vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have tried multiple times to get Equifax to take off a collection debt from XXXX XXXX XXXX from my credit report. I have a collection for an apartment that I used to live in. I have provided documentation to Equifax showing that I had moved from this apartment and removed from the lease signed by the Management Company. They for some reason still insist that this is my account. The " validation '' I received was a water bill that they forgot to change out of my name. I can not be charged for rent for a place I did not live and took all the steps necessary by the management company to leave.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I recently checked my credit and seen tons of inquiries on report. I have no knowledge of these inquiries nor did I give anyone access to my personal information. I called each companies number on my report and spoke to their rep regarding this matter. The reps stated it would be removed. I waited two months with no improvements. Below are all the information being reported on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UTXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TXXXXX ( XXXX ) XXXX XXXX   XXXX XXXX XXXX XXXX, DEXXXX ( XXXX ) XXXX XXXX C/O XXXX XXXX XXXX XXXX XXXX XXXX, SDXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NYXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NCXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CAXXXX ( XXXX ) XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, MIXXXX ( XXXX ) XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NJXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FLXXXX ( XXXX ) XXXX XXXX/XXXX XXXX XXXX XXXX XXXX, FLXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, DEXXXX ( XXXX ) XXXX XXXX XXXX ATTN  CREDIT DISPUTES DEPT XXXX. XXXX   XXXX XXXX, NCXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OHXXXX - XXXX/XXXX C/O XXXX XXXX XXXX XXXX XXXX, SDXXXX ( XXXX ) XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ILXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DEXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NYXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VAXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VAXXXX XXXX XXXX XXXX XXXX XXXX, OHXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DEXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TXXXXX ( 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 2018-11-08 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: The CBE Group, Inc.
State: NY

Complaint narrative:
Over the past several months I have continued to receive unwanted calls from a company called " CBE Group. '' I have blocked several of their numbers ( which all originate in XXXX, New York ). However, they keep calling me with different lines every time. 

I have received numerous calls before XXXX in violation of several laws and regulations. They are harassing me with their calls. Last time I told me to stop calling me and the representative assured me they would put me on a " no-cal list. '' Despite these assurances, I have continued to receive illegal and unwanted calls from this company. See attached proof. 

I also suspect the company uses false names for their representatives. Please check if a " XXXX XXXX '' is actually an employee there or if its another deceptive tactic this company is using.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am trying to unfreeze my credit report. I have attempted to contact them many times for the past day and a half and can not get a person to talk to or the correct prompt to help me. I have tried to unfreeze it online and have not been able to do resolve my issue. 
I requested my PIN and it does not work!!!!!! 

I am very frustrated with this process. They should have a customer service person available at all times. 

Please have someone call me.XXXX or XXXX thank you 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 2018-11-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
In XX/XX/XXXX, a student loan for my daughter for which I was a co-signer was on the verge of going into default. This situation was because my daughter was a single parent, under-employed, and underpaid, and receiving no child support. Add this to the fact that our family was affected by the XX/XX/XXXX financial crisis during which time we lost our family home to foreclosure and defacto bankruptcy, we desperately tried to reason with Wells Fargo ( as we did with other creditors ) to offer what we could pay as good faith gestures. They would not accept anything less than what they wanted. During this time, I was primarily responsible for my daughter and granddaughter financially since my daughter 's income was insufficient. This meant that each month, apart from what little bit my daughter could afford, what was deposited in my Wells Fargo bank account was just enough to pay the rent, pay the bills, and put food on the table. During that month, Wells Fargo proceeded to garnish my wages directly out of my accounts without getting a judgment against me and without informing me or considering the consequences for my family since I was the head of household for a family that included a then XXXX-year-old. I called, and after an hour crying and begging on the phone, I was able to get someone to give me some of the money back, but they kept the rest as payment on a student loan. From there, they demanded that I come up with a plan to pay them because if I didn't, they said that the would continue garnishments. As a result, I had to get rid of all of the possessions from my home that I had lost so that I could find a way to pay them {$200.00} a month. Since then, they've made a note on my credit report saying that an arrangement was made, when in truth, it was not an agreement but a garnishment with no opportunity to explain the situation before a judge. To add insult to injury, after paying them {$200.00} a month since XX/XX/XXXX without any payments ever being late, they've refused to remove the derogatory marks from both my credit report and my daughter 's.

