In XXXX 2008 when I bought my house that was listed for {$190000.00} the bank told my real estate agent that in order for me to secure the house I will have to over bid and offer {$210000.00}, the bank mislead me to offer {$18000.00} over the listed price, when home prices were actually dropping and no raising, and the bank knowing this approved the loan, after about 4 years my home value went down all the way to about {$130000.00}, at the time when the economy was really bad my employer changed my salary status from {$XXXX} yearly to {$XXXX} hourly. I took about 35 % pay cut and I was struggling making my mortgage payments so I was forced to ask the bank to help me to modified my home loan to avoid loosing my house, after months of fighting with the bank they approved a loan modification, but what they did, they added around {$12000.00} to my loan debt, they gave me 4.5 interest rate and they reset my loan to 30 years again ... 
Right now after 7 years been paying my mortgage, my loan balance is {$200000.00} and my home value now is around {$180000.00}, I pay over {$100000.00} towards my house and my mortgage balance still {$200000.00} how is that possible? .... 
At work now after all the salary cut I took, they cut my hours as well and over time is out of the question anymore, so I been struggling paying my mortgage for the last 2 years, I used all my savings, and I been living in credit in order to be able to pay my mortgage, but I came to appoint where I do n't have more savings or credit available or unused credit in order to continue paying my mortgage, I contact my bank for help but as always, they just keep me running in circles, requesting the same information XXXX of times and loosing papers time after time without a concrete answer to solve or help me to keep my house ... 
I believe I was a victim of predatory lending, no just XXXX but XXXX times already with the same bank, and after all the money that the government gave to the banks to help people like me that is in trouble paying predatory mortgages, the only thing that in this case my bank does is profit more ... 
That 's why im requesting an investigation from your agency and review my loan and the modification that they did and why my balance still so hight and why the bank is giving me a hard time to do a real loan modification when a person like me really needs it and refuse to do it when I qualified for XXXX. 
