Consumer complaint received 01/17/2017 about Mortgage (FHA mortgage) with U.S. BANCORP (AR).
Issue: Loan modification,collection,foreclosure

Complaint: To whom this may concern : Attn : XXXX XXXX, RE ; info you requested I am writing this letter to give you information on the status of my living arrangement at XXXX XXXX XXXX XXXX Arkansas XXXX, as well as my intention. I am also giving information on concerns and complaints. 

In XXXX of 2016, I received a letter stating my house would be sold in XXXX of 2016, so I began looking for a place to live as would anyone in this situation, I was not expecting to find a place quickly due to this being a small town and having pets it is usually hard to find. However, a place became available that butted yards with my elderly parents and they did allow my pets so I did rent it. I was very thankful due to having to assist in the care of my parents daily and being right behind them was a blessing and the stress of not having a place would be removed and I could take my time in the actual move. 

So I after I started the moving and I begin receiving notices that the sale was moved to XXXX, then XXXX, during all this time I did keep in touch with XXXX XXXX my relationship manager and gave her all the information that she had requested. I had spoked to her numerous times about a Deed in Lieu of Foreclosure from the get go, listed it on all the paperwork as well as e mails, spoke to the attorneys office since she told me that I would have to go through thru them, however they was shocked and stated that no this was all through the bank and they had never heard of anything like this. Again I had asked for this NUMEROUS TIMES, however when I could finally get her to hear me a couple months ago about this she stated that this could not happen since it was in foreclosure, I reminded her that I have been asking her for this for several months and have documentation of such. She became rude and starts getting defensive, At this point I just shut down as I do n't want to go there with her, I have even avoided her calls recently simply because of her attitude. It is clear that she is not there to be of any assistance to me what so ever, she does not listen or offer any assistance at all! 

I did officially move out of the house on XXXX around the middle of XXXX, however I continued to be over there daily and I am still over there daily and maintaining the property to this date. The power is still on, however I did have the water and gas turned off. I was still trying to do some cleaning and painting till parents got sick and took my time away from that but like said I am still there daily checking the property and maintaining it. 
As far as trying to sell the property I do not feel that I can at this point, you see this house has been nothing short of a money pit since day XXXX. I have tried and tried to keep up with all the maintenance that it needs however it has gotten beyond my control. I do admit to be taken advantage of by XXXX contractors ( or I thought ) that took my money and never came back, but if I listed this house I would have to disclose what was wrong with it and by doing this, I would not be able to sell it. 
List of needs of the house : Siding is falling off due to rain rot Fireplace major issues due to rotting siding, possibility of it falling in Needs roof Has a major water leak/sewer leak in yard Has major electrical issues inside, half of the elec. Sockets do not work, was told whole house needs new wiring. 
Was told by electrician that there was a huge and I mean huge wasp nest in attic would take a professional to take out Due to the rotten siding, we starting having a mouse infestation, we was trapping XXXX a day So you see at this point with all of this, the payments kept getting higher verses lower to what I could afford, contractors taking advantage, parents needing care, house being up for sale, it was time to move on. If I li

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief