, I ask for the following actions from my service provider : Application of forbearance periods toward forgiveness : Please review my account and retroactively apply my XXXX three-year forbearance periods toward both PSLF and IDR forgiveness.\n\nImmediate placement into an income-driven repayment plan : I request that my account be transitioned into the appropriate IDR plan immediately, as this should have been done months ago as part of the onboarding transition. Any status showing as late should be corrected as I am in forbearance currently. \n\nMy PSLF application should be accepted and any adjustments made as necessary for covid and forbearance as I was incorrectly told I wasn't eligible. \n\nAccount audit and proof of promissory notes : Please provide me with an audit of my account and copies of my original promissory notes to ensure the accuracy of my loans. \n\nCustomer support resolution : I request assistance in addressing the numerous failed attempts to reach customer support and the lack of follow-through on my requests.","date_sent_to_company":"2024-09-30T15:18:19.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"33770","tags":null,"has_narrative":true,"complaint_id":"10299398","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2024-09-30T15:01:52.000Z","state":"FL","company_public_response":null,"sub_issue":"Received bad information about your loan"},"highlight":{"complaint_what_happened":["I was not adequately informed about the negative consequences of forbearance on my progress toward <em>PSLF</em> or IDR forgiveness. It is my understanding that recent changes in federal guidelines now recognize that forbearance was misused in many cases, and I request that my forbearance periods be <em>retroactively</em> <em>counted</em> toward both IDR and <em>PSLF</em> forgiveness. \n\nSince my loans were transferred to Nelnet, I have been unable to reach customer service."]},"sort":[26.527283,"10299398"]},{"_index":"complaint-public-v1","_id":"12858594","_score":23.643267,"_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 <em>payment</em> <em>audit</em> must be conducted by XXXX, with <em>retroactive</em> credit granted for all qualifying months improperly excluded due to servicer error or administrative forbearance."]},"sort":[23.643267,"12858594"]},{"_index":"complaint-public-v1","_id":"11549338","_score":20.638653,"_source":{"product":"Student loan","complaint_what_happened":"I have an ongoing research request that has been escalated to the Department of Education by XXXX XXXX of XXXX. The goal : to get my entire payment history for loans taken out between XXXX and XXXX credited back to XXXX, when repayment began. \n\nThis document shows that DoE said the adjustments would apply to all XXXX accounts and forgiveness would be conferred on those grad accounts over 25 years in repayment. Yet my data shows I began repayment in XXXX, with servicer abuses disappeared from the system. \n\nThe document here from XXXX says that the Department would remedy forbearance steering and other issues from the XXXX servicer management of loans, issuing retroactive credit when records were not kept. \n\nMy account lacks accounting for loans XXXX \" Direct '' loans from XXXX to XXXX, which is the disputed time here. \n\nThe documentation suggests that the Department acknowledges systemic failures and my case shows one example of such that has yet to be corrected.\n\nThis is legally dubious given the guidance from XXXX XXXX, and again I am requesting my account be given payment credit back to XX/XX/XXXX. There is no 'consolidation ' contemplated in this guidance to get relief. \n\nThank you. See below for link and material. \nXXXX XXXX XXXX XXXX XXXXXXXX  \" Department of Education Announces Actions to Fix Longstanding Failures in the Student Loan Programs XX/XX/XXXX Today, the Department of Education announced steps that will bring borrowers closer to public service loan and income-driven repayment ( IDR ) forgiveness by addressing historical failures in the administration of the federal student loan programs. Federal Student Aid ( FSA ) estimates that these changes will result in immediate debt cancellation for at least 40,000 borrowers under the Public Service Loan Forgiveness ( PSLF ) Program. Several thousand borrowers with older loans will also receive forgiveness through IDR. More than 3.6 million borrowers will also receive at least three years of additional credit toward IDR forgiveness.