conversation_id
stringlengths 32
32
| speaker
stringclasses 2
values | date_time
stringlengths 25
32
| text
stringlengths 1
11.1k
⌀ |
|---|---|---|---|
619ce702017f4f3e8117bdc5107539df | client | 2023-09-16T15:58:19.076923+00:00 | Sure. I'm trying to finalize a business deal and the other party is requesting that I provide an indemnity bond as a condition of the contract. I'm not really sure what that entails or how to go about getting one. |
619ce702017f4f3e8117bdc5107539df | agent | 2023-09-16T15:58:37.538461+00:00 | No problem, Belva. An indemnity bond is essentially a guarantee that protects the other party from any potential losses that may arise as the transaction. It's a common request in business deals, especially when there's a lot of money involved. |
619ce702017f4f3e8117bdc5107539df | client | 2023-09-16T15:58:55.999999+00:00 | Okay, that makes sense. So how do I go about getting one of these bonds? |
619ce702017f4f3e8117bdc5107539df | agent | 2023-09-16T15:59:02.923076+00:00 | Well, the can certainly help you with that here at Union Financial. We offer a range of surety products, including indemnity bonds. Before we begin, though, I just need to verify your identity. Can you confirm give me your date of birth and the last four digits of your social security number? |
619ce702017f4f3e8117bdc5107539df | client | 2023-09-16T15:59:26.923076+00:00 | Sure, my date of birth is January 1st, 1980, and the last four digits of my social security number are 5678. |
619ce702017f4f3e8117bdc5107539df | agent | 2023-09-16T15:59:36.615384+00:00 | Great, thank you for providing that information, Belva. Now, to get started on the indemnity bond, I'll need some additional information from you. Can you please provide me a little bit more about the business deal that you're working on? What's the value of the contract and who is the other party involved? |
619ce702017f4f3e8117bdc5107539df | client | 2023-09-16T16:00:01.076922+00:00 | The contract is worth $250,000 and the other party is XYZ Corporation. |
619ce702017f4f3e8117bdc5107539df | agent | 2023-09-16T16:00:06.615384+00:00 | Okay, that helpss helpful. And do you have a copy of the contract that you can fax or email to me? That will help us to better understand the terms and conditions of the agreement. |
619ce702017f4f3e8117bdc5107539df | client | 2023-09-16T16:00:22.769230+00:00 | Yes, I have a digital copy right the contract right here. Let me just forward it to you via email. |
619ce702017f4f3e8117bdc5107539df | agent | 2023-09-16T16:00:31.999999+00:00 | Perfect, thank you. I'll take a look at the contract and then we can discuss the next steps for obtaining the indemnity bond. In the meantime, I'll also need some know a few other details about your business, such as its legal structure and financial statements. |
619ce702017f4f3e8117bdc5107539df | client | 2023-09-16T16:00:53.230768+00:00 | Sure, my business is a sole proprietorship and I have a my financial statements to the email along with the contract. |
619ce702017f4f3e8117bdc5107539df | agent | 2023-09-16T16:01:02.923076+00:00 | Great, thank you for being prepared. Belva. I'll review all of this information and then we can discuss the options for the indemnity bond. Based on what you've shared so far, it sounds like we should be able to issue the bond without any problems. |
619ce702017f4f3e8117bdc5107539df | client | 2023-09-16T16:01:23.692307+00:00 | That's great to hear! Thank long will the process take and what are the fees associated with the bond? |
619ce702017f4f3e8117bdc5107539df | agent | 2023-09-16T16:01:32.461538+00:00 | Typically, the process takes a few days to a week, depending on how complexity of the transaction. As for the fees, they vary based on the amount of the bond and the creditworthiness of the applicant. For your case, since the bond is for $250,000, the fee would be around 2.3% of the bond amount, or $5,000 to $7,500. |
619ce702017f4f3e8117bdc5107539df | client | 2023-09-16T16:01:59.692307+00:00 | That sounds reasonable. And what kind of collateral do you typically require for an indemnity bond? |
