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5fa4a69be696493ebdfb01dcfa1409c4 | client | 2023-09-29T16:46:01.769231+00:00 | No, that's all. Thanks you for your help, Penny! |
5fa4a69be696493ebdfb01dcfa1409c4 | agent | 2023-09-29T16:46:05.923077+00:00 | You're welcome, Morgan! It was my pleasure to assist you. Just to summarap, we discussed balance transfer checks and personal loans as options for consolidating your debt. I pre-approved you for a personal loan and sent the paperwork to your email. If you have any questions or concerns, feel free to reach out to me directly. Have a great day! |
5fa4a69be696493ebdfb01dcfa1409c4 | client | 2023-09-29T16:46:33.615385+00:00 | Thanks, Penny. Have a great day. |
5fa4a69be696493ebdfb01dcfa1409c4 | agent | 2023-09-29T16:46:36.384616+00:00 | You too, Morgan. Goodbye! |
5fb2f9ab08d54015b43623a15dacc1c2 | agent | 2023-09-04T08:44:27+00:00 | Thank, thank you for calling Union Financial. My name is Jill, how can I assist you today? |
5fb2f9ab08d54015b43623a15dacc1c2 | client | 2023-09-04T08:44:34.846154+00:00 | Hi Jill, I was hoping to get some clarification on home equity lines of credit, or HELOCs. I |
5fb2f9ab08d54015b43623a15dacc1c2 | agent | 2023-09-04T08:44:43.153846+00:00 | Of course, I'd be happy to help. Can you tell me a little bit more about what you're looking for? Are you considering applying for a HELOC or do you have existing one with us? |
5fb2f9ab08d54015b43623a15dacc1c2 | client | 2023-09-04T08:44:59.307692+00:00 | Yeah, I'm thinking about applying for one. I want to use it to pay off some high-interest debt and do some home renovations. But I'm not really sure how they work or |
5fb2f9ab08d54015b43623a15dacc1c2 | agent | 2023-09-04T08:45:14.076923+00:00 | Sure, I understand. A HELOC is a a line of credit that allows you to borrow against the equity in your home. You can draw on the line of credit as needed, and you only pay interest on the amount you actually use. |
5fb2f9ab08d54015b43623a15dacc1c2 | client | 2023-09-04T08:45:33.923077+00:00 | Okay, that makes sense. So how do I know how much I canify for? |
5fb2f9ab08d54015b43623a15dacc1c2 | agent | 2023-09-04T08:45:40.384615+00:00 | We will need to assess your creditworthiness and the value of your property to determine how much we can lend you. Our underwriting team will review your financial information and provide you with a pre-approval letter stating the amount you're eligible for. |
5fb2f9ab08d54015b43623a15dacc1c2 | client | 2023-09-04T08:45:59.769230+00:00 | Got sounds good. And what kind of interest rates are we talking about? |
5fb2f9ab08d54015b43623a15dacc1c2 | agent | 2023-09-04T08:46:05.769230+00:00 | Our current interest rates for HELOCs range from 4.5% to 7.5%, depending on your credit score and other factors. We also offer a 0.25% discount for automatic payments. |
5fb2f9ab08d54015b43623a15dacc1c2 | client | 2023-09-04T08:46:18.692307+00:00 | That's great. And are there any fees associated with a HELOC? |
5fb2f9ab08d54015b43623a15dacc1c2 | agent | 2023-09-04T08:46:23.769230+00:00 | Yes, there is an origination fee, which ranges from $750 to $1,500, depending on the amount you borrow. There may also be closing costs, which typically range from $1,500 to $3,000. However, we currently have a promotion where we'll cover up to $1,000 of those costs. |
5fb2f9ab08d54015b43623a15dacc1c2 | client | 2023-09-04T08:46:44.999999+00:00 | That's really helpful. And's the process like for applying and getting approved? |
5fb2f9ab08d54015b43623a15dacc1c2 | agent | 2023-09-04T08:46:50.538461+00:00 | It's pretty straightforward. You can apply online or over the phone, whichever you prefer. Once we receive your application, we'll review an appraisal of your property and review your financial information. We usually have a decision within a few days. |
