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verify_source_of_funds | Uh, hi, hello. My name is ***. So, I, um, I got this, uh, notification from you guys about needing to, uh, verify the source of my funds or, um, something like that. I, um, I'm not sure what that really means, to be honest.
I, uh, I mean, I just got a large amount of...of money transferred into my account, yes. It was from, um, it was from my dad. He, um, he sold his property back in *** and he, um, he wanted to help me with my home's downpayment.
But, um, I didn't know that, um, you know, I would have to prove where it came from. So, uh, what exactly do I...uh, what do I have to do to, um, verify the source of the funds?
Oh, okay. So, um, do I need to get a, um, a statement from my dad's bank or, uh, something like that?
Uh, so, I just want to clarify, uh, so what you're saying is that, um, I have to get a letter from my dad explaining that he, um, he transferred this money to me and, uh, where it came from, right?
Alright, um, my other question is, uh, how long does this process usually, uh, take? I mean, I don't want any, uh, problems with my account or, um, anything like that.
Also, um, is there, uh, any specific format for the letter, um, that my dad has to provide? I mean, uh, he's a bit old-school, so, um, I want to make sure that, um, he does it right.
And, uh, just to, um, confirm, I have to, um, bring the letter to one of your, um, branches, right? Or, um, can I email it?
Alright, um, thank you for, um, explaining everything. I'll, um, I'll get the letter from my dad and, um, I'll bring it to the branch. Thank you. |
verify_source_of_funds | Uh, hello, uh, good morning. Uhm, I'm calling because I, uh, I have a bit of a problem with my account. My name is ***. I've been a customer with your bank for, well, for quite a while now.
So, the issue is, I've recently received a, uh, notification from you folks, stating that I need to verify the source of my funds. Uh, to be honest, I'm a bit confused about this. I mean, I've been depositing money into my account for years and I've never had to do this before.
Uh, so, I, I'm just wondering what exactly it is that you need from me. Like, what kind of documents do I need to provide? And where do I send them? I mean, I'm not too handy with all this, uh, online stuff, so if there's a way I can just bring them into a branch, that would be, uh, that would be a lot easier for me.
Oh, and also, uh, how long do I have to provide these documents? I wouldn't want my account to be, uh, frozen or anything because I didn't get them to you in time. I have some bills that are due soon, you see.
And, uh, just one more thing. I, uh, I noticed that the deposits in question are from my retirement pension and, uh, an inheritance I received. I mean, these are all legitimate funds. I just don’t understand why I need to verify them.
So, yeah, if you could just help me understand this process a little better, that would be, uh, that would be great. |
verify_source_of_funds | Uh, hello there, um, I'm calling because I've got this, um, notification from you guys, from my, uh, online banking, I mean. It's about some sort of, you know, source of funds verification? I mean, I've been with you guys for, like, a long time, and I've never had to do this before, so I'm, uh, a bit confused.
Yeah, the message says something about needing to, uh, verify the source of my funds. It's for my savings account, the one ending in ****. I mean, I'm not really sure what, um, you guys need from me exactly.
Yes, most of the money I put there is from my, uh, main job. I'm a *** employee and I've been with them for, uh, over a decade now. I just, you know, transfer a portion of my paycheck to this account every month. But, um, there are also, uh, occasional deposits from other sources. Like for example, my part-time job, and, uh, sometimes I get some freelance work, you know.
Oh, and, uh, there was this one-time large deposit last year, from, um, an inheritance. My aunt, um, left me some money when she passed away. But, uh, I'm not really sure why this is, um, suddenly an issue? I've, uh, been doing this for years.
And, uh, how exactly am I supposed to, um, verify this stuff? I mean, I can provide, uh, pay slips from my job, and, um, I do have the, uh, paperwork from the inheritance. But, uh, I'm just not sure what you guys need. I'm, uh, really hoping you can help me, uh, resolve this. |
verify_source_of_funds | Hello, uh, good morning, I guess. My name is John. I, uh, have this issue that, um, I need to discuss with you. It's about my account. I, uh, recently made a pretty large deposit into my account. It was a, um, inheritance from my uncle. So, uh, now I'm having a bit of a problem. See, I was trying to, uh, make a transaction online yesterday and it, um, it got declined. The, uh, error message said something about, um, verifying the source of funds. I, uh, I'm not quite sure what that means.
Yes, the account number is ***. That's correct. I, uh, I did bring in the paperwork from the lawyer showing that the money was, uh, legitimately mine. It was, um, a legal inheritance. I, uh, I don't understand why there's a problem now. I've been banking with you guys for years now and, uh, I've never had this problem before.