619ce702017f4f3e8117bdc5107539df | agent | 2023-09-16T16:02:07.076922+00:00 | We an indemnity bond of this size, we would typically require some form of collateral, such as a lien on a property or a cash deposit. However, since you're a sole proprietorship and the bond amount is't extremelyively high, we may be able to work with you to find alternative forms of collateral. |
619ce702017f4f3e8117bdc5107539df | client | 2023-09-16T16:02:31.538460+00:00 | That's good to know. I don't have any properties to cash reserves to use as collateral, but I do have some equipment and inventory that I could potentially use. Would those work? |
619ce702017f4f3e8117bdc5107539df | agent | 2023-09-16T16:02:46.307691+00:00 | They might. It would need to evaluate the value and the equipment and inventory to determine if they would be sufficient collateral for the bond. Can you provide me with some more information about the assets you have in mind? |
619ce702017f4f3e8117bdc5107539df | client | 2023-09-16T16:03:04.769229+00:00 | Sure. I have about $500,000 worth of equipment and inventory that I could potentially use as collateral. |
619ce702017f4f3e8117bdc5107539df | agent | 2023-09-16T16:03:12.615383+00:00 | That's helpful. I think we should be able to work with that. Let'll discuss this with our underwriting team and we'll get back to you within the next day or two with a decision. In the meantime, is there anything else I can assist you with, Belva? |
619ce702017f4f3e8117bdc5107539df | client | 2023-09-16T16:03:34.307691+00:00 | No, that's all for now. Thank you for your help, Louisa. I appreciate it. |
619ce702017f4f3e8117bdc5107539df | agent | 2023-09-16T16:03:40.769229+00:00 | You're welcome, Belva. I'll be in touch soon. Have a great day! |
19eb4798d2514bce87afc991ba721350 | agent | 2023-09-08T13:54:29+00:00 | Hello! Welcome to Union Financial! My name is Dondre. How can I assist you today? |
19eb4798d2514bce87afc991ba721350 | client | 2023-09-08T13:54:35.923077+00:00 | Hi! I, I need some help with my concessionary loan. Can you help me what the terms are? Like Dondre: Of course! Let me just if I can help you with that. Can you please verify your identity for me? |
19eb4798d2514bce87afc991ba721350 | client | 2023-09-08T13:54:54.384615+00:00 | Uh...Iure. My name is Imogene Smith. And my account number is...(gives account number). |
19eb4798d2514bce87afc991ba721350 | agent | 2023-09-08T13:55:00.384615+00:00 | Thank you, Imogene. I'm just going to check on a few things real quick. (pause) It looks like we have a couple different accounts associated with that name and account number. Can you tell confirm which one you're referring to? |
19eb4798d2514bce87afc991ba721350 | client | 2023-09-08T13:55:18.846153+00:00 | Oh...um...I think it's...(pauses) Wait, how do you have multiple accounts under my name? That doesn't sound right. |
19eb4798d2514bce87afc991ba721350 | agent | 2023-09-08T13:55:26.692307+00:00 | I apologize for the confusion, Imogene. It's possible that there was a mistake when the accounts were set up. Let me see if I can consolidate them for you. (pause) Okay, it looks like I've been able to merge the accounts. Is there anything else you need help with? |
19eb4798d2514bce87afc991ba721350 | client | 2023-09-08T13:55:49.307692+00:00 | Yeah, like I said, I want to know the terms of my concessionary loan. |
19eb4798d2514bce87afc991ba721350 | agent | 2023-09-08T13:55:55.769230+00:00 | Sure thing! For our concessionary loans, we offer a interest rate of 5% APR for the first three years, after which time the rate will adjust based on market conditions. There are no origination fees or prepayment penalties. The loan term is 15 years, and you'll have the option to make interest-only payments for the first five years. Does that answer your question? |
19eb4798d2514bce87afc991ba721350 | client | 2023-09-08T13:56:24.846153+00:00 | No...that's not what I was told when I took out the loan. I thought it was a variable rate loan. |
