conversation_id
stringlengths 32
32
| speaker
stringclasses 2
values | date_time
stringlengths 25
32
| text
stringlengths 1
11.1k
⌀ |
|---|---|---|---|
18e9131e9a224f05ad095f7d228cd6c8 | client | 2023-09-27T15:01:50.538462+00:00 | Alright, I appreciate your efforts, Adline. Thank you for your help. |
18e9131e9a224f05ad095f7d228cd6c8 | agent | 2023-09-27T15:01:55.615385+00:00 | You're welcome, Annamae. Is there anything else I can assist you with today? |
18e9131e9a224f05ad095f7d228cd6c8 | client | 2023-09-27T15:02:01.615385+00:00 | No, that's all for now. Thank you again. |
18e9131e9a224f05ad095f7d228cd6c8 | agent | 2023-09-27T15:02:05.307693+00:00 | You're welcome. Have a great day, Annamae. |
fed1c785d8d544148659b26befd23a92 | agent | 2023-09-09T13:35:08+00:00 | Good morning, thank you for holding. My name is Madge and I'm a wealth management advisor with Union Financial. How can I assist you today? |
fed1c785d8d544148659b26befd23a92 | agent | 2023-09-09T13:35:19.538462+00:00 | Of course, Jeraldine. Can you please provide me with your account number so I can access your information? |
fed1c785d8d544148659b26befd23a92 | client | 2023-09-09T13:35:27.846154+00:00 | Sure, it's XXXXXXX. |
fed1c785d8d544148659b26befd23a92 | agent | 2023-09-09T13:35:29.230769+00:00 | Thank you. Now, what specific questions do you have regarding your portfolio? |
fed1c785d8d544148659b26befd23a92 | client | 2023-09-09T13:35:34.769231+00:00 | Well, I noticed that one of my investments has decreased in value significantly. Can you explain why that happened? |
fed1c785d8d544148659b26befd23a92 | agent | 2023-09-09T13:35:43.538462+00:00 | Certainly. The investment you're referring to is a stock that has indeed seen a decline in value over the past quarter. This is due to a few of factors, including market volatility and a downturn in the industry sector. However, it's important to keep in mind that the stock market can be unpredictable, and this always recommend a long-term perspective when it comes to investing. |
fed1c785d8d544148659b26befd23a92 | client | 2023-09-09T13:36:13.538462+00:00 | Okay, that makes sense. But what can I do to minimize my losses? |
fed1c785d8d544148659b26befd23a92 | agent | 2023-09-09T13:36:19.538462+00:00 | There are a few options we could consider. One possibility is to diverslocate some of your funds to a more stable investment, such as bonds or a money market fund. Another option would to doll onto the stock and wait for it to rebound, which it may do over time. We can also explore other investment opportunities that align with your risk tolerance and financial goals. |
fed1c785d8d544148659b26befd23a92 | client | 2023-09-09T13:36:50+00:00 | That sounds good. Can you also explain the fees associated with these different options? |
fed1c785d8d544148659b26befd23a92 | agent | 2023-09-09T13:36:56.461538+00:00 | Absolutely. The fees for reallocating your funds into a different investment will depend on the specific product and the amount you choose to invest. For example, bond fees typically range from 0.5% to 2% perually, while money market funds usually have a small management fee. If you decide to hold onto the stock and wait for it to rebound, there wouldn't be any additional fees associated with that approach. |
fed1c785d8d544148659b26befd23a92 | client | 2023-09-09T13:37:28.307692+00:00 | Okay's helpful. I think I need to do some more research before making a decision. Can you send me some information on the different investment options and their associated fees? |
fed1c785d8d544148659b26befd23a92 | agent | 2023-09-09T13:37:42.153846+00:00 | Yes course, Jeraldine. I'll put together a package of information and send it to you via email. In the meantime, if you have any further questions or concerns, please don't hesitate to reach out to me directly. |
fed1c785d8d544148659b26befd23a92 | client | 2023-09-09T13:37:59.230769+00:00 | Sounds great, thank you Madge. |