Yes, that's correct. The deposit was made last, um, last Tuesday. No, I, uh, I didn't make any other large deposits recently. Just this one from the inheritance. Uh, the paperwork should be there in my file. It was, um, a letter from my uncle's lawyer. I, uh, I also have a copy here with me.
I see. So, I need to, uh, submit some kind of form to verify the source of funds? Okay, uh, can you tell me how I can do that? I, um, I really need to get this resolved. I have bills to pay and, uh, I need to be able to access my money.
Okay, uh, can I submit the form online? Or do I have to come into the branch? And, uh, how long does this process typically take? I, um, I just want to make sure this gets resolved as quickly as possible. Thank you. |
verify_source_of_funds | Uh, hello... Yes, this is *** speaking. I'm calling because I've encountered a bit of a problem with my account. You see, you've been asking me to verify my sources of funds, but I'm not exactly sure how to do that.
I mean, I've been with this bank for years, and I've never had to do this before. I know it's important, yeah, to ensure everything is legit and all, but, um, could you help me understand what documents I need exactly?
Yeah, most of my income comes from my salary and occasional bonuses. But I've also recently inherited some money from my late uncle, and I deposited that into my account too. Do I need to, uh, verify that as well?
And, uh, what about the money I get from my rental properties? I have a couple of tenants who deposit their rent directly into my account. Is there a way to, um, verify that as well?
Oh, and I also had a savings account that I recently closed with another bank and transferred those funds to my account here. Do I need to provide any documents for that too?
Hmm, also, sometimes I do some freelance work on the side and those payments also go straight into my account. Should I provide invoices for these or something?
I'm just, just a little confused about this whole process of verifying sources of funds. I want to make sure I do everything correctly to avoid any issues with my banking services. It's just a bit overwhelming, you know, all these documents and all.
I appreciate your help. I just need a clearer understanding of what's needed from my end. I'll do my best to provide all the necessary documents as soon as possible. Thank you. |
apr_inquiry | Um, hi, good morning. My name is Jane...Jane Doe. Uh, I hope you're doing well. So, I've been a loyal customer of your bank for, um, quite a number of years now and, um, I've always had, you know, a pretty good experience...
But, um, recently I've come across an issue...um, it's regarding my credit card. I've been looking at my statements and I noticed that my APR, um, has increased without any prior notice. The last time I checked it was, uh, well, somewhat lower and, um, now it's significantly higher.
I, uh, I'm not exactly sure why this happened. I've always been, um, you know, punctual with my payments and I've never, uh, missed a deadline. So, um, I'm a bit confused here... and, uh, well, a bit worried too.
I was hoping you could, um, you know, shed some light on this issue for me. I'm particularly interested in, um, knowing why this has happened and, uh, how I can, um, well, prevent this from happening in the future. Is there something I can do to, um, lower the APR?
My credit card number? Sure. It’s ***. And, um, my date of birth is the ***. Oh, and the last four digits of my SSN are ***.
So, um, any information you could provide would be, uh, really helpful. I just want to, um, make sure I understand everything clearly about my, um, credit card APR. It's just a bit, uh, overwhelming, you know?
I also wanted to know if, um, there are any other fees or, um, charges that I should be aware of. You know, I just want to, um, ensure I'm not caught off guard again. I appreciate your help with this. |
apr_inquiry | Uh, hi there, um, my name is John ***. I'm calling, um, because I have a question about my, uh, credit card account. Um, I recently received my, uh, monthly statement and, um, I noticed that the APR seemed a bit, um, higher than I was expecting it to be.
Um, I could've sworn, uh, when I, um, first signed up for the card that the APR was supposed to be, um, lower than it is now. Uh, it's really important to me, um, because, uh, with my current budget, um, every penny counts, y'know?
Um, I also went through, um, all my previous statements, um, just to double-check, um, and, uh, it definitely seems like it has increased. And, um, I don't recall receiving, uh, any notification about, um, an increase in the APR.
So, um, I was wondering if you could, um, maybe look into this for me? Uh, I'd really appreciate, um, any help you could, uh, give me in understanding why my APR has changed. Uh, I was, um, hoping to use this card for some, um, big purchases in the future, um, but I need to, um, understand the, um, terms better before I do that.