19eb4798d2514bce87afc991ba721350 | agent | 2023-09-08T13:56:34.076922+00:00 | I apologize for any confusion, Imogene. I understand how important it is to have all the details straight. Let interest rate for our concessionary loans is actually tied to the prime rate plus a margin, which can fluctuate over time. We do our best to keep our rates competitive, but they can change as on a variety of factors such as economic conditions, inflation concernsations, and monetary policy decisions made by central banks. |
19eb4798d2514bce87afc991ba721350 | client | 2023-09-08T13:57:07.769230+00:00 | Well, that still't sound very stable. I don't know if I'm comfortable with that. Can you give me an example of how much my payments could go up? |
19eb4798d2514bce87afc991ba721350 | agent | 2023-09-08T13:57:20.692307+00:00 | Absolutely, Using me run some numbers real quick. (pause) Based on the current prime rate and margin, your monthly payment would be approximately $826. If the prime rate were to increase by 1%, your payment would go up to around $853 per month. |
19eb4798d2514bce87afc991ba721350 | client | 2023-09-08T13:57:40.538461+00:00 | No...I don't know. This is all really confusing. Can you just send me something in writing that explains everything? |
19eb4798d2514bce87afc991ba721350 | agent | 2023-09-08T13:57:49.307692+00:00 | Of course, Imogene. I completely understand. I'll go ahead and send you a detailed breakdown of our concessionary loan terms via email. You should receive it within the next hour. In the meantime, if you have any more questions or concerns, feel free to reach out to us. We're always here to help. |
19eb4798d2514bce87afc991ba721350 | client | 2023-09-08T13:58:13.769230+00:00 | Okay...thanks, I guess. |
19eb4798d2514bce87afc991ba721350 | agent | 2023-09-08T13:58:15.153845+00:00 | You're welcome, Imogene. Have a great day! |
87ebc4eef5a844e18b6d94231eed5fe2 | agent | 2023-09-14T17:19:48+00:00 | Hello morning, thank you for holding. My name is Felecia with Union Financial. How may I assist you today? |
87ebc4eef5a844e18b6d94231eed5fe2 | client | 2023-09-14T17:19:56.769231+00:00 | Hi Felecia, I'm calling about securing a loan against my investment. I actually called last week and spoke to someone, but I didn't get the information that I needed. |
87ebc4eef5a844e18b6d94231eed5fe2 | agent | 2023-09-14T17:20:10.153846+00:00 | Sorry to hear that you didn't have a good experience with us last week, Tye. I'd be happy to help you with that request today. Can you tell me a little bit more about your investment and what kind of loan you're looking to? That way, I can better understand your situation and provide you with the appropriate options. |
87ebc4eef5a844e18b6d94231eed5fe2 | client | 2023-09-14T17:20:37.384615+00:00 | Sure. Well, I have some stocks and bonds that I've held onto for a while now, and I was hoping to use them as collateral for a personal loan. I need the money to cover some unexpected expenses that came up recently. |
87ebc4eef5a844e18b6d94231eed5fe2 | agent | 2023-09-14T17:20:56.769230+00:00 | Okay, I see. In you thought about using a margin loan? It's a type of loan that allows you to borrow money using your investments as collateral. You can continue to hold onto your investments while still having access to the funds you need. |
87ebc4eef5a844e18b6d94231eed5fe2 | client | 2023-09-14T17:21:17.076922+00:00 | Yes, that sounds interesting. But what are the interest rates and fees associated with this type of loan? IFelecia: Great question! The interest rate for a margin loan varies based on market conditions and your creditworthiness. However, I can tell you that we currently offer competitive rates starting at 6%. As for fees, there is an annual maintenance fee of $50 and a interest rate cap on the borrowed amount. But don't worry, I can walk you through all the details and make sure you understand everything before we proceed. WouldTye: That, that sounds good. Can you also tell me about the process of how long it takes to get approved and receive the funds? |
