{"took":212,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":61,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"6428780","_score":25.569893,"_source":{"product":"Student loan","complaint_what_happened":"This new complaint should be tied to current complaints in the process. \n\nXXXX XXXX XXXX XXXX XXXX XXXX loan Dealing with your lender or servicer XXXX XXXX XXXX XXXX XXXX \nXX/XX/XXXX Closed Feedback provided XXXX XXXX XXXX XXXX XXXX XXXX loan Dealing with your lender or servicer XXXX XXXX XXXX XXXX XXXX servicer XX/XX/XXXX Closed Sent to Regulator, Not FTC XXXX I completed my XXXX XXXX XXXX in XX/XX/XXXX. My federal student loan servicer during this period was Nelnet. Nelnet was very prompt in providing notifications and details regarding loan increases to my consolidation student loans along the period when the repayments would start. However, Nelnet was not quick about relaying information on extending the Covid relief program, which suspended all federal student loans and accrued interest. They did not correctly provide details on how these temporary programs impacted my account and obligation. \n\nNelnet 's lack of notification put me in a very pressured situation to find a new lender which could offer better interest rates to reduce payments I would be expected to pay with the increased amount of XXXX XXXX XXXX loans added to my consolidation amount. I selected XXXX in XX/XX/XXXX as a private lender to aid in consolidating my loans at a lower rate. Unfortunately, I got the payoff from Nelnet, who never acknowledged or notified me that the Covid Relief program was extended. I did not receive a notification until XXXX XXXX XXXX well after I had completed the consolidation with XXXX ; in fact, XXXX provided a payoff amount well over the amount necessary to pay off the loan consolidation for my Federal Loans. Instead of notifying them of the overpayment. Nelnet proceeded to pay my federal loans off and wire the amount that was over the payoff amount back to XXXX without any communication with me or request to update the payoff amount. \n\nXXXX took the funds returned from Nelnet and applied this amount to the principal balance of the new private loan consolidation. When I asked XXXX the reason for the additional funds added to the payoff amount, I was told that it ensured there were not any other amounts due to accrued interest or missed payments. Nelnet should have not only contacted me but also notified XXXX XXXX XXXX  of this situation in which a loan service should be aware and have proper knowledge of the terms of the XXXX XXXX Covid relief program. This situation will affect my credit and the opportunity to take advantage of new relief programs with the Federal Government to reduce federal student loan balances.","date_sent_to_company":"2023-01-11T15:11:04.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"30126","tags":null,"has_narrative":true,"complaint_id":"6428780","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2023-01-11T14:26:23.000Z","state":"GA","company_public_response":null,"sub_issue":"Received bad information about your loan"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX XXXX <em>loan</em> <em>Dealing</em> with <em>your</em> <em>lender</em> or <em>servicer</em> XXXX XXXX XXXX XXXX XXXX \nXX/XX/XXXX Closed Feedback provided XXXX XXXX XXXX XXXX XXXX XXXX <em>loan</em> <em>Dealing</em> with <em>your</em> <em>lender</em> or <em>servicer</em> XXXX XXXX XXXX XXXX XXXX <em>servicer</em> XX/XX/XXXX Closed Sent to Regulator, Not FTC XXXX I completed my XXXX XXXX XXXX in XX/XX/XXXX. My federal <em>student</em> <em>loan</em> <em>servicer</em> during this period was Nelnet."],"product":["<em>Student</em> <em>loan</em>"],"issue":["<em>Dealing</em> with <em>your</em> <em>lender</em> or <em>servicer</em>"],"sub_product":["Federal <em>student</em> <em>loan</em> servicing"],"sub_issue":["Received bad information about <em>your</em> <em>loan</em>"]},"sort":[25.569893,"6428780"]},{"_index":"complaint-public-v1","_id":"13321800","_score":24.381348,"_source":{"product":"Student loan","complaint_what_happened":"PRIOR COMPLAINT ID XXXX Federal student loan Dealing with your lender or servicer MOHELA STUDENT LOAN COMPANY XX/XX/year> Open Company response is in progress as of XX/XX/year> That has been my complaint since XX/XX/year>... They ( MOHELA ) OBVIOUSLY REFUSE TO GIVE ME THE INFORMATION THAT I HAVE ASKED FOR. THEY ARE DEFLECTING AND DELAYING THE INFORMATION I NEED. I AM ALMOST AT XXXX FOR XXXX ( XXXX MONTHS AWAY ), AND I AM TRYING TO FIGURE OUT WHAT WILL BE MY PAYMENT FOR PSLF BUYBACK FOR THE XXXX MONTHS IT WILL HAVE BEEN IN FORBEARENCE DEFERMENT ( MY STUDENT LOANS ) SINCE I AM ENROLLED IN THE SAVE PLAN! \n\nTHIS IS PURELY RIDICULOUS AND SHOULD BE CRIMINAL AT THIS JUNCTURE! WHAT WILL I HAVE TO PAY FO RM Y XXXX XXXX SINCE MY PAYMENTS WERE {$0.00} A MONTH PRIOR TO THIS ADMINISTRATIVE FORBEARANE/DEFEREMENT? \n\nNO ONE IS HELPING AND THIS IS CRAZY!","date_sent_to_company":"2025-10-14T13:59:22.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"483XX","tags":null,"has_narrative":true,"complaint_id":"13321800","timely":"No","company_response":"Untimely response","submitted_via":"Web","company":"Servicer under contract with Federal Student Aid","date_received":"2025-05-03T19:39:27.000Z","state":"MI","company_public_response":null,"sub_issue":"Problem with customer service"},"highlight":{"complaint_what_happened":["PRIOR COMPLAINT ID XXXX Federal <em>student</em> <em>loan</em> <em>Dealing</em> with <em>your</em> <em>lender</em> or <em>servicer</em> MOHELA <em>STUDENT</em> <em>LOAN</em> COMPANY XX/XX/year> Open Company response is in progress as of XX/XX/year> That has been my complaint since XX/XX/year>... They ( MOHELA ) OBVIOUSLY REFUSE TO GIVE ME THE INFORMATION THAT I HAVE ASKED FOR. THEY ARE DEFLECTING AND DELAYING THE INFORMATION I NEED."],"product":["<em>Student</em> <em>loan</em>"],"issue":["<em>Dealing</em> with <em>your</em> <em>lender</em> or <em>servicer</em>"],"company":["<em>Servicer</em> under contract with Federal <em>Student</em> Aid"],"sub_product":["Federal <em>student</em> <em>loan</em> servicing"],"sub_issue":["Problem with customer <em>service</em>"]},"sort":[24.381348,"13321800"]},{"_index":"complaint-public-v1","_id":"3869166","_score":24.265493,"_source":{"product":"Student loan","complaint_what_happened":"This is the eight ( 8th ) time I have submitted the exact same question. I have not received a competent response. I have even been told that my request is a duplicate. IT IS NOT. \n\nISSUE : Whether XXXX XXXX XXXX XXXX XXXX XXXX ( ERS ) a 501 ( c ) ( 6 ) non-profit qualifies under Public Service Loan Forgiveness ( PSLF )? \n\nERS is a 501 ( c ) ( 6 ) not a 501 ( c ) ( 3 ) non-profit. All the responses have ignored that simple fact. \n\nIt was previously determined that ERS provides \" public safety ''. One response stated that it was not it's \" primary purpose ''. In light of COVID ERS been determined to be an \" essential service ''. Public Safety is the essence of ERS. \n\nI have filed a Freedom of Information Act request revealed that no list exists for what 501 ( c ) ( 6 ) employers qualify. See attached.\n\nEvery response does not address the issue of WHAT IS THE STANDARD. I have been told to get ERS to complete the PSLF form but it only lists 501 ( c ) ( 3 ) status as a qualifier. The 10th anniversary for PSLF was XXXX and it has been a disaster. No one will make establish a standard that can be applied. \n\n\n\nYour complaints COMPLAINT ID PRIMARY CONSUMER PRODUCT AND ISSUE CONSUMER-IDENTIFIED COMPANY SUBMITTED STATUS XXXX XXXX XXXX Federal student loan Struggling to repay your loan FEDLOAN SERVICING XX/XX/XXXX Closed Feedback provided XXXX XXXX XXXX Federal student loan Struggling to repay your loan FEDLOAN.GOV XX/XX/XXXX Closed Marked as a duplicate complaint on XX/XX/XXXX XXXX XXXX XXXX Federal student loan Struggling to repay your loan FedLoan.gov XX/XX/XXXX Closed Feedback provided XXXX XXXX XXXX Federal student loan Struggling to repay your loan Fed Loan XX/XX/XXXX Closed Feedback provided XXXX XXXX XXXX Federal student loan Struggling to repay your loan FEDLOAN SERVICING XX/XX/XXXX Closed Feedback provided XXXX XXXX XXXX Federal student loan Struggling to repay your loan FEDLOAN SERVICING XX/XX/XXXX Closed Feedback provided XXXX XXXX XXXX Federal student loan Dealing with your lender or servicer FEDLOAN SERVICING XX/XX/XXXX Closed Company responded XXXX XXXX XXXX Federal student loan Struggling to repay your loan FEDLOAN SERVICING XX/XX/XXXX Closed Company responded","date_sent_to_company":"2020-09-26T13:22:34.000Z","issue":"Struggling to repay your loan","sub_product":"Federal student loan servicing","zip_code":"63011","tags":null,"has_narrative":true,"complaint_id":"3869166","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AES/PHEAA","date_received":"2020-09-26T12:57:55.000Z","state":"MO","company_public_response":null,"sub_issue":"Can't get other flexible options for repaying your loan"},"highlight":{"complaint_what_happened":["<em>student</em> <em>loan</em> Struggling to repay <em>your</em> <em>loan</em> Fed <em>Loan</em> XX/XX/XXXX Closed Feedback provided XXXX XXXX XXXX Federal <em>student</em> <em>loan</em> Struggling to repay <em>your</em> <em>loan</em> FEDLOAN <em>SERVICING</em> XX/XX/XXXX Closed Feedback provided XXXX XXXX XXXX Federal <em>student</em> <em>loan</em> Struggling to repay <em>your</em> <em>loan</em> FEDLOAN <em>SERVICING</em> XX/XX/XXXX Closed Feedback provided XXXX XXXX XXXX Federal <em>student</em> <em>loan</em> <em>Dealing</em> with <em>your</em> <em>lender</em> or <em>servicer</em> FEDLOAN <em>SERVICING</em> XX/XX/XXXX Closed Company responded XXXX XXXX XXXX Federal <em>student</em> <em>loan</em> Struggling"],"product":["<em>Student</em> <em>loan</em>"],"issue":["Struggling to repay <em>your</em> <em>loan</em>"],"sub_product":["Federal <em>student</em> <em>loan</em> servicing"],"sub_issue":["Can't get other flexible options for repaying <em>your</em> <em>loan</em>"]},"sort":[24.265493,"3869166"]},{"_index":"complaint-public-v1","_id":"13922963","_score":23.742174,"_source":{"product":"Student loan","complaint_what_happened":"In XX/XX/year>, I sent a formal letter to the FERPA Office and the Department of Education and have not received a response from either. \n\nCategory : Issue : Problem with a credit or consumer report or Dealing with your lender or servicer Sub-issue : Incorrect information on your report or Account servicing issues I am submitting a second formal complaint against MOHELA ( Missouri Higher Education Loan Authority ), my federal student loan servicer, due to serious issues with the servicing and reporting of my student loan accounts. \nMOHELA has failed to provide accurate loan information and has potentially mishandled borrower accounts in a manner consistent with ongoing class action litigation currently being pursued against the company. I have disputed the accuracy of my loan balance and servicing records and have requested verification and an audit, but MOHELA has not responded satisfactorily. \nAdditionally, there are growing concerns of a potential data breach or security failure, involving high-profile individuals, that may have compromised borrower data. I have demanded information about whether my personal data was affected and what protections are in place.\n\nI am requesting that CFPB investigate MOHELAs conduct regarding : Improper account handling Inaccurate reporting to credit bureaus Mishandling of IDR/PSLF eligibility Potential data privacy violations MOHELAs failure to respond within the 30-day FCRA dispute timeline and its opaque servicing practices are unacceptable. I request regulatory review and enforcement action where applicable.","date_sent_to_company":"2025-06-05T14:07:17.