Related papers: CFPB Consumer Complaints Analysis Using Hadoop
This paper proposes a method for estimating consumer preferences among discrete choices, where the consumer chooses at most one product in a category, but selects from multiple categories in parallel. The consumer's utility is additive in…
Conflicts of interest often arise between data sources and their users regarding how the users' information needs should be interpreted by the data source. For example, an online product search might be biased towards presenting certain…
In response to growing concerns about user privacy, legislators have introduced new regulations and laws such as the General Data Protection Regulation (GDPR) and the California Consumer Privacy Act (CCPA) that force websites to obtain user…
Cities across the United States are implementing information communication technologies in an effort to improve government services. One such innovation in e-government is the creation of 311 systems, offering a centralized platform where…
With the increase of credit card usage, the volume of credit card misuse also has significantly increased. As a result, financial organizations are working hard on developing and deploying credit card fraud detection methods, in order to…
Understanding the needs of a variety of distinct user groups is vital in designing effective, desirable dialogue systems that will be adopted by the largest possible segment of the population. Despite the increasing popularity of dialogue…
With the growing importance of detecting misinformation, many studies have focused on verifying factual claims by retrieving evidence. However, canonical fact verification tasks do not apply to catching subtle differences in factually…
Data collection purposes and their descriptions are presented on almost all privacy notices under the GDPR, yet there is a lack of research focusing on how effective they are at informing users about data practices. We fill this gap by…
Recommender Systems (RSs) are exploited by various business enterprises to suggest their products (items) to consumers (users). Collaborative filtering (CF) is a widely used variant of RSs which learns hidden patterns from user-item…
Collecting and analyzing massive data generated from smart devices have become increasingly pervasive in crowdsensing, which are the building blocks for data-driven decision-making. However, extensive statistics and analysis of such data…
This study utilizes an ensemble of feedforward neural network models to analyze large-volume and high-dimensional consumer touchpoints and their impact on purchase decisions. When applied to a proprietary dataset of consumer touchpoints and…
The widespread sharing of consumers personal information with third parties raises significant privacy concerns. The California Consumer Privacy Act (CCPA) mandates that online businesses offer consumers the option to opt out of the sale…
Computer manufacturers typically offer platforms for users to report faults. However, there remains a significant gap in these platforms' ability to effectively utilize textual reports, which impedes users from describing their issues in…
Accurately analyzing and modeling online browsing behavior play a key role in understanding users and technology interactions. In this work, we design and conduct a user study to collect browsing data from 31 participants continuously for…
Data protection regulations, such as GDPR and CCPA, require websites and embedded third-parties, especially advertisers, to seek user consent before they can collect and process user data. Only when the users opt in, can these entities…
People are concerned about privacy, particularly on the Internet. While many studies have provided evidence of this concern, few have explored the nature of the concern in detail, especially for the online environment. With this study, we…
The United Nations Consumer Protection Guidelines lists "access ... to adequate information ... to make informed choices" as a core consumer protection right. However, problematic online reviews and imperfections in algorithms that detect…
Digital financial services can introduce new digital-safety risks for users, particularly survivors of intimate partner financial abuse (IPFA). To offer improved support for such users, a comprehensive understanding of their support needs…
Fintech companies have been facing challenges from fraudulent behavior for a long time. Fraud rate in Chinese P2P financial market could go as high as 10%. It is crucial to collect sufficient information of the user as input to the…
Current consumer-protection debates focus on the powerful new data-analysis techniques that have disrupted the balance of power between companies and their customers. Online tracking enables sellers to amass troves of historical data, apply…