\n\n\" Student loans were never meant to be a life sentence, but it's certainly felt that way for borrowers locked out of debt relief they're eligible for, '' said U.S. Secretary of Education XXXX XXXX. \" Today, the Department of Education will begin to remedy years of administrative failures that effectively denied the promise of loan forgiveness to certain borrowers enrolled in IDR plans. These actions once again demonstrate the XXXX XXXX XXXX commitment to delivering meaningful debt relief and ensuring federal student loan programs are administered fairly and effectively. '' These actions are part of the Department 's commitment to address historical failures in the administration of the federal student loan program and support student loan borrowers through the pandemic... .Today 's steps will help restore the promise of IDR plans by ensuring that borrowers have an affordable and effective path out of debt. \n\nBeyond the immediate corrective actions announced today that will provide relief to borrowers harmed in the past, FSA will take action to ensure that borrowers receive these benefits in the future. Below are the actions being taken today. \n\nEnding \" Forbearance Steering '' Department regulations require that borrowers who are facing difficulty making their loan payments get clear and accurate information from servicers about their options for staying out of delinquency, including IDR plans, and the financial consequences of choosing short-term options like forbearance. However, FSA reviews suggest that loan servicers placed borrowers into forbearance in violation of Department rules, even when their monthly payment under an IDR plan could have been as low as XXXX dollars. These findings are consistent with concerns raised by the Consumer Financial Protection Bureau and state attorneys general. A borrower advised to choose an IDR plan instead of forbearance can get a reduced payment, stay in good standing, and make progress toward loan forgiveness. A borrower advised to choose forbearance -- particularly long-term consecutive or serial uses of forbearance -- can see their loan balance and monthly payments grow due to interest capitalization and lead to delinquency or default. \n\nThe Department will address forbearance steering by : Conducting a One-Time Account Adjustment to Count Certain Long-Term Forbearances toward IDR and PSLF Forgiveness Borrowers steered or inappropriately placed into long-term forbearances miss out on critical progress toward IDR and PSLF forgiveness ; this can set them back years. The Department 's regulations and servicer contracts have safeguards, including a 12-month limit for any single use of forbearance, and a 36-month cumulative limit on discretionary forbearance. A review of past forbearance use shows that long-term use of forbearance was remarkably widespread. More than 13 % of all Direct Loan borrowers between XX/XX/XXXX and XX/XX/XXXX have used forbearance for at least 36 months cumulatively. These changes will be applied automatically to borrowers ' accounts later this year. To mitigate the harms of inappropriate steering into long-term forbearance, FSA will conduct a one-time account adjustment that will count forbearances of more than 12 months consecutive and more than 36 months cumulative toward forgiveness under IDR and PSLF. Borrowers who were steered into shorter-term forbearances will be able to seek account review by filing a complaint with the FSA Ombudsman at StudentAid.gov/feedback. \n\nIncreasing Oversight of Servicers ' Forbearance Use FSA will target forbearance steering by restricting servicers ' ability to enroll borrowers in forbearance by text or email, conducting an external review of patterns of forbearance use and servicers ' practices to identify other potential changes to address steering, and working in partnership with the Consumer Financial Protection Bureau to do regular audits of forbearance use. This will build upon other FSA efforts to improve oversight of loan servicing activities, including stronger accountability provisions in servicing contracts, renewing partnerships with federal and state regulators and clarifying its position on federal preemption of state oversight of loan servicing. \n\nFSA will begin implementing these changes immediately, but borrowers may not see the effect in their accounts until the last quarter of XXXX. \n\nTracking Progress Toward IDR Forgiveness IDR plans offer substantially lower monthly payments for most borrowers. Borrowers on most plans are entitled to forgiveness after 20 years of payments and depend on FSA and its servicers to accurately track their progress toward relief. However, the Department 's review of IDR payment-tracking procedures has revealed significant flaws that suggest borrowers are missing out on progress toward IDR forgiveness.