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Federal student loan servicing","zip_code":"21207","tags":null,"has_narrative":true,"complaint_id":"13922963","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"MOHELA","date_received":"2025-06-05T13:56:57.000Z","state":"MD","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["Category : Issue : Problem with a credit or consumer report or <em>Dealing</em> with <em>your</em> <em>lender</em> or <em>servicer</em> Sub-issue : Incorrect information on <em>your</em> report or Account <em>servicing</em> issues I am submitting a second formal complaint against MOHELA ( Missouri Higher Education <em>Loan</em> Authority ), my federal <em>student</em> <em>loan</em> <em>servicer</em>, due to serious issues with the <em>servicing</em> and reporting of my <em>student</em> <em>loan</em> accounts."],"product":["<em>Student</em> <em>loan</em>"],"sub_product":["Federal <em>student</em> <em>loan</em> servicing"]},"sort":[23.742174,"13922963"]},{"_index":"complaint-public-v1","_id":"3141538","_score":23.444601,"_source":{"product":"Student loan","complaint_what_happened":"This is my second complaint with CFPB about Navient. My previous complaint received a copy and pasted generic response from Navient. I am fed up with dealing with this lender. I was never properly educated on how the interest would capitalize during my time in school and after. I was only given options for repayment that paid toward interest and in very small increments which has increased my balance over 150 % in the last 10 years. I owe 2.5 times what I borrowed and have my made payments since graduation I XX/XX/XXXX. The original lender, Sallie Mae, could not keep their end of the bargain and were conveniently allowed to just change their name and continue business as usual XXXX  borrowers that were defrauded by their schools. When students realized they attended predatory and for-profit schools, the lender should have made attempts to work with the students for relief. It is absolutely unfair that I attended a school that lied about accreditation, did not educate me on cost and taking out loans, and eventually closed their doors ; making my degree a useless piece of paper. I am expected to pay back loans until XX/XX/XXXX, which will equate to over {$600000.00}!!!!!! \n\nGIVE RELIEF TO STUDENTS FRAUDED BY SCHOOLS THAT ARE NO LONGER OPEN THAT HAVE CREDITS THAT DO NOT TRANSFER!!!!!\n\n1. unclear on capitalization of interest over time of loan 2. loan sale and resale without permission 3. loan capitalization that was over 3x borrowed amount 4. horrible customer service, only offer repayment options that make money for navient and never pay toward the principal 5. late fees before payment due date or when payment was applied twice in one month 6. unfair practices for borrowers, policies do not favor the borrower and lender makes enormous profit 7. estimate of my loan payoff is XX/XX/XXXX with a total payment of over {$600000.00} when I only borrowed {$68000.00}. HOW IS THIS FAIR OR LEGAL???? \n8. can not say enough about the customer service. reps are unkind and I have been told things like if you can afford a mortgage or a car payment then you don't have your priorities straight and you can afford 25 % of your income to your student loans.","date_sent_to_company":"2019-02-04T08:57:08.000Z","issue":"Dealing with your lender or servicer","sub_product":"Private student loan","zip_code":"91387","tags":"Servicemember","has_narrative":true,"complaint_id":"3141538","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2019-02-04T03:34:36.000Z","state":"CA","company_public_response":null,"sub_issue":"Received bad information about your loan"},"highlight":{"complaint_what_happened":["8. can not say enough about the customer <em>service</em>. reps are unkind and I have been told things like if you can afford a mortgage or a car payment then you don't have <em>your</em> priorities straight and you can afford 25 % of <em>your</em> income to <em>your</em> <em>student</em> <em>loans</em>."],"product":["<em>Student</em> <em>loan</em>"],"issue":["<em>Dealing</em> with <em>your</em> <em>lender</em> or <em>servicer</em>"],"sub_product":["Private <em>student</em> <em>loan</em>"],"sub_issue":["Received bad information about <em>your</em> <em>loan</em>"]},"sort":[23.444601,"3141538"]},{"_index":"complaint-public-v1","_id":"9542411","_score":22.649343,"_source":{"product":"Student loan","complaint_what_happened":"See my previous complaint about MOHELA for my government student loan COMPLAINT ID XXXX SUBMITTED ON XX/XX/year> PRODUCT Student loan ISSUE Dealing with your lender or servicer This is from their site to prove they have loan. \n\n\nMOHELA XXXX XXXX. XXXX XXXXr of Federal Student Aid. \nContact Us Search the Help Center. Opens a search form. \nPayment Methods In Repayment Loan Forgiveness & Discharge, opens a menu Support, opens a menu Account Summary Loan Details Payments & Billing, opens a menu Repayment Options Inbox Upload More... \n, opens a menu Account Summary As of XX/XX/year> ( ET ) Total Payment Due : {$0.00} Alerts XXXX have XXXX alert. \nShow Your Loans Loan Type Due Date Amount Status Auto Pay Tooltip. More information about Auto Pay.\n\nWhen your loans are in Auto Pay, the payment amount for your upcoming payment due date will display as {$0.00} because your payments are automatically scheduled to recur and no additional action is required.\n\nIf you have a Past Due Amount or Unpaid Fees, they will not be added to your recurring Auto Pay amount. You need to make a manual one-time payment to pay these amounts.\n\nTo view your Monthly Payment Amount- the amount required each month to repay the loan according to the repayment schedule - select a loan name to view your loan details. Your Estimated Repayment Schedule shows the Monthly Payment Amount, along with the number of payments and total amount to be repaid according to that schedule. \n\n\n\n\n\nShow more information XXXX XXXX Consolidated - Unsubsidized Direct XX/XX/year> {$0.00} No Payment Due Total Current Balance : {$230000.00} Total Number of Loans : XXXX","date_sent_to_company":"2024-08-13T14:45:54.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"28562","tags":"Servicemember","has_narrative":true,"complaint_id":"9542411","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"MOHELA","date_received":"2024-07-17T23:18:29.000Z","state":"NC","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":["See my previous complaint about MOHELA for my government <em>student</em> <em>loan</em> COMPLAINT ID XXXX SUBMITTED ON XX/XX/year> PRODUCT <em>Student</em> <em>loan</em> ISSUE <em>Dealing</em> with <em>your</em> <em>lender</em> or <em>servicer</em> This is from their site to prove they have <em>loan</em>. \n\n\nMOHELA XXXX XXXX. XXXX XXXXr of Federal <em>Student</em> Aid. \nContact Us Search the Help Center. Opens a search form."],"product":["<em>Student</em> <em>loan</em>"],"issue":["<em>Dealing</em> with <em>your</em> <em>lender</em> or <em>servicer</em>"],"sub_product":["Federal <em>student</em> <em>loan</em> servicing"]},"sort":[22.649343,"9542411"]},{"_index":"complaint-public-v1","_id":"3220414","_score":22.619217,"_source":{"product":"Student loan","complaint_what_happened":"I am once again emailing you about Fed Loan. In short, it can not add up the correct amounts that I am paying for my loans and keeps telling me that I am behind on payments when I am not. More to the point, it does not count the {$80.00} debited account each month toward my overall total payment. It fixed this issue after I complained to CFPB last year ( see below ). My payment of roughly {$320.00} per month should always be divided between the {$80.00} debited from my account and the remaining money that owe. Fed Loan can not seem to figure this reality out. \n\n\nMy previous complaint : Summary of your complaint Complaint number : XXXX Date submitted to CFPB : XX/XX/2018 Date sent to company : XX/XX/2018 Product : Student loan Issue : Dealing with your lender or servicer XXXX","date_sent_to_company":"2019-04-23T20:54:45.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"49307","tags":null,"has_narrative":true,"complaint_id":"3220414","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AES/PHEAA","date_received":"2019-04-23T20:46:11.000Z","state":"MI","company_public_response":null,"sub_issue":"Trouble with how payments are being handled"},"highlight":{"complaint_what_happened":["Fed <em>Loan</em> can not seem to figure this reality out. \n\n\nMy previous complaint : Summary of <em>your</em> complaint Complaint number : XXXX Date submitted to CFPB : XX/XX/2018 Date sent to company : XX/XX/2018 Product : <em>Student</em> <em>loan</em> Issue : <em>Dealing</em> with <em>your</em> <em>lender</em> or <em>servicer</em> XXXX"],"product":["<em>Student</em> <em>loan</em>"],"issue":["<em>Dealing</em> with <em>your</em> <em>lender</em> or <em>servicer</em>"],"sub_product":["Federal <em>student</em> <em>loan</em> servicing"]},"sort":[22.619217,"3220414"]},{"_index":"complaint-public-v1","_id":"7467249","_score":21.180582,"_source":{"product":"Student loan","complaint_what_happened":"I believe Mohela has mishandled my student loans and my eligibility for the Public Service Loan Forgiveness Program. They will not tell me when my case will be resolved. \n\nI spoke to a representative on XXXX, XX/XX/XXXX, XXXX XXXX  for over one hour. The associate said that they had the payment count information from my previous loan servicer, but they could not count them towards my total. It must go to a separate counting department. I asked for the length of time that would take to resolve, and he said he could not provide that information. I believe this should be resolved as soon as possible, since my case was first filed with Mohela in XX/XX/XXXX. \nCOMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX PRODUCT Student loan ISSUE Dealing with your lender or servicer Previously, they erroneously counted my qualifying payments. According to their website, every month has counted as qualifying for XXXX between XX/XX/XXXX and XX/XX/XXXX which is XXXX, however, they only list XXXX in my qualifying payments. Additionally, My consolidation loan was disbursed in XXXX, however no payments were counted prior to XX/XX/XXXX. All payments have been on time. \n\nI began employment at XXXX XXXX XXXX XXXX XX/XX/XXXX. All employment has been verified. I filed for TEPSLF in XX/XX/XXXX, was then transferred to Mohela. spoke 3 times to Mohela representatives who assured me the 36 months would be counted, but they were delayed in counting TEPSLF-compliant payments. I ask the 36 months to be counted as verified which brings my count to XXXX qualifying payments for the program.","date_sent_to_company":"2023-08-29T16:04:22.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"60202","tags":null,"has_narrative":true,"complaint_id":"7467249","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"MOHELA","date_received":"2023-08-29T15:50:52.000Z","state":"IL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Received bad information about your loan"},"highlight":{"complaint_what_happened":["COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX PRODUCT <em>Student</em> <em>loan</em> ISSUE <em>Dealing</em> with <em>your</em> <em>lender</em> or <em>servicer</em> Previously, they erroneously counted my qualifying payments. According to their website, every month has counted as qualifying for XXXX between XX/XX/XXXX and XX/XX/XXXX which is XXXX, however, they only list XXXX in my qualifying payments. Additionally, My consolidation <em>loan</em> was disbursed in XXXX, however no payments were counted prior to XX/XX/XXXX. All payments have been on time."],"product":["<em>Student</em> <em>loan</em>"],"issue":["<em>Dealing</em> with <em>your</em> <em>lender</em> or <em>servicer</em>"],"sub_product":["Federal <em>student</em> <em>loan</em> servicing"],"sub_issue":["Received bad information about <em>your</em> <em>loan</em>"]},"sort":[21.180582,"7467249"]},{"_index":"complaint-public-v1","_id":"2264675","_score":21.14315,"_source":{"product":"Debt collection","complaint_what_happened":"NES is attempting to collect on loans that were previously deleted from my account. I received notification from all XXXX credit bureaus that the XXXX negative items were removed from my credit report and would not be placed on my credit again. They claim that XXXX XXXX XXXX owns this debt but I never signed any paperwork with them and never showed how they own and if they have the rights to collect on this account. I want the XXXX loans to be off my credit report for good. I never signed any agreements with XXXX XXXX XXXX and they have submitted any proof the own the rights to the loans. I asked XXXX for this information twice but they decided to send the XXXX loans to a collection law firm, it is illegal for XXXX XXXX XXXX or XXXX to keep sending these loans to a collection agency after the loans were removed from my credit report 3 weeks ago. They are ruining my credit and I will have to get a FDCPA to put a stop this once and for all. \n\n\nConsent to publish the description of what happened? Consent provided My loan is Non-federal student loan ( Private, alternative, other student loan ) Issue Dealing with my lender or servicer : Do n't agree with fees charged Desired resolution [ Edit ] What do you think would be a fair resolution to your issue? \nI want all of the negative credit marks to be removed from my credit report because they do not have the right to collect on the loan or can account for any information they received from XXXX about the loans. The loans