I have an FHA mortgage loan that is being held by US Bank. They are not being fair or accurate in their modification review and have been extremely difficult to deal with. They put me through a nine month process that was tedious and frustrating, have repeatedly lost or misplaced my information, have assigned multiple points of contact and have told me XXXX thing and then days later I am told the exact opposite by a different employee. All of this paperwork finally resulted in an offer, but the payment that was provided was close to half of my monthly income. Not only that, when I received the paperwork ( on XXXX XXXX ) the date that I was told I had to respond and or appeal the decision by was that day. The letter was dated XXXX XXXX. It is like they intentionally put me in this situation where there was nothing I could do to question or challenge their process. I am quite certain that US Bank made significant errors while reviewing my financial information. Months ago when I began the process my daughter was XXXX and receiving money from XXXX. However, during the process she turned XXXX and stopped getting that income. I think that US Bank believed that money was part of the financial picture, but it is not. However, they have not given me a chance to appeal or present my side of the story or open a new review, and instead have put me into foreclosure. 

When I bought this house I was a XXXX for XXXX and was well paid and felt that I had stable employment. I unexpectedly was XXXX in 2011 and could not find work for 8 months. I tried to get US Bank to consider me for unemployment programs but they denied access to any of these. I used my savings to pay as long as I could but could not keep up. I then contacted the Illinois State program XXXX and they approved me and paid the majority of my mortgage payment for about a year. During that time I found employment, but had been forced to change careers and take an entry level job at XXXX XXXX along with a pay cut of almost 70 %. Once the XXXX grant expired I began trying to get US Bank to work with me. It took almost a year to get them to actually complete a review, and when they did they used outdated information to come up with a program for me and then sent the information so late that I could not open an appeal into their information and decision. I am a parent and I have worked hard for many years to get this home. I totally understand that I signed a contract to pay for this home but I lost my job and was out of work. I have done everything I can to comply with US Bank and their requests and feel that I have not been given a fair or accurate review 
