The Consumer Financial Protection Bureau established a hotline for consumer complaints in 2012. In 2013 they received 163,700 consumer complaints and mortgages made up 37 percent of those complaints. Loan modifications, collections, and foreclosures made up most of those mortgage complaints. When a consumer files a complaint, the CFPB tries to assist by helping borrowers. THEY ARE NOT THERE for the lender! Their mission is for the consumer. The CFPB is just starting being an advocate for the consumer. They will be advertising and promoting awareness of being available for complaints, whether about an appraisal, closing issues, or misunderstandings.