5fb2f9ab08d54015b43623a15dacc1c2 | client | 2023-09-04T08:47:08.999999+00:00 | That sounds easy enough. And what kind of repayment terms do you offer? |
5fb2f9ab08d54015b43623a15dacc1c2 | agent | 2023-09-04T08:47:14.999999+00:00 | We offer various repayment options. You can choose to make interest-only payments during the draw period, which is typically 10 years. After that, the loan convertsortizes over and you'll make both interest and principal payments over the remaining 15 or. the loan term |
5fb2f9ab08d54015b43623a15dacc1c2 | client | 2023-09-04T08:47:34.846153+00:00 | Okay sounds good. I think I'm ready in moving forward with the application process. Can you walk me through that?? |
5fb2f9ab08d54015b43623a15dacc1c2 | agent | 2023-09-04T08:47:44.076922+00:00 | Absolutely. Let me just pull up the application on my end. Can you please confirm your personal information, including your name security number? |
5fb2f9ab08d54015b43623a15dacc1c2 | client | 2023-09-04T08:47:54.692307+00:00 | Sure. |
5fb2f9ab08d54015b43623a15dacc1c2 | agent | 2023-09-04T08:47:55.153845+00:00 | Great. Now, let's go over some details about your property. Can you give me the address, and tell you tell me a little bit about the type of property it is? |
5fb2f9ab08d54015b43623a15dacc1c2 | client | 2023-09-04T08:48:09.461537+00:00 | Sure. It's a single-family home located at [insert address]. |
5fb2f9ab08d54015b43623a15dacc1c2 | agent | 2023-09-04T08:48:13.615383+00:00 | Perfect. And finally, let's talk about how you plan to use the funds. You mentioned using it for debt consolidation and home renovations. Do you have a specific projects in mind? |
5fb2f9ab08d54015b43623a15dacc1c2 | client | 2023-09-04T08:48:27.923075+00:00 | Yes, I want to renovate my kitchen and bathroom, and pay off some credit card debt. |
5fb2f9ab08d54015b43623a15dacc1c2 | agent | 2023-09-04T08:48:35.307690+00:00 | Great. I've got that down. Alright, it looks like we haveve covered everything. Is there anything else you'd like to know before we submit your application? |
5fb2f9ab08d54015b43623a15dacc1c2 | client | 2023-09-04T08:48:47.307690+00:00 | No, I think that covers it. Thanks you so much for your help, Jill. |
5fb2f9ab08d54015b43623a15dacc1c2 | agent | 2023-09-04T08:48:53.769228+00:00 | You're welcome, Kimberley. It was my pleasure. We'll go your application processed as quickly as possible. You can expect to hear back from us within a few days. Thanks again for choosing Union Financial. |
5fb2f9ab08d54015b43623a15dacc1c2 | client | 2023-09-04T08:49:09.461536+00:00 | Thank you. Have a great day! |
5fb2f9ab08d54015b43623a15dacc1c2 | agent | 2023-09-04T08:49:12.230767+00:00 | You too, Kimberley. Bye for now. |
72a6ad578cb246bc8779f5f2949b2d04 | agent | 2023-09-27T13:32:55+00:00 | Good morning, thank you for calling Union Financial. My name is Zadie, how may I assist you today? |
72a6ad578cb246bc8779f5f2949b2d04 | client | 2023-09-27T13:33:03.307692+00:00 | Hi Zadie, I'm calling because I'm having some issues with the payee management system your bill pay service. I'm trying to add a new payee, but it keeps saying that the information I'm entering is incorrect. |
72a6ad578cb246bc8779f5f2949b2d04 | agent | 2023-09-27T13:33:19.923077+00:00 | Sorry to hear that, Ona. Can you tell me a little bit more about what's happening when you try to add the new payee? Are you getting any error messages or is it just not allowing you to save the changes? |
72a6ad578cb246bc8779f5f2949b2d04 | client | 2023-09-27T13:33:38.846154+00:00 | Yeah, every time I try the account number and routing number, it says that it's invalid. But I know I'm entering the correct information because I double-checked it with my bank statement. |
