annotations_creators

language_creators

languages

licenses

multilinguality

pretty_name

size_categories

source_datasets

task_categories

task_ids

crowdsourced

en-US

upl-1.0

monolingual

consumer-finance-complaints

unknown

original

text-classification

topic-classification

Dataset Card for Consumer Finance Complaints

Table of Contents
Dataset Description
Dataset Structure
Dataset Creation
Considerations for Using the Data
Additional Information

Dataset Description

Homepage:
Repository:
Paper:
Leaderboard:
Point of Contact:

Dataset Summary

Field	name	Description	Data Type
Date received	The date the CFPB received the complaint	date & time
Product	The type of product the consumer identified in the complaint	plain text	This field is a categorical variable.
Sub-product	The type of sub-product the consumer identified in the complaint	plain text	This field is a categorical variable. Not all Products have Sub-products.
Issue	The issue the consumer identified in the complaint	plain text	This field is a categorical variable. Possible values are dependent on Product.
Sub-issue	The sub-issue the consumer identified in the complaint	plain text	This field is a categorical variable. Possible values are dependent on product and issue. Not all Issues have corresponding Sub-issues.
Consumer complaint narrative	Consumer complaint narrative is the consumer-submitted description of "what happened" from the complaint. Consumers must opt-in to share their narrative. We will not publish the narrative unless the consumer consents, and consumers can opt-out at any time. The CFPB takes reasonable steps to scrub personal information from each complaint that could be used to identify the consumer.	plain text	Consumers' descriptions of what happened are included if consumers consent to publishing the description and after we take steps to remove personal information.
Company public response	The company's optional, public-facing response to a consumer's complaint. Companies can choose to select a response from a pre-set list of options that will be posted on the public database. For example, "Company believes complaint is the result of an isolated error."	plain text	Companies' public-facing responses to complaints are included if companies choose to publish one. Companies may select a public response from a set list of options as soon as they respond to the complaint, but no later than 180 days after the complaint was sent to the company for response.
Company	The complaint is about this company	plain text	This field is a categorical variable.
State	The state of the mailing address provided by the consumer	plain text	This field is a categorical variable.
ZIP code	The mailing ZIP code provided by the consumer	plain text	Mailing ZIP code provided by the consumer. This field may: i) include the first five digits of a ZIP code; ii) include the first three digits of a ZIP code (if the consumer consented to publication of their complaint narrative); or iii) be blank (if ZIP codes have been submitted with non-numeric values, if there are less than 20,000 people in a given ZIP code, or if the complaint has an address outside of the United States). For example, complaints where the submitter reports the age of the consumer as 62 years or older are tagged, ‘Older American.’ Complaints submitted by or on behalf of a servicemember or the spouse or dependent of a servicemember are tagged, ‘Servicemember.’ Servicemember includes anyone who is active duty, National Guard, or Reservist, as well as anyone who previously served and is a Veteran or retiree.
Tags	Data that supports easier searching and sorting of complaints submitted by or on behalf of consumers.	plain text
Consumer consent provided?	Identifies whether the consumer opted in to publish their complaint narrative. We do not publish the narrative unless the consumer consents and consumers can opt-out at any time.	plain text	This field shows whether a consumer provided consent to publish their complaint narrative
Submitted via	How the complaint was submitted to the CFPB	plain text	This field is a categorical variable.
Date sent to company	The date the CFPB sent the complaint to the company	date & time
Company response to consumer	This is how the company responded. For example, "Closed with explanation."	plain text	This field is a categorical variable.
Timely response?	Whether the company gave a timely response	plain text	yes/no
Consumer disputed?	Whether the consumer disputed the company’s response	plain text	YES/ NO/ N/A: The Bureau discontinued the consumer dispute option on April 24, 2017.
Complaint ID	The unique identification number for a complaint	number

Supported Tasks and Leaderboards

Text Classification Tasks

Task	Label Name	Description	SOTA
Text Classification	Product	Predict the related product of a complaint	N/A

Task	Label Name	Description	SOTA
Text Classification	Sub-Product	Predict the related sub product of a complaint	N/A

Task	Label Name	Description	SOTA
Text Classification	Tags	Predict whether a complaint has been made by someone elderly or a service person	N/A

Languages

English

Dataset Structure

Data Instances

This dataset is a point in time extract of the database, the database increases in size every day

Data Fields

[More Information Needed]

Data Splits

This dataset only contains a TRAIN set - this can be further split into TRAIN, TEST and VALIDATE subsets with the datasets library

Dataset Creation

Curation Rationale

Open sourcing customer complaints

Source Data

https://cfpb.github.io/api/ccdb/

Initial Data Collection and Normalization

This database is maintained by the Consumer Financial Protection Bureau

Who are the source language producers?

Englisgh

Annotations

Annotation process

User submitted to the CFPB

Who are the annotators?

N/A

Personal and Sensitive Information

All PII data has been anonymised

Considerations for Using the Data

Social Impact of Dataset

N/A

Discussion of Biases

N/A

Other Known Limitations

N/A

Additional Information

Dataset Curators