A wild and wooly, freewheeling industry run amok?  " Isolated, anecdotal, exagerated occurences?"  "Picky consumers who cannot be pleased?"  These are the excuses constantly heard and I think a thorough, independent examination may cast some light on their validity.
From HADD.com, Headline News: 
State can't keep up with mortgage fraud
Homebuyers' complaints often languish with Commerce Department
Read more:  http://www.twincities.com/mld/twincities/16302990.htm