87ebc4eef5a844e18b6d94231eed5fe2 | agent | 2023-09-14T17:22:10.153845+00:00 | Absolutely! The appro typically takes a few days to a week. We wouldll need to review your financial history and investment portfolio. Once we've approved everything, we'll send you the loan documents to sign, and then the funds will be disbursed to your account. It's a pretty straightforward process. AndTye: That soundss great to hear. Thank you for explaining everything to me, Felecia. I think I'm interested in moving forward with the margin loan. Can you help me get started? |
87ebc4eef5a844e18b6d94231eed5fe2 | agent | 2023-09-14T17:22:47.076922+00:00 | Of course! I'll go ahead and put in an application for the margin loan. I'll also send you an email with all the necessary documents and instructions on how to sign them electronically. And just to confirm, your total loan amount will be $20,000 at an interest rate of 7% annually. Plus, the $50 annual maintenance fee. Does that sound correct to |
87ebc4eef5a844e18b6d94231eed5fe2 | client | 2023-09-14T17:23:15.692307+00:00 | Yes, that's correct. Thank you again, Felecia. I really appreciate your help. |
87ebc4eef5a844e18b6d94231eed5fe2 | agent | 2023-09-14T17:23:21.230769+00:00 | You're welcome, Tye. It was my pleasure to assist you. Is there anything else I can do for you today? |
87ebc4eef5a844e18b6d94231eed5fe2 | client | 2023-09-14T17:23:30.461538+00:00 | No, that's all for now. Thanks again. |
87ebc4eef5a844e18b6d94231eed5fe2 | agent | 2023-09-14T17:23:33.692307+00:00 | Alright, Tye. I'll go ahead and submit your application. You shouldll receive an update via email within the next few days days. If you have any questions or concerns in the meantime, please don't hesitate to reach out to me directly. Thank you for choosing Union Financial, and I hope you have a great day! |
87ebc4eef5a844e18b6d94231eed5fe2 | client | 2023-09-14T17:23:59.076922+00:00 | Thank, Felecia. Have too. |
87ebc4eef5a844e18b6d94231eed5fe2 | agent | 2023-09-14T17:24:00.923076+00:00 | Have a great day, Tye. Bye-bye. |
4677235c66cc41c1a96e3dec087d8c38 | agent | 2023-09-17T08:53:34+00:00 | Hello, thank you for holding. My apologies for the wait. My name is Ansley, and I'll be happy to assist you today. Can you please provide me with your name and account number so I can pull into the issue you're experiencing? |
4677235c66cc41c1a96e3dec087d8c38 | client | 2023-09-17T08:53:53.384615+00:00 | Hi Ansley, my name is Bobby, and my account number is 1234567890. I'm calling because I received an email asking me to verify my personal information, but I'm not sure if it's legitimate. |
4677235c66cc41c1a96e3dec087d8c38 | agent | 2023-09-17T08:54:08.615384+00:00 | I understand your concern, Bobby. Can you tell me more about the email you received? What exactly it said, and did did it ask you to verify your information? |
4677235c66cc41c1a96e3dec087d8c38 | client | 2023-09-17T08:54:21.999999+00:00 | Well, the email said that there was a problem with my account, and that I needed to click on a link and enter my personal information to resolve the issue. But something just didn't seem right, so I wanted to check with you guys before doing anything. |
4677235c66cc41c1a96e3dec087d8c38 | agent | 2023-09-17T08:54:43.692307+00:00 | That's a good idea, Bobby. We appreciate you being cautious. I can assure you that Union Financial will never ask you to verify your personal information via email or text message. It's possible that this is a phishing attempt, and we take these like this very seriously. |
4677235c66cc41c1a96e3dec087d8c38 | client | 2023-09-17T08:55:05.384615+00:00 | Yeah, that's what I thought. So, what should I do now? |
4677235c66cc41c1a96e3dec087d8c38 | agent | 2023-09-17T08:55:10.461538+00:00 | Let me take some look at your account real quick. Can you please confirm the last four digits of your debit card for me? |
4677235c66cc41c1a96e3dec087d8c38 | client | 2023-09-17T08:55:21.538461+00:00 | Sure, they are 5234. |