Oh, and, um, if there's any way to, um, lower the APR, um, I'd really appreciate knowing about, um, that too. Uh, any help, um, would be greatly appreciated. Um, thank you. |
apr_inquiry | Uh, hello? Yeah, hi there. I'm just, um, calling in because I've got a, uh, question about my, um, APR. Name's ***, by the way. Well, see, I got a, um, statement in the mail the other day and, uh, the APR, it's, uh, it's higher than I, uh, than I thought it would be. Yeah, I've got the, um, statement right here. It says the APR is, uh, *** percent. But, um, I thought it was supposed to be, uh, lower than that.
I mean, the, uh, initial contract that, um, that I received when I opened the account, it, um, it listed the APR as, um, *** percent. So, um, I'm just, uh, a bit confused about why it's, um, higher on the statement. I mean, um, I haven't missed any, um, any payments or anything. And, I've been, um, pretty consistent with my, uh, my spending.
So, um, I'm just, uh, not sure why there's been, um, an increase. Is there, um, something I might've missed? Or, um, some sort of, um, condition that I overlooked? No, no, I, uh, I didn't get any, um, notification about the rate change. At least, um, nothing that I, uh, that I saw. Could you, um, could you help me understand this? I mean, I, uh, I don't want to be, um, paying more interest than I, um, than I have to, you know? |
apr_inquiry | Uh, hi there, yeah, I-I'm calling because I, um, have a bit of a question about my, um, my APR. You see, I got this, um, this letter in the mail, y'know, from you guys, and it's saying that my APR has gone up. It's, uh, it's a bit confusing because I, uh, I thought my APR was fixed, y'know? Um, I mean, I've been with the bank for, uh, for quite a few years now and it's, um, it's never changed before. So, I'm, uh, I'm just trying to, y'know, understand why it's changed now.
Yeah, so, it's the APR on my, um, my *** credit card. That's the one. The letter, it, um, it doesn't really give me a reason, y'know, for the increase. It just, uh, says that it's gone up. I've been, um, I've been making my payments on time, y'know, never missed one. So, it's, um, it's a bit frustrating, y'know?
Uh, I also wanted to ask, um, if it's, uh, if it's possible to, y'know, get it lowered again. I mean, I've been a good customer, right? Never missed a payment, always paid more than the minimum. Uh, so, is it, uh, is it possible? Can you guys, um, look into that for me?
Also, uh, could you explain to me, um, how the APR works exactly? I mean, I, uh, I thought I understood it but, uh, now I'm not so sure. Does it, um, does it always stay the same or can it, um, can it change like this? And, um, if it can change, uh, what are the, um, the factors that can, um, cause it to change?
I'd really, um, I'd really appreciate any help you could give me with this. Just trying to, y'know, understand it all. Thanks. |
apr_inquiry | Uh, hi there. Yes, my name is John ***. Thanks for taking my call. Um, I was just going over my, uh, monthly bank statement, and I noticed something, um, a bit confusing. I've been seeing this, uh, term, APR, and, ah, it's been popping up on my credit card statement. I must admit, I'm really not sure, um, what it means or how it's, uh, affecting my account.
Yeah, um, I've been using this credit card for a while now, um, but I've never really paid much attention to this APR thing before. I'm trying to, um, get a better handle on my finances, you know, and I thought it would be a good idea to, um, understand every aspect of my credit card usage, including this, uh, APR.
Uh, I also noticed that the APR seems to have changed since my last statement, and I, um, I'm not sure why. I don't, uh, recall being informed about any changes. I'm wondering if it, um, if it is something that is supposed to fluctuate like this, or if there is a, um, an issue with my account.
And, ah, another thing, I've been making payments on time, um, I always try to pay more than the minimum, and I'm curious, um, if this affects the APR in any way.
Um, and lastly, uh, I was wondering if there's a way to, um, lower my APR, or if it's just a fixed rate that I have to, uh, deal with. I'm trying to, um, save money where I can, and if there's a possibility to, uh, reduce this rate, I'd really like to know.
So, um, yeah, that's about it. I really appreciate your help in, uh, explaining this to me. As I mentioned, I'm trying to, ah, become more financially literate and I think understanding this APR thing is a, um, good starting point. Thanks! |
auto_loan_process | Uh, hello there. I, um, I have a few, uh, questions about your, uh, auto loan process. You see, I'm thinking about, um, buying a new car – a used one, actually – and I, um, I've never taken out a, uh, loan before, so, um, I'm not really sure where to start.
Yes, uh, I've been a customer with your bank for a, um, pretty long time. Got my checking account, um, my savings, and a, uh, credit card with you guys. So, um, I was hoping to, uh, get the loan through you as well. I mean, uh, I'd prefer to keep everything in, um, one place if I can.
