I am not an expert but was recently trying to figure this out myself, everything I've read says cob won't work with berming or
underground because it really needs to breathe. Even with gravel and a drain, moisture could build up against the wall since there is no air flow around it. Although maybe someone with more
experience could tell you if there is a way to do it or not, maybe it depends on your climate. I live on the west coast, I wouldn't risk it here.