4677235c66cc41c1a96e3dec087d8c38 | agent | 2023-09-17T08:55:23.384615+00:00 | Greatright, I've verified your account. Since you haven't responded to the email, we'll go ahead and flag it as a phishing attempt. I'll also add a note to your account to keep an eye out for any suspicious activity. Is there anything else I can assist you with today, Bobby? |
4677235c66cc41c1a96e3dec087d8c38 | client | 2023-09-17T08:55:46.461538+00:00 | No, that's all. Thanks for your help, Ansley. |
4677235c66cc41c1a96e3dec087d8c38 | agent | 2023-09-17T08:55:50.153846+00:00 | You're welcome, Bobby. Thank you for bringing this to our attention. And thank you for your patience while I looked into this matter you. Before I end this call, would want to let you know that we value your feedback and would love the opportunity to hear your thoughts on your experience today. Would you be willing to participate in a brief survey after this call? |
4677235c66cc41c1a96e3dec087d8c38 | client | 2023-09-17T08:56:20.615384+00:00 | Sure, that sounds fine. |
4677235c66cc41c1a96e3dec087d8c38 | agent | 2023-09-17T08:56:22.461538+00:00 | Great! I'll go ahead and transfer you to our survey team. They'll only need a few minutes of your time. Thank you again, Bobby, and have a great day. |
4677235c66cc41c1a96e3dec087d8c38 | client | 2023-09-17T08:56:35.846153+00:00 | Thank you, Ansley. Have a great day too! |
4677235c66cc41c1a96e3dec087d8c38 | agent | 2023-09-17T08:56:39.538461+00:00 | Of course! Thank you for choosing Union Financial. We appreciate your business and hope to serve you again soon. Goodbye! |
4677235c66cc41c1a96e3dec087d8c38 | client | 2023-09-17T08:56:48.769230+00:00 | Goodbye! |
97044b70276743d7bf400ca1dccec12d | agent | 2023-09-26T08:16:16+00:00 | Good, thank you for holding Union Financial. My name is Veronica, how may I assist you today? |
97044b70276743d7bf400ca1dccec12d | client | 2023-09-26T08:16:23.846154+00:00 | Hi, I'm calling about the verification of deposit request that I submitted last week. I haven't heard anything yet, and I just wanted to check on the status. |
97044b70276743d7bf400ca1dccec12d | agent | 2023-09-26T08:16:36.769231+00:00 | Of course, An me see if I can help you with that. Can you please provide me with your name and account number so I can locate your request? |
97044b70276743d7bf400ca1dccec12d | client | 2023-09-26T08:16:50.153846+00:00 | Sure, my name is Annetta Johnson, and my account number is 1234567890. |
97044b70276743d7bf400ca1dccec12d | agent | 2023-09-26T08:16:55.692308+00:00 | Great you, Annetta. I'm just going to put you on a quick hold while I check up your information. |
97044b70276743d7bf400ca1dccec12d | agent | 2023-09-26T08:17:04.461539+00:00 | Thank you for holding, Annetta. I apologize for the wait. I've located your request, and it looks like we need a bit more information from you before we can process it. CanAnnetta: Oh, okay. What do you need? |
97044b70276743d7bf400ca1dccec12d | agent | 2023-09-26T08:17:22.000001+00:00 | We need a copy of your driver's license and a utility bill with your current address listed. |
97044b70276743d7bf400ca1dccec12d | client | 2023-09-26T08:17:29.846155+00:00 | Okay, let can fax those over right away. |
97044b70276743d7bf400ca1dccec12d | agent | 2023-09-26T08:17:33.538463+00:00 | Great! Let me give you our fax number, and I'll also send you an email with instructions on how to submit the documents securely. |
97044b70276743d7bf400ca1dccec12d | client | 2023-09-26T08:17:44.615386+00:00 | Sounds good. |
97044b70276743d7bf400ca1dccec12d | agent | 2023-09-26T08:17:45.538463+00:00 | Alright, I've sent the email and fax number to you. Please go ahead and fax the documents over, and I'll keep an eye out for them. |
97044b70276743d7bf400ca1dccec12d | client | 2023-09-26T08:17:57.538463+00:00 | Okay, I'll do that now. |
97044b70276743d7bf400ca1dccec12d | agent | 2023-09-26T08:17:59.846155+00:00 | Great. once I receive the documents, we'll review them and process your request as soon as possible. You should hear back from us within the next 24 hours. |