are not collectible.","date_sent_to_company":"2016-12-28T01:32:57.000Z","issue":"False statements or representation","sub_product":"Non-federal student loan","zip_code":"622XX","tags":null,"has_narrative":true,"complaint_id":"2264675","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"National Enterprise Systems, Inc.","date_received":"2016-12-28T01:32:57.000Z","state":"IL","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["Consent provided My <em>loan</em> is Non-federal <em>student</em> <em>loan</em> ( Private, alternative, other <em>student</em> <em>loan</em> ) Issue <em>Dealing</em> with my <em>lender</em> or <em>servicer</em> : Do n't agree with fees charged Desired resolution [ Edit ] What do you think would be a fair resolution to <em>your</em> issue? \nI want all of the negative credit marks to be removed from my credit report because they do not have the right to collect on the <em>loan</em> or can account for any information they received from XXXX about the <em>loans</em>."],"sub_product":["Non-federal <em>student</em> <em>loan</em>"]},"sort":[21.14315,"2264675"]},{"_index":"complaint-public-v1","_id":"13678032","_score":20.515743,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Hello, Last year I filed a complaint against this company as a result of their releasing the original signer of the student loan from her obligation to repay it and reassigning the debt to me as the cosigner. Due to various discrepancies like not having a copy of the loan, multiple Truth and Lending Statements etc, payment was stopped on the loan in XX/XX/XXXX. The account closed in XX/XX/XXXX. \nSince then the creditor has been submitting incorrect information to Equifax and TransUnion each month saying the account is delinquent or in collections. I have disputed the information on my credit reports but Firstmark Services ( formerly known as NelNet ) has refused to clean up my credit reports. \nSeveral months after the account closed last year I learned that the original signer 's debt was not discharged in her bankruptcy which she filed in XX/XX/XXXX. I provided this information to XXXX  and XXXX  in recent disputes and yet Firstmark continues to refuse to remove the derogatory ratings and clean up my file back to XX/XX/XXXX which is when the loan was unilaterally changed from the signer being responsible to me, the cosigner, being responsible. Firstmarks actions have had negative consequences to both credit scores from these credit companies. \nWhen I reached out to XXXX, for example, they continue to ask for more supporting documentation. They ask me for the information when in fact Firstmark Services as a creditor listed in the bankruptcy in XX/XX/XXXX has the documentation. There is and has been a cost to me to locate and obtain information through the bankruptcy court and to retain a bankruptcy attorney in order to find out the status of this loan through the bankruptcy court. Firstmark Services should be held accountable for the undue hardship they caused on my financial and emotional wellbeing in dealing with this issue for almost a year and a half. \nIn closing, the original signer of the student loan made payments after the bankruptcy was finalized in XX/XX/XXXX which is certainly counter to her best interest if she in fact had an order releasing her from this debt. It was Firstmark Services who purported in XX/XX/XXXX that she was no longer obligated. I'm submitting the documents I recently provided to XXXX  and XXXX  from the court showing the student loan was not XXXX in XX/XX/XXXX. \nThank you for your time in this matter.","date_sent_to_company":"2025-05-23T21:39:25.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"92505","tags":null,"has_narrative":true,"complaint_id":"13678032","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2025-05-23T20:57:18.000Z","state":"CA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I'm submitting the documents I recently provided to XXXX  and XXXX  from the court showing the <em>student</em> <em>loan</em> was not XXXX in XX/XX/XXXX. \nThank you for <em>your</em> time in this matter."],"issue":["Incorrect information on <em>your</em> report"]},"sort":[20.515743,"13678032"]},{"_index":"complaint-public-v1","_id":"1567759","_score":20.495592,"_source":{"product":"Student loan","complaint_what_happened":"I have XXXX loans that are being serviced by AES. Due to the ridiculous 12 month limit for forbearance, I no longer have any forbearance as that was used when I went on maternity leave with each of my XXXX children. I have been unemployed for over a year and have done my best to keep up with the payments. I am a point where I can only pay for XXXX of the loans. I thought I was making the payment for XXXX loan, but as it turns out, AES was applying the payment I was submitting to both of the loans. Obviously, the amount was not enough to cover both loans. All this time I thought I was keeping up with at least XXXX loan, but just found out that my payment was being dispersed to both loans. Now I am delinquent on both loans. The loan I was trying to keep up with has a co-signer that I did not want to ruin their credit due my unemployment. I called AES and explained my situation but they refused to adjust the payments to the XXXX loan I was trying to keep current. By looking at the payments I have made, it is obviously to anyone looking at the amounts due on each of the loan that the payment amount matches XXXX of the loans ... .the XXXX I intended to pay. As a result of this obvious mistake I now have XXXX delinquent loans instead of XXXX AES refused to do anything to remedy this situation. \nThis is the reason student hate private lenders. They refuse to work with you even when it 's obvious that a mistake was made. Something needs to be done about them because this type of situation is ridiculous! For those of you who are dealing with AES ... be sure to specify your payments otherwise they will distribute your payment in whatever way they want, not the way you want it. Apparently you can not make any mistakes when it comes to private lenders.","date_sent_to_company":"2015-09-16T17:12:43.000Z","issue":"Dealing with my lender or servicer","sub_product":"Non-federal student loan","zip_code":"95076","tags":null,"has_narrative":true,"complaint_id":"1567759","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AES/PHEAA","date_received":"2015-09-16T17:12:42.000Z","state":"CA","company_public_response":null,"sub_issue":"Trouble with how payments are handled"},"highlight":{"complaint_what_happened":["This is the reason <em>student</em> hate private <em>lenders</em>. They refuse to work with you even when it 's obvious that a mistake was made. Something needs to be done about them because this type of situation is ridiculous! For those of you who are <em>dealing</em> with AES ... be sure to specify <em>your</em> payments otherwise they will distribute <em>your</em> payment in whatever way they want, not the way you want it. Apparently you can not make any mistakes when it comes to private <em>lenders</em>."],"product":["<em>Student</em> <em>loan</em>"],"issue":["<em>Dealing</em> with my <em>lender</em> or <em>servicer</em>"],"sub_product":["Non-federal <em>student</em> <em>loan</em>"]},"sort":[20.495592,"1567759"]},{"_index":"complaint-public-v1","_id":"21533836","_score":19.592392,"_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":["Product : <em>Student</em> <em>Loan</em> Issue : <em>Dealing</em> with <em>your</em> <em>lender</em> or <em>servicer</em> Sub-issue : Trouble with payment processing / Incorrect information Complaint : I am submitting a formal complaint against my <em>student</em> <em>loan</em> <em>servicer</em>, MOHELA, regarding improper handling of my Public <em>Service</em> <em>Loan</em> Forgiveness ( PSLF ) eligibility, payment count, and repayment plan status."],"product":["<em>Student</em> <em>loan</em>"],"issue":["<em>Dealing</em> with <em>your</em> <em>lender</em> or <em>servicer</em>"],"sub_product":["Federal <em>student</em> <em>loan</em> servicing"]},"sort":[19.592392,"21533836"]},{"_index":"complaint-public-v1","_id":"11720287","_score":19.550173,"_source":{"product":"Student loan","complaint_what_happened":"COMPLAINT SUMMARY : I am filing a complaint against XXXX for failing to inform me about XXXX discharge options after my emergency XXXX XXXX, despite multiple direct discussions about my medical condition and XXXX eligibility. \n\nFiled complaint with XX/XX/XXXXCOMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX PRODUCT Student loan ISSUE Dealing with your lender or servicer XX/XX/XXXX: Company responded Status Company XXXXesponded on XX/XX/XXXX Response Type Closed with explanation Company 's Response Dear XXXX XXXX Thank you for contacting Navient about your student loan. Please be advised the servicing of your loan ( s ) has transferred to MOHELA. Because of this transfer, the issues you raised should be addressed by MOHELA directly, as they now manage the servicing of your loan ( s ). Given the importance of your inquiry, we want to ensure you have the correct contact information for MOHELA : Customer Service : XXXX Office of the Customer Advocate : XXXX XXXX Contacting MOHELA directly will ensure that your concerns are directed to and managed by the appropriate team. \n\n\n\nTIMELINE : - XXXX XXXX : Full-time family caregiver for 9 years - XX/XX/XXXX : Emergency XXXX XXXX resulting in XX/XX/XXXXand complications - XX/XX/XXXX : Contacted XX/XX/XXXXabout loan options, informed them of XXXX and medical condition - XXXX : Social worker informed me I should have applied for XXXX discharge - XX/XX/XXXX : Called XXXX again ; representative dismissed my concerns, mockingly compared my situation to his grandfather in a wheelchair, and claimed they had \" no duty '' to inform me about XXXX discharge options SPECIFIC FAILURES BYXX/XX/XXXX : 1. Failed to disclose Total and Permanent XXXX ( TPD ) discharge program despite knowing about my XXXX XXXX 2. Only offered zero-payment option without explaining continued interest accrual 3. Representative in XXXX displayed inappropriate behavior and deliberately withheld information about XXXX discharge 4. Claimed they had \" no reason to think XXXX could be serious '' despite being informed of XXXX XXXX and complications NEGATIVE IMPACTS : - Substantial interest accumulation - Damaged credit score - Increased recovery stress - Lost Employment Opportunities - Lost loan opportunities - Lost opportunity for timely XXXX discharge application - Financial hardship during medical recovery. \n\nXXXX remains responsible for their past actions and failures, even if they've transferred servicing : - Their failure to inform about XXXX discharge happened while they were the servicer is still their responsibility.","date_sent_to_company":"2025-01-23T04:10:21.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"37027","tags":null,"has_narrative":true,"complaint_id":"11720287","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"MOHELA","date_received":"2025-01-23T03:50:54.000Z","state":"TN","company_public_response":null,"sub_issue":"Received bad information about your loan"},"highlight":{"complaint_what_happened":["Filed complaint with XX/XX/XXXXCOMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX PRODUCT <em>Student</em> <em>loan</em> ISSUE <em>Dealing</em> with <em>your</em> <em>lender</em> or <em>servicer</em> XX/XX/XXXX: Company responded Status Company XXXXesponded on XX/XX/XXXX Response Type Closed with explanation Company 's Response Dear XXXX XXXX Thank you for contacting Navient about <em>your</em> <em>student</em> <em>loan</em>. Please be advised the <em>servicing</em> of <em>your</em> <em>loan</em> ( s ) has transferred to MOHELA."],"product":["<em>Student</em> <em>loan</em>"],"issue":["<em>Dealing</em> with <em>your</em> <em>lender</em> or <em>servicer</em>"],"sub_product":["Federal <em>student</em> <em>loan</em> servicing"],"sub_issue":["Received bad information about <em>your</em> <em>loan</em>"]},"sort":[19.550173,"11720287"]},{"_index":"complaint-public-v1","_id":"2466065","_score":19.333254,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have submitted this claim prior but their response is still inaccurate . [  Case number :  XXXX  : YOUR COMPLAINT On  XXXX , I was contacted by  XXXX  and found out that payments made to  XXXX   XXXX  loans were only being applied to my  XXXX   XXXX . This has my  Direct Student  behind over 150 days behind despite paying almost double the minimum payment monthly for over 2 years. Being concerned about my credit report I agreed to forebearance to bring current. I have requested that i have written explanation of this and resolution so going forward so funds can be applied appropriately but seeing the articles I am concerned that this matter wont be resolved Hide full complaint What product or service is your complaint about?     