BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-24
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am not liable for this debt with XXXX XXXXXXXX XXXX XXXXXXXX XXXX for {$460.00}. I do not have a contract with XXXX XXXX XXXX, and was not provided the original contract as requested. My request to remove this illegitimate account from my credit report has already been honored with by another credit bureau XXXX as of XX/XX/2023. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company has no permission to report anything using my personal information pursuant to 15 USC 1681 4.

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
Consumer complaint received 2023-05-09
Company: Paypal Holdings, Inc
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Dear PayPal Team, I am writing to appeal the suspension of my newly created PayPal account, registered with the email address XXXX. I was surprised to receive a notification shortly after registering for my account that it had been suspended. As a first-time user of your service, I have not engaged in any activities that violate your policies. 

I kindly request that my account be reinstated and that you provide me with an explanation for the suspension. I have not had the opportunity to conduct any transactions or use any of the features of your service, so I am unsure of the reason for the suspension. 

I would appreciate it if you could review my account and provide me with a prompt response regarding its status. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I got my mortgage in XXXX of XXXX and it was transferred to SPS servicing in XXXX of XXXX. I have never had so much issues with a mortgage in my life. 

The Company has really screwed up with my escrow account and my monthly payment has kept increasing although property taxes have been known. There was an escrow analysis done in XX/XX/XXXX ( XX/XX/XXXX prior to that ) in which there was a ~ {$5000.00} shortage and my monthly payment was going to increase by {$240.00} over 24 months to cover the shortage. At this date, all future property tax disbursements were known. I was told on the phone that my new payment ( {$250.00} higher ) would be my payment going forward as property taxes were unlikely to increase materially after the new property tax level was set based on our purchase price. 

Yet in XX/XX/XXXX, I receive another escrow analysis shortage now that claims there is a ~ {$8000.00} shortage in my escrow account and now my payments will increase {$650.00} a month as the shortage will now be split over 12 months instead of 24 months. When I called SPS, they said my payment will continue to increase given reserve requirements will likely change!! They also were unable to answer my question of why we didn't get the escrow analysis correct that was just done in XXXX of XXXX when all future disbursements did NOT change. The fact they can get things incorrect and yank up my monthly bill to attempt to fix it ( and shorten time drastically to repay something that it was their fault ) seems very unethical and that they are acting in bad faith. 

This whole thing seems very shady and I would like all the numbers to be verified - people get " impounded accounts '' so it makes it easy to pay property tax/escrow in a simple way ( certain amount monthly ) and here it has gotten very complicated with the amounts constantly changing and disguised over 12 month vs 24 month splits when my expected disbursements have been constant. They do not know how to accurately do an escrow analysis and I have been punished financially for their disturbing behavior. 

I also had another issue where I had an overage in my escrow and it was so difficult to get it back from SPS. They wanted to send it in snail mail until I demanded overnight shipping. Consumer Affairs has this Company rated XXXX with XXXX reviews, unclear how they can still be in business with this level of significant complaints.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Credit bureaus is in violation of the XXXX XXXX XXXX XXXXXXXX. I was not contacted in writing XXXX XXXX prior. Please remove and block fraud accounts from my account.

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
Consumer complaint received 2018-10-27
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I XXXX XXXX do not have a complaint with any of the credit bureaus. This complaint is to make the credit bureaus aware that there is a debt collection agency that has abused my credit with XXXX and Experian respectfully. All debt collection agencies sign an agreement with the credit bureaus to report collections within the rules bureaus submit in their agreements. In XX/XX/2015 the CFPC ( Consumer Financial Protection Bureau ) reached  an agreement with the three major credit bureau on a change in rules on the reporting of medical debts. The rules call for a 180-day notice that must be submitted to the consumer that he/she has 180 days to rectify the collection, either through insurance, settlement or paid in full with the original medical facility or debt collection agency before the collection can be reported to a credit bureau. A copy of this decision from the CFPB is attached to this complaint. I am certain that the collection agency in question, XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NC XXXX is in violation of the rules with thousands of consumers, and their agreement with the bureaus must be voided immediately to stop this egregious activity that destroys consumers credit ratings. The collections must be terminated permanently and this agency should be given serious fines and sanctions by the CFPB accordingly. This activity by medical collection agencies must be given a stern discipline to cease such activities that hard consumers credit.

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
Consumer complaint received 2022-07-06
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
MY PERSONAL INFORMATION WAS COMPROMISED AGAIN LAST YEAR AND MY CELL PHONE NUMBER WAS HACEKD AND SPOOFED AND SOMEONE HAS USED MY INFORMATION TO OPEN UP LOANS AND FRAUDULENT ACCOUNTS USING MY SOCIAL SECURITY NUMBER AND I HAVE A POLICE REPORT ALONG WITH MY FTC REPORT TO PROVE THAT I HAVE BEEN A VICTIM OF IDENTITY THEFT THE NEXT STED I WILL BE TAKING IS TO GET MY LAWYERS INVOLVED TO STOP THIS FRAUDULENT ACTIVITY THAT EQUIFAX JUST KEEPS ALLOWING TO TAKE PLACE ON MY CREDIT REPORTS AS THIS IS THE REASON I MY EQUIFAX CREDIT REPORT WILL NOT ALLOW ME TO USE MY CREDIT FOR BUYING A HOME BECAUSE THERE FRAUDULENT ACCOUNTS THAT ARE NOT BEING DELETED AS YOU ARE IN COMPLETE VIOLATION OF 15 U.S. CODE 1681C AND THERE ARE UNAUTHORIZED INQUIRIES ON ALL XXXX OF MY CREDIT REPORTS THAT NEED TO BE DELETED IMMEDIATELY XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft..CFPB please remove the accounts XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX TX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX

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
Consumer complaint received 2020-02-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XXXX XXXX XXXX. 
XX/XX/2020. 

