On January 28, the Consumer Financial Protection Bureau released its monthly consumer complaint report, highlighting consumer complaints about financial services such as debt settlement, check cashing, money orders, and credit repair.  The CFPB began accepting complaints as soon as it opened its doors in July 2011.   As of January 1, 2016, the CFPB had handled 790,000 complaints.  Debt collection, mortgage, and credit reporting complaints continue to be the top three most complained about consumer financial products and services, collectively representing about 68 percent of complaints submitted in December 2015.  The CFPB reports that 4,074 complaints about mortgages were received per month between October and December 2015.  Though being the second most complained about financial product in December 2015, mortgages remained the most complained about financial product as of January 1, 2016, with 209,618 total complaints, with debt collection coming in a close second at 205,082.  The volume of complaints related to mortgages continues to remain relatively stable despite the fact that foreclosure and delinquency rates continue their downward trend.