PRODUCT OR SERVICE Student loan TYPE Federal student loan What type of problem are you having?       ISSUE Dealing with my lender or servicer HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY?   No Additional information COLLEGE OR UNIVERSITY  XXXX   XXXX  NAME ON ACCOUNT  XXXX   XXXX   XXXX  DISPUTED COMPANY 'S RESPONSE?   No What happened?     On  XXXX , I was contacted by  XXXX  and found out that payments made to  XXXX   XXXX /Direct loans were only being applied to my  XXXX   XXXX . This has my  Direct Student  behind over 150 days behind despite paying almost double the minimum payment monthly for over 2 years. Being concerned about my credit report I agreed to forebearance to bring current. I have requested that i have written explanation of this and resolution so going forward so funds can be applied appropriately but seeing the articles I am concerned that this matter wont be resolved I want the CFPB to publish this description on  consumerfinance.gov so that others can learn from my experience.      The CFPB will take steps to remove my personal information from this description but someone   may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps.\nWhat would be a fair resolution to this issue?\nHave the payment made to the separate account list on the payment forms, written letters to all   XXXX   credit agencies and correct the reports admitting to misappropriation of payments on their behalf with a letter for my own personal records What company is this complaint about?\nCOMPANY INFORMATION    XXXX   XXXX   Other  information about this company What people are involved?       YOUR CONTACT INFORMATION  XXXX   XXXX   XXXX  XXXX  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , New York  XXXX  United States Sent to company STATUS Sent to company on  XXXX  We 've sent your complaint to the company, and we will let you know when they respond.     Their response should include the steps they took, or will take, to address your complaint.     You should receive an update from the company within the next 15 days, and a final response within 60 days.     Company responded STATUS Company responded Closed with explanation on  XXXX  RESPONSE TYPE Closed with explanation Company 's response Thank you for reaching out to the CFPB with your concerns regarding your student loan account. ED-Navient currently services  two Direct Stafford Loans  on your behalf.  XXXX  currently services a  XXXX   XXXX   XXXX  on your behalf. Your Direct Loans and Consolidation Loan require separate payments to different addresses. Our records indicate that payments of {$35.00} have been received for your Navient serviced loan, which are insufficient to cover the full monthly payment amount. You can view your full payment history by logging into your account on Navient.com, selecting 'Account History ' from the menu, and selecting the time-period you wish to view. The monthly payment for your ED- XXXX  loans is {$41.00} and is next due approximately  XXXX   XXXX ,   XXXX  . The monthly payment for your  XXXX  loan is {$320.00}, and is next due approximately  XXXX   XXXX ,   XXXX  . We offer several options for making electronic payments free-of-charge. You  may submit a payment online at Navient.com by using your checking or savings account. You can also authorize the automatic deduction of funds from your bank account by enrolling in Auto Pay.  If you use e-billing through your bank or another third-party bill pay service, another payment option is to establish  XXXX  as the payee using your account number and  XXXX  's payment address. Please send payments for your ED- XXXX  loan to  XXXX  Department of Education Servicing,  XXXX .  XXXX   XXXX ,  XXXX , GA  XXXX . Please send payments for your Navient serviced loan to  XXXX ,  XXXX .  XXXX   XXXX ,  XXXX , PA  XXXX . We 've conducted a thorough investigation stemming from your request that we review your credit report, which was completed. Based on the information available, our research has concluded that the information we 're reporting to the consumer reporting agencies is accurate and that no corrections are warranted. We have updated your credit report to reflect your disputed loan  ( s  ) as follows : Completed investigation of FCRA dispute - consumer disagrees. This narrative will be reflected on your credit report for each open loan you included in your dispute and will be included with our next update to the  Consumer Reporting  Agencies. If you wish to have this narrative removed from your credit report, please write to us at  XXXX .  XXXX   XXXX ,  XXXX , PA  XXXX . Please include your name, address, account/loan number  ( s  ), and indicate that you wish to have the dispute narrative removed from your credit report. The Fair Credit Reporting Act requires lenders who report information to the consumer reporting agencies to do so with accuracy.  XXXX  can not remove accurate information previously reported. We have confirmed our credit reporting is accurate.","date_sent_to_company":"2017-04-25T18:09:36.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"10469","tags":null,"has_narrative":true,"complaint_id":"2466065","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2017-04-25T18:09:33.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I have requested that i have written explanation of this and resolution so going forward so funds can be applied appropriately but seeing the articles I am concerned that this matter wont be resolved Hide full complaint What product or <em>service</em> is <em>your</em> complaint about?     PRODUCT OR <em>SERVICE</em> <em>Student</em> <em>loan</em> TYPE Federal <em>student</em> <em>loan</em> What type of problem are you having?       ISSUE <em>Dealing</em> with my <em>lender</em> or <em>servicer</em> HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY?"],"issue":["Incorrect information on <em>your</em> report"]},"sort":[19.333254,"2466065"]},{"_index":"complaint-public-v1","_id":"1955663","_score":19.247152,"_source":{"product":"Student loan","complaint_what_happened":"Submit a student loan complaint We 'll forward your issue to the company, give you a tracking number, and keep you updated on the status of your complaint. \n\n\n\n\nWhat happened? \nDesired resolution My information Product information 5.Review What happened [ Edit ] Describe what happened so we can understand the issue ... \nNavient has been calling me and mailing letters. Additionally a letter that indicated negative information on my credit report which may make it difficult for me to obtain future credit including auto loans, additional education loans, home loans and even credit cards. Apparently, I tried to refinance my condo, but Navient affected and damaged my credit rating. I am retired, XXXX veteran, and on a fixed income. I am a cosigner for my daughter 's college loans and she has not graduated yet. Navient is very unfair and reported me to the credit bureau. Subsequently, my credit rating was good, but Navient damaged it only to intentionally prevent me from obtaining other loans. \n\n\nConsent to publish the description of what happened? Consent provided My loan is Non-federal student loan ( Private, alternative, other student loan ) Issue Dealing with my lender or servicer : Received bad information about my loan Desired resolution [ Edit ] What do you think would be a fair resolution to your issue? \nNavient forgive borrower and cosigner of all student loans due to the hardship that I had to endure and the difficult problems I have had with them. \nNavient repair credit scores which they reported to the credit bureau. \nNavient stop calling and harassing me day and night. \n\n\nMy information [ Edit ] Contact information Mailing address XXXX XXXX WA XXXX United States Email XXXX Phone XXXX Age XXXX I am submitting on behalf of Myself Product information [ Edit ] Billing address is the same as mailing address. \n\nAccount/Loan number or SSN XXXX Information about the company Navient Corporation Navient has been calling me and mailing letters. I also received a letter that indicates negative information on my credit report which may make it difficult for me to obtain future credit including auto loans, additional education loans, home loans and even credit cards. Subsequently, I tried to obtain additional education loans and also refinance my condo but Navient affected and damaged my credit ratings. I am retired, XXXX veteran, and on a fixed income. I am a cosigner for my daughter 's college loans and she has not graduated yet. Navient is very unfair and reported me to the credit bureau. I have had good credit ratings, but Navient damaged it only to intentionally prevent me from obtaining other loans.","date_sent_to_company":"2016-06-07T00:30:34.000Z","issue":"Dealing with my lender or servicer","sub_product":"Non-federal student loan","zip_code":"984XX","tags":"Older American","has_narrative":true,"complaint_id":"1955663","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2016-06-07T00:30:33.000Z","state":"WA","company_public_response":null,"sub_issue":"Received bad information about my loan"},"highlight":{"complaint_what_happened":["Subsequently, my credit rating was good, but Navient damaged it only to intentionally prevent me from obtaining other <em>loans</em>. \n\n\nConsent to publish the description of what happened? Consent provided My <em>loan</em> is Non-federal <em>student</em> <em>loan</em> ( Private, alternative, other <em>student</em> <em>loan</em> ) Issue <em>Dealing</em> with my <em>lender</em> or <em>servicer</em> : Received bad information about my <em>loan</em> Desired resolution [ Edit ] What do you think would be a fair resolution to <em>your</em> issue?"],"product":["<em>Student</em> <em>loan</em>"],"issue":["<em>Dealing</em> with my <em>lender</em> or <em>servicer</em>"],"sub_product":["Non-federal <em>student</em> <em>loan</em>"],"sub_issue":["Received bad information about my <em>loan</em>"]},"sort":[19.247152,"1955663"]},{"_index":"complaint-public-v1","_id":"11399164","_score":19.210056,"_source":{"product":"Student loan","complaint_what_happened":"This is a continuation of COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX PRODUCT Student loan ISSUE Dealing with your lender or servicer ( EdFinancial Services ). \n\nACCT # XXXX I have received a notice dated XX/XX/XXXX that I will not receive my overpayment refund of {$1100.00} until EdFinancial gets the money back from a canceled check. I checked the Internet and it said that, although it may take a couple of weeks to issue a new check, it is not normal practice to fail to issue a new check after a stop on an uncashed check. The Internet said that EdFinancial 's actions are considered improper, as it would be denying the recipient access to the funds of a rightful payment. It also said the refund check is considered a check and not a money order, so there is no lost cash and no funds to get back. On XX/XX/XXXX, I was told on the phone that I would receive the check within 7-10 days. \n\nI am filing another complaint because on XX/XX/XXXX, I asked EdFinancial about the check and I informed EdFinancial that I would file another complaint if they did not provide the refund check. On XX/XX/XXXX, XXXX responded via email as indicated below. They are going back to the no particular time frame argument. It has been over 7 months now and they keep providing excuses. \n\nHello XXXX, Thank you for contacting Edfinancial Services. According to your account, the request to cancel the check was received on XX/XX/XXXX. We are still waiting for the new check to be created and sent. Please remember there is no particular time frame in this process. We do appreciate your patience. \n\nThank you, XXXX Edfinancial Services XXXX XXXX, XXXX.","date_sent_to_company":"2025-01-06T22:29:06.