We presented a complaint on XXXX XXXX here at the Consumer Finance Protection Agency Case number : XXXX. On XXXX XXXX XXXX XXXX XXXX, exactly 27 days before our trial decided to file a motion to substitute party plaintiff and throwing our case to Nationstar Mortgage LLC as the " new '' plaintiff. 
For five years our case have been bouncing from XXXX, to XXXX, to XXXX XXXX XXXX and have changed law firms over and over again. They keep us in constant stress and keep avoiding to help us as mandated by the Government. Here is again our case : On XXXX XXXX XXXX after several months of paperwork we closed on our home with XXXX XXXX. I was asked to sign hundreds of papers with little or no time to review any of them. At that moment I was pressured to get the closing done. We provided XXXX % of the value of our home and our mortgage was {$1400.00} plus a MIP of {$390.00} or {$1800.00} per month with an interest rate of 2.5 %. By the end of the fifth year payments blew up to {$2800.00} plus {$390.00} of MIP to {$3200.00} per month. Just the mortgage grew XXXX %. 
During that process XXXX sold our mortgage to several other banks including XXXX XXXX XXXX and XXXX XXXX XXXX. 
Before the XXXX % increase in our mortgage payment came through we requested XXXX XXXX XXXX to refinance and their response every time was " you are paying on time we ca n't help you ''. We kept on calling until one XXXX XXXX XXXX representative stated that the reason they were unable to help us was because we were current with our payments and we needed to be in default for them to be able to help ''. 
Based on those instructions we defaulted and 60 days later re-applied through the Home Affordable Refinance Act three times. Even thou we fulfilled XXXX % of the criteria XXXX refused to refinance and proceeded with a foreclosure. 
Since we found the whole situation building up against us we hired an attorney and we did a compliance stress test of our mortgage with a certified reputable Loan Analyst for the RESPA and TILA and the result stated that the mortgage generator and its successors violated many RESPA and TILA federal and state statutes. 
We filed a counter claim at the court stating that not only the mortgage note are unforceable due to direct violations of TILA but also of the HOEPA and failed to deliver a notice of acceleration to us the homeowners violating the Federal Debt Collection Practices Act and also XXXX XXXX XXXX breached the mortgage agreement by force placed insurance in an amount in excess of that required under the mortgage. The mortgage also understated the finance charges and annual percentage rate violating the Truth in Lending Disclosure Statement at the time of closing. 
To top all that we requested a Home Equity Line of Credit for {$100000.00} which XXXX XXXX XXXX provided even though our home did n't have enough equity. Throwout the life of the HELOC we paid it in full several times and XXXX XXXX XXXX kept on lending us money even there was not equity to support that loan also known as predatory lending practices. 
Even after XXXX XXXX XXXX tries to foreclose in our primary residency and put our family on the street, we made and arrangement to pay the {$110000.00} HELOC and we satisfied that mortgage on XXXX XXXX XXXX.