{ "cells": [ { "cell_type": "markdown", "metadata": {}, "source": [ "#### Importing libraries" ] }, { "cell_type": "code", "execution_count": 1, "metadata": {}, "outputs": [], "source": [ "import numpy as np\n", "import pandas as pd\n", "import matplotlib.pyplot as plt\n", "import seaborn as sns\n", "import plotly.express as px" ] }, { "cell_type": "code", "execution_count": 2, "metadata": {}, "outputs": [ { "name": "stderr", "output_type": "stream", "text": [ "/var/folders/hq/f_rzh7j51m1ddfp3xw6s1qsr0000gn/T/ipykernel_37275/999401346.py:1: DtypeWarning: Columns (16) have mixed types. Specify dtype option on import or set low_memory=False.\n", " df = pd.read_csv('../complaints.csv')\n" ] }, { "data": { "text/html": [ "
\n", " | Date received | \n", "Product | \n", "Sub-product | \n", "Issue | \n", "Sub-issue | \n", "Consumer complaint narrative | \n", "Company public response | \n", "Company | \n", "State | \n", "ZIP code | \n", "Tags | \n", "Consumer consent provided? | \n", "Submitted via | \n", "Date sent to company | \n", "Company response to consumer | \n", "Timely response? | \n", "Consumer disputed? | \n", "Complaint ID | \n", "
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
0 | \n", "2024-02-28 | \n", "Credit reporting or other personal consumer re... | \n", "Credit reporting | \n", "Problem with a company's investigation into an... | \n", "Their investigation did not fix an error on yo... | \n", "NaN | \n", "NaN | \n", "TRANSUNION INTERMEDIATE HOLDINGS, INC. | \n", "NV | \n", "89081 | \n", "NaN | \n", "NaN | \n", "Web | \n", "2024-02-28 | \n", "In progress | \n", "Yes | \n", "NaN | \n", "8436094 | \n", "
1 | \n", "2024-02-23 | \n", "Credit reporting or other personal consumer re... | \n", "Credit reporting | \n", "Improper use of your report | \n", "Credit inquiries on your report that you don't... | \n", "NaN | \n", "NaN | \n", "Experian Information Solutions Inc. | \n", "TX | \n", "76140 | \n", "NaN | \n", "Other | \n", "Web | \n", "2024-02-23 | \n", "In progress | \n", "Yes | \n", "NaN | \n", "8404915 | \n", "
2 | \n", "2024-02-22 | \n", "Credit reporting or other personal consumer re... | \n", "Credit reporting | \n", "Incorrect information on your report | \n", "Information belongs to someone else | \n", "NaN | \n", "NaN | \n", "EQUIFAX, INC. | \n", "FL | \n", "33173 | \n", "NaN | \n", "Other | \n", "Web | \n", "2024-02-22 | \n", "In progress | \n", "Yes | \n", "NaN | \n", "8391349 | \n", "
3 | \n", "2024-02-22 | \n", "Credit reporting or other personal consumer re... | \n", "Credit reporting | \n", "Incorrect information on your report | \n", "Information belongs to someone else | \n", "NaN | \n", "NaN | \n", "Resurgent Capital Services L.P. | \n", "NJ | \n", "08075 | \n", "Servicemember | \n", "NaN | \n", "Web | \n", "2024-02-22 | \n", "Closed with explanation | \n", "Yes | \n", "NaN | \n", "8391367 | \n", "
4 | \n", "2024-02-22 | \n", "Credit reporting or other personal consumer re... | \n", "Credit reporting | \n", "Improper use of your report | \n", "Reporting company used your report improperly | \n", "NaN | \n", "NaN | \n", "EQUIFAX, INC. | \n", "CA | \n", "91302 | \n", "NaN | \n", "NaN | \n", "Web | \n", "2024-02-22 | \n", "In progress | \n", "Yes | \n", "NaN | \n", "8391001 | \n", "
\n", " | Product | \n", "Sub-product | \n", "Issue | \n", "Sub-issue | \n", "Consumer complaint narrative | \n", "Company public response | \n", "Company | \n", "State | \n", "ZIP code | \n", "Date received | \n", "
---|---|---|---|---|---|---|---|---|---|---|
0 | \n", "Credit reporting or other personal consumer re... | \n", "Credit reporting | \n", "Problem with a company's investigation into an... | \n", "Their investigation did not fix an error on yo... | \n", "NaN | \n", "NaN | \n", "TRANSUNION INTERMEDIATE HOLDINGS, INC. | \n", "NV | \n", "89081 | \n", "2024-02-28 | \n", "