Uh, so, yeah, I was wondering, um, what is the, uh, process for applying for an, uh, auto loan? And, um, what kind of, uh, documentation would I need to provide? And, um, I know my, um, credit score is ***. Would that, uh, affect the, um, loan terms?
Uh, another thing, um, I'm also a bit, um, confused about the, uh, interest rates. I mean, uh, how do you, um, determine what rate I'd, uh, get? And, um, is there any, uh, way I could, um, lower the rate? I've heard about, um, rate discounts for, uh, automatic payments. Is that, um, something you offer as well?
And, uh, what about the, um, repayment terms? Can I, um, choose how long I want to, um, pay the loan back? I mean, um, I've heard some banks offer, um, longer terms for, uh, more expensive vehicles. Is that, um, the case with you guys too?
Finally, um, I would like to know, um, what happens after I, um, apply? How long does it, um, take to, uh, get a response? And, um, if approved, how soon can I, um, receive the funds?
I, uh, think that’s all my, uh, questions for now. I'm just, um, trying to get a, uh, clear understanding of everything before I, um, make a decision. So, um, any information you could, um, provide would be really, um, helpful. Thanks. |
auto_loan_process | Uh, hello, um, hi there. Uh, my name is ***. I've, um, I've got an auto loan with your, um, your bank. Yeah, I've been your customer for, um, quite some time now.
Um, see, I'm having a, a little bit of an issue. I, um, I've been trying to, uh, to make a payment on my auto loan. Um, I've been trying to do it online, you know, on your, your website. But, uh, but it's not really, um, it's not really going through.
I mean, I've, I've done this before, you know? I've, um, I've made payments online. But this time, for some reason, uh, it's just not, um, it's just not working. And, um, I've got this, this error message that keeps popping up. And, um, I don't really understand what it, what it means.
Yeah, it's, um, it's saying something about, um, a processing error. And, um, it's got this error code - ***. I, um, I've tried googling it, but, um, but I can't seem to find, um, any helpful information about it.
And, um, I'm, I'm getting a bit, um, a bit worried now 'cause, um, my payment is due soon and, um, I really don't want to, um, to miss it, you know. It's, um, it's important to me to, um, to keep up with my payments and, um, maintain a good, um, credit score, you know?
So, um, I was hoping you might be able to, um, to help me with this. Maybe, um, maybe you could walk me through the, um, the payment process again? Or, um, maybe there's a, a different way I can make my payment?
Uh, I'm just, um, I'm just really hoping we can, um, can sort this out, you know? I just, um, I just really want to get this payment, um, taken care of. |
auto_loan_process | Uh, hi, hello. My name is ***. I'm, uh, calling about a bit of an issue I'm having with my auto loan. I mean, I've been with this bank for a while and I've never had to deal with something like this before. So, it's a bit confusing to me, you know?
I recently, uh, took out an auto loan for a new car, right? And, uh, I thought everything was going fine. I mean, the process was a bit complicated, but I thought I had it all figured out. But now, there's some stuff happening that I don't quite understand.
First, I noticed that the, uh, the amount of interest being charged on my loan seems higher than what I thought it would be. It's like, I was under the impression that my interest rate was supposed to be ***, but the statement I received in the mail is showing something different. It's a bit higher than what I was expecting. So, that's, uh, that's the first thing.
Then, there's also this other charge that I noticed on my statement that I can't, um, can't figure out. It's labeled as a...uh, a processing fee or something. But I don't remember anyone telling me about any additional fees when I was taking out the loan. I mean, I would have remembered something like that, wouldn't I?
And finally, I'm a bit confused about the payment schedule. I thought I was supposed to make monthly payments, but the statement is showing a different schedule. It's, um, more frequent than that.
So, yeah, that's about it. I'm sorry, I know it's a bit much. I'm just really confused and I want to make sure I'm not being overcharged, you know? I'm hoping you could help me understand all this. |
auto_loan_process | Uh, hi, good day. My name is *** and I, um, I have an account with your bank. I've been banking with you for quite a while now and I'm usually pretty happy with the service. However, I'm having some, uh, issues with the auto loan process. I applied for an auto loan about two weeks ago, but I haven't, um, I haven't received any updates yet.
I filled out all the necessary forms online... at least, I think I did. I followed the instructions on your website. But when I log into my account, I don't see any, um, any updates on the status of my application. It's a bit frustrating to be honest. I've been trying to, um, purchase a car from a dealer and they're waiting on me to secure the funding.