72a6ad578cb246bc8779f5f2949b2d04 | agent | 2023-09-27T13:33:53.615385+00:00 | I see. Have you tried using our different browser or device to see if that makes a difference? Sometimes, certain browsers or devices can cause compatibility issues. |
72a6ad578cb246bc8779f5f2949b2d04 | client | 2023-09-27T13:34:06.076923+00:00 | No, I've tried both Chrome and Safari, and I've also tried using my husband's computer, but nothing seems to work. |
72a6ad578cb246bc8779f5f2949b2d04 | agent | 2023-09-27T13:34:15.307692+00:00 | Okay, let me look into this further for you. Can you please provide me with your account number so I can investigate? |
72a6ad578cb246bc8779f5f2949b2d04 | client | 2023-09-27T13:34:25.461538+00:00 | Sure, it's XXxxxxxx. |
72a6ad578cb246bc8779f5f2949b2d04 | agent | 2023-09-27T13:34:26.846153+00:00 | Thank you, Ona. I'm going to check on this for you. (pause) It looks like there might be an issue with the way our system is reading the account number. routing number. I'm going to escalate this to our technical team and they will get back to you within 24 hours with a resolution. In the meantime, would you like me to set up a temporary solution for you, such as a one-time payment? |
72a6ad578cb246bc8779f5f2949b2d04 | client | 2023-09-27T13:35:00.999999+00:00 | That sounds be great, thank you. But I'm still not sure why I can't add the payee myself. |
72a6ad578cb246bc8779f5f2949b2d04 | agent | 2023-09-27T13:35:09.307691+00:00 | I understand your frustration, Ona. Unfortunately, it's a known issue that we're working to resolve. soon as possible. In the meantime, I apologize for the inconvenience and appreciate your patience. Is there anything else I can assist you with today? |
72a6ad578cb246bc8779f5f2949b2d04 | client | 2023-09-27T13:35:27.769229+00:00 | No, that's all for now. Thank you for your help, Zadie. |
72a6ad578cb246bc8779f5f2949b2d04 | agent | 2023-09-27T13:35:32.846152+00:00 | You're welcome, Ona. Thank you for bringing this to our attention. We value your business and hope to have this resolved for you as soon as possible. Have a great day. |
72a6ad578cb246bc8779f5f2949b2d04 | client | 2023-09-27T13:35:47.153844+00:00 | Thank you, Zadie. Bye for now. |
72a6ad578cb246bc8779f5f2949b2d04 | agent | 2023-09-27T13:35:49.923075+00:00 | Goodbye, Ona. |
918c0317f7c846ac9eab636289a5afa3 | agent | 2023-09-14T17:42:05+00:00 | Hello, thank you for calling Union Financial. My name is Gertrude, how can I assist you today? |
918c0317f7c846ac9eab636289a5afa3 | client | 2023-09-14T17:42:12.846154+00:00 | Hi,trude, I need to adjust my privacy settings. Can you help me with that? |
918c0317f7c846ac9eab636289a5afa3 | agent | 2023-09-14T17:42:19.307692+00:00 | Of course, Samantha. In order to verify your identity, may I have your account number or customer security number, please? |
918c0317f7c846ac9eab636289a5afa3 | client | 2023-09-14T17:42:28.538461+00:00 | Sure... (pauses) I think it's... (gives her account number) |
918c0317f7c846ac9eab636289a5afa3 | agent | 2023-09-14T17:42:32.692307+00:00 | Thank you, Samantha. Now, may I have your full name and address, please? |
918c0317f7c846ac9eab636289a5afa3 | client | 2023-09-14T17:42:38.692307+00:00 | (gives her full name and address) |
918c0317f7c846ac9eab636289a5afa3 | agent | 2023-09-14T17:42:41.461538+00:00 | Great! Now, I'm going to ask you a few questions to further verify your identity. Can you tell me the last time you logged into your online banking account? |
918c0317f7c846ac9eab636289a5afa3 | client | 2023-09-14T17:42:54.846153+00:00 | Uh... letpauses) Let me check... (checkives the date) |
918c0317f7c846ac9eab636289a5afa3 | agent | 2023-09-14T17:42:58.538461+00:00 | Alright, that's correct. And what type the amount of your last transaction? |