fed1c785d8d544148659b26befd23a92 | agent | 2023-09-09T13:38:01.538461+00:00 | You're welcome, Jeraldine. Thank you for choosing Union Financial for your wealth management needs. Is there anything else I can assist you with today? |
fed1c785d8d544148659b26befd23a92 | client | 2023-09-09T13:38:12.615384+00:00 | No, that's all for now. Thanks again. |
fed1c785d8d544148659b26befd23a92 | agent | 2023-09-09T13:38:15.846153+00:00 | You're welcome. Have a great day, Jeraldine. |
fed1c785d8d544148659b26befd23a92 | client | 2023-09-09T13:38:19.076922+00:00 | You too, thanksge. Bye for now. |
fed1c785d8d544148659b26befd23a92 | agent | 2023-09-09T13:38:21.846153+00:00 | Bybye. |
9d218d0329d94de69434e72d11f673e6 | agent | 2023-09-17T14:56:40+00:00 | Hello, thank you for calling Union Financial. My name is Winnifred, how can I assist you today? |
9d218d0329d94de69434e72d11f673e6 | client | 2023-09-17T14:56:47.846154+00:00 | Hi Winnifred, my'm calling because I'd like to set some financial goals for myself. Can you help me with that? |
9d218d0329d94de69434e72d11f673e6 | agent | 2023-09-17T14:56:57.076923+00:00 | Of course, Scarlet! We's great that you're thinking ahead. Before we begin, may I have your full name and account number, please? |
9d218d0329d94de69434e72d11f673e6 | client | 2023-09-17T14:57:07.230769+00:00 | Sure, my name is Scarlet Smith and my account number is 1234567890. |
9d218d0329d94de69434e72d11f673e6 | agent | 2023-09-17T14:57:12.769231+00:00 | Thank you, Scarlet. Now, let's start by discussing what kind of financial goals you have in mind. Are you looking to save for a specific purchase, such as a home or car? Or perhaps you looking to invest for long-term growth? |
9d218d0329d94de69434e72d11f673e6 | client | 2023-09-17T14:57:31.692308+00:00 | Well, I'm actually looking to save up for a down payment on a house. I've been renting for a while now and I'd like like to own my own place. |
9d218d0329d94de69434e72d11f673e6 | agent | 2023-09-17T14:57:45.538462+00:00 | That's a great goal to have! Let's talk about how much you'll need for a down payment and what kind of timeline you're working with. Have you done any research on the current housing market in your area? |
9d218d0329d94de69434e72d11f673e6 | client | 2023-09-17T14:58:03.076924+00:00 | Yeah, I've looked around a bit. From what I've seen, it looks like I'll need at least $20,000 for a down payment. And I'd like to have that amount saved up within the next two years. |
9d218d0329d94de69434e72d11f673e6 | agent | 2023-09-17T14:58:19.692309+00:00 | Okay, that sounds like a good plan. Based on what you've told me, it seems like you'll need to save about $133 per month for the next years to reach your goal. Is that something you think you can manage? |
9d218d0329d94de69434e72d11f673e6 | client | 2023-09-17T14:58:38.153847+00:00 | Hmm, that's a bit more than I was hoping to save each month. But I guess it's doable. Can you help me come up with a plan to make sure I stick to it amount? |
9d218d0329d94de69434e72d11f673e6 | agent | 2023-09-17T14:58:54.307693+00:00 | Absolutely! One option would be to set up an automatic transfer from your checking account to your savings account each month. That way, you'll ensure that you're setting aside the amount you need without having to think about it every month. Would you like me to set that up for you? |
9d218d0329d94de69434e72d11f673e6 | client | 2023-09-17T14:59:17.846155+00:00 | Yes, that would be great. Thank you, Winnifred! |
9d218d0329d94de69434e72d11f673e6 | agent | 2023-09-17T14:59:21.538463+00:00 | You're welcome, Scarlet. Is there anything else I can assist you with today? |
9d218d0329d94de69434e72d11f673e6 | client | 2023-09-17T14:59:27.538463+00:00 | Actually, that's all for now. Thanks again for your help! |
9d218d0329d94de69434e72d11f673e6 | agent | 2023-09-17T14:59:32.153848+00:00 | You're welcome, Scarlet. Have a great day! |