Also, I'm not sure if I, uh, if I qualify for the zero-interest rate offer that was advertised on your website. My credit score is ***, and I have a stable job... um, I've been working at *** for over five years now. So, I think I should be eligible, right?
I also had, um, a question about the loan repayment terms. The terms were a bit unclear on the website. I don't want to end up with a loan that's going to, uh, put me in a tough financial situation. I tried to call earlier, but the wait time was too long. I hope we can, um, sort this out now.
Lastly, I'd like to know if there's a possibility of getting pre-approved for future auto loans. I mean, if my current application goes through, I'll probably, um, need another loan in a few years. I'd like to stay ahead of the game, you know? Thank you. |
auto_loan_process | Uh, hey, good morning. My name's... um, it's ***. I hope you're doing well. I, uh, I got this auto loan from your bank a couple of months ago. I, um, I think I have a bit of a problem with it.
No, no, it's not the loan itself, it's the, uh... the process. Yeah, that's what it is, the process. You see, when I applied for the loan, I was told that the, uh, the monthly payments would be automatically deducted from my account. Uh, from my checking account, right? But, uh, it appears that, uh, this hasn't been happening.
Yeah, yeah, I checked my account balance and the payments, they're not being deducted, which is strange 'cause I, uh, I filled out some forms and stuff when I got the loan. Um, and from what I recall, those forms were for setting up automatic payments. So, um, I'm kinda confused and worried that I'm, uh, missing payments or something?
Uh, and another thing, the, uh, the online banking portal. I'm having a bit of trouble with that too. Like, I, um, I can't seem to find the, um, the loan details on there. It's a bit hard to navigate, you know? All I see is my, uh, account balance and stuff, but nothing about the loan.
Oh, and one more thing. I, um, I remember getting a letter or something about, um, about a rate change? But there wasn't any, uh, detailed explanation about it. So, uh, can you tell me more about that?
I guess what I'm trying to say is... I'm a bit lost with all of this, you know? I mean, I just want to make sure I'm not going to end up in... in some kind of trouble 'cause the payment isn't being done right, or 'cause I'm not understanding something about the rate. So, uh, can you help me sort this out? |
credit_check_inquiry | Uh, hello there, um, I'm calling... um, my name is *** and I'm calling about something on my account... uhh, it's, you know, it's related to a credit check. Yeah, so umm, I was going through my online banking, and, ah, I noticed that there's a credit check on my account that I didn't authorize.
Yes, I'm, uh, I'm pretty sure that I didn't, uh, give any permission for this... um, and I'm not... um, not sure where it's come from. Um... it's a hard inquiry, you see. So, um, you know, it could impact my credit score, and, um, I'm really trying to, you know, keep it as high as possible.
Yeah, I, uh, I checked it last night. And, um, I was quite, uh, surprised to see it. I, um, I didn't apply for any credit card or loan, um, recently. I've been, uh, been very careful about, uh, you know, my financial activities lately.
Uh, yes, the credit check is, um, it's listed under a company name that I don't, uh, recognize. I mean, I've never, uh, dealt with them before, so, um, I'm worried that it might be, um, some kind of mistake.
So, um, I'd really appreciate it if you could, um, look into this for me? And, um, let me know how to, uh, dispute it if it's, um, not legitimate? Yeah, I, uh, I just want to make sure that, um, my credit score isn't being, um, affected by something I didn't, um, didn't do.
Oh, and, um, while you're looking at it, could you, um, check if there are any other, um, unusual activities on my account? I mean, I'd like to, um, make sure everything is, um, as it should be. Thanks. |
credit_check_inquiry | Uh, hi there. This is, erm, this is ***. I hope you're doing well today. I, uh, I have a bit of a problem. I'm a bit confused about something, you see. My bank account, uh, it shows a recent credit check that, um, I didn't authorize. Yeah, it's got me a little worried, you know?
Yeah, that's right, it's a credit check. I'm pretty sure I didn't authorize any such thing. I'm just, um, I'm just not sure how it got on my account, you know? I mean, I've been, uh, very careful with my personal information and all, so, I just don't understand how this could've happened. I mean, could it be a mistake or something?
Um, I did recently apply for a new credit card with you guys, but I was, uh, told explicitly that there wouldn't be any hard inquiries on my credit report. And now, uh, there's this credit check and it's, um, it's kinda affecting my credit score, which, uh, is not something I can afford right now.
It's, um, it's showing up in my online banking, yeah, right there in the activity log. The date of the check is, um, ***. I didn't authorize anything on that date, for sure. I mean, uh, I've been with your bank for a long time now, and this is the first time I've encountered something like this.