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"467XX","tags":null,"has_narrative":true,"complaint_id":"11399164","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EdFinancial Services","date_received":"2025-01-06T22:06:00.000Z","state":"IN","company_public_response":null,"sub_issue":"Problem with customer service"},"highlight":{"complaint_what_happened":["This is a continuation of COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX PRODUCT <em>Student</em> <em>loan</em> ISSUE <em>Dealing</em> with <em>your</em> <em>lender</em> or <em>servicer</em> ( EdFinancial <em>Services</em> ). \n\nACCT # XXXX I have received a notice dated XX/XX/XXXX that I will not receive my overpayment refund of {$1100.00} until EdFinancial gets the money back from a canceled check."],"product":["<em>Student</em> <em>loan</em>"],"issue":["<em>Dealing</em> with <em>your</em> <em>lender</em> or <em>servicer</em>"],"company":["EdFinancial <em>Services</em>"],"sub_product":["Federal <em>student</em> <em>loan</em> servicing"],"sub_issue":["Problem with customer <em>service</em>"]},"sort":[19.210056,"11399164"]},{"_index":"complaint-public-v1","_id":"2161360","_score":18.748486,"_source":{"product":"Other financial service","complaint_what_happened":"I have a student loan that surpassed {$100.00} and no way to pay it with the little money I make. I have always managed and dealt with my lender as far as filing forms, forbearance and whatever paperwork needed to be done. I wanted to pay my student loan and I 've heard about the Student Loan Relief program so on XX/XX/2016 I called this company because they have contacted me before via email, the company name THE STUDENT LOAN RELIEF DEPARTMENT. ( TSLRD ) I called TSLRD and XXXX XXXX gave me the information how they would help me lower my student loan debt, she said \" Our company, TSLRD, works directly with the Department of Education and WE 'LL HELP YOU LOWER YOUR DEBT. XXXX XXXX said that in order to lower my debt I had to pay XXXX XXXX XXXX {$39.00} for 48 months, a total of {$1800.00} for them to handle my paper work, to lower my debt to a grand total of {$9.00}. She said it would take around 90 days to complete my paper work, but I needed to start my payments XX/XX/XXXX, and I needed to set a monthly direct payment from my bank, and so I did. Next we set to do and sign electronically all the paper work and information about my student loan and direct deposit. XXXX XXXX reassure me that my loan was going to be lowered to {$9.00} after I pay XXXX XXXX XXXX, {$1800.00} I had a family illness for a couple of months and did n't heard from TSLRD. Then I call them in XX/XX/XXXX, I wanted to find out how my was process going, I talked to a woman name XXXX and she said that my process has not been completed yet, because I have not giving them the password for my lender 's account, I went ahead and gave it to her, then my case was assign to another agent name Memory and she was supposed to call but she never call me so I called Memory, and she said that she would be working with me to try to lower my payments, that I needed to send her my pay stubs that I should give her till XX/XX/XXXX to do the work. I called Memory on XXXX, to find out how my process was going, she could n't recall my case or what she was supposed to work on, so I email her with all the questions again : WHY the Student Loan Relief Department had not finished my process, when THEY said it would take 90 days to go through ; I 've started XX/XX/XXXX, and here we arefour months later. WHY do I still owe my original lender? Andwhyam I paying monthly payments to some obscure entity that is not for mystudentloan? \n\nNext, on XX/XX/2028, Memory emailed me and said that she would rather talk to me on the phone. I called her next morning and placed the same questions I had in my email, why my original debt still with my original lender? who was her company? When was my account to be lower to {$9.00}? She did n't answer any of the questions just said that she got me a forbearance, and I told her I 've been dealing with my lender all these years I do n't need anyone to apply in my behalf I know how to deal with my lender. What I wanted her to answer was WHO AND WHEN WERE THERE GOING TO LOWER MY LOAN like XXXX XXXX had promised they would do. She said that she could n't tell me that and the only thing she could do was help me lower my payments, I said to her that THAT WAS NOT WHAT I SIGNED FOR and I would not be needing their services anymore because they have n't fulfilled what they have initially promise and that I was going to report them to the CFPB because that was a scam! Then she transferred me to a male representative and he told me that I had a contract and I have to pay it, and we argued, and then he tried to convince me to stay but I was furious to know that I have been scammed! \n\nIt was a big lie. I 've been SCAMMED, PLAIN FRAUD!","date_sent_to_company":"2016-11-08T14:02:03.000Z","issue":"Fraud or scam","sub_product":"Debt settlement","zip_code":"94103","tags":null,"has_narrative":true,"complaint_id":"2161360","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"Manhattan Beach Venture, LLC","date_received":"2016-10-14T19:48:48.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I wanted to pay my <em>student</em> <em>loan</em> and I 've heard about the <em>Student</em> <em>Loan</em> Relief program so on XX/XX/2016 I called this company because they have contacted me before via email, the company name THE <em>STUDENT</em> <em>LOAN</em> RELIEF DEPARTMENT. ( TSLRD ) I called TSLRD and XXXX XXXX gave me the information how they would help me lower my <em>student</em> <em>loan</em> debt, she said \" Our company, TSLRD, works directly with the Department of Education and WE 'LL HELP YOU LOWER <em>YOUR</em> DEBT."],"product":["Other financial <em>service</em>"]},"sort":[18.748486,"2161360"]},{"_index":"complaint-public-v1","_id":"2466067","_score":18.718962,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have submitted this claim prior but their response is still inaccurate.  [ C ase number :  XXXX  : YOUR COMPLAINT On   XXXX  , I was contacted by  XXXX  and found out that payments made to  XXXX   XXXX  loans were only being applied to my  XXXX   XXXX . This has my  XXXX   XXXX  behind over 150 days behind despite paying almost double the minimum payment monthly for over 2 years. Being concerned about my credit report I agreed to forebearance to bring current. I have requested that i have written explanation of this and resolution so going forward so funds can be applied appropriately but seeing the articles I am concerned that this matter wont be resolved Hide full complaint What product or service is your complaint about?     PRODUCT OR SERVICE Student loan TYPE Federal student loan What type of problem are you having?       ISSUE Dealing with my lender or servicer HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY?   No Additional information COLLEGE OR UNIVERSITY  XXXX   XXXX  NAME ON ACCOUNT  XXXX   XXXX  CONSUMER DISPUTED COMPANY 'S RESPONSE?   No What happened?     On  XXXX , I was contacted by  XXXX  and found out that payments made to   XXXX   XXXX   Direct loans w ere only being applied to my  XXXX   XXXX . This has my  Direct Student b ehind over 150 days behind despite paying almost double the minimum payment monthly for over 2 years. Being concerned about my credit report I agreed to forebearance to bring current. I have requested that i have written explanation of this and resolution so going forward so funds can be applied appropriately but seeing the articles I am concerned that this matter wont be resolved I want the CFPB to publish this description on  consumerfinance.gov  so that others can learn from my experience.     The CFPB will take steps to remove my personal information from this description but someone  may  still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps.               What would be a fair resolution to this issue?     Have the payment made to the separate account list on the payment forms, written letters to al l 3  credit agencies and correct the reports admitting to misappropriation of payments on their behalf with a letter for my own personal records What company is this complaint about?      COMPANY INFORMATION   XXXX   XXXX  Other information about this company What people are involved?       YOUR CONTACT INFORMATION  XXXX   XXXX   XXXX  XXXX  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , New York  XXXX  United States Sent to company STATUS Sent to company on  XXXX  We 've sent your complaint to the company, and we will let you know when they respond.     Their response should include the steps they took, or will take, to address your complaint.     You should receive an update from the company within the next 15 days, and a final response within 60 days.     Company responded STATUS Company responded Closed with explanation on  XXXX  RESPONSE TYPE Closed with explanation Company 's response Thank you for reaching out to the CFPB with your concerns regarding your student loan account. ED-Navient currently services two  Direct Stafford Loans on  your behalf.  XXXX  currently services a  Federal Consolidation Loan  on your behalf. Your  Direct  Loans and Consolidation Loan require separate payments to different addresses. Our records indicate that payments of {$35.00} have been received for your   XXXX    serviced loan, which are insufficient to cover the full monthly payment amount. You can view your full payment history by logging into your account on  XXXX , selecting 'Account History ' from the menu, and selecting the time-period you wish to view. The monthly payment for your ED-  XXXX   loans is {$41.00} and is next due approximately   XXXX   XXXX   XXXX    . The monthly payment for your  XXXX  loan is {$320.00}, and is next due approximately   XXXX   XXXX   XXXX    . We offer several options for making electronic payments free-of-charge. You may submit a payment online at   XXXX    by using your checking or savings account. You can also authorize the automatic deduction of funds from your bank account by enrolling in  Auto  Pay. If you use e-billing through your bank or another third-party bill pay service, another payment option is to establish  XXXX  as the payee using your account number and  XXXX  's payment address. Please send payments for your ED- XXXX  loan to  XXXX    XXXX   XXXX   XXXX   XXXX    XXXX .  XXXX   XXXX ,  XXXX , GA  XXXX . Please send payments for your  XXXX  serviced loan to  XXXX ,  XXXX .  XXXX   XXXX ,  XXXX , PA  XXXX . We 've conducted a thorough investigation stemming from your request that we review your credit report, which was completed. Based on the information available, our research has concluded that the information we 're reporting to the consumer reporting agencies is accurate and that no corrections are warranted. We have updated your credit report to reflect your disputed lo an ( s  ) as follows : Completed investigation of FCRA dispute - consumer disagrees. This narrative will be reflected on your credit report for each open loan you included in your dispute and will be included with our next update to the  Consumer Reporting Ag encies. If you wish to have this narrative removed from your credit report, please write to us at  XXXX .  XXXX   XXXX ,  XXXX , PA  XXXX . Please include your name, address, account/loan number  ( s  ), and indicate that you wish to have the dispute narrative removed from your credit report. The Fair Credit Reporting Act requires lenders who report information to the consumer reporting agencies to do so with accuracy.  XXXX  can not remove accurate information previously reported. We have confirmed our credit reporting is accurate.","date_sent_to_company":"2017-04-25T18:09:36.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"10469","tags":null,"has_narrative":true,"complaint_id":"2466067","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-04-25T18:09:33.000Z","state":"NY","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I have requested that i have written explanation of this and resolution so going forward so funds can be applied appropriately but seeing the articles I am concerned that this matter wont be resolved Hide full complaint What product or <em>service</em> is <em>your</em> complaint about?     PRODUCT OR <em>SERVICE</em> <em>Student</em> <em>loan</em> TYPE Federal <em>student</em> <em>loan</em> What type of problem are you having?       