vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am sending my CFPB complaint today to inform you that I am a victim of identity theft. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into these inaccuracies and the subsequent removal of the erroneous items. I kindly ask that you initiate this investigation and provide me with a written response within the statutory timeframe of 30 days as required by law. I have attached the important documentation, including payment receipts and identification documents, to verify my claims and request a thorough investigation into this matter. These are the following items that needs to be remove in my credit file right away : 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 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 2023-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
" On XX/XX/2023, I sent a dispute letter to TransUnion concerning accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my credit report that I believed were inaccurately reported or for which I had never provided explicit consent to be reported. Despite providing clear reasons and any supporting documentation, on XX/XX/2023, I received a response verifying certain accounts and updating another without adequate proof or clarity on the method of verification. '' " I believe TransUnion has violated my rights under the FCRA in the following ways : They failed to adhere to the permissible purposes of reporting as stated in 15 U.S.C. 1681b by allowing entities to report without my explicit consent.

The CRA did not seem to follow the proper procedure for a disputed item as laid out in 15 U.S.C. 1681i, given the lack of evidence or clarity provided in their response. 
The continued reporting of inaccurate or unverified information is in violation of 15 U.S.C. 1681e ( b ), which mandates maximum possible accuracy in credit reports. ''

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 2023-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report. It is crucial to acknowledge that I did not authorize these ACCOUNTS and their presence is causing me considerable distress.

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 2023-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XX/XX/2023 ALLEGED ORIGINAL CREDITOR : XXXX XXXX ALLEGED DEBT COLLECTER AGENCY : PROFESSIONAL DEBT ALLEGED AMOUNT OWED : {$3900.00} ALLEGED ACCOUNT NUMBER : XXXX DEAR PROFESSIONAL DEBT I WAS MADE AWARE OF YOUR ATTEMPT TO COLLECT AN ALLEGED DEBT RECENTLY. PLEASE BE ADVISED THAT I HEREBY DISPUTE THE VALIDITY OF THE ABOVE-LISTED ALLEGED DEBTS IN ITS ENTIRETY. I REQUESTED VERIFICATIONS/VALIDATION OF THE ALLEGED DEBT AND SPECIFICALLY REQUESTED A COPY OF THE ORIGINAL CONTRACT OR AGREEMENT SIGNED BY THE ALLEGED ORIFINAL CREDITOR AND ALL PARTIES TO ANY SUCH CONTRACT PROVIDED. NOTE : A BILLING STATEMENT, NOTICE OR ANY UNSIGNED DOCUMENTS IS NOT VERIFICATION OF THE ALLEGED DEBT. YET YOU SEND A BILL STATEMENT WITH NO CONTRACT OR SIGNITURE PROVING THAT THIS ALLEGED DEBT IS MINE AND LIED ABOUT PROPERLY VERIFYING THESE ACCOUNTS. MAIL WAS RETURED FROM ADDRESS BECAUSE THAT IS NOT MY ADDRESS. 
I RECEIVED A LEASE AGREEMENT WITH APPEARS TO BE AN AUTOMATED COMPUTER-GENERATED SIGNATURE THAT IS NOT MY SIGNITURE AT ALL AND YOU SENT AN COPY OF A VERY OLD LICENSE THAT WAS STOLEN ALONG WITH MY ENTIRE PURSE. YOU ARE ON NOTICE THAT YOU ARE UNLAWFULLY ATTEMPTING TO COLLECT THE ABOVE-LISTED ALLEGED DEBT. CEASE & DESIST ALL COLLECTIONS ACTIVITY, INCLUDING REPORTING TO CONSUMER REPORTING AGENCIES ( CRAS ). PROVIDING ME THE SPECIFIC VERIFICATION DOCUMENTS ABOVE SHALL BE DEEMED COLLECTIONS ACTIVITY. FURTHER, I REQUEST THAT YOU PROMPTLY DELETE ANY AND ALL PRIOR CONSUMER REPORTING MADE TO ANY CRAS.IF YOU COMPLY WITH MY CEASE COLLECTION & DELETEION REQUESST, THEN YOU ARE EXCUSED FROM VERIFICATION. IF YOU OPT OUT TO PROVIDE VERIFICATION, ALSO PROVIDE PROOF OF THE CHAIN OF TITLE OF OWNERSHIP OF THE DEBT. IF THE ALLEGED DEBT WAS ACQUIRED BY A DEBT BUYER, THEN PROOF OF CHAIN OF TITLE OF THE ALLEGED DEBT MUST BE FROM THE ALLEGED ORIGINAL CREDITO TO THE CURRENT ALLEGED OWNER WITHOUT ANY BREAK IN CHAIN. NOW, I KNOW THESE ACCOUNTS IS IN VIOLATION OF MY RIGHTS AND I KNOW YOU THINK YOU'RE GETTING OVER BY PLACING DEBTS YOU RANDOMLY GOT FROM YOUR DEBT BUYER ON MY CREDIT REPORT AS A WAY TO TRY AND HURT ME, BUT THIS WONT FLY WITH ME. YOU HAVE 15 DAYS FROM THE DATE OF THIS LETTER TO SEND EVIDENCE THAT THIS ACCOUNT IS MINE. I WILL NOT ACCEPT ANOTHER BILL ONLY THE ORIGINAL CONTRACT WITH MY SIGNITURE! I TRUST THAT YOU WILL DO YOUR DUE DILIGENCE AND UPHOLD THE 105 REGULATIONS SET OUT FOR YOU IN THE FDCPA AND FCRA AND YOU WILL BE DELETING THIS ACCOUNT, BUT I ALSO DO WANT YOU TO KNOW THAT I KNOW MY RIGHTS! THIS LETTER IS EEVIDENCE THAT MAY BE PROVIDED TO THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ). THE CFPB IS AUTHORIZED TO FULLY INVESTIGATE THIS MATTER AND RECEIVE ANY INFORMATION RELATED THERTO. BE ADVISED, IF YOU FAIL TO COMPLY WITH THIS LETTER, I WILL TURN THE MATTER OVER TO A CONSUMER ATTORNEY. 
SINCERELY XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update 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 explanation
Consumer complaint received 2023-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 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 2023-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: MN