I mean, uh, I'd really appreciate it if you can help me out with this. I need to, uh, understand what happened here and how we can, uh, resolve this matter. I certainly can't afford to have this on my credit report, you know? I've worked hard to maintain my credit score, and this is just, um, throwing a wrench in the works. So, yeah, any help you could provide would be, uh, really appreciated. Thanks. |
credit_check_inquiry | Uh, hello there. So, uh, I was just checking my, um, online banking account and I, um, I noticed a credit check on my, uh, account that I, um, I don't remember authorizing. Yes, it's ***. Uh, the date of the, um, the credit check was on the, um, 15th, the 15th of last month. Yeah.
I, uh, I mean I'm not, um, I'm not entirely sure what, um, what this is about. I, uh, I've not applied for, um, any, um, new credit or loans recently and, uh, I'm just, um, well, I'm just a bit, um, a bit concerned about this.
Yes, I've been, um, I've been with you guys for, um, quite some time now, uh, and I, um, I've never seen anything like this before. So, um, I just want to, um, to understand why, um, why this credit check, um, happened without, um, without my knowledge or, or approval.
Uh, I also, um, I also want to know how, um, this might affect my, uh, my credit score. I've been, um, been working hard on, um, on maintaining a good score and, um, I'd hate if this has, um, has negatively impacted it.
Um, is there, uh, is there any way you could, um, look into this for me? I'd really, um, appreciate it. I just, um, just want to make sure everything's, um, everything's alright with my, um, my account. Thank you. |
credit_check_inquiry | Uh, hi, um, hello there. My name is ***. I'm, uh, calling in regard to, um, a little bit of a concern I have with my, um, my bank account. You see, uh, I was going through my, um, my recent transactions and I, uh, noticed a, um, a credit check on my account. I, um, I didn't, uh, authorize any credit checks, so I, uh, I'm a little confused here.
Um, yeah, so, uh, I was just, um, just doing my usual check of, uh, my banking activity and, um, there it was. A, um, a credit check. Just, uh, just right there, out of the blue. I, uh, I haven't applied for any new credit cards or, um, any loans or anything, so I really, um, really don't understand why this, um, this check would be on there.
Um, I'm, um, I'm not sure if, um, if this is a mistake or, um, if someone's maybe, um, using my information without my, um, my consent. I, um, I've heard of, uh, identity theft before and, um, it's, uh, well, it's a bit worrying, you know? So, uh, I would, um, I would really appreciate it if you could, um, you know, look into this for me.
Um, yeah, so, um, if you could maybe, um, check my account and, um, see why this, um, this credit check was run, that would be, um, really, really helpful. And, um, if there's anything, um, anything I need to do on my end, um, just let me know. I, um, I just want to make sure my, um, my information is safe, you know?
Uh, oh, and, um, if it's not too much to ask, um, could you also, um, let me know how I can, um, keep an eye on my credit? Like, um, can you guys send me, um, notifications or, um, something like that? I, uh, I don't want this to, um, happen again in the, um, in the future. Um, thank you. |
credit_check_inquiry | Uh, hey there. Um, my name is, um, John ***. I, uh, have an account with you guys. Uh, account number ***. I, um, I have a bit of a, um, a problem. I was, uh, I was looking at my, uh, credit report, you know, just, um, checking things out and, um, I saw this, this credit check, uh, from your bank. And, um, I don't remember, um, authorizing any credit check.
Um, it was done, uh, maybe a month ago? I'm, uh, not exactly sure of the, um, the date. I, uh, I just saw it there and, um, it surprised me a bit. I, uh, I didn't apply for any, um, any new loans or credit cards or, um, anything like that. So, uh, I'm just, um, a bit confused about why the, uh, credit check was done.
Um, I'm, uh, a little worried because, um, I know that, um, these checks can, um, can lower my credit score. And, um, I've been, uh, working really hard to, um, to improve my score. So, um, I'd like to know why this, um, this check was done. And, um, if it was a mistake, uh, can it be, um, can it be removed from my credit report?
Uh, I also, um, want to, uh, ensure this doesn't, um, happen again. I, uh, I want to make sure that, um, only checks I authorize, um, are done. I, uh, I hope you can, um, can help me resolve this, um, this issue. |
down_payment_inquiry | Uh, hello there. I hope you're, um, you're having a good day. My name is ***. Uh, I'm calling because I, um, I have a bit of a... um, an issue, I guess? I have a query about, uh, a down payment I made. Yes, yes, that's it - a down payment.
