A text mining approach is proposed based on latent Dirichlet allocation (LDA) to analyze the Consumer Financial Protection Bureau (CFPB) consumer complaints. The proposed approach aims to extract latent topics in the CFPB complaint narratives, and explores their associated trends over time. The time trends will then be…
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4 results for “CFPB”
Detects systematic anomalies in consumer complaints using NLP.
problem Detecting small, frequent anomalies in consumer complaints.
method NLP conversion of narratives, followed by anomaly detection algorithm.
result Demonstrates effectiveness of NLP for detecting systematic anomalies.
Less Discriminatory Alternative and Interpretable XGBoost Framework for Binary Classificationstat.ML
LDA-XGB1 balances fairness and accuracy in lending models.
problem Fair lending practices and model interpretability in binary classification.
method Biobjective optimization using binning and information value, leveraging XGBoost.
result Achieves effective balance between accuracy, fairness, and interpretability.
This paper studies the payoff amounts in simple interest loans without arbitrage.
problem Understanding the payoff amounts in simple interest loans without arbitrage.
method Developed a formula for the payoff amount for simple interest loans, studied within a model of a loan market.
result The sequence of payoff amounts is increasing before a certain critical time and then decreasing.