To : CFPB. 

I received an e-mail on XX/XX/2020. 
It looked like it was from CHASE credit card. It said : Urgent : of in-line Banking information. and We have detected an irregular activity on your account and we are placing a hold on your account for your protection. Click Here to verify your account. 
My husband clicked on it and disclosed my name, address, Date of birth, SS number, Drivers ID no. Chasecredit card Password, telephone no. Etc. The information went to the sender. I then called CHASE and told them what happened. They said it was fraud. 
They canceled our credit cards and promised new cards. We changed our password. 
We are afraid of what might happen to us. 
We want your advice please. 
XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my SECOND DISPUTE regarding the same accounts that are fraudulent and does not belong to me and still showing on my credit reports the accounts need to be deleted from my credit report immediately. Once again this is affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the fair credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Accounts listed below : -XXXX XXXX # XXXX -XXXX XXXX # XXXX -XXXX XXXX XXXX  # XXXX -XXXX  # XXXX -XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX -XXXX  XXXX XXXX  # XXXX -XXXX  # XXXX -XXXX XXXX  # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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
Consumer complaint received 2023-06-20
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I received your reinvestigation results and found that you are still reporting inaccurate and unfair information. Your company stated that the information was verified. 
Pursuant to 15 USC 1681 ( a ) ( b ) - Any authorization of a specific extension of credit of a credit card or similar device should be excluded from my consumer report. This alleged transaction that your company clearly did not investigate is categorized as a transaction that was issued from a credit card. Credit card as defined under 15 USC 1602 ( l ).

It is your grave responsibility to report accurate and fair information. 

Please provide me with your method of verification. Under me requesting your method of verification, I want to know who you spoke to. I want to know if this information was factual. I want to know who you interviewed and who you got it from. You did not interview my neighbors, friends, or associates. If you did, I want their exact name and address and I want a detailed description of what happened. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Ive been denied credit because of what youre reporting. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me with a copy of verifiable proof as requested, you must DELETE the account listed below. By law, you have 15 days to respond. 

ACCOUNT : Creditors Name : XXXX Account XXXX, XXXX. 
Account Number : XXXX Please delete Creditors Name : XXXX XXXX, XXXX Account Number : XXXX Please delete Creditors Name : XXXX XXXX XXXX, XXXX Account Number : XXXX Please delete Creditors Name : XXXX XXXX XXXX, XXXX Account Number : XXXX Please delete

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: CITIBANK, N.A.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Opened a Citi Regular Checking account ( account number ending in XXXX ) on XX/XX/XXXX. Funded with {$5000.00} from an external checking account. Maintained a minimum of {$5000.00} in the account through XX/XX/XXXX. 

When I opened the account, there was a promotion with the following terms ( paraphrased ) : " Deposit within 90 days and maintain deposit for 60 days. Receive the following bonus tiers. Deposit {$2500.00} receive {$100.00}. Deposit {$5000.00} receive {$200.00}. Deposit {$15000.00} receive {$400.00}. Deposit {$50000.00} receive {$700.00}. Deposit {$200000.00} receive {$1500.00}. '' I confirmed with Citi vie chat on XX/XX/XXXX, that I would receive the {$200.00} bonus by XX/XX/XXXX. Chat transcript attached. After confirming via chat, I withdrew some of my funds and waited until XX/XX/XXXX. 

On XX/XX/XXXX, after not yet receiving the funds, I chatted Citi again. They again confirmed the details of the promotion and said they would file an internal complaint and review. 

On XX/XX/XXXX, I received a letter from Citi saying that they were not aware of any promotions on my account. Now on XX/XX/XXXX, I am filing this complaint with the CFPB. Still no bonus deposited from Citi.

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 monetary relief
Consumer complaint received 2023-06-20
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I told XXXX, Equifax, and XXXX to reinvestigate these accounts. XXXX XXXX XXXX ( Account # XXXX ), XXXX XXXX ( Account # XXXX ), XXXX ( Account # XXXX ), and XXXX XXXX ( Account # XXXX or # XXXX ) I don't know which one is the right account number because all of these accounts are reporting inaccurately. How is it that the account numbers, open dates, balances, account types, date of last payment, and date of last activity be reporting inaccurately? According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that are not reporting correctly.

15 USC 1681 Section 602 A : States that I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish an account without written instructions.