See, I've been banking with you guys for, um, quite a few years now. And, uh, I really like your services and, um, overall experience. But, uh, recently I've been having some, uh, issues with the down payment, uh, for my mortgage.
Um, I made the payment, uh, last week and, um, the money was deducted from my account. I've, uh, checked it several times and it's, um, definitely gone. But, um, when I look at my mortgage account, um, it doesn't seem to, uh, reflect there. I mean, um, it doesn't show any, um, recent transactions.
Um, I'm quite, um, worried about this because, uh, I need the payment to, um, go through properly. This is, uh, quite a significant amount and, um, I don't want to be, um, late on my mortgage payments. I'm, um, trying to maintain a, uh, good credit score and, um, this could, um, negatively impact it.
So, I, um, I was wondering if you could, um, check for me? Um, can you see if the payment has, um, been received on your end? And, um, if it hasn't, um, could you maybe, um, help figure out where it could be? I, uh, really need to sort this out.
And, um, if there's anything, um, I need to do from my end, um, to fix this, um, please let me know. Uh, I'd appreciate any help you can, um, provide. Thank you. |
down_payment_inquiry | Uh, hello, good day. I, um, I'm calling about a, uh, a matter concerning my bank account. I recently made a down payment for, um, a property and I, um, I wanted to check if the transaction has been, um, processed successfully.
Yes, yes, I can provide the necessary information. My account number is *** and the transaction ID is ***. The down payment was, um, supposed to be processed yesterday.
No, no, I haven't received any, um, confirmation message or email about the transaction. That's, um, that's why I'm a bit concerned, you know. The property agent is, uh, asking for a confirmation of the down payment and, um, I'm not sure what to tell him.
Yes, the down payment was for, um, $50,000. Yes, that's right. It was transferred to the account number ***. I just, um, I just want to make sure that everything is in order, you know. I've been saving up for this property for a long time and, um, I can't afford any screw-ups.
Oh, I, um, I also wanted to ask, um, about the transaction charges for the down payment. Can you, um, tell me how much was deducted for the transaction? And, um, if there are any more deductions I should, um, be aware of?
Yes, I've got my account details open in front of me. I, um, I can confirm the details if you need me to.
Alright, thank you for your help. I, um, I appreciate it. |
down_payment_inquiry | Uh, hi, yeah, good afternoon. This is, um, this is John Doe. So, I've been, like, with *** bank for quite a few years now, um, and I-I've always had a really, you know, pretty good experience with you guys. Um, but, uh, I'm kind of having an issue right now that I'm hoping, uh, you folks can, um, help me with.
I, uh, I have a mortgage with your institution, um, and I've been making all my payments on time. Uh, recently, I've been trying to make an additional, uh, payment towards my down payment. You know, to, uhm, kinda speed things up, uh, reduce the principal, you know? But, um, I'm having a bit of trouble with that. The, uh, the online system doesn't seem to let me do it.
I, um, I've tried, uh, multiple times, but every time I try to make a down payment, uh, I get an error message. It's, um, it's really frustrating, you know? I just want to be able to make my payments and, um, not have to worry about these things.
So, uh, can you maybe tell me what's, um, what's going wrong? Is it something on my end or, uh, is there an issue with the system? And um, how can I, uh, you know, make this additional payment towards my down payment? I really, um, I really want to get this sorted out as soon as possible.
And, uh, while we're at it, could you also explain, um, how these additional payments affect my mortgage? I mean, will it, um, reduce the term of my mortgage or, uh, will it just decrease the amount I owe? I just, um, want to make sure I'm doing the right thing here.
I hope, uh, you can help me with this, um, issue. Thank you. |
down_payment_inquiry | Hello, umm, hi there. My name is ***. I, uh, I'm calling because I'm a bit confused about, um, something related to my current home loan. Yeah, you see, I've been trying to, uh, make a down payment on my account online and, uh, for some reason, it's not really working out for me.
Yeah, so, um, I've already tried to, you know, follow all the steps on your website. I mean, I've done this before without any issues, so I'm not really sure what's going wrong this time. It's just that when I, um, get to the final confirmation page, there's, uh, an error message that keeps popping up.
The error message? Oh, um, it says something like, "Transaction cannot be, uh, processed at this time." Yeah, something like that. I've tried clearing my cache, and I even changed my browser, but it still doesn't seem to work.
Well, I, uh, I would really appreciate if you could help me make this down payment because, uh, it's quite urgent. I don't want to, you know, fall behind on my loan payments.
