I bought my home in XX/XX/XXXX and the mortgage company was XXXX XXXX. Within days of signing, I received notice that my loan had been sold to U.S. Bank. U.S. Bank informed me of this transfer with new address to send my payments. 
Two months later, U.S.B. sent me notice of my home located in a flood zone. This was contrary to what my previous lender/builder told me. The notice never reached me and I was unaware of this at the time. It was the follow up notice that finally reached me. Here I was informed that since I did not provide flood insurance within the specified time ( never received the XXXX notice ), U.S.B. have gone ahead to provide with flood insurance and that my payments will be going up. I tried to explain to them that I was told from the onset that my home was not in a flood zone. Why was U.S.B. coming after me? This was a hassle I had to deal with costing a few thousand dollars to resolve. After this issue was resolved, my payment went down and I thought okay, all will be fine now. 
XX/XX/XXXX, I received yet another notice informing that my account was analyzed and it appears my escrow account was short {$3000.00}. I called to ask several times why was there a shortage since I have made regular payments/never late. The customer representatives I have spoken with could not give me concrete answers. It appears to me their answers were speculations rather than factual. This analysis has seen my mortgage payment skyrocket from about {$1100.00} - {$1600.00}. This is beyond what I signed up for and I feel the bank is not treating me fairly. I have also noticed some noticed in my payments breakdown, " additional taxes '', " mortgage insurance ''. The former I have no idea what those are and customer service has not helped. The latter, I was told it will drop off after a year, it has been two years and it still appears in my bill. 
I will like CFPB to investigate these issues on my behalf because I feel I am being railroaded my U.S. Bank. 