\n\nThe Department is committed to fixing this problem swiftly and permanently. XXXX XXXX has directed FSA to : Conduct a One-Time Revision of IDR Payments to Address Past Inaccuracies To fully address past issues with IDR payment counting, FSA will do a one-time revision of IDR-qualifying payments for all Direct Student Loans and federally-managed Federal Family Education Loan Program ( FFEL ) loans . Any months in which borrowers made payments will count toward IDR, regardless of repayment plan. Payments made prior to consolidation on consolidated loans will also count. This fix is necessary to correct for data problems and past implementation inaccuracies. Any borrower who has made the required number of payments for IDR forgiveness based on this payment-count revision will receive loan cancellation automatically. Additionally, FSA will count months spent in deferment prior to XXXX toward IDR forgiveness ( with the exception of in-school deferment ) for this same population of borrowers to address concerns that, prior to that date, its data can not distinguish IDR-eligible deferments from other deferments.\n\nPermanently Fix IDR Payment Counting by Reforming FSA 's IDR Tracking Borrowers should be able to rely on FSA and its loan servicers to keep accurate records of their progress toward forgiveness through IDR plans. FSA will issue new guidance to student loan servicers to ensure accurate and uniform payment counting practices, and it will track payment counts in its own modernized data systems. In XXXX, FSA will begin displaying IDR payment counts on StudentAid.gov so borrowers can view their progress after logging into their accounts. In addition, the Department plans to revise the terms of IDR through rulemaking to further simplify payment counting by allowing more loan statuses to count toward IDR forgiveness, including certain types of deferments and forbearances.\n\nFSA will begin implementing these changes immediately, but borrowers may not see the effect in their accounts until the last quarter of XXXX. ''","date_sent_to_company":"2025-01-15T20:55:24.000Z","issue":"Struggling to repay your loan","sub_product":"Federal student loan servicing","zip_code":"32205","tags":null,"has_narrative":true,"complaint_id":"11549338","timely":"No","company_response":"Untimely response","submitted_via":"Web","company":"Servicer under contract with Federal Student Aid","date_received":"2025-01-15T20:50:33.000Z","state":"FL","company_public_response":null,"sub_issue":"Problem with forgiveness, cancellation, or discharge"},"highlight":{"complaint_what_happened":["XXXX XXXX has directed FSA to : Conduct a One-Time Revision of IDR <em>Payments</em> to Address Past Inaccuracies To fully address past issues with IDR <em>payment</em> <em>counting</em>, FSA will do a one-time revision of IDR-qualifying <em>payments</em> for all Direct Student Loans and federally-managed Federal Family Education Loan Program ( FFEL ) loans . Any months in which borrowers made <em>payments</em> will <em>count</em> toward IDR, regardless of repayment plan. <em>Payments</em> made prior to consolidation on consolidated loans will also <em>count</em>."]},"sort":[20.638653,"11549338"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":6,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":6}]}},"product":{"doc_count":6,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Student loan","doc_count":5,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Federal student loan servicing","doc_count":5}]}},{"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}]}}]}},"issue":{"doc_count":6,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Dealing with your lender or servicer","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Received bad information about your loan","doc_count":2},{"key":"Need information about your loan balance or loan terms","doc_count":1},{"key":"Trouble with how payments are being handled","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}]}},{"key":"Struggling to repay your loan","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem with forgiveness, cancellation, or discharge","doc_count":1}]}}]}},"timely":{"doc_count":6,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":4},{"key":"No","doc_count":2}]}},"company_response":{"doc_count":6,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":4},{"key":"Untimely response","doc_count":2}]}},"submitted_via":{"doc_count":6,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":6}]}},"company":{"doc_count":6,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Nelnet, Inc.","doc_count":3},{"key":"MOHELA","doc_count":2},{"key":"Servicer under contract with Federal Student Aid","doc_count":1}]}},"state":{"doc_count":6,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"FL","doc_count":3},{"key":"IL","doc_count":2},{"key":"IN","doc_count":1}]}},"company_public_response":{"doc_count":6,"company_public_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company believes it acted appropriately as authorized by contract or law","doc_count":1}]}},"tags":{"doc_count":6,"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":{}}}