ISSUE <em>Dealing</em> with my <em>lender</em> or <em>servicer</em> HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY?"],"issue":["Incorrect information on <em>your</em> report"]},"sort":[18.718962,"2466067"]},{"_index":"complaint-public-v1","_id":"16987508","_score":18.556646,"_source":{"product":"Student loan","complaint_what_happened":"XXXX XX/XX/XXXX I attempted to communicate with the school ( XXXX, emailed to XXXX ) to request for a refund and received no reply. \n\nXXXX XX/XX/XXXX I attempted to re-open an old request to cancel my loan that started on XX/XX/year> and received no replies from either XXXX  or Climb from this thread. \n\nXXXX XX/XX/XXXX I emailed this message to both XXXX ; XXXX : Hello, I attempted to contact XXXX  earlier this week due to the closure of the school. I was hoping to receive a refund or cancellation due to the lack of services provided during my time with XXXX  as well as due to this recent closure. \n\nThank you! \n\nOn XX/XX/XXXX I receive the following reply : Hello! \n\nWere very sorry youre dealing with this. When the loan was originated, Climb sent tuition funds to XXXX. Climb can not process a refund until XXXX sends back those tuition funds. We can process a refund only after XXXX initiates it through our portal and remits the tuition funds. The final decision of whether to refund rests with XXXX, but well move quickly to apply any school-submitted refund to your loan. \n\nWe encourage you to email XXXX  to request a refund in writing and send any communication regarding refund promises to Climb. You can reach out to XXXX  at XXXX. \n\nIf payments are difficult while this is being reviewed, we advise you to contact your loan servicer, XXXX, at ( XXXX ) XXXX. They may be able to offer alternative repayment options. \nBest Regards, Climb Team -Today ( XX/XX/XXXX ) I was advised \" Under the FTC Holder Rule ( 16 CFR 433 ) and federal consumer credit protections, when a school shuts down and stops providing the program we financed, the lender can not force students to chase the closed school for refunds. ''","date_sent_to_company":"2025-11-03T19:18:49.000Z","issue":"Dealing with your lender or servicer","sub_product":"Private student loan","zip_code":"22003","tags":"Servicemember","has_narrative":true,"complaint_id":"16987508","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Climb Credit Inc.","date_received":"2025-11-03T18:53:19.000Z","state":"VA","company_public_response":null,"sub_issue":"Trouble with how payments are being handled"},"highlight":{"complaint_what_happened":["If payments are difficult while this is being reviewed, we advise you to contact <em>your</em> <em>loan</em> <em>servicer</em>, XXXX, at ( XXXX ) XXXX. They may be able to offer alternative repayment options. \nBest Regards, Climb Team -Today ( XX/XX/XXXX ) I was advised \" Under the FTC Holder Rule ( 16 CFR 433 ) and federal consumer credit protections, when a school shuts down and stops providing the program we financed, the <em>lender</em> can not force <em>students</em> to chase the closed school for refunds. ''"],"product":["<em>Student</em> <em>loan</em>"],"issue":["<em>Dealing</em> with <em>your</em> <em>lender</em> or <em>servicer</em>"],"sub_product":["Private <em>student</em> <em>loan</em>"]},"sort":[18.556646,"16987508"]},{"_index":"complaint-public-v1","_id":"2466063","_score":18.043402,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have submitted this claim prior but their response is still inaccurate.  [  Case number :  XXXX  : YOUR COMPLAINT On  XXXX , I was contacted by  XXXX  and found out that payments made to  XXXX   XXXX   XXXX   XXXX   were only being applied to my  XXXX   XXXX . This has my  XXXX   XXXX  behind over 150 days behind despite paying almost double the minimum payment monthly for over 2 years. Being concerned about my credit report I agreed to forebearance to bring current. I have requested that i have written explanation of this and resolution so going forward so funds can be applied appropriately but seeing the articles I am concerned that this matter wont be resolved Hide full complaint What product or service is your complaint about?     PRODUCT OR SERVICE Student loan TYPE Federal student loan What type of problem are you having?       ISSUE Dealing with my lender or servicer HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY?   No Additional information COLLEGE OR UNIVERSITY  XXXX   XXXX  NAME ON ACCOUNT  XXXX   XXXX  CONSUMER DISPUTED COMPANY 'S RESPONSE?   No What happened?     On  XXXX , I was contacted by  XXXX  and found out that payments made to   XXXX   XXXX  /  XXXX   XXXX   were only being applied to my  XXXX   XXXX . This has my  XXXX   XXXX  behind over 150 days behind despite paying almost double the minimum payment monthly for over 2 years. Being concerned about my credit report I agreed to forebearance to bring current. I have requested that i have written explanation of this and resolution so going forward so funds can be applied appropriately but seeing the articles I am concerned that this matter wont be resolved I want the CFPB to publish this description on  consumerfinance.gov  so that others can learn from my experience.     The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps.               What would be a fair resolution to this issue?     Have the payment made to the separate account list on the payment forms, written letters to all  3  credit agencies and correct the reports admitting to misappropriation of payments on their behalf with a letter for my own personal records What company is this complaint about?      COMPANY INFORMATION   XXXX   XXXX  Other information about this company What people are involved?       YOUR CONTACT INFORMATION  XXXX   XXXX   XXXX  XXXX  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , New York  XXXX  United States Sent to company STATUS Sent to company on  XXXX  We 've sent your complaint to the company, and we will let you know when they respond.     Their response should include the steps they took, or will take, to address your complaint.     You should receive an update from the company within the next 15 days, and a final response within 60 days.     Company responded STATUS Company responded Closed with explanation on  XXXX  RESPONSE TYPE Closed with explanation Company 's response Thank you for reaching out to the CFPB with your concerns regarding your student loan account.  XXXX - XXXX  currently services  two   Direct Stafford Loans  on your behalf.  XXXX  currently services a  Federal Consolidation Loan  on your behalf. Your Direct Loans and Consolidation Loan require separate payments to different addresses. Our records indicate that payments of {$35.00} have been received for your   XXXX    serviced loan, which are insufficient to cover the full monthly payment amount. You can view your full payment history by logging into your account on   XXXX  , selecting 'Account History ' from the menu, and selecting the time-period you wish to view. The monthly payment for your  XXXX  loans is {$41.00} and is next due approximately    XXXX   XXXX   XXXX     . The monthly payment for your  XXXX  loan is {$320.00}, and is next due approximately    XXXX   XXXX   XXXX     . We offer several options for making electronic payments free-of-charge. You  may  submit a payment online at   XXXX    by using your checking or savings account. You can also authorize the automatic deduction of funds from your bank account by enrolling in  Auto  Pay. If you use e-billing through your bank or another third-party bill pay service, another payment option is to establish  XXXX  as the payee using your account number and  XXXX  's payment address. Please send payments for your  XXXX  loan to  XXXX    XXXX   XXXX   XXXX    XXXX ,  XXXX .  XXXX   XXXX ,  XXXX , GA  XXXX . Please send payments for your   XXXX   serviced loan to  XXXX ,  XXXX .  XXXX   XXXX ,  XXXX , PA  XXXX . We 've conducted a thorough investigation stemming from your request that we review your credit report, which was completed. Based on the information available, our research has concluded that the information we 're reporting to the consumer reporting agencies is accurate and that no corrections are warranted. We have updated your credit report to reflect your disputed loan  ( s )  as follows : Completed investigation of FCRA dispute - consumer disagrees. This narrative will be reflected on your credit report for each open loan you included in your dispute and will be included with our next update to the  Consumer Reporting A gencies. If you wish to have this narrative removed from your credit report, please write to us at  XXXX .  XXXX   XXXX ,  XXXX , PA  XXXX . Please include your name, address, account/loan numbe r ( s  ), and indicate that you wish to have the dispute narrative removed from your credit report. The Fair Credit Reporting Act requires lenders who report information to the consumer reporting agencies to do so with accuracy.  XXXX  can not remove accurate information previously reported. We have confirmed our credit reporting is accurate.","date_sent_to_company":"2017-04-25T18:09:36.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"10469","tags":null,"has_narrative":true,"complaint_id":"2466063","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2017-04-25T18:09:33.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I have requested that i have written explanation of this and resolution so going forward so funds can be applied appropriately but seeing the articles I am concerned that this matter wont be resolved Hide full complaint What product or <em>service</em> is <em>your</em> complaint about?     PRODUCT OR <em>SERVICE</em> <em>Student</em> <em>loan</em> TYPE Federal <em>student</em> <em>loan</em> What type of problem are you having?       ISSUE <em>Dealing</em> with my <em>lender</em> or <em>servicer</em> HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY?"],"issue":["Incorrect information on <em>your</em> report"]},"sort":[18.043402,"2466063"]},{"_index":"complaint-public-v1","_id":"10918125","_score":17.844572,"_source":{"product":"Student loan","complaint_what_happened":"Previously filed a complaint... XXXX ( See below ) But it was not resolved. \n\n\n\nClosed Submitted Status Submitted to the CFPB on XX/XX/2024 Product Student loan Issue Dealing with your lender or servicer We received your complaint. Thank you. \nWe will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. \nYOUR COMPLAINT They say I owe and have missed payments. I have paid off my student loan and I have submitted proof of payment on their website several times.. I have also called several times and every person I speak to does not know what is going on.. I am seeking a legal counsel if this is not resolved. \n\nAttachments Proof of payment to MOHELA for student loans XX/XX/2024.pdf ( XXXX KB ) View full complaint Sent to company Status Sent to company on XX/XX/2024 We've sent your complaint to the company, and we will let you know when they respond. \n\nTheir response should include the steps they took, or will take, to address your complaint. \n\nCompanies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. \n\nCompany still working Status Company response is in progress as of XX/XX/2024 The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company. \n\nCOMPANY 'S INTERIM RESPONSE Additional research is needed to respond effectively. Thanks, MOHELA Company responded Status Company responded on XX/XX/2024 Response Type Closed with explanation Company 's Response Dear XXXX XXXX : MOHELA has reviewed the Consumer Financial Protection Bureau ( CFPB ) complaint, regarding the application of your payment. As of XX/XX/2024, your {$19000.00} payment has posted to your student loan account. Our records indicate that you paid off loan sequences 1 and 2. As a result, loan sequences loan sequences 1 and 2 are satisfied. If you have any other questions or concerns, please dont hesitate to contact a member of our Customer Advocacy Team at XXXX from XXXX to XXXX Mondays, XXXX to XXXX Tuesdays and Wednesdays, or XXXX to XXXX Thursdays and Fridays, Central Standard Time. You can also visit mohela.com Sincerely, MOHELA Feedback provided Status Feedback provided on XX/XX/2024 Your feedback The companys response addressed all of my issues No I understand the companys response to my complaint No The company did what they said they would do with my complaint No ADDITIONAL COMMENTS Mohela is still calling me for loan payments. This issue is not resolved!! \nWhat happens now? \nThe complaint process is complete and your complaint is now closed. \n\nWe have taken the following additional actions on your complaint : We added your complaint to the CFPBs Consumer Complaint Database. \nYour feedback, and feedback from others, helps us understand how companies are addressing concerns raised by consumers in their complaints. We will also share your feedback with the company. \nWe have also shared your complaint with the Federal Trade Commission, which will add your complaint to its database for state and federal law enforcement agencies. \nWe appreciate your participation in the complaint process and your feedback on the companys response. Both are important to us and consumers who may have similar issues and concerns.\n\nClosed The CFPB has closed your complaint.","date_sent_to_company":"2024-11-25T15:56:45.