Product: Credit reporting, credit repair services, or other personal consumer reports

I used to have BOA and was transferred to Seterus last year as a foreclosure when I was AHEAD in payment by 2 to 3 months! I have no prepayment penalty - the payments were clearly marked as MORTAGE PAYMENT- and instead transferred as escrow or principal instead making it look like I was not paying payments. I attempted to contact BOA - showed them each and every check cashed by them - and that I was AHEAD in payments- instead XXXX transferred my loan as FORECLOSURE to SETERUS - I was sent a letter to pay a bunch of money to STOP THE FORECLOSURE- I paid that certified mail to XXXX the address on the foreclosure- it was not cashed or noted - so I sent another payment - borrowed more money to pay the same request TWICE just to stop my house from getting in the system. I discovered the first payment was put in someone elses account~ they cashed the second payment and finally did apply it to my account - but still I 'm out DOUBLE the money - and do n't know even were the money went - it seems it was taken out of the wrong account- but should of been refunded to me.I 've asked several times for that money - provided the checks cashed by them ( even the one where they put it into someone elses account ) But I got NOTHING > SETERUS last year sent me a tax question as to how I wanted my property taxes paid. - I always had the check sent to me and PAID the taxes myself thru XXXX - but last year they did n't get paid by Seterus OR the check was n't sent to me! The taxes finally got paid end of XXXX XXXX which screwed me out of tax benefits! This year I received the same questionnaire- put down taxes money sent to ME and I 'd pay them - and promised the money would be sent no later that XXXX XXXX. Well, I called up several times wondering where the check was - was told several times it was PAID in the amount of {$36000.00} on XXXX XXXX so I believe them and go to get a receipt for my taxes paid and it was n't there! They LIED to me! The taxes were NOT paid - a check was n't sent to me to pay them and now I 'm AGAIN XXXX on my taxes this year~ Plus, I already paid XXXX XXXX mortgage payment last month - but yet they sent me another statement to pay again for XXXX. Even that I called and it 'says ' my next payment is XXXX XXXX - I obviously ca n't believe that because it says my taxes are paid as well and ARE NOT! I attempted to call Seterus several times and talked to XXXX XXXX, Virginia in taxes and XXXX XXXX - all I get is transferred to voicemails, put on hold forever and XXXX refused to transfer me to a supervisor and HUNG UP ON ME! Each time I call I have to hear this debt collection speech, get transferred and have to wait for a long time to even get a customer service rep- and never got a supervisor EVER! This company should be examined for FRAUD - my taxes were not paid XXXX XXXX - and I have no check to pay my taxes. I 'm not going thru this every single year and want my loan transferred to a reliable, honest company - I did not choose Seterus and ca n't trust them. I WANT interest and penalty regarding my property taxes which are n't paid as promised they were. BELIEVE ME - I went straight to the TAX ASSESSOR - they are n't paid!