Complaint narrative:
Repeatedly calling my phone and now calling my relatives and telling them I have debt. I have requested that they DO NOT CALL, however, they continue to do so and now are calling other people asking questions about me. I do not owe them any money and I want them to cease and desist calling me or people I know. They are annoying and harrassing me and must stop calling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation
State: MS

Complaint narrative:
An application was submitted through XXXX XXXX with OneMain to apply for credit, the offer stated as a soft pull, but instead OneMain did a hard pulled that affected my credit score, OneMain representative from XXXX, XXXX called me severals times requesting information, but nothing was providing to her because i was no longer interested in proceeding with the loan, I have asked them to removed this from my credit file. But they sent me a letter and denied my request.This company is in the business of misleading consumers to hurt their credit and is desperately out to make money by all means necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC
State: WA

Complaint narrative:
This account is supposed to be closed yet it is saying it is not paid, and hurting my XXXX XXXX. 


XXXX - XXXX  Credit Card | Reported on XX/XX/XXXX Balance {$0.00} Limit {$300.00} Account utilization : 0 % | Excellent Payment history XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On time XXXX days late CONTACT INFO XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX MO XXXX ( XXXX ) XXXX You're currently late on your payment for this account. Make at least the minimum payment to bring your account back to good standing. 
Account details Account status XXXX payments or less past due Account type Revolving Account number XXXX XXXX Date opened XX/XX/XXXX Date closed XXXX XXXX, XXXX Past due {$0.00} XXXX XXXX XXXX XX/XX/XXXX Days Late XXXX My XXXX  XXXX cards and my XXXX card are now being paid off with monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have several hard inquiries that I have not authorized that are on my report.

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 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have several hard inquiries that I have not authorized that are on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
I have received letters stating that I owe on a vehicle that is not in my possession. I reported the car stolen over a year ago. I contacted the car lot where I got the car. The car was my son 's car. He is incarcerated. They are trying to take me to court plus make me pay fees. I am not liable for this vehicle.

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 2023-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-08-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Upstart Holdings, Inc.
State: MD

Complaint narrative:
The consumer and natural person was denied credit by UPSTART when she applied for a personal loan, XX/XX/2023, Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691 c and is pursuant to civil liability under 15 U.S.C 1692k.

They are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by UPSTART due to the response I received.

UPSTART is in violation of 15 U.S Code 1642 U.S.C 1681m and 12 cfr 1002 because I the consumer, made an application in good faith, but credit was not issued. 
Furthermore, because my social security number ( credit card ) was used and received NO benefit. This proof of fraudulent activity ( unauthorized use of credit card ) on behalf of UPSTART

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
This account is supposed to be closed yet it is saying it is not paid, and hurting my credit score. 


XXXX - XXXX  Credit Card | Reported on XX/XX/XXXX Balance {$0.00} Limit {$300.00} Account utilization : 0 % | Excellent Payment history XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  On time XXXX days late CONTACT INFO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX MO XXXX ( XXXX ) XXXX You're currently late on your payment for this account. Make at least the minimum payment to bring your account back to good standing. 
Account details Account status XXXX payments or less past due Account type Revolving Account number XXXX XXXX Date opened XX/XX/XXXX Date closed XXXX XXXX, XXXX Past due {$0.00} XXXX XXXX XXXX XX/XX/XXXX Days Late XXXX My capital one cards and my XXXX card are now being paid off with monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: WA

Complaint narrative:
This account is supposed to be closed yet it is saying it is not paid, and hurting my XXXX XXXX. 