918c0317f7c846ac9eab636289a5afa3 | client | 2023-09-14T17:43:04.076923+00:00 | (pauses again) It on... (gives the amount) |
918c0317f7c846ac9eab636289a5afa3 | agent | 2023-09-14T17:43:07.307692+00:00 | Perfect! Now, I'd like to ask you a few more questions to complete the verification process. Can you tell me the mother's maiden name? |
918c0317f7c846ac9eab636289a5afa3 | client | 2023-09-14T17:43:18.384615+00:00 | (pauses once more) Okay... (gives her mother's maiden name) |
918c0317f7c846ac9eab636289a5afa3 | agent | 2023-09-14T17:43:22.538461+00:00 | Greatcellent! Finally, can you confirm your email of birth for me, please? |
918c0317f7c846ac9eab636289a5afa3 | client | 2023-09-14T17:43:28.076923+00:00 | (gives her date of birth) |
918c0317f7c846ac9eab636289a5afa3 | agent | 2023-09-14T17:43:30.384615+00:00 | Great, Sam you for your patience, Samantha. Now've been verified your identity. How can I assist you with adjusting your privacy settings? |
918c0317f7c846ac9eab636289a5afa3 | client | 2023-09-14T17:43:40.538461+00:00 | Well, I want to limit sure that only authorized people can access my account information. Can you walk me through the steps to do that? |
918c0317f7c846ac9eab636289a5afa3 | agent | 2023-09-14T17:43:52.076923+00:00 | Absolutely. First, you'll need to log in to your online banking account. Once, click on the "Settings" tab and select "Privacy." From there, you can choose who can see your account information and adjust other privacy settings as needed. |
918c0317f7c846ac9eab636289a5afa3 | client | 2023-09-14T17:44:10.076923+00:00 | Okay, got it. So, I need to log in and go to Settings, then Privacy? |
918c0317f7c846ac9eab636289a5afa3 | agent | 2023-09-14T17:44:17+00:00 | That's right! And if you have any trouble, feel free to give me a call back and I'll be happy to guide you through the process. |
918c0317f7c846ac9eab636289a5afa3 | client | 2023-09-14T17:44:29+00:00 | Thanks, Gertrude. I think I can handle it from here. |
918c0317f7c846ac9eab636289a5afa3 | agent | 2023-09-14T17:44:33.615385+00:00 | You're welcome, Samantha. Is there anything else I can help you with today? |
918c0317f7c846ac9eab636289a5afa3 | client | 2023-09-14T17:44:39.615385+00:00 | Nope, that's all. Thanks for! |
918c0317f7c846ac9eab636289a5afa3 | agent | 2023-09-14T17:44:41.923077+00:00 | You're welcome. Have a great day, Samantha. |
918c0317f7c846ac9eab636289a5afa3 | client | 2023-09-14T17:44:45.153846+00:00 | You too, Gertrude. Bye! |
918c0317f7c846ac9eab636289a5afa3 | agent | 2023-09-14T17:44:47+00:00 | Bye! ( |
4b431de22a2a4888bd8a68dd4cbc5c42 | agent | 2023-09-29T16:19:25+00:00 | Good morning, thank you for calling Union Financial. My name is Dean, how can I assist you today? |
4b431de22a2a4888bd8a68dd4cbc5c42 | client | 2023-09-29T16:19:33.307692+00:00 | Hi, yeah need to file a notice of bankruptcy. |
4b431de22a2a4888bd8a68dd4cbc5c42 | agent | 2023-09-29T16:19:37.461538+00:00 | Sorry to hear that, Alysa. Can you please verify for just a moment while I verify your identity? |
4b431de22a2a4888bd8a68dd4cbc5c42 | client | 2023-09-29T16:19:45.769230+00:00 | (pause) Fine. My name is Alysa Johnson. My account number is 1234567890. |
4b431de22a2a4888bd8a68dd4cbc5c42 | agent | 2023-09-29T16:19:51.307692+00:00 | Thank you, Alysa. I just need to ask you a few questions to verify your identity. Can you confirm your address? |
4b431de22a2a4888bd8a68dd4cbc5c42 | client | 2023-09-29T16:20:01+00:00 | (sighs) Yes, it's 123 Main Street. |
4b431de22a2a4888bd8a68dd4cbc5c42 | agent | 2023-09-29T16:20:03.769231+00:00 | Great, and can you confirm your date of birth? |
4b431de22a2a4888bd8a68dd4cbc5c42 | client | 2023-09-29T16:20:07.923077+00:00 | (impatience in her voice) Yes, it's February 12th, 1990. Can we just get on with this? |