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"014XX","tags":null,"has_narrative":true,"complaint_id":"10918125","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"MOHELA","date_received":"2024-11-25T15:45:14.000Z","state":"MA","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":["Closed Submitted Status Submitted to the CFPB on XX/XX/2024 Product <em>Student</em> <em>loan</em> Issue <em>Dealing</em> with <em>your</em> <em>lender</em> or <em>servicer</em> We received <em>your</em> complaint. Thank you. \nWe will review <em>your</em> complaint. Depending on what we find, we will typically : Send <em>your</em> complaint to the company for a response ; or Send <em>your</em> complaint to another state or federal agency, or help you get in touch with <em>your</em> state or local consumer protection office ; or Let you know if we need more information to continue our work."],"product":["<em>Student</em> <em>loan</em>"],"issue":["<em>Dealing</em> with <em>your</em> <em>lender</em> or <em>servicer</em>"],"sub_product":["Federal <em>student</em> <em>loan</em> servicing"]},"sort":[17.844572,"10918125"]},{"_index":"complaint-public-v1","_id":"5158412","_score":17.637043,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"PLEASE REFER TO COMPLAINT # XXXX XXXX XXXX Federal student loan Dealing with your lender orservicer XXXX Unversity XX/XX/XXXX Open Information received XXXX XXXX XXXX Federal student loan Dealing with your lender orservicer Fed Loan Servicing ( PHEAA ) XX/XX/XXXX Open Submitted to theCFPB An official website of the United States Governmen In accordance with law : Furnishers of Information : General Section 623 ( e ) ; 15 U.S.C. 1681s-2 ; 12 CFR 1022, Subpart E Section 623 ( e ) required the Agencies and the Federal Trade Commission ( FTC ) to : 1. issue guidelines for use by furnishers regarding the accuracy and integrity of the information about consumers that they furnish to consumer reporting agencies ; 2. prescribe regulations requiring furnishers to establish reasonable policies and procedures for implementing the guidelines ; and 3. issue regulations identifying the circumstances under which a furnisher must reinvestigate disputes concerning the accuracy of information contained in a consumer report based on a direct request from a consumer. The Agencies and the FTC published final rules in the Federal Register ( 74 FR 31484 ) implementing this section of FCRA. These rules took effect XX/XX/XXXX. OnXX/XX/XXXX, the CFPB restated the FCRA regulations at 12 CFR Part 1022. ( 76 Fed Reg 79308 ). \n\n\nXXXX. XXXX, XXXX, and Fed Loan Servicing violated my consumer rights. As of today, the disputed loans have been removed from my credit report with no comment or note to explain the removal. Furthermore, this action has caused an adverse impact by reducing the average age of my credit history and failing to reflect the accounts closed and paid in full as opposed to cancelling them continues to exacerbate the financial and economic damage from carrying the debt since XXXX, default reporting to the credit bureaus, DOE, and civil claims court resulting from a fraudulently initiated complaint. I am not willing to accept a cancellation without equal compensation, restitution, and refund of loans repaid, court damages, and upper-level compensatory damages equivalent to fraud and substantial misrepresentation. I am awaiting the shelter verification letter to attach to the financial damage incurred by being forced into an emergency state shelter resulting from adverse credit reporting in XXXX. \n\nI have attached evidence of the negative credit impact and current reports verifying the debt cancelled from account. \n\n2. Please also investigate, remove, and refund the remaining {$2000.00} XXXX XXXX held by XXXX. I have repeatedly requested reconsideration of eligibility for cancellation denial and review of student account records showing that XXXX recharged me for transfer credits denied in XXXX and their failure to award grant monies in the amount accepted on financial aid award letter, 3. Please review my case in regard to my eligibility for relief under The Attorney Generals Office filed a lawsuit against PHEAA in XX/XX/XXXX alleging that it violated consumer protection laws relating to in administering the Public Service Loan Forgiveness ( PSLF ) and TEACH Grant programs and in handling Income-Driven Repayment ( IDR ) plan applications. A copy of the lawsuit is attached here. In particular, the lawsuit alleges that : PHEAA made account errors and provided borrowers with misinformation about eligibility requirements for PSLF that caused borrowers to lose months of qualifying payments toward loan forgiveness. \nPHEAA failed to timely process borrowers IDR plan applications, causing borrowers to lose months towards loan forgiveness. \nPHEAA erroneously caused TEACH Grant recipients to lose their grants and have them converted into loans that the recipients were required to repay. \nThe settlement provides an opportunity for borrowers who believe they may have been affected by these practices to obtain a detailed account review by submitting a claim form. If the account review identifies errors or misrepresentations, the borrower will receive account corrections and, in some cases, monetary relief. A copy of the settlement will be posted here when available. \n\nFor borrowers who are pursuing PSLF, the account review will determine whether PHEAA made errors that resulted in an inaccurate count of the number of qualifying payments that the borrower made towards loan forgiveness. The review will also determine whether PHEAA made misrepresentations to the borrower concerning which repayment plans, loan statuses, or employers qualify for PSLF. \nFor borrowers who applied for an IDR plan, the review will determine whether PHEAA delayed longer than 30 days in processing the borrowers IDR application, causing the borrower to miss the opportunity to make a qualifying payment towards loan forgiveness. ( Claim review denied, appeal submitted see attached ). I have included MA AGO contacts in the email for transparency and accountability, especially since the loans are indeed REMOVED AND I HAVE NOT RECEIVED A REFUND, ) 3. Pease review and afford me my constitutional right to due process. Allow me to be heard verbally and not just rely on the text. I have fought this battle for equity and justice for more than 5 years and there is no way to quantify the damage and irreparable harm but please allow my daughter and I the opportunity to share the impacts in our own words exercising our right to freedom of speech. \n\nPlease contact me with an update and or next steps regarding my rights to request compensation.","date_sent_to_company":"2022-01-28T06:20:17.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"022XX","tags":"Servicemember","has_narrative":true,"complaint_id":"5158412","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AES/PHEAA","date_received":"2022-01-28T01:20:11.000Z","state":"MA","company_public_response":null,"sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["PLEASE REFER TO COMPLAINT # XXXX XXXX XXXX Federal <em>student</em> <em>loan</em> <em>Dealing</em> with <em>your</em> <em>lender</em> orservicer XXXX Unversity XX/XX/XXXX Open Information received XXXX XXXX XXXX Federal <em>student</em> <em>loan</em> <em>Dealing</em> with <em>your</em> <em>lender</em> orservicer Fed <em>Loan</em> <em>Servicing</em> ( PHEAA ) XX/XX/XXXX Open Submitted to theCFPB An official website of the United States Governmen In accordance with law : Furnishers of Information : General Section 623 ( e ) ; 15 U.S.C. 1681s-2 ; 12 CFR 1022, Subpart E Section 623 ( e ) required the Agencies"],"issue":["Incorrect information on <em>your</em> report"]},"sort":[17.637043,"5158412"]},{"_index":"complaint-public-v1","_id":"2201442","_score":17.14423,"_source":{"product":"Other financial service","complaint_what_happened":"I have a student loan that surpassed {$100.00} and no way to pay it with the little money I make. I have always managed and dealt with my lender as far as filing forms, forbearance and whatever paperwork needed to be done. I wanted to pay my student loan and I 've heard about the XXXX program so on XX/XX/2016 I called this company because they have contacted me before via email, the company name XXXX. ( XXXX ) I called XXXX and XXXX gave me the information how they would help me lower my student loan debt, she said \" Our company, XXXX, works directly with the Department of Education and WE 'LL HELP YOU LOWER YOUR DEBT. XXXX said that in order to lower my debt I had to pay Equitable Acceptance Corporation {$39.00} for 48 months, a total of {$1800.00} for them to handle my paper work, to lower my debt to a grand total of {$9.00}. She said it would take around 90 days to complete my paper work, but I needed to start my payments in XX/XX/XXXX, and I needed to set a monthly direct payment from my bank, and so I did. Next we set to do and sign electronically all the paper work and information about my student loan and direct deposit. XXXX reassure me that my loan was going to be lowered to {$9.00} after I pay Equitable Acceptance Corporation, {$1800.00} I had a family illness for a couple of months and did n't heard from XXXX. Then I call them in XX/XX/XXXX, I wanted to find out how my was process going, I talked to a woman name XXXX and she said that my process has not been completed yet, because I have not giving them the password for my lender 's account, I went ahead and gave it to her, then my case was assign to another agent name XXXX and she was supposed to call but she never call me so I called XXXX, and she said that she would be working with me to try to lower my payments, that I needed to send her my pay stubs that I should give her till the XXXX to do the work. I called XXXX on XXXX, to find out how my process was going, she could n't recall my case or what she was supposed to work on, so I email her with all the questions again : WHY the XXXX had not finished my process, when THEY said it would take 90 days to go through ; I 've started in XX/XX/XXXX, and here we arefour months later. WHY do I still owe my original lender? Andwhyam I paying monthly payments to some obscure entity that is not for mystudentloan? \n\nNext, on XXXX, XXXX emailed me and said that she would rather talk to me on the phone. I called her next morning and placed the same questions I had in my email, why my original debt still with my original lender? who was her company? When was my account to be lower to {$9.00}? She did n't answer any of the questions just said that she got me a forbearance, and I told her I 've been dealing with my lender all these years I do n't need anyone to apply in my behalf I know how to deal with my lender. What I wanted her to answer was WHO AND WHEN WERE THERE GOING TO LOWER MY LOAN like XXXX had promised they would do. She said that she could n't tell me that and the only thing she could do was help me lower my payments, I said to her that THAT WAS NOT WHAT I SIGNED FOR and I would not be needing their services anymore because they have n't fulfilled what they have initially promise and that I was going to report them to the CFPB because that was a scam! Then she transferred me to a male representative and he told me that I had a contract and I have to pay it, and we argued, and then he tried to convince me to stay but I was furious to know that I have been scammed! \n\nIt was a big lie. I 've been SCAMMED, PLAIN FRAUD!","date_sent_to_company":"2016-11-14T14:22:06.000Z","issue":"Fraud or scam","sub_product":"Debt settlement","zip_code":"94103","tags":null,"has_narrative":true,"complaint_id":"2201442","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"Equitable Acceptance Corp","date_received":"2016-11-09T22:48:18.000Z","state":"CA","company_public_response":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","sub_issue":null},"highlight":{"complaint_what_happened":["I wanted to pay my <em>student</em> <em>loan</em> and I 've heard about the XXXX program so on XX/XX/2016 I called this company because they have contacted me before via email, the company name XXXX. ( XXXX ) I called XXXX and XXXX gave me the information how they would help me lower my <em>student</em> <em>loan</em> debt, she said \" Our company, XXXX, works directly with the Department of Education and WE 'LL HELP YOU LOWER <em>YOUR</em> DEBT."],"product":["Other financial <em>service</em>"]},"sort":[17.14423,"2201442"]},{"_index":"complaint-public-v1","_id":"20537159","_score":16.383736,"_source":{"product":"Student loan","complaint_what_happened":"CFPB COMPLAINT COPY FOR YOUR XXXX Consumer Financial Protection Bureau consumertinance.gov/complaint Complainant : XXXX XXXX Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX Email : XXXX Date : XX/XX/XXXX... \nHOW TO FILE : Go to consumerfinance.gov/complaint Select 'Student loan ' Select 'Federal student loan ' Company : Aidvantage Paste the narrative below CFPB FORM FIELDS FILL IN EXACTLY AS SHOWN