28ca5bd1cb9b4958b83b43ddb7ec93d4 | agent | 2023-09-04T12:42:42+00:00 | Good you for holding, Mr name is Ritchie and I'll be happy to assist you today. Can you please tell me your name and the reason for your call? |
28ca5bd1cb9b4958b83b43ddb7ec93d4 | client | 2023-09-04T12:42:55.384615+00:00 | Hi Ritchie, my name is Ferdinand and I'm calling about Social security benefits planning. IRitchie: Great, thank. I'd be happy to help you with that. Before we begin, can you please verify your identity by providing your last four digits of your social security number? |
28ca5bd1cb9b4958b83b43ddb7ec93d4 | client | 2023-09-04T12:43:16.153846+00:00 | Sure, it's XX-XXXX-XXXX-1234. |
28ca5bd1cb9b4958b83b43ddb7ec93d4 | agent | 2023-09-04T12:43:17.538461+00:00 | Thank you, Ferdinand. I, regarding your question about social security benefits planning, can you tell me a little bit more about what you're looking for? Are you lookinging retirement age or are you looking to understand how your benefits will be affected by a change in your income or employment status? |
28ca5bd1cb9b4958b83b43ddb7ec93d4 | client | 2023-09-04T12:43:41.076923+00:00 | Yes, I'm actually already retired and receiving benefits, but I'm concerned about how my wife's benefits will be affected when she retires in a few years. We're both currently 65 and I want to make sure we're making the most of our benefits. |
28ca5bd1cb9b4958b83b43ddb7ec93d4 | agent | 2023-09-04T12:44:00.923077+00:00 | That's great that you're thinking ahead, Ferdinand! In this case, I can definitely help you understand how your wife's benefits will be affecteded when she retires. Have you considered creating a my Social Security account on the SSA website? This will allow you to view your wife's projected benefits and also give you the ability to estimate your own benefits based on different scenarios. |
28ca5bd1cb9b4958b83b43ddb7ec93d4 | client | 2023-09-04T12:44:30.461539+00:00 | No, I wasn't aware of that. Can you walk me through how to create an account and what information I'll need? |
28ca5bd1cb9b4958b83b43ddb7ec93d4 | agent | 2023-09-04T12:44:40.153847+00:00 | Of course! To create an account, you'll need to go to the SSA website and click on "my Social Security" in the top right corner. From there, you'll be prompted to enter some personal information such as your social security number, date of birth, and mailing address. Once you've completed the registration process, you'll have access to all sorts of useful tools and resources related |
28ca5bd1cb9b4958b83b43ddb7ec93d4 | client | 2023-09-04T12:45:10.153847+00:00 | Okay, that sounds easy enough. But kind of information will I need to provide to estimate our benefits? |
28ca5bd1cb9b4958b83b43ddb7ec93d4 | agent | 2023-09-04T12:45:18.461539+00:00 | You'll need to provide some basic information about yourself and your wife, such as your names, social security numbers, and work history. The website will guide you through a series of questions to help you estimate your benefits. It's important to note that these is just an estimate and and your actual benefits may vary depending on various variety of factors. |
28ca5bd1cb9b4958b83b43ddb7ec93d4 | client | 2023-09-04T12:45:46.615385+00:00 | Alright, I think I understand. What what if I have questions or concerns about our benefits once I've created the account and estimated our benefits? |
28ca5bd1cb9b4958b83b43ddb7ec93d4 | agent | 2023-09-04T12:45:58.153847+00:00 | If you have any further questions or concerns, you can always contact the Social Security Administration directly for reach out to a financial advisor like myself here at Union Financial. We'd be happy to help answer any questions you might have and provide guidance on how to maximize your benefits. |
28ca5bd1cb9b4958b83b43ddb7ec93d4 | client | 2023-09-04T12:46:21.230770+00:00 | That's great to know. Thank you so much for your help, Ritchie. |