1 | \n", "Credit reporting or other personal consumer re... | \n", "Credit reporting | \n", "Improper use of your report | \n", "Credit inquiries on your report that you don't... | \n", "NaN | \n", "NaN | \n", "Experian Information Solutions Inc. | \n", "TX | \n", "76140 | \n", "2024-02-23 | \n", "
2 | \n", "Credit reporting or other personal consumer re... | \n", "Credit reporting | \n", "Incorrect information on your report | \n", "Information belongs to someone else | \n", "NaN | \n", "NaN | \n", "EQUIFAX, INC. | \n", "FL | \n", "33173 | \n", "2024-02-22 | \n", "
3 | \n", "Credit reporting or other personal consumer re... | \n", "Credit reporting | \n", "Incorrect information on your report | \n", "Information belongs to someone else | \n", "NaN | \n", "NaN | \n", "Resurgent Capital Services L.P. | \n", "NJ | \n", "08075 | \n", "2024-02-22 | \n", "
4 | \n", "Credit reporting or other personal consumer re... | \n", "Credit reporting | \n", "Improper use of your report | \n", "Reporting company used your report improperly | \n", "NaN | \n", "NaN | \n", "EQUIFAX, INC. | \n", "CA | \n", "91302 | \n", "2024-02-22 | \n", "
\n", " | Product | \n", "Sub-product | \n", "Issue | \n", "Sub-issue | \n", "Consumer complaint narrative | \n", "Company public response | \n", "Company | \n", "State | \n", "ZIP code | \n", "Date received | \n", "
---|---|---|---|---|---|---|---|---|---|---|
48 | \n", "Credit card | \n", "General-purpose credit card or charge card | \n", "Problem with a purchase shown on your statement | \n", "Credit card company isn't resolving a dispute ... | \n", "I paid {$1000.00} to have artwork restored, ma... | \n", "Company has responded to the consumer and the ... | \n", "CITIBANK, N.A. | \n", "LA | \n", "701XX | \n", "2024-02-17 | \n", "
83 | \n", "Credit reporting or other personal consumer re... | \n", "Credit reporting | \n", "Improper use of your report | \n", "Reporting company used your report improperly | \n", "Subject : Cease and Desist Letter Regarding Un... | \n", "Company has responded to the consumer and the ... | \n", "PENTAGON FEDERAL CREDIT UNION | \n", "NJ | \n", "07753 | \n", "2024-02-17 | \n", "
132 | \n", "Checking or savings account | \n", "Checking account | \n", "Opening an account | \n", "Didn't receive terms that were advertised | \n", "Hello, I opened a new account with Wells Fargo... | \n", "Company has responded to the consumer and the ... | \n", "WELLS FARGO & COMPANY | \n", "CA | \n", "92648 | \n", "2024-02-13 | \n", "
135 | \n", "Debt collection | \n", "I do not know | \n", "Attempts to collect debt not owed | \n", "Debt is not yours | \n", "This issue shows that I opened an account on X... | \n", "Company has responded to the consumer and the ... | \n", "FIRST NATIONAL BANK OF OMAHA | \n", "AZ | \n", "85014 | \n", "2024-02-12 | \n", "
142 | \n", "Checking or savings account | \n", "Checking account | \n", "Managing an account | \n", "Problem using a debit or ATM card | \n", "I filed a claim with Wells fargo, my purse was... | \n", "Company has responded to the consumer and the ... | \n", "WELLS FARGO & COMPANY | \n", "MN | \n", "553XX | \n", "2024-02-14 | \n", "
\n", " | Product | \n", "Sub-product | \n", "Issue | \n", "Sub-issue | \n", "Consumer complaint narrative | \n", "Company public response | \n", "Company | \n", "State | \n", "ZIP code | \n", "Date received | \n", "
---|---|---|---|---|---|---|---|---|---|---|
0 | \n", "Checking or savings account | \n", "Other banking product or service | \n", "Opening an account | \n", "Account opened without my consent or knowledge | \n", "Date : XXXX XXXXo : XXXX XXXX XXXX / XXXX XXXX... | \n", "Company has responded to the consumer and the ... | \n", "WELLS FARGO & COMPANY | \n", "NC | \n", "27513 | \n", "2023-12-29 | \n", "
