Who is complaining aboutIssue with income share agreement?
When looking at complaint volume about a company or product, consider company size and/or market share. For example, companies with more customers may have more complaints than companies with fewer customers.
The CFPB does not verify every allegation in a complaint before publishing it.Consumer Financial Protection Bureau, Consumer Complaint Database. A complaint is a consumer's account of a problem; it is not a finding against the company.
Consumers chose the issue “Issue with income share agreement” on 85 complaints in the 12 months to 1 Oct 2026, about level with the 82 of the 12 months before. That is 0% of all complaints received.
100% of them were filed under the product “Student loan”, where the issue makes up 0.4% of that product's complaints.
Company responses on this issue: 92.9% closed with an explanation, 2.4% closed with non-monetary relief, 1.2% closed with monetary relief. 91.8% were timely.
Which products
| Product (CFPB label) | Complaints | Share |
|---|---|---|
| Student loan | 85 | 100% |
Sub-issues
| Sub-issue (CFPB label) | Complaints | Share |
|---|---|---|
| Dealing with provider of income share agreement | 37 | 43.5% |
| Payment issues | 19 | 22.4% |
| Marketing or disclosure issues | 16 | 18.8% |
| Billing or statement issues | 13 | 15.3% |
Which companies, with their size
Ordered by the number of complaints carrying this issue in the last 12 months.
| Company (as named by the CFPB) | Complaints, 12 months | Share | Company size | Per $1bn assets |
|---|---|---|---|---|
| Climb Credit Inc. | 12 | 14.1% | no public measure | — |
| Goal Structured Solutions, LLC | 10 | 11.8% | no public measure | — |
| MOHELA | 9 | 10.6% | no public measure | — |
| AES/PHEAA | 9 | 10.6% | no public measure | — |
| Unisa, Inc | 6 | 7.1% | no public measure | — |
| SLM CORPORATION | 6 | 7.1% | no public measure | — |
| Nelnet, Inc. | 5 | 5.9% | no public measure | — |
| SOFI TECHNOLOGIES, INC. | 5 | 5.9% | $57bn assets | 0.09 |
| Ascent Holding Co | 4 | 4.7% | no public measure | — |
| Navient Solutions, LLC. | 2 | 2.4% | no public measure | — |
| College Ave Student Loan Servicing, LLC | 2 | 2.4% | no public measure | — |
| Lockhart, Morris & Montgomery Inc. | 2 | 2.4% | no public measure | — |
| Maximus Federal Services, Inc. | 1 | 1.2% | no public measure | — |
| EdFinancial Services | 1 | 1.2% | no public measure | — |
| HEARTLAND PAYMENT SYSTEMS INC | 1 | 1.2% | no public measure | — |
| BANK OF AMERICA, NATIONAL ASSOCIATION | 1 | 1.2% | $2.65tn assets | 0.00 |
| All other companies, including those not listed by name | 9 | 10.6% | — | — |
CFPB: “When looking at complaint volume about a company or product, consider company size and/or market share. For example, companies with more customers may have more complaints than companies with fewer customers.” The CFPB does not verify every allegation in a complaint before publishing it. 2 of the 16 companies in this table have a public size measure. “No public measure” means the company could not be matched by name to a single institution in the FDIC, NCUA or HMDA files, not that it is small.
How companies responded
- Closed with explanation79 · 92.9%
- Untimely response3 · 3.5%
- Closed with non-monetary relief2 · 2.4%
- Closed with monetary relief1 · 1.2%
| Measure | This issue | All issues |
|---|---|---|
| Closed with monetary or non-monetary relief | 3.5% | 31.5% |
| Closed with monetary relief | 1.2% | 0.5% |
| Responses marked timely | 91.8% | 99.6% |
Trend
Questions and answers
What does the CFPB issue “Issue with income share agreement” mean?
It is one of the options a consumer selects on the CFPB complaint form to describe the problem. The label is the consumer's choice and is not checked by the Bureau. Sub-issues recorded under it include “Dealing with provider of income share agreement”, “Payment issues”, “Marketing or disclosure issues”.
How many complaints carry this issue?
85 in the 12 months to 1 Oct 2026 and 218 since 2023.
Which products does it apply to?
“Student loan” (100%).
Does the CFPB verify complaints?
The CFPB does not verify every allegation in a complaint before publishing it. Counts on this page show what consumers reported, not what was found.
Provenance
Source: Consumer Financial Protection Bureau, Consumer Complaint Database, bulk file downloaded 1 Oct 2026, complaints received through 1 Oct 2026. Only coded fields are used (company, product, sub-product, issue, state, dates, company response, timeliness); complaint narratives are never read, stored or shown. Complaints are published once the company responds or after 15 days, so the most recent two to three weeks are incomplete. Size measures: FDIC BankFind (report date 30 Jun 2026), NCUA call reports (30 Jun 2026), HMDA transmittal sheet (2025), Census Bureau population estimates (2025). All are US government works. Search the CFPB database · Methodology · Report an error.