28ca5bd1cb9b4958b83b43ddb7ec93d4 | agent | 2023-09-04T12:46:26.769232+00:00 | You're welcome, Ferdinand. Is there anything else I can assist you with today? |
28ca5bd1cb9b4958b83b43ddb7ec93d4 | client | 2023-09-04T12:46:32.769232+00:00 | No, that was all I had. Thanks again! |
28ca5bd1cb9b4958b83b43ddb7ec93d4 | agent | 2023-09-04T12:46:36.461540+00:00 | You're welcome. Just a quick reminder before we end this call, we value your feedback and would appreciate it if you could take a moment to complete a short survey regarding your experience today. Your survey link will be sent to your email address shortly. Thank you for choosing Union Financial, and have a great day! |
28ca5bd1cb9b4958b83b43ddb7ec93d4 | client | 2023-09-04T12:47:02.307694+00:00 | Sounds good, thanks! |
28ca5bd1cb9b4958b83b43ddb7ec93d4 | agent | 2023-09-04T12:47:03.692309+00:00 | Thank you, Ferdinand. Have a great day! |
5885f946177745ffbe577226954165dc | agent | 2023-09-08T10:16:30+00:00 | Hi there this name is Joanna and I'm a wealth management advisor with Union Financial. How can I assist you today? |
5885f946177745ffbe577226954165dc | client | 2023-09-08T10:16:39.692308+00:00 | Hi,anna, thanks for taking my call. I'm calling because I'm considering filing for bankruptcy and I wanted to know if your institution offers any credit counseling services that could help me avoid it. |
5885f946177745ffbe577226954165dc | agent | 2023-09-08T10:16:54.923077+00:00 | Of course, Mary. I understand that can be a difficult time for you. Yes, we do offer credit counseling services here at Union Financial. Our have certified credit counselors on staff who can work with you to create a personalized plan to help you manage your debt and potentially avoid bankruptcy. Would you like me to set up an appointment for you with one of our counselors? |
5885f946177745ffbe577226954165dc | client | 2023-09-08T10:17:25.846154+00:00 | That sounds great, thank you. But before we go any further, can you verify my identity please? I want to make sure that my financial information is secure. |
5885f946177745ffbe577226954165dc | agent | 2023-09-08T10:17:38.769231+00:00 | Absolutely, Mary. I completely understand. Can you please provide me with your full name, address, and date last four digits of your social security number? |
5885f946177745ffbe577226954165dc | client | 2023-09-08T10:17:50.307693+00:00 | Sure, my name is Mary Johnson, my address is 123 Main Street, and the last four digits of my social are 5678. |
5885f946177745ffbe577226954165dc | agent | 2023-09-08T10:18:00.461539+00:00 | Great, thank you for providing that information, Mary. I just need to double checkcheck a few things. (pause) Alright, everything looks good. I'm going to set up an appointment for you with one of our credit counselors. They'll be in touch with you within the next 24 hours to schedule a time that works best for you. In the meantime, is there anything else I can assist you with today? |
5885f946177745ffbe577226954165dc | client | 2023-09-08T10:18:32.769231+00:00 | No, that's all for now. Thank you so much, Joanna. I really appreciate your help. |
5885f946177745ffbe577226954165dc | agent | 2023-09-08T10:18:39.692308+00:00 | You're welcome, Mary. It's no problem at all. I hope our credit counseling services can help you get back on track financially. We you have any other questions or concerns before your appointment, feel't hesitate to reach out to me directly. Have a great day! |
5885f946177745ffbe577226954165dc | client | 2023-09-08T10:19:00.461539+00:00 | Thanks, Joanna. You too. |
5885f946177745ffbe577226954165dc | agent | 2023-09-08T10:19:02.307693+00:00 | (internal dialogue) Okay, I've successfully verified the customer's identity and set up an appointment for them with a credit counselor. The customer seems satisfied with the solution offered and has achieved their goal. I'll make sure to follow up with the creditselor to ensure they're able to help Mary avoid bankruptcy. This interaction was a positive sentiment overall. |