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 2018-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I had a financial problem and used my overdraft Capital One checking account. I just used less than XXXX dollars in small amounts of money but they charged me 24 overdraft fees, between XX/XX/XXXX and XX/XX/XXXX plus the money that I used each overdraft fee was XXXX dollars without discriminating the amount of the transaction, which seems to me to be very unfair and abusive. It doesn't make sense to surpass me by XXXX dollar and pay XXXX. When I got paid they took all my money causing all kind of issues, I couldn't pay my bills on time, etc. etc. 
I have found this out with an attorney and he tells me that these charges are completely illegitimate and abusive. 
All of my salary deposited on Friday, XX/XX/XXXX was taken by the bank due to overdrafts and disproportionate fees. 
I would appreciate it if you could help me with this, otherwise I will have no choice but to close my account. Which would give me a lot of regret because I never had problems with the bank in the three years I have this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BOK FINANCIAL CORP
State: OK

Complaint narrative:
Garnishment stopped on Case XXXX on my wifes account, XXXX XXXX XXXX took garnishment on my account, and i closed the account, now they are garnishing my wages over fees charged to an account i have not used in years, they disharged the garnishment on my wife, why are they taking money for a case that was discharged XXXX Why am I liable for a case that was discharged

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
During the month of XX/XX/2018, I paid off a car loan with XXXX XXXX. The account payments were never late. After XXXX XXXX closed the account XXXX XXXX-Transunion and XXXX lowered my score by, ore than 20 points.I called XXXX   and was told they would look into the matter. I submitted a dispute with Transunion during the 3rd week of XX/XX/XXXX and called them today and the issue has not been resolved. 

They quick to lower the scores and yet when a mistake is make it takes 30 days or more for them to make corrections, this is not fair! 

These credit reporting companies need to have more oversight from the government as it pertains to lowering scores without sufficient investigation. In addition they should have a set time to correct mistakes.

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 2018-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The issue is with Transunion. They claim to have an online dispute process but the website actually does not provide a way to open a new investigation. I called Transunion 4 times this week, spoke to 4 different people and a supervisor and I still not able to open a dispute for an item I see 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 explanation
Consumer complaint received 2018-11-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I make my payments early and on time it's a fairly new loan but the interest rate charges make no sense when I first got this loan they sent a video stating that if you pay on time more of your money goes to the principal and less to the interest rate so this month I paid early and on time and their saying they had to charge me for 35 days of interest which makes no sense to me this cant be right. Please help me resolve this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I recently checked my credit and seen tons of inquiries on report. I have no knowledge of these inquiries nor did I give anyone access to my personal information. I called each companies number on my report and spoke to their rep regarding this matter. The reps stated it would be removed. I waited two months with no improvements. Below are all the information being reported on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UTXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TXXXXX ( XXXX ) XXXX XXXX   XXXX XXXX XXXX XXXX, DEXXXX ( XXXX ) XXXX XXXX C/O XXXX XXXX XXXX XXXX XXXX XXXX, SDXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NYXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NCXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CAXXXX ( XXXX ) XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, MNXXXX ( XXXX ) XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, MIXXXX ( XXXX ) XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FLXXXX ( XXXX ) XXXX XXXX/XXXX XXXX XXXX XXXX XXXX, FLXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, DEXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX   XXXX XXXX, NCXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OHXXXX - XXXX/XXXX C/O XXXX XXXX XXXX XXXX XXXX, SDXXXX ( XXXX ) XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ILXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DEXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NYXXXX ( XXXX ) XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX, VAXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VAXXXXXXXX XXXX XXXX XXXX XXXX, OHXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DEXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TXXXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I recently checked my credit and seen tons of inquiries on report. I have no knowledge of these inquiries nor did I give anyone access to my personal information. I called each companies number on my report and spoke to their rep regarding this matter. The reps stated it would be removed. I waited two months with no improvements. Below are all the information being reported on my credit report. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UTXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TXXXXX ( XXXX ) XXXX XXXX   XXXX XXXX XXXX XXXX, DEXXXX ( XXXX ) XXXX XXXX  C/O XXXX XXXX XXXX XXXX XXXX XXXX, SDXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NYXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NCXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CAXXXX ( XXXX ) XXXX ALLY  XXXX XXXX XXXX XXXX XXXX, MNXXXX ( XXXX ) XXXX XXXX XXXX   XXXX XXXX XXXX  XXXX XXXX XXXX, MIXXXX ( XXXX ) XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FLXXXX ( XXXX ) XXXX XXXX/XXXX XXXX XXXX XXXX XXXX, FLXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, DEXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX   XXXX XXXX, NCXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OHXXXX - XXXX/XXXX C/O XXXX XXXX XXXX XXXX XXXX, SDXXXX ( XXXX ) XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, ILXXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, DEXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NYXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VAXXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, VAXXXX XXXX XXXX XXXX XXXX XXXX, OHXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DEXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TXXXXX ( 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 2018-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Wells Fargo bank decided, on their own, to convert our Simple Business Checking account to a Federal Agency Account. This happened on XX/XX/2018. We noticed this change with the following month 's statement. We called Wells Fargo and verified that we were not a government agency and confirmed with Wells Fargo that we were not eligible for this type of account. They stated that they would switch it back, but it may not show up on the statements until a month later. We waited two months and it still hasn't changed. On XX/XX/2018, we went to a Wells Fargo Branch, they claimed that they could change the account but as of XX/XX/2018 this hasn't been corrected.

