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Blog Post | Consumer Protection

How the CFPB’s Data Keeps Getting Better and Better | Mike Litt

As the CFPB turns 4 years old on July 21, here is some information on how it works for you and how we at PIRG use its data to produce reports, such as our new report on mortgage complaints to the CFPB. We've also got some photos from the Americans for Financial Reform "CFPB at 4" event.

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News Release | US PIRG Education Fund | Consumer Protection

New Report: Mortgage Problems Rank #1 at CFPB for Consumer Complaints

Mortgage problems were the top source of complaints to the Consumer Financial Protection Bureau (CFPB), according to a report released today by the U.S. PIRG Education Fund. The report also found that Bank of America was the most complained about company in 45 states and Washington, D.C. for mortgage problems.It's the sixth in a series of our reports analyzing nearly 500,000 complaints posted to the CFPB's Public Consumer Complaint Database.

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Report | US PIRG Education Fund | Consumer Protection

Mortgages and Mortgage Complaints

Our sixth report analyzing complaints in the CFPB's Public Consumer Complaint Database evaluates mortgage complaints, the number one source of complaints to the CFPB, totaling 38% of nearly 500,000 complaints posted since 2011.

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News Release | U.S. PIRG | Consumer Protection

We Commend CFPB For Adding Consumer Stories To Public Complaint Database

Yesterday, the CFPB published the first batch (7,700) of consumer narratives or stories to the Public Consumer Complaint Database it began in 2011. We've used the database to publish five reports (so far) analyzing complaint trends in markets ranging from credit cards to student loans but we have also long urged the voluntary addition of stories to the data fields. Now, consumers can learn if what happened to them happened to anyone else. Now, researchers can track which banks are more responsive to particular problems and which ignore their customers. A good resource is now an excellent resource.

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Blog Post | Consumer Protection

Event 5/11 re new book on black box decisionmaking & consumers | Ed Mierzwinski

UPDATED TO CONFIRM CFPB Speaker. We are hosting an event Monday, 5/11, from 9am-noon ET to discuss a new book, The Black Box Society, with author Frank Pasquale. Click Keep Reading to RSVP to attend in person or to watch the livestream. While credit bureaus have long functioned as black box gatekeepers to opportunity, panelists will discuss the growing use of more and more, even less transparent black boxes to categorize consumers in the digital economy.

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News Release | NCPIRG Education Fund | Budget

New Report Outlines Problems with Red-Light and Speed Cameras

A new research report released today outlines problems with the growing trend among cities to outsource traffic enforcement to red-light and speed camera vendors.

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News Release | NCPIRG Education Fund | Health Care

Nationwide Survey of New Health Exchanges Shows How to Lower Costs for Consumers

Many states are creating health exchanges to deliver better value for consumers, and other states should follow their lead, according to Making the Grade, a new report by consumer group NCPIRG.  Health exchanges are competitive marketplaces that can empower individuals and small businesses with better, more affordable options for coverage.  Under the federal health reform law, each state will have an exchange up and running in 2014. The report closely examines the exchanges that have so far been set up by states and rates them according to how accountable they will be to consumers and the public, how much they can do to lower premiums and improve the quality of care, how friendly they will be to consumers, and how stable they will be.

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News Release | NCPIRG Education Fund | Transportation

New Study: High-Speed Rail Can Boost Economy, Reduce Traffic

Drawing lessons from other countries, a new study from U.S. PIRG shows that high-speed rail can boost our economy, save energy, curb pollution and provide a popular alternative to congested roads and airports.

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News Release | NCPIRG Education Fund | Transportation

New Report: Misplaced highway spending to blame for crumbling roads and bridges

A new report released today strongly criticized politicians and policies that favor building new roadways while neglecting existing bridges and roads. The report notes that, for North Carolina car owners, rough roads increase their repair and operating expenses by an average of $251 per year. North Carolina has not prioritized preservation of its existing roadways and the state legislature and Department of Transportation have continued to plan for a spate of outer ring roads throughout the state which would further deplete funds for repair and maintenance. Despite the recent construction of much of North Carolina’s highways, 42 percent of roads are in less than good condition and 2,442 of the state’s bridges are deemed structurally deficient by government inspectors. Fourteen percent of North Carolina’s bridges are structurally deficient, compared to 12 percent nationally.

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News Release | NCPIRG | Transportation

Traffic Congestion Badly Hurts Triangle Area

According to data released today, North Carolinians in the Triangle area wasted 19.5 million hours of additional time stuck on the roads, and 12 million gallons of additional gas as a result of traffic congestion in 2007. The wasted time and fuel cost the public an equivalent of $421 million, according to the Urban Mobility Report produced by the Texas Transportation Institute.  The delays experienced in Charlotte were even greater, with the wasted time and fuel costing the public the equivalent of $525 million.

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Report | NCPIRG Education Fund | Consumer Protection

Big Credit Bureaus, Big Mistakes

A new report by NCPIRG Education Fund found that the most complained-about credit reporting agency in North Carolina is Equifax, and that North Carolina ranks 26th nationally in credit report complaints per 100,000 residents.

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Report | NCPIRG Education Fund | Budget, Safe Energy, Tax, Transportation

Moving Off the Road

After sixty years of almost constant increases in the annual number of miles Americans drive, since 2004 Americans have decreased their driving per-capita for eight years in a row. Driving miles per person are down especially sharply among Millennials, America’s largest generation that will increasingly dominate national transportation trends. 

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Report | NCPIRG Education Fund | Transportation

A New Direction

The time has come for America to hit the “reset” button on transportation policy—replacing the policy infrastructure of the Driving Boom years with a more efficient, flexible and nimble system that is better able to meet the transportation needs of the 21st century.

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Report | NCPIRG Education Fund | Tax

Following the Money 2013

Every year, state governments spend tens of billions of dollars through contracts with private entities for goods and services, subsidies to encourage economic development, grants, and other forms of spending. Accountability and public scrutiny are necessary to ensure that state funds are well spent.

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Report | NCPIRG Education Fund | Budget

TRANSPARENCY IN CITY SPENDING

The ability to see how government uses the public purse is fundamental to democracy. Transparency in government spending checks corruption, bolsters public confidence, improves responsiveness, and promotes greater effectiveness and fiscal responsibility.

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