Of an estimated 131,000 grievances fielded by the Consumer Financial Protection Bureau since its July 2011 launch, almost half involved mortgages. The majority of those 63,700 complaints, about 61 percent, were generated by consumers experiencing difficulty in meeting their payments. Many disputes erupted because of the slow pace of loan modifications, for instance, with the validity of income-verification paperwork expiring after 60 days but the workout process taking much longer. As a result, borrowers were forced to re-submit documents, often several times over. Another big source of complaints had to do with making payments themselves, as consumers encountered problems with loan servicing, payments, and escrow accounts -- which accounted for 22 percent of the cases. On the other hand, just 7 percent of mortgage gripes stemmed from the application process. The CFPB's public database of complaints also revealed that nearly 90 percent of mortgage-related grievances were referred to the appropriate lenders for review and response, about 3 percent of which yielded compensation for consumers.