4b431de22a2a4888bd8a68dd4cbc5c42 | agent | 2023-09-29T16:20:15.307692+00:00 | Of course, Alysa. I apologize for any inconvenience this may have caused. Now, regarding your request to file a notice of bankruptcy, I'm afraid I won't be able to assist you with that. That's actually our legal department handles. |
4b431de22a2a4888bd8a68dd4cbc5c42 | client | 2023-09-29T16:20:33.307692+00:00 | (frustration clear in her voice) What?! Why did I even bother calling then?! |
4b431de22a2a4888bd8a68dd4cbc5c42 | agent | 2023-09-29T16:20:39.307692+00:00 | I understand your frustration, Alysa, but different assure you that our legal department is equipped to handle these types of requests. Would you like me to transfer you over to them now? |
4b431de22a2a4888bd8a68dd4cbc5c42 | client | 2023-09-29T16:20:54.076923+00:00 | (sighs) Fine. YesDean: Great, I'll go ahead and transfer you now Thank you for holding, Alysa. |
4b431de22a2a4888bd8a68dd4cbc5c42 | client | 2023-09-29T16:21:01.461538+00:00 | (on hold for approximately 5 minutes) |
4b431de22a2a4888bd8a68dd4cbc5c42 | agent | 2023-09-29T16:21:04.230769+00:00 | Hello, Alysa? This is Dean from Union Financial. I've transferred you to our legal department. They'll be able to assist you with filing your notice of bankruptcy. |
4b431de22a2a4888bd8a68dd4cbc5c42 | client | 2023-09-29T16:21:16.692307+00:00 | (sighs) Thanks, I guess. |
4b431de22a2a4888bd8a68dd4cbc5c42 | agent | 2023-09-29T16:21:18.538461+00:00 | You're welcome, Alysa. Is there anything else I can assist you with today? |
4b431de22a2a4888bd8a68dd4cbc5c42 | client | 2023-09-29T16:21:24.538461+00:00 | No, that's all. |
4b431de22a2a4888bd8a68dd4cbc5c42 | agent | 2023-09-29T16:21:25.923076+00:00 | Alright then. Have a good day, Alysa. |
4b431de22a2a4888bd8a68dd4cbc5c42 | client | 2023-09-29T16:21:29.153845+00:00 | (hangs up) |
4b431de22a2a4888bd8a68dd4cbc5c42 | agent | 2023-09-29T16:21:30.076922+00:00 | (to himself) Okay, next call. |
215c057f4d3543babd2f1eefcfea11f9 | agent | 2023-09-27T11:51:36+00:00 | Good morning, thank you for holding Union Financial. My name is Jeffrey, how can I assist you today? |
215c057f4d3543babd2f1eefcfea11f9 | client | 2023-09-27T11:51:44.307692+00:00 | Hi Jeffrey, I need to make a wire transfer. Can you help me with that? |
215c057f4d3543babd2f1eefcfea11f9 | agent | 2023-09-27T11:51:51.230769+00:00 | Of course, Dina. Can you please provide me with some more information? Such as the recipient's name, account bank number, and the amount you'd like to transfer? |
215c057f4d3543babd2f1eefcfea11f9 | client | 2023-09-27T11:52:03.692307+00:00 | Sure. The recipient's name is John Smith. His account number is 1234567890. And I'd like to transfer $1000. |
215c057f4d3543babd2f1eefcfea11f9 | agent | 2023-09-27T11:52:11.999999+00:00 | Alright, Dina. I just need to verify a few things before we proceed. Can you please confirm your identity? |
215c057f4d3543babd2f1eefcfea11f9 | client | 2023-09-27T11:52:20.769230+00:00 | Yes, of name is Dina Johnson. My account number is 9876543210. |
215c057f4d3543babd2f1eefcfea11f9 | agent | 2023-09-27T11:52:25.846153+00:00 | Great, Dina. I've located your account. Now, before we process with the wire transfer, I need to inform you that there will be a small fee associated with this transaction. It'll be $25. Is that okay with you? |
215c057f4d3543babd2f1eefcfea11f9 | client | 2023-09-27T11:52:43.384615+00:00 | Uh, I wasn't expecting that. Can you tell me a little bit more about this fee? |
215c057f4d3543babd2f1eefcfea11f9 | agent | 2023-09-27T11:52:50.769230+00:00 | Certainly, Dina. The fee covers the cost of processing the wire transfer. It's a standard charge for this bank, and it's actually quite competitive compared to other financial institutions. |
Subsets and Splits