1 | \n", "Credit reporting or other personal consumer re... | \n", "Credit reporting | \n", "Problem with a company's investigation into an... | \n", "Investigation took more than 30 days | \n", "I have previously disputed this item with you ... | \n", "Company has responded to the consumer and the ... | \n", "Experian Information Solutions Inc. | \n", "MN | \n", "55124 | \n", "2023-12-29 | \n", "
2 | \n", "Debt collection | \n", "Other debt | \n", "Attempts to collect debt not owed | \n", "Debt was result of identity theft | \n", "I kindly request that you update my credit rep... | \n", "Company has responded to the consumer and the ... | \n", "Experian Information Solutions Inc. | \n", "IL | \n", "60621 | \n", "2023-12-28 | \n", "
3 | \n", "Debt collection | \n", "Other debt | \n", "Attempts to collect debt not owed | \n", "Debt was result of identity theft | \n", "I implore you to conduct a comprehensive inves... | \n", "Company has responded to the consumer and the ... | \n", "Experian Information Solutions Inc. | \n", "NJ | \n", "08723 | \n", "2023-12-28 | \n", "
4 | \n", "Credit reporting or other personal consumer re... | \n", "Credit reporting | \n", "Incorrect information on your report | \n", "Information belongs to someone else | \n", "In accordance with the Fair Credit Reporting A... | \n", "Company has responded to the consumer and the ... | \n", "TRANSUNION INTERMEDIATE HOLDINGS, INC. | \n", "TX | \n", "77377 | \n", "2023-11-27 | \n", "
\n", " | Fine Level Category | \n", "
---|---|
Broad Category | \n", "\n", " |
Account Management Issues | \n", "Opening an account | \n", "
Account Management Issues | \n", "Managing an account | \n", "
Account Management Issues | \n", "Closing an account | \n", "
Account Management Issues | \n", "Closing your account | \n", "
Credit Reporting and Information Issues | \n", "Incorrect information on your report | \n", "
Credit Reporting and Information Issues | \n", "Improper use of your report | \n", "
Credit Reporting and Information Issues | \n", "Problem with a credit reporting company's inve... | \n", "
Credit Reporting and Information Issues | \n", "Unable to get your credit report or credit score | \n", "
Debt Collection and Reporting Problems | \n", "Attempts to collect debt not owed | \n", "
Debt Collection and Reporting Problems | \n", "Written notification about debt | \n", "
Debt Collection and Reporting Problems | \n", "Repossession | \n", "
Debt Collection and Reporting Problems | \n", "Took or threatened to take negative or legal a... | \n", "
Debt Collection and Reporting Problems | \n", "Threatened to contact someone or share informa... | \n", "
Debt Collection and Reporting Problems | \n", "False statements or representation | \n", "
Payment and Transaction Issues | \n", "Problem when making payments | \n", "
Payment and Transaction Issues | \n", "Trouble during payment process | \n", "
Payment and Transaction Issues | \n", "Problem with a lender or other company chargin... | \n", "
Payment and Transaction Issues | \n", "Problem with a purchase shown on your statement | \n", "
Payment and Transaction Issues | \n", "Problem with a purchase or transfer | \n", "
Payment and Transaction Issues | \n", "Problem caused by your funds being low | \n", "
Loan and Mortgage Related Issues | \n", "Applying for a mortgage or refinancing an exis... | \n", "
Loan and Mortgage Related Issues | \n", "Dealing with your lender or servicer | \n", "
Loan and Mortgage Related Issues | \n", "Struggling to repay your loan | \n", "
Loan and Mortgage Related Issues | \n", "Struggling to pay mortgage | \n", "
Loan and Mortgage Related Issues | \n", "Struggling to pay your loan | \n", "
Loan and Mortgage Related Issues | \n", "Problems at the end of the loan or lease | \n", "
