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Frequency Distribution of Complaint Issues used to File CFPB Consumer Complaints (w/Serious, Possible-Criminal Issues High-lighted in Red.) Complaint Issue                |                           Product Bank account or service Consumer Loan Credit card Credit reporting Debt collection Money transfers Mortgage Other financial service Payday loan Prepaid card Student loan Virtual currency Total Account opening, closing, or management 36872                       36872 Account terms and changes   481                     481 Adding money                   198     198 Advertising and marketing     2863         29         2892 Advertising, marketing or disclosures                   75     75 Application processing delay     516                   516 Application, originator, mortgage broker             16856           16856 Applied for loan/did not receive money   36             305       341 APR or interest rate     5423                   5423 Arbitration     337                   337 Balance transfer     1086                   1086 Balance transfer fee     216                   216 Bankruptcy     436                   436 Billing disputes     14614                   14614 Billing statement     2561                   2561 Can't contact lender   85             974       1059 Can't repay my loan                     8111   8111 Can't stop charges to bank account   12             486       498 Cash advance     241                   241 Cash advance fee     192                   192 Charged bank acct wrong day or amt   10             277       287 Charged fees or interest I didn't expect   281             2375       2656 Closing/Cancelling account     6201                   6201 Collection debt dispute     901                   901 Collection practices     1001                   1001 Communication tactics         23193               23193 Cont'd attempts collect debt not owed         58209               58209 Convenience checks     144                   144 Credit card protection / Debt protection     2663                   2663 Credit decision / Underwriting             5554           5554 Credit determination     2977                   2977 Credit line increase/decrease     2131                   2131 Credit monitoring or identity protection       4282                 4282 Credit reporting     1696                   1696 Credit reporting company's investigation       15901                 15901 Customer service / Customer relations     3418                   3418 Customer service/Customer relations               266         266 Dealing with my lender or servicer                     15934   15934 Delinquent account     3106                   3106 Deposits and withdrawals 22223                       22223 Disclosure verification of debt         29082               29082 Disclosures               45         45 Excessive fees               97         97 False statements or representation         11122               11122 Fees                   225     225 Forbearance / Workout plans     544                   544 Fraud or scam           1829   340   702   5 2876 Getting a loan                     648   648 Identity theft / Fraud / Embezzlement     8204                   8204 Improper contact or sharing of info         9727               9727 Improper use of my credit report       5315                 5315 Incorrect exchange rate               22         22 Incorrect information on credit report       98165                 98165 Incorrect/missing disclosures or info           195             195 Late fee     3536                   3536 Lender damaged or destroyed property   2                     2 Lender damaged or destroyed vehicle   6                     6 Lender repossessed or sold the vehicle   76                     76 Lender sold the property   7                     7 Loan modification,collection,foreclosure             111024           111024 Loan servicing, payments, escrow account             75604           75604 Lost or stolen check               39         39 Lost or stolen money order               43         43 Making/receiving payments, sending money 7165                       7165 Managing the line of credit   785                     785 Managing the loan or lease   14615                     14615 Managing, opening, or closing account                   1145     1145 Money was not available when promised           959           1 960 Other     8980       5316     1     14297 Other fee     2123                   2123 Other service issues           488           8 496 Other transaction issues           1443           3 1446 Overdraft, savings or rewards features                   52     52 Overlimit fee     212                   212 Payment to acct not credited   76             363       439 Payoff process     2253                   2253 Privacy     482                   482 Problems caused by my funds being low 11578                       11578 Problems when you are unable to pay   7377                 1697   9074 Received a loan I didn't apply for   22             570       592 Repaying your loan                     3820   3820 Rewards     2833                   2833 Sale of account     334                   334 Settlement process and costs             8781           8781 Shopping for a line of credit   298                     298 Shopping for a loan or lease   1955                     1955 Taking out the loan or lease   4175                     4175 Taking/threatening an illegal action         8595               8595 Transaction issue     2622                   2622 Unable to get credit report/credit score       10612                 10612 Unauthorized transactions/trans. issues                   1249     1249 Unexpected/Other fees               97         97 Unsolicited issuance of credit card     1784                   1784 Using a debit or ATM card 5946                       5946 Wrong amount charged or received           260             260 Grand Total 83784 30299 86630 134275 139928 5174 223135 978 5350 3647 30210 17 743427 Percent of Issues by Product 11.27% 4.08% 11.65% 18.06% 18.82% 0.70% 30.01% 0.13% 0.72% 0.49% 4.06% 0.00% 100.00% Source: CFPB Consumer Complaint Database at:http://www.consumerfinance.gov/data-research/consumer-complaint

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