15 USC 1681c ( a ) ( 5 ) Section States : No consumer reporting agency can make any other consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) - A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also they are not in compliance with Metro 2 credit reporting. I have attached evidence to prove my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have a HELOC with XXXX. 

My interest rate has been at 2.24 % fixed up to this date. 
Although the amount of my principal has been decreased from {$110000.00} to {$83000.00} the interest amount I am paying is fluctuating and in some instances has been increased. 

For example : On XX/XX/XXXX, my principal balance was {$95000.00}, and the amount of interest I paid was {$170.00} at a rate of 2.24 %. 
On XX/XX/XXXX, my principal balance is {$83000.00}, and the amount of interest is {$170.00} at a rate of 2.24 %. 

As I demonstrated above The principle is decreased, and the interest rate is the same at 2.24 %, but the interest amount is increased. The amount of interest is fluctuating every month, and there is no reasoning behind it. 

I have complained to Rocket Mortgage several times, but they do not think this is a problem. They are very condescending and show me a formula, claiming this is different than the way mortgages are calculated. 

This is fraud. If the principal amount is decreasing, and the Interest Rate is the same how can they justify the differences in the interest amount every month?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
MY PERSONAL INFORMATION WAS COMPROMISED AGAIN LAST YEAR AND MY CELL PHONE NUMBER WAS HACEKD AND SPOOFED AND SOMEONE HAS USED MY INFORMATION TO OPEN UP LOANS AND FRAUDULENT ACCOUNTS USING MY SOCIAL SECURITY NUMBER AND I HAVE A POLICE REPORT ALONG WITH MY FTC REPORT TO PROVE THAT I HAVE BEEN A VICTIM OF IDENTITY THEFT THE NEXT STED I WILL BE TAKING IS TO GET MY LAWYERS INVOLVED TO STOP THIS FRAUDULENT ACTIVITY THAT EQUIFAX JUST KEEPS ALLOWING TO TAKE PLACE ON MY CREDIT REPORTS AS THIS IS THE REASON I MY EQUIFAX CREDIT REPORT WILL NOT ALLOW ME TO USE MY CREDIT FOR BUYING A HOME BECAUSE THERE FRAUDULENT ACCOUNTS THAT ARE NOT BEING DELETED AS YOU ARE IN COMPLETE VIOLATION OF 15 U.S. CODE 1681C AND THERE ARE UNAUTHORIZED INQUIRIES ON ALL 3 OF MY CREDIT REPORTS THAT NEED TO BE DELETED IMMEDIATELY 1. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX, I BELIEVE THEY TOLD ME IT WAS A BUSINESS CARD BUT THE ACCOUNT NUMBER ENDS IN XXXX. XXXX XXXX XXXX XXXX # XXXX, THIS COMPANY TOLD ME TO EMAIL MY FRAUD CLAIM ALONG WITH THE DOCUMNETS ANDTHEY DENIED IT AND TOLD ME TO MAIL IT AGAIN, PLAYING A STALL GAME.BY I NEVER VALIDATE THAT ACCOUNT, I NEVER SAID THAT ACCOUNT WAS MINES. I TOLD THEM ITS FRAUD, IM NOT PAYING AND TO NEVBER CALL ME., THEY VIOLATED THE FDCPA ACT AND THE FCRA ACT BECAUSE I TOLD THEM THIS IS A FRAUDULENT ACCOUNT..ACCORDING TO THE CREDIT BUREAUS THIS IS A COLLECTION ACCOUNT BUT EQUIFAX HAS IT LISTED AS A CHARGE OFF AND COLLECTION. IM GETTING DOUBLE PUNISH.IN CASE I HAVE TO SUE EQUIFAX I HAVE 6 HOURS OVER THE PHONE RECORDED WITH THEM TELLING ME A LIE EVERYTIME, SAYING THEY REMOVE IT OR THEY CANT BUT THEY WILL THIS TIME, THE CFPB AND FTC REPORT IS FAKE REPORTS AND MORE REDIQULOUS STUFF. AS I HAVE SAID IN MY PREVIOUS COMPLAINTS NOW I HAVE XXXX AND XXXX AND PANIC ATTACKS. THE DOCTOR DIAGNOSE ME AND NOW I GET PRESCRIBE THIS MEDICINE. WHATS IS SO SAD ABOUT XXXX XXXX THEY SAID NOT ONE PAYMENT WAS MADE.I BEEN SENDING THEM ADDITIONAL DOCUMENTS FOR 4 YEARS OR A LITTLE LESS. IM A VICTIM OF FRAUD I SUBMITTED FTC REPORT, POLICE REPORTS AND UPDATED POLICE REPORTS. AND WHEN THEY SAID NO TO THAT THE CREDIT BUREAUS SUPPOSE TO MAKE SURE THEY VERIFIED TO THE MAXMIMUM ACCURACY AND ITS OVER HALF WAY COMPLETE AND EQUIFAX EVERYTIME SAY THAT BECAUSE THEY DONT SEND THE INFORMATION THAT THEY WILL NOT REMOVE IT NO MATTER WHAT. I HAVE AUDIO FOR THAT.

Company response to consumer: In progress