b6c6500a108a48408cce701f0d54e51e | agent | 2023-09-28T14:00:08+00:00 | Good morning, thank you for holding. My name is Birtie, I'm a wealth management advisor with Union Financial. How can I assist you today? |
b6c6500a108a48408cce701f0d54e51e | client | 2023-09-28T14:00:19.076923+00:00 | Hi Birtie, thanks for taking my call. I'm following up on an issue that was supposed to be resolved by your team. I'm looking for property investment advice and I was told that someone from your team would get in to me, but I haven't heard anything yet. |
b6c6500a108a48408cce701f0d54e51e | agent | 2023-09-28T14:00:41.230769+00:00 | Apologies for the delay, Francis. Can you please verify your identity for me? I'll do my best to help you with your inquiry. |
b6c6500a108a48408cce701f0d54e51e | client | 2023-09-28T14:00:51.846154+00:00 | Sure, my name is Francis Chen I have an account with Union Financial. My account number is *******. |
b6c6500a108a48408cce701f0d54e51e | agent | 2023-09-28T14:01:00.153846+00:00 | Thank you, Francis. I just need to double a few more details to ensure I'm speaking with the right person. Can you please provide me with your date of birth and the last four digits of your social security number? |
b6c6500a108a48408cce701f0d54e51e | client | 2023-09-28T14:01:18.615384+00:00 | Uh, sure. My date of birth is ******* and the last four digits of my social are *******. |
b6c6500a108a48408cce701f0d54e51e | agent | 2023-09-28T14:01:26.923076+00:00 | Great, thank you for providing that information, Francis. Now, regarding your request for property investment advice, can you tell me a bit more about what you're looking for? Are you interested in investing in a specific type of property or location? And what is your budget for this investment? |
b6c6500a108a48408cce701f0d54e51e | client | 2023-09-28T14:01:49.538461+00:00 | Well, I'm actually looking too sure. That's why I was hoping someone from your team could give me some guidance. I've heard that real estate can be a good investment, but I don't know where to start or what to look for. And my budget is around $50,00. |
b6c6500a108a48408cce701f0d54e51e | agent | 2023-09-28T14:02:11.692307+00:00 | Understood, Francis. Based on your budget and interest in real estate, have you considered investing in a real estate investment trust (REIT)? REITs allow individuals to invest in a diversified portfolio of properties without directly owning physical properties. They can provide a steady stream of income and have the potential for long-term capital appreciation. |
b6c6500a108a48408cce701f0d54e51e | client | 2023-09-28T14:02:36.615384+00:00 | Hmm, that sounds interesting. But how do I know which REITs are good investments? |
b6c6500a108a48408cce701f0d54e51e | agent | 2023-09-28T14:02:43.076922+00:00 | That's a great question, Francis. Our team can experts can help you evaluate different REITs and make recommendations based on your investment goals and risk tolerance. We also have a list of resources and tools available to help you make informed decisions about your investments. Would you like me to schedule a consultation with one of our financial advisors to discuss this further? |
b6c6500a108a48408cce701f0d54e51e | client | 2023-09-28T14:03:12.153845+00:00 | Yes, that would be great. Thank you, Birtie. |
b6c6500a108a48408cce701f0d54e51e | agent | 2023-09-28T14:03:15.846153+00:00 | You're welcome, Francis. I'll go ahead and schedule that consultation for you. In the meantime, I'll also make sure to follow up with our team to ensure that your issue is resolved as soon as possible. Is there anything else I can assist you with today? |
b6c6500a108a48408cce701f0d54e51e | client | 2023-09-28T14:03:37.076922+00:00 | No, that's all for now. Thanks again, Birtie. |
b6c6500a108a48408cce701f0d54e51e | agent | 2023-09-28T14:03:40.769230+00:00 | You're welcome, Francis. Have a great day and |