XXXX - XXXX  Credit Card | Reported on XX/XX/XXXX Balance {$0.00} Limit {$300.00} Account utilization : 0 % | Excellent Payment history XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On time XXXX days late CONTACT INFO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX MO XXXX ( XXXX ) XXXX You're currently late on your payment for this account. Make at least the minimum payment to bring your account back to good standing. 
Account details Account status XXXX payments or less past due Account type Revolving Account number XXXX XXXX Date opened XX/XX/XXXX Date closed XXXX XXXX, XXXX Past due {$0.00} XXXX XXXX XXXX XX/XX/XXXX Days Late XXXX My XXXX  XXXX cards and my XXXX card are now being paid off with monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
For over a year there have been multiple increases in interest rates without notice. As of XX/XX/XXXX my interest was 16.49 %. By XX/XX/XXXX interest rate was 17.99 %. No notice was sent. I have never received any notice for any interest rate increase ever ; as there have been many more increases that I am finding in my records. I have contacted them requesting they lower my interest rate a week ago ( Mid XX/XX/XXXX ) and they did not honor my request. 
My current rate is 20.99 % with Chase freedom unlimited rewards card. 
Chase ( Card Services ) XXXX XXXX XXXX, XXXX, DE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
A Synchrony Bank / TJ Maxx Credit Card was opened in my name without any of my knowledge. The credit inquiry appeared on XX/XX/XXXX on my XXXX credit report and XX/XX/XXXX on my XXXX credit report. An account than appeared on my XXXX credit report on XX/XX/XXXX and on my XXXX credit report on XX/XX/XXXX. It appears the account was approved and opened on XX/XX/XXXX. I proceeded to lock my credit and instill a fraud alert on all three of my credit reports on XX/XX/XXXX. There appears to be a balance of {$380.00} on the card and a limit of {$1500.00}. All of which I did not apply for, authorize or make any purchases with. I believe have been a victim of identity theft and fraud.

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 2023-08-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SELECT PORTFOLIO SERVICING, INC.
State: WA

Complaint narrative:
This complaint relates to Select Portfolio Servicing Inc ( SPS ) lying to me and to CFPB in their response to CFPB. In my complaint # XXXX to CFPB, I mentioned that SPS made an unauthorized withdrawal from my escrow account to pay insurance when my insurance was already fully paid until XX/XX/2024. In their response to CFPB, SPS said they did the right thing in paying for the insurance due to their receipt of a Declaration from the Insurance company. They attached that Declaration with their response to CFPB, which I am reattaching here. This payment was unauthorized and illegal for 2 reasons : 1. I never asked SPS to pay for the insurance because it was already fully paid until XX/XX/2024. 
2. The Declaration, that SPS attached as an excuse for their wrongdoing, clearly says " This is not a an Invoice/Bill. ( See Page 3 of Attachment, which is the same that SPS provided to CFPB in Complaint Number XXXX ). So why did SPS take my money from my escrow account to pay insurance when there was no bill and claim they did the right thing? They lied point blank even in their correspondence to CFPB, an organization that has teeth. Imagine how they have bullied and lied to me.

3. This illustrates how SPS has been providing me with extremely poor customer service. Their representatives have been giving me contradictory answers due to the lack of training they received. I feel bad for the front line reps who have to deal with frustrated consumers like myself when it is not their fault. It is SPS ' bizarre internal processes that give bad image to their staff and cause monetary damage to consumers. 
4. By law, SPS had 30 days to put the escrow balance in my hand. They did not send out the real money until XX/XX/XXXX, almost two months after they closed my escrow account. Their saying they mailed the first check out on XX/XX/XXXX was a lie. Others customers complained on CFPB website and to XXXX about same issue. They never truly sent out the first check to buy another 30 days with money in their pocket so they can make money with it. 
5. I want an apology from SPS and payment of {$300.00} to me for the 5 hours I spent on the phone chasing down the unauthorized insurance payment SPS and the extra days they kept my escrow balance refund If a consumer mortgage payment is late, SPS charges late fee. They were late in refunding my escrow and they wasted my time through their unauthorized payment. They should compensate me. Fair is fair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The account was updated as correct according to the Fair Credit Reporting Act where it said by law I had the right to challenge anything I am not sure is accurate According to 1681i ( a ) if proof is not provided within thirty 30 days the account should be DELETED

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