97044b70276743d7bf400ca1dccec12d | client | 2023-09-26T08:18:12.769232+00:00 | That sounds great, thank you. |
97044b70276743d7bf400ca1dccec12d | agent | 2023-09-26T08:18:15.076924+00:00 | You're welcome, Annetta. Before I let you go, I just want to double-check that everything is correct. Can you please confirm that your name is Annetta Smith and your account number is 1234567890? |
97044b70276743d7bf400ca1dccec12d | client | 2023-09-26T08:18:30.307693+00:00 | Yes, that's correct. |
97044b70276743d7bf400ca1dccec12d | agent | 2023-09-26T08:18:31.692308+00:00 | Perfect. And one to clarify, we'll be processing your request for verification of deposit. Is there anything else I can assist you with today? |
97044b70276743d7bf400ca1dccec12d | client | 2023-09-26T08:18:42.769231+00:00 | No, that's all. Thank you so much, Veronica. |
97044b70276743d7bf400ca1dccec12d | agent | 2023-09-26T08:18:46.461539+00:00 | You're welcome, Annetta. It was my pleasure to assist you. If you have any other questions or concerns in the future, don't hesitate to reach out to us. Have a wonderful day! |
97044b70276743d7bf400ca1dccec12d | client | 2023-09-26T08:19:01.230770+00:00 | Thank, you too. Bye. |
97044b70276743d7bf400ca1dccec12d | agent | 2023-09-26T08:19:03.076924+00:00 | Bye. |
a38a597fcbfd4365b1fb3a2a3291b7cc | agent | 2023-09-08T10:42:57+00:00 | Hello, thank you for calling Union Financial. My name is Lauren, how may I assist you today? |
a38a597fcbfd4365b1fb3a2a3291b7cc | client | 2023-09-08T10:43:04.846154+00:00 | Hi Lauren, my name is Dirk and I'm calling in learning more about your environmental or green banking initiatives. Can you tell me a about that? |
a38a597fcbfd4365b1fb3a2a3291b7cc | agent | 2023-09-08T10:43:16.846154+00:00 | Of course, Dirk. At Union Financial, we take committed to reducing our carbon footprint and promoting sustainability. We have implemented several initiatives aimed at reducing energy consumption, waste reduction, and promoting environmentally responsible practices. |
a38a597fcbfd4365b1fb3a2a3291b7cc | client | 2023-09-08T10:43:32.538462+00:00 | That sounds great! Can you give me some specific examples? |
a38a597fcbfd4365b1fb3a2a3291b7cc | agent | 2023-09-08T10:43:37.153847+00:00 | Sure. for instance, we have replaced traditional lighting with LED bulbs in all our branches, which has significantly reduced our energy consumption. Additionally also encourage our employees to carpool or use public transportation whenever possible. Additionally, we offer ourless statements and online banking options to reduce paper waste. |
a38a597fcbfd4365b1fb3a2a3291b7cc | client | 2023-09-08T10:43:59.307693+00:00 | That's impressive! What about investments in renewable energy sources |
a38a597fcbfd4365b1fb3a2a3291b7cc | agent | 2023-09-08T10:44:03.461539+00:00 | Yes, we have alsoested in renewable energy sources such as solar and wind power. We also offer specialized financing options for businesses and individuals looking to invest in renewable energy projects. |
a38a597fcbfd4365b1fb3a2a3291b7cc | client | 2023-09-08T10:44:17.769231+00:00 | That's great to hear. How do you ensure that your suppliers and partners adhere to similar environmental standards? |
a38a597fcbfd4365b1fb3a2a3291b7cc | agent | 2023-09-08T10:44:26.076923+00:00 | We work closely with our suppliers and partners to ensure that they share our commitment to sustainability. We conduct regular audits and assessments to ensure compliance with environmental environmental policies. |
a38a597fcbfd4365b1fb3a2a3291b7cc | client | 2023-09-08T10:44:39.923077+00:00 | Can you provide any data or statistics on the impact of these initiatives? |
a38a597fcbfd4365b1fb3a2a3291b7cc | agent | 2023-09-08T10:44:45.923077+00:00 | Absolutely. Our efforts have led to a significant reduction in energy consumption and greenhouse gas emissions. In fact, last year alone, we reduced our carbon footprint by 25%. |