Consumer complaint received 2017-12-17
Company: Union Home Mortgage Corp
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Hello, I am in the process of buying my first home. I went to XXXX XXXX XXXX  because I wanted to work with a reputable and very responsive mortgage officer. I left my previous mortgage officer who failed to walk me through the process and respond to my emails and calls within 24-48 hours. I am smart enough to research info on the internet. But my situation was unique. I am XXXX XXXX with no XXXX income. So I had specific needs and wanted to work with a lender who specialized in working with people like me. My previous mortgage officer freely gave me a copy of my credit report with the credit score showing. In the past, I have received this same type of report from other lenders. I shared this credit report with XXXX XXXX and his supervisor ( XXXX ) at XXXX XXXX XXXX ( XXXX, FL ). He said he could use this report to get a good idea of my situation. The report was only 3 - 4 months old. So my situation or credit score had not changed much. It had actually improved. I thought XXXX could use the current report without pulling another report ( which would show as an inquiry on my credit report ) in order to issue me a basic pre-qualification letter. I provided the income and taxes he requested. 
I told XXXX that I wanted my credit report. Clearly, I wanted it if I GAVE him my current report with SCORE that was provided to me by my previous mortgage rep. 
I was disappointed to learn that he would not give it to me. There are many inconsistencies in the mortgage industry. Some mortgage officers have given it to me for free. Others say that by law they are allowed to have me pay a fee to receive my full credit report with the score BEFORE the closing. I asked XXXX XXXX ( XXXX XXXX XXXX at XXXX XXXX XXXX ) and XXXX if I would get a FULL credit report WITH the SCORE at the closing. Neither one of them responded. If I can get this full report at closing, then why ca n't they give it to me NOW. I could have paid a fee for this. I did not even know my credit was being pulled AGAIN! Now that they pulled it, of course I want to SEE IT! After the back and forth and countless phone calls and all of my wasted time, this has caused me NOT to trust XXXX XXXX XXXX. I do n't believe they will disclose everything to you in advance. You will be blind sided by information. I can not risk having another unresponsive mortgage rep. I learned from other mortgage people that XXXX XXXX XXXX is required to give me a consumer report which is my full credit report WITHOUT the XXXX XXXX. I agreed to accept this, but was really disappointed that they did not tell me this in advance. I have worked hard to maintain good credit. Today is XXXX and neither XXXX XXXX nor XXXX have given me the link to or a copy of my consumer report version of my credit report. I have had to go to different lenders to help me. XXXX XXXX XXXX does not even respond to my emails, phone calls or text messages. This is wrong. It 's irresponsible. It 's poor customer service. How can you trust a mortgage company who acts like this? See attached text messages I had with XXXX and XXXX. This situation NEVER had to escalate to this point. XXXX NEVER told me in advance that 1 - He could not give me my credit report with score, 2 - He was not knowledgeable enough to offer me the Consumer Report version, 3 - He and XXXX are refusing to give me the Consumer Report version. They are completely ignoring my request. They have ruined a perfectly good opportunity for me to provide them with other business for my commercial projects, investment and other residental needs.

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 explanation