相关论文: CFPB Consumer Complaints Analysis Using Hadoop

In many service markets, expert providers possess an information advantage over consumers regarding the necessary services, creating opportunities for fraudulent practices. These may involve overtreatment through unnecessary services or…

Standardized datasets and benchmarks have spurred innovations in computer vision, natural language processing, multi-modal and tabular settings. We note that, as compared to other well researched fields, fraud detection has unique…

Collaborative Filtering (CF) is one of the most commonly used recommendation methods. CF consists in predicting whether, or how much, a user will like (or dislike) an item by leveraging the knowledge of the user's preferences as well as…

Many online services, such as search engines, social media platforms, and digital marketplaces, are advertised as being available to any user, regardless of their age, gender, or other demographic factors. However, there are growing…

We show that lenders face more uncertainty when assessing default risk of historically under-served groups in US credit markets and that this information disparity is a quantitatively important driver of inefficient and unequal credit…

Consumer spending accounts for a large fraction of the US economic activity. Increasingly, consumer activity is moving to the web, where digital traces of shopping and purchases provide valuable data about consumer behavior. We analyze…

This article summarizes the field of consumer protection law, from its historical roots to the contemporary challenges of the digital age. It outlines the legal doctrines governing consumer deception and unfair trade practices, highlighting…

Credit card fraud has emerged as major problem in the electronic payment sector. In this survey, we study data-driven credit card fraud detection particularities and several machine learning methods to address each of its intricate…

Call Detail Record (CDR) datasets provide enough information about personal interactions to support building and analyzing detailed empirical social networks. We take one such dataset and describe the various ways of using it to create a…

In the artificial intelligence (AI) age, firms increasingly invest in AI technology innovation to secure competitive advantages. However, the relationship between firms' AI technology innovation and consumer complaints remains…

Different countries have different privacy regulatory models. These models impact the perspectives and laws surrounding internet privacy. However, little is known about how effective the regulatory models are when it comes to limiting…

In the current landscape of ever-increasing levels of digitalization, we are facing major challenges pertaining to scalability. Recommender systems have become irreplaceable both for helping users navigate the increasing amounts of data…

Cloud services today are increasingly built using functionality from other running services. In this paper, we question whether legacy Quality of Services (QoS) metrics and enforcement techniques are sufficient as they are producer centric.…

Commercial organisations are holding and processing an ever-increasing amount of personal data. Policies and laws are continually changing to require these companies to be more transparent regarding the collection, storage, processing and…

Web privacy is experienced via two public artifacts: site utterances in policy texts, and the actions users are required to take during consent interfaces. In the extensive cross-section audits we've studied, there is a lack of longitudinal…

I study how to regulate firms' access to consumer data when a regulator faces non-Bayesian uncertainty about how firms will exploit the consumer's information to segment the market and set prices. I fully characterize all worst-case optimal…

Advances in data analytics bring with them civil rights implications. Data-driven and algorithmic decision making increasingly determine how businesses target advertisements to consumers, how police departments monitor individuals or…

In modern markets, many companies offer so-called 'free' services and monetize consumer data they collect through those services. This paper argues that consumer law and data protection law can usefully complement each other. Data…

We consider a strategic decision-making problem where a logistics provider (LP) seeks to locate collection and delivery points (CDPs) with the objective to reduce total logistics costs. The customers maximize utility that depends on their…

Open data has been around for many years but with the advancement of technology and its steady adoption by businesses and governments it promises to create new opportunities for the advancement of society as a whole. Many popular open data…