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 2018-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I was a victim of identity theft in XX/XX/2017. XXXX XXXX should not be on my credit report. It should be removed and my credit score should be higher. I want my credit cleaned up. I have clean credit with no problems in paying on time.

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 2018-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I was a victim of identity theft in XX/XX/2017. XXXX XXXX should not be on my credit report. It should be removed and my credit score should be higher. I want my credit cleaned up. I have clean credit with no problems in paying on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: FIRST ADVANTAGE CORPORATION
State: FL

Complaint narrative:
I am a XXXX XXXX XXXX XXXX in XXXX, Florida. I submitted myself and my information for a background check to First Advantage, XXXX. XXXX XXXX, XXXX, IN XXXX. 

The background check was completed and a report from First Advantage was delivered to me on or about XX/XX/XXXX. 

The report, which was also provided to the XXXX XXXX XXXX XXXX, Acct # XXXX, included information alleging that I had been placed on probation in XXXX County for a one year period for a crime committed in XX/XX/XXXX. If the Company, First Advantage, had looked further into the charge and the alleged date of commission, they would have discovered that I was still in Elementary school at the time and this charge could not practically belong to me. I am embarrassed and humiliated that further questioning of me or research into the information was not completed by First Advantage. The negligence in handling the background check under these circumstances is inexcusable. A False report has now been provided about me. I have contact the agency where the charge was allegedly filed ( XXXX County State Attorneys Office ) XXXX XXXX, FL and have been advised that no charges exist under my name. 

I want the Consumer Financial Protection Bureau to investigate the error in reporting by First Advantage and I want Agency to be reprimanded for their negligence in handling this case. The Agency MUST send immediately a corrected report and an apology to the XXXX XXXX XXXX XXXX for causing me this harm. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
In XX/XX/XXXX, I lost my job for more than 6 months with a young child, which caused my previous car to be repossessed. Therefore, when I got a job, it was far and I had to settle for a second chance auto loan lender, Credit Acceptance. I was told that I would be able to refinance the car to lower the interest rate but this never happened. No lender would refinance my vehicle because it has negative equity. I have had my car appraised, and it was estimated at being worth {$3500.00}, with me owing Credit Acceptance roughly {$14000.00}. No auto loan lender will refinance my current loan nor allow for a trade in with such a high loan balance. Essentially, i am stuck in this loan with a car that is fallen to pieces. The car does not shift gears properly without me using a screw driver, I am having transmission issues which have caused me roughly $ 2K to date, every time I have paid for my car door to be fixed it breaks again so I have roll down my window to open the door from the outside. My monthly payment is {$540.00} on this XXXX XXXX XXXX. I have asked Credit Acceptance to lower my interest to rate or lower my buyout so another auto lender can approve me to get another car and so that my roll over amount is lower. I have gone to 5 dealerships who have stated I am stuck in this loan and they can only assist me if my outstanding loan amount was roughly 50 % less. I think it is beyond ridiculous that second chance auto lenders are taking advantage of consumers who fall on rough times, where they have no programs to reduce interests or car appraisal for extreme cases such as myself. Additionally, they have poor customer service, where their customer service reps are beyond disrespectful and they call constantly when you have already agreed to a payment plan with another rep. I have also asked to speak to their legal department to try to come to a conclusion and they never called me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax has really cause me a big hard ache, they are reporting previous address and names thats XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX tx I was a victim of identity thief i have sent several things over they have removed and keep putting it back on, violating my rights with someone else information

Company response to consumer: Closed with explanation