Loan and Mortgage Related Issues | \n", "Managing the loan or lease | \n", "
Loan and Mortgage Related Issues | \n", "Closing on a mortgage | \n", "
Credit Card and Electronic Finance Issues | \n", "Getting a credit card | \n", "
Credit Card and Electronic Finance Issues | \n", "Trouble using your card | \n", "
Credit Card and Electronic Finance Issues | \n", "Trouble using the card | \n", "
Credit Card and Electronic Finance Issues | \n", "Problem getting a card or closing an account | \n", "
Credit Card and Electronic Finance Issues | \n", "Electronic communications | \n", "
Credit Card and Electronic Finance Issues | \n", "Communication tactics | \n", "
Service and Product Issues | \n", "Other features, terms, or problems | \n", "
Service and Product Issues | \n", "Credit monitoring or identity theft protection... | \n", "
Service and Product Issues | \n", "Identity theft protection or other monitoring ... | \n", "
Service and Product Issues | \n", "Problem with overdraft | \n", "
Service and Product Issues | \n", "Advertising and marketing, including promotion... | \n", "
Service and Product Issues | \n", "Advertising | \n", "
Loan, Lease, and Education Financial Issues | \n", "Getting a loan or lease | \n", "
Loan, Lease, and Education Financial Issues | \n", "Getting a loan | \n", "
Loan, Lease, and Education Financial Issues | \n", "Issue with income share agreement | \n", "
Loan, Lease, and Education Financial Issues | \n", "Issue where my lender is my school | \n", "
Company Investigation and Response Issues | \n", "Problem with a company's investigation into an... | \n", "
Company Investigation and Response Issues | \n", "Problem with a company's investigation into an... | \n", "
\n", " | Product | \n", "Sub-product | \n", "Issue | \n", "Sub-issue | \n", "Consumer complaint narrative | \n", "Company public response | \n", "Company | \n", "State | \n", "ZIP code | \n", "Date received | \n", "
---|---|---|---|---|---|---|---|---|---|---|
0 | \n", "Checking or savings account | \n", "Other banking product or service | \n", "Opening an account | \n", "Account opened without my consent or knowledge | \n", "Date : XXXX XXXXo : XXXX XXXX XXXX / XXXX XXXX... | \n", "Company has responded to the consumer and the ... | \n", "WELLS FARGO & COMPANY | \n", "NC | \n", "27513 | \n", "2023-12-29 | \n", "
1 | \n", "Credit Reporting | \n", "Credit reporting | \n", "Problem with a company's investigation into an... | \n", "Investigation took more than 30 days | \n", "I have previously disputed this item with you ... | \n", "Company has responded to the consumer and the ... | \n", "Experian Information Solutions Inc. | \n", "MN | \n", "55124 | \n", "2023-12-29 | \n", "
2 | \n", "Debt collection | \n", "Other debt | \n", "Attempts to collect debt not owed | \n", "Debt was result of identity theft | \n", "I kindly request that you update my credit rep... | \n", "Company has responded to the consumer and the ... | \n", "Experian Information Solutions Inc. | \n", "IL | \n", "60621 | \n", "2023-12-28 | \n", "
3 | \n", "Debt collection | \n", "Other debt | \n", "Attempts to collect debt not owed | \n", "Debt was result of identity theft | \n", "I implore you to conduct a comprehensive inves... | \n", "Company has responded to the consumer and the ... | \n", "Experian Information Solutions Inc. | \n", "NJ | \n", "08723 | \n", "2023-12-28 | \n", "
4 | \n", "Credit Reporting | \n", "Credit reporting | \n", "Incorrect information on your report | \n", "Information belongs to someone else | \n", "In accordance with the Fair Credit Reporting A... | \n", "Company has responded to the consumer and the ... | \n", "TRANSUNION INTERMEDIATE HOLDINGS, INC. | \n", "TX | \n", "77377 | \n", "2023-11-27 | \n", "