de2fa6abd6ac418ea17b23fc5e7367a5 | agent | 2023-09-09T12:36:08+00:00 | Hello morning, thank you for calling Union Financial. My name is Novella, I can I assist you today? |
de2fa6abd6ac418ea17b23fc5e7367a5 | agent | 2023-09-09T12:36:16.307692+00:00 | Of course, I understand this can be a difficult time. Can you please provide me with your account number so I can access your information and better assist you? |
de2fa6abd6ac418ea17b23fc5e7367a5 | client | 2023-09-09T12:36:29.692307+00:00 | Yeah, it's *******. |
de2fa6abd6ac418ea17b23fc5e7367a5 | agent | 2023-09-09T12:36:31.076922+00:00 | Thank you, Candis. Now, regarding's discuss the financial aspects of your divorce. Have you and your spouse already divided to an agreement on asset division? |
de2fa6abd6ac418ea17b23fc5e7367a5 | client | 2023-09-09T12:36:42.615384+00:00 | No, we haven't. We're still working on that. But I want to make sure I understand everything before we finalize anything. |
de2fa6abd6ac418ea17b23fc5e7367a5 | agent | 2023-09-09T12:36:52.307692+00:00 | Thatsolutely. it's important to have a clear understanding of the financial impact. of Let's start with your assets. What do you currently have in terms of savings, investments, and property? |
de2fa6abd6ac418ea17b23fc5e7367a5 | client | 2023-09-09T12:37:06.153846+00:00 | Well, we have a joint savings account, two few investments, and our home. |
de2fa6abd6ac418ea17b23fc5e7367a5 | agent | 2023-09-09T12:37:12.153846+00:00 | Okay, those are all significant factors to consider. How much debts? Do you have any outstanding loans or credit card balances? |
de2fa6abd6ac418ea17b23fc5e7367a5 | client | 2023-09-09T12:37:21.846154+00:00 | Yes, we have a mortgage on our home and some credit card debt. |
de2fa6abd6ac418ea17b23fc5e7367a5 | agent | 2023-09-09T12:37:27.846154+00:00 | Alright, that's helpful to know. In, let you considered how you'll split these assets and debts between you and your spouse? |
de2fa6abd6ac418ea17b23fc5e7367a5 | client | 2023-09-09T12:37:37.538462+00:00 | Not really, that's why I'm calling. I'm not sure what mys fair or what my rights are. |
de2fa6abd6ac418ea17b23fc5e7367a5 | agent | 2023-09-09T12:37:45.384616+00:00 | I see. Well, it's important to keep that divorce can be a complex process, and it mays always best to consult with a lawyer to ensure your rights are protected. However, I can offer some general guidance on the financial aspects. |
de2fa6abd6ac418ea17b23fc5e7367a5 | client | 2023-09-09T12:38:04.307693+00:00 | Okay would be great, thank you. |
de2fa6abd6ac418ea17b23fc5e7367a5 | agent | 2023-09-09T12:38:07.076924+00:00 | Sure. So, typically, assets acquired during the marriage are considered marital property and are subject equitably between both parties. This means that each person will receive roughly half of the total value of the assets. However, this can vary depending on individual circumstances. |
de2fa6abd6ac418ea17b23fc5e7367a5 | client | 2023-09-09T12:38:26.923078+00:00 | Okay, that makes sense. But what about debts? Who's responsible for paying those off? |
de2fa6abd6ac418ea17b23fc5e7367a5 | agent | 2023-09-09T12:38:33.384616+00:00 | Debts are typically divided equally as well, but again, it depends on the specific circumstances. For example, if one person has a higher income, they may be responsible for a larger portion of the debt. |
de2fa6abd6ac418ea17b23fc5e7367a5 | client | 2023-09-09T12:38:49.538462+00:00 | That seems unfair. I don't want to be stuck with a the debt. |
de2fa6abd6ac418ea17b23fc5e7367a5 | agent | 2023-09-09T12:38:55.538462+00:00 | I understand your concerns, Candis. However's important to remember in mind that the goal of asset division is to distribute assets and debts fairly and equitably. It ultimately, the decision will be up to you and your spouse to come to an agreement that works for both of you. |
de2fa6abd6ac418ea17b23fc5e7367a5 | client | 2023-09-09T12:39:18.153847+00:00 | Yeah, I guess so. But what if we can't agree? |