Product : Student loan Sub-product : Federal student loan servicing Issue : Dealing with your lender or servicer Problem with customer service Company name : Advantage ( XXXX XXXX XXXX ) COMPLAINT NARRATIVE COPY AND PASTE THIS ENTIRE SECTION I am filing this complaint against Advantage ( XXXX XXXX XXXX XXXX for repeated mishandling of my XXXX XXXX XXXX XXXXXXXX ( XXXX  ) discharge application, failure to protect my loans during an active XXXX review period, and improper credit reporting that has caused significant and ongoing financial harm. \nBACKGROUND I am a person with a XXXX XXXX XXXX XXXXXXXX ( XXXX - XXXX XXXX ). In XX/XX/XXXX, I submitted a valid TPD discharge application for my federal student loans. My physician, XXXX XXXX XXXX, completed the XXXX XXXX XXXX both electronically and with a manual signature. The XXXX system recorded the XXXX XXXX XXXX as completed on XX/XX/XXXX. I have documentation confirming both submissions. \nISSUE 1 : IMPROPER DENIAL AND MISHANDLING OF TPD APPLICATION Despite valid physician certification, my TPD application was denied on the basis that there was 'no physician signature ' which is factually incorrect and contradicted by the TPD system 's own records showing the signature was completed XX/XX/XXXX. This appears to be an XXXX XXXX X CFPB Complaint XXXXXXXX XXXX was completed XX/XX/XXXX. This appears to be an administrative error by the servicer or the federal processing system. I was subsequently required to submit a reconsideration request and am now under an active reconsideration period with a deadline of XX/XX/XXXX. \nISSUE 2 : FAILURE TO PROTECT LOANS DURING TPD REVIEW IMPROPER CREDIT REPORTING Under federal law and Department of Education guidelines, when a XXXX  application is under active review, the borrower 's loans must be placed in administrative forbearance. During this period, no negative balance increases, adverse status changes, or harmful credit reporting should occur. \nAidvantage has violated this protection. Every month since my TPD application was submitted in XX/XX/XXXX, XXXX ( pulling Equifax XXXX ) has alerted me that the monthly balance reported on my DEPT OF ED/ADVANTAGE account has increased. This has happened repeatedly and consistently, constituting a pattern of improper credit reporting during a legally protected forbearance period. \nThis improper reporting has caused my XXXX XXXX to drop from approximately XXXX to approximately XXXX - a loss of roughly XXXX points. This credit damage has directly harmed my ability to secure business financing for my company ( XXXX ), purchase a disability-accessible home, and maintain my overall financial stability. \nThe only legitimate credit activity on my report during this period is from XXXX XXXX ( XX/XX/XXXX ) and Georgia XXXX ( XX/XX/XXXX ). All other adverse reporting on this federal student loan account is improper and has occurred during a period in which I should have been fully protected. \nISSUE 3 : ADVANTAGE HAD NO RECORD OF MY XXXX  APPLICATION When I contacted Advantage directly, representatives initially stated they had no record of my TPD application. \nThis failure to maintain or access accurate records of an active federal XXXX discharge application is a serious servicing failure. Advantage subsequently opened an internal claim and escalated my case to their Customer Advocate Unit, and my loans were placed in forbearance but not before significant harm had already occurred. \nISSUE 4 : VERBAL ACKNOWLEDGMENT OF ERRORS BY FEDERAL STUDENT AID Representatives from Federal Student Aid ( FAFSA ) verbally acknowledged that mistakes were made in the handling of my case. Despite this acknowledgment, no corrective action has been taken to reverse the credit damage caused by these errors. \nHARM CAUSED As a direct result of Advantage 's mishandling of my TPD application and improper credit reporting, I have suffered the following specific harms : 1. Credit score decline of approximately XXXX points ( from XXXX to XXXX ) causing ongoing financial harm XXXX. Inability to secure business financing for XXXX, my housing and internship ecosystem for underserved students XXXX. Inability to purchase a disability-accessible home suitable for my medical needs 4. Ongoing monthly credit damage that continues to worsen 5. Emotional distress and financial instability caused by a process that should have been straightforward RELIEF REQUESTED I respectfully request that the CFPB : 1. Investigate Advantage 's handling of my TPD discharge application and XXXX XXXX XXXX XXXX XXXX. Require Advantage to immediately correct all inaccurate credit reporting to all three credit bureaus ( Equifax, Experian, TransUnion ) for the period XX/XX/XXXX to present XXXX. Require Advantage to ensure my loans remain in proper administrative forbearance pending final TPD discharge determination 4. Require Advantage to provide a written account of all actions taken on my account since XX/XX/XXXX XXXX. Investigate whether XXXX 's practices constitute a pattern of violations affecting other XXXX  applicants SUPPORTING DOCUMENTATION AVAILABLE TPD system screenshot confirming XXXX XXXX XXXX completed XX/XX/XXXX XXXX reconsideration notice with XX/XX/XXXX deadline XXXX monthly alerts confirming repeated DEPT OF EDIAIDVANTAGE balance increases Advantage forbearance confirmation notice Aidvantage Customer Advocate Unit escalation notice XXXX XXXX documentation showing decline from XXXX to XXXX","date_sent_to_company":"2026-03-25T11:45:11.000Z","issue":"Struggling to repay your loan","sub_product":"Federal student loan servicing","zip_code":"30339","tags":null,"has_narrative":true,"complaint_id":"20537159","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Maximus Federal Services, Inc.","date_received":"2026-03-24T12:43:57.000Z","state":"GA","company_public_response":null,"sub_issue":"Problem with forgiveness, cancellation, or discharge"},"highlight":{"complaint_what_happened":["HOW TO FILE : Go to consumerfinance.gov/complaint Select '<em>Student</em> <em>loan</em> ' Select 'Federal <em>student</em> <em>loan</em> ' Company : Aidvantage Paste the narrative below CFPB FORM FIELDS FILL IN EXACTLY AS SHOWN Product : <em>Student</em> <em>loan</em> Sub-product : Federal <em>student</em> <em>loan</em> <em>servicing</em> Issue : <em>Dealing</em> with <em>your</em> <em>lender</em> or <em>servicer</em> Problem with customer <em>service</em> Company name : Advantage ( XXXX XXXX XXXX ) COMPLAINT NARRATIVE COPY AND PASTE THIS ENTIRE SECTION I am filing this complaint against Advantage ( XXXX XXXX XXXX XXXX"],"product":["<em>Student</em> <em>loan</em>"],"issue":["Struggling to repay <em>your</em> <em>loan</em>"],"company":["Maximus Federal <em>Services</em>, Inc."],"sub_product":["Federal <em>student</em> <em>loan</em> servicing"]},"sort":[16.383736,"20537159"]},{"_index":"complaint-public-v1","_id":"2674912","_score":16.185162,"_source":{"product":"Student loan","complaint_what_happened":"Public service loan forgiveness credit is being miscalculated and lender will not respond appropriately.  I am STILL dealing with their refusal to count credit for months spent in a jurisdiction that counts under the law.  \n\n\nI emailed about it and got three messages that were just a copy/paste of FAQs.  Finally I got a response with the following info:\n\n****\nOn Thu, XX/XX/XXXX at XXXX XXXX,  wrote:\n\nThank you for contacting FedLoan Servicing!\n\nPlease accept our apologies for any inconvenience or confusion that this situation may have caused you.  We wish to work with you to achieve successful repayment of your student loans.\n\nWe presently have your employment certified until XX/XX/XXXX. As of this date you have made 23/120 qualifying payments towards your Public Service Loan Forgiveness (PSLF). Payments made after this date may qualify for PSLF, however will not show on your tracker until the next time you recertify your employment.\n\nOur agency has Employment Certification Forms (ECF) approved for XXXX XXXX XXXX XXXX verifying employment from XX/XX/XXXX through XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX verifying employment from XX/XX/XXXX through XX/XX/XXXX. If you were employed with a qualifying employer between XX/XX/XXXX and XX/XX/XXXX, please submit an ECF to cover this time frame.\n\nClick the link below to download and complete an Employment Certification Form (ECF).\n\nXXXX XXXX XXXX\n\nYou can return your completed ECF using one of the following methods:\n\nFax: XXXX\n\nMail: FedLoan Servicing\n        XXXX XXXX XXXX XXXX, PA XXXX\n\nFile Upload:\n- Sign in or create an online account at MyFedLoan.org.\n- Select File Upload from in the top right-hand corner by your Account Profile and Paperless Inbox options\n- Choose the category that best matches your document type\n- Select the content of the upload\n- Find your document to be uploaded by choosing the Browse option\n- Select the Upload button\n- When complete, select Complete Your Upload\n\nAt any time you can select the File Upload History from the left-side navigation bar to view the documents you previously uploaded.\n\nWe recommend that you use the \"Contact Us\" links on our website, MyFedLoan.org, to submit inquiries via a secure email form.  Please use your email address on file when completing this form.  You may also call us toll-free at (XXXX) XXXX to reach our Customer Service Department, which is open Monday through Friday from XXXX XXXX until XXXX XXXX (ET).\n\nSincerely,\n\nXXXX\nFedLoan Servicing\n\n***\n\nI then responded about their incorrect math with this email:\nOn XX/XX/XXXX at XXXX XXXX,\n\nThank you for your message.  Do you now see the error of the counting?\n\n\"We presently have your employment certified until XX/XX/XXXX. As of this date you have made 23/120 qualifying payments towards your Public Service Loan Forgiveness (PSLF). Payments made after this date may qualify for PSLF, however will not show on your tracker until the next time you recertify your employment.\n\nOur agency has Employment Certification Forms (ECF) approved for XXXX XXXX XXXX XXXX verifying employment from XX/XX/XXXX through XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX verifying employment from XX/XX/XXXX through XX/XX/XXXX. If you were employed with a qualifying employer between XX/XX/XXXX and XX/XX/XXXX, please submit an ECF to cover this time frame.\"\n\nXXXX = 5 months\n\nXXXX XXXX = 24 months\n\n5 + 24 = 29 months\n\nYet you state above that there are only 23 months qualifying.\n\nAlso, I do have qualifying employment in the time between.  While we wait for the lawsuit regarding XXXX to settle, I have employment from XXXX which I submitted for credit and was told there was no way to credit it even though it clearly states in the law that it qualifies.  Please advise how I am to report that when the previously submitted ECFs were rejected because the State of XXXX does not have a US TIN.\n\n***\nThe only response that I have received is yet another copy/paste of FAQs, with no correction of the addition nor information about how to get credit for time in XXXX.","date_sent_to_company":"2017-09-15T14:38:04.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"70122","tags":null,"has_narrative":true,"complaint_id":"2674912","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AES/PHEAA","date_received":"2017-09-15T14:25:59.000Z","state":"LA","company_public_response":null,"sub_issue":"Problem with customer service"},"highlight":{"complaint_what_happened":["Public <em>service</em> <em>loan</em> forgiveness credit is being miscalculated and <em>lender</em> will not respond appropriately.  I am STILL <em>dealing</em> with their refusal to count credit for months spent in a jurisdiction that counts under the law.  \n\n\nI emailed about it and got three messages that were just a copy/paste of FAQs.  Finally I got a response with the following info:\n\n****\nOn Thu, XX/XX/XXXX at XXXX XXXX,  wrote:\n\nThank you for contacting Fed<em>Loan</em> <em>Servicing</em>!"],"product":["<em>Student</em> <em>loan</em>"],"issue":["<em>Dealing</em> with <em>your</em> <em>lender</em> or <em>servicer</em>"],"sub_product":["Federal <em>student</em> <em>loan</em> servicing"],"sub_issue":["Problem with customer <em>service</em>"]},"sort":[16.185162,"2674912"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":61,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":61}]}},"product":{"doc_count":61,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Student loan","doc_count":29,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Federal student loan servicing","doc_count":21},{"key":"Private student loan","doc_count":6},{"key":"Non-federal student 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