Consumer complaint received 2026-04-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Central Research Inc
State: CA

Complaint narrative:
Complaint to Consumer Financial Protection Bureau ( CFPB ) Subject : Repeated Failure to Provide Supporting Documentation and Substantive Response Federal Student Loan Servicing ( Central Research , Inc. ) I am submitting an additional follow-up complaint regarding Central Research , Inc. ( CRI ), as their most recent response continues to be incomplete, unsupported, and unresponsive to my requests. Summary of Ongoing Issue CRI has acknowledged that my repayment plan was incorrectly configured, resulting in a miscalculated monthly payment. They have since increased my payment from {$140.00} to {$380.00}. However, despite multiple requests, CRI has failed to provide sufficient documentation or explanation to verify that : * The recalculation was performed correctly * I was not financially harmed during the period of misconfiguration -- - Deficiencies in CRIs Most Recent Response In their latest response, CRI : * Repeated prior statements without providing new supporting documentation * Asserted that no additional or excessive interest accrued * Provided general statements about how interest accrues, which do not address my specific situation Critically, CRI did not provide : * Pre- and post-correction amortization schedules * Any calculation demonstrating that my lower prior payment did not result in additional interest accrual * A step-by-step explanation of how my new payment amount was determined -- - Core Issue Being Ignored My concern is not whether interest generally accrues on student loans. My concern is : > Whether the incorrectly low required payments during the period of servicing error caused additional interest to accrue compared to what should have accrued under a correctly configured repayment plan CRI has not addressed this question. -- - Pattern of Non-Response This is now a pattern across multiple interactions : * CRI acknowledges an error * CRI makes conclusions about lack of financial impact * CRI refuses to provide documentation supporting those conclusions * CRI declines to engage substantively in writing and instead directs me to call This prevents transparency and makes it impossible for me to verify the accuracy of their claims. -- - Requested Resolution I am requesting that CRI be required to provide : 1. Pre- and post-correction amortization schedules clearly showing : * What my balance and interest accrual would have been under a correctly configured plan * What actually occurred during the period of misconfiguration 2. A quantitative analysis demonstrating whether any additional interest accrued due to lower required payments 3. A step-by-step calculation of my current monthly payment of {$380.00} 4. Written confirmation that my account has been fully corrected to reflect the position I would have been in absent the servicing error 5. All responses provided in writing, without requiring phone communication -- - Final Note CRI has acknowledged a servicing error but has repeatedly failed to provide sufficient documentation to verify that the correction was accurate or that I was not financially harmed. At this point, this is no longer a matter of clarificationit is a matter of lack of transparency and failure to substantively respond to a documented servicing issue. I am requesting regulatory intervention to obtain a complete and verifiable response.

Company response to consumer: Closed with explanation