{
 "retrieved": "2026-09-30",
 "source": {
  "name": "CFPB Consumer Complaint Database",
  "url": "https://www.consumerfinance.gov/data-research/consumer-complaints/search/",
  "primary": true
 },
 "caveats": [
  "The CFPB publishes complaints after the company responds or 15 days pass; it does not verify every fact in a complaint.",
  "Counts are not adjusted for each company's size, so a higher count can reflect more customers. The CFPB's January 2025 market report gives dated volumes (Unison 12,000+ contracts, Hometap 10,000+, Point 10,000 in 2023 alone), but they cover different periods, so we don't compute a complaint rate.",
  "There is no home equity investment category, so these complaints are filed under Mortgage and other products. We count every complaint naming the company."
 ],
 "providers": {
  "point": {
   "company": "Point Digital Finance, Inc.",
   "url": "https://www.consumerfinance.gov/data-research/consumer-complaints/search/?company=Point+Digital+Finance%2C+Inc.",
   "total": 55,
   "first": "2020-09-14",
   "last": "2026-09-24",
   "by_year": {
    "2020": 1,
    "2021": 2,
    "2022": 7,
    "2023": 2,
    "2024": 13,
    "2025": 11,
    "2026": 19
   },
   "issues": [
    [
     "Applying for a mortgage or refinancing an existing mortgage",
     19
    ],
    [
     "Trouble during payment process",
     16
    ],
    [
     "Closing on a mortgage",
     12
    ],
    [
     "Struggling to pay mortgage",
     4
    ],
    [
     "Incorrect information on your report",
     1
    ],
    [
     "Problem with a company's investigation into an existing problem",
     1
    ],
    [
     "Improper use of your report",
     1
    ],
    [
     "Problem with cash advance",
     1
    ]
   ],
   "responses": [
    [
     "Closed with explanation",
     53
    ],
    [
     "In progress",
     1
    ],
    [
     "Closed with monetary relief",
     1
    ]
   ],
   "timely": 55,
   "relief": 1
  },
  "hometap": {
   "company": "Hometap Equity Partners, LLC",
   "url": "https://www.consumerfinance.gov/data-research/consumer-complaints/search/?company=Hometap+Equity+Partners%2C+LLC",
   "total": 32,
   "first": "2022-04-15",
   "last": "2026-08-13",
   "by_year": {
    "2022": 2,
    "2023": 3,
    "2024": 1,
    "2025": 17,
    "2026": 9
   },
   "issues": [
    [
     "Applying for a mortgage or refinancing an existing mortgage",
     10
    ],
    [
     "Trouble during payment process",
     9
    ],
    [
     "Closing on a mortgage",
     4
    ],
    [
     "Improper use of your report",
     4
    ],
    [
     "Struggling to pay mortgage",
     2
    ],
    [
     "Incorrect information on your report",
     1
    ],
    [
     "Problem with a company's investigation into an existing problem",
     1
    ],
    [
     "Getting a line of credit",
     1
    ]
   ],
   "responses": [
    [
     "Closed with explanation",
     30
    ],
    [
     "Closed with non-monetary relief",
     2
    ]
   ],
   "timely": 32,
   "relief": 2
  },
  "unlock": {
   "company": "Unlock Technologies, Inc.",
   "url": "https://www.consumerfinance.gov/data-research/consumer-complaints/search/?company=Unlock+Technologies%2C+Inc.",
   "total": 26,
   "first": "2024-07-02",
   "last": "2026-09-14",
   "by_year": {
    "2024": 3,
    "2025": 10,
    "2026": 13
   },
   "issues": [
    [
     "Applying for a mortgage or refinancing an existing mortgage",
     8
    ],
    [
     "Closing on a mortgage",
     7
    ],
    [
     "Trouble during payment process",
     5
    ],
    [
     "Struggling to pay mortgage",
     2
    ],
    [
     "Improper use of your report",
     2
    ],
    [
     "Incorrect information on your report",
     1
    ],
    [
     "Charged upfront or unexpected fees",
     1
    ]
   ],
   "responses": [
    [
     "Closed with explanation",
     22
    ],
    [
     "In progress",
     3
    ],
    [
     "Closed with non-monetary relief",
     1
    ]
   ],
   "timely": 26,
   "relief": 1
  },
  "unison": {
   "company": "Real Estate Equity Exchange, Inc. d/b/a Unison",
   "url": "https://www.consumerfinance.gov/data-research/consumer-complaints/search/?company=Real+Estate+Equity+Exchange%2C+Inc.+d%2Fb%2Fa+Unison",
   "total": 15,
   "first": "2022-12-03",
   "last": "2026-05-27",
   "by_year": {
    "2022": 1,
    "2023": 4,
    "2024": 4,
    "2025": 3,
    "2026": 3
   },
   "issues": [
    [
     "Trouble during payment process",
     7
    ],
    [
     "Applying for a mortgage or refinancing an existing mortgage",
     4
    ],
    [
     "Struggling to pay mortgage",
     1
    ],
    [
     "Closing on a mortgage",
     1
    ],
    [
     "Confusing or missing disclosures",
     1
    ],
    [
     "Confusing or misleading advertising or marketing",
     1
    ]
   ],
   "responses": [
    [
     "Closed with explanation",
     14
    ],
    [
     "Closed with non-monetary relief",
     1
    ]
   ],
   "timely": 15,
   "relief": 1
  },
  "splitero": {
   "company": "Splitero, Inc.",
   "url": "https://www.consumerfinance.gov/data-research/consumer-complaints/search/?company=Splitero%2C+Inc.",
   "total": 3,
   "first": "2026-03-11",
   "last": "2026-04-25",
   "by_year": {
    "2026": 3
   },
   "issues": [
    [
     "Applying for a mortgage or refinancing an existing mortgage",
     3
    ]
   ],
   "responses": [
    [
     "In progress",
     3
    ]
   ],
   "timely": 3,
   "relief": 0
  },
  "cheifs": {
   "company": null,
   "total": 0
  }
 }
}