Oh, and, um, there's another thing. I was wondering if you could, uh, also explain how this down payment would, um, affect my loan terms? I mean, I've read some articles online that suggest that making a larger down payment could potentially, uh, reduce the interest rate. Is that true?
Yes, I know I've asked a lot of questions, but I, um, I just want to make sure I'm making the right financial decisions, you know? I really appreciate your help with this. |
down_payment_inquiry | Uh, hello, I'm, uh, I'm calling because I'm having a bit of trouble understanding, um, something about my mortgage. You see, my account number is, uh, ***. I, um, I recently signed for a mortgage with your bank and I'm a bit confused about the, um, down payment process.
So, um, I was told that I could make a down payment, uh, of twenty percent, but, um, I was wondering if it's possible to pay, um, less than that? You know, because I've heard from, uh, from a friend that you can pay as little as, um, five percent. Is, is that true?
And, um, also, how would, um, paying a smaller down payment affect my, um, my monthly payments? Would they, um, would they increase? And if so, by, uh, by how much approximately? I'm, uh, I'm trying to budget everything out, you see.
Oh, and, um, one more thing. If I, um, decide to pay less on the down payment and, um, the monthly payments increase, can I, um, can I later pay more towards the principal to, um, to decrease the monthly payments? Is, um, is that something that's possible?
I, uh, I'm sorry for all the questions. This is, um, this is all new to me and I'm trying to, um, to understand everything. I really, um, I appreciate your help. |
interest_rate_inquiry | Uh, hi, good morning. My name is *** and I, um, I have an account with your bank. Uh, yeah, I'm calling because, um, I noticed something odd with, uh, my last statement. It's, um, it's about my loan interest rate, you see.
Um, I...uh, took this loan from your bank, uh, about a year ago and, um, I remember the interest rate was, um, supposed to be 5%, right? But, um, when I checked my, uh, last statement, it, um, showed a different rate. It was, um, higher than that. 6.5%, actually.
So, um, I'm, uh, I'm just a bit confused here and, um, I would really appreciate it if, um, you could, um, help me understand why there was, um, this change in the rate. I mean, um, I was under the impression that it was a fixed rate loan.
Uh, and, um, also, is there, um, any way we could, um, you know, uh, review the terms of my loan? Maybe there's, um, something I missed or, um, didn't understand correctly. I, um, just want to make sure I, uh, I'm not, um, paying more than I, uh, I should be.
Oh, and, uh, one more thing. If the rate has indeed, uh, increased, can you, um, explain to me how this, um, affects my monthly payments? I, um, I just want to, uh, plan my finances accordingly.
Thank you, uh, for your help with, um, this. I, um, really appreciate it. |
interest_rate_inquiry | Uh, hello there. My name is, um, John. And, uh, I have an account with you guys, number ***. I, uh, I noticed on my, um, last statement there was something about an, er, interest rate that, um, seemed a bit off to me.
Yeah, yeah, that's right. It's a, um, savings account. I, uh, I'm really just trying to understand why, um, the interest rate has, you know, changed. I thought it was, um, supposed to be constant.
See, the thing is, um, when I, uh, opened the account I was told that the, um, the interest rate would be, um, 1.5 percent. But now, uh, it seems like it's, um, dropped to, um, 1.2 percent. I, um, I don't think I, um, received any information about this change.
So, yeah, could you, uh, could you please just, um, help me understand why the, um, why the rate changed? And, um, if there's anything, er, I can do to, um, get back the, er, original rate? I mean, every little bit, uh, helps, you know?
Also, if there's, um, any other information that, um, could help me, um, maximize the benefits from my, um, savings account, that would be, er, really helpful. I'm, uh, I'm just trying to, um, make the most out of the, um, money I'm saving, you know?
Yeah, so, um, that's pretty much it. I just, um, wanted to understand why the, um, interest rate changed and, uh, how I can, you know, get the most out of my, um, savings. Thank you for your, um, help with this. |
interest_rate_inquiry | Uh, hi there. I'm, um, hoping you can help me out with something. My name is ***. I've, uh, I've got an account with you guys, a savings account.
I, uh, got a letter last week, in the mail. It was about, um, interest rates or something. I didn't really understand it, you know? It seemed like it was, um, telling me that my interest rate was changing. But, uh, I wasn't sure if it was going up or down.
I, um, tried to look it up online, but I couldn't find anything about it. And, uh, I'm not really sure what it means, to be honest. I mean, is my money going to be worth less now? Or, uh, is it going to grow faster?
I just, um, I just want to make sure I understand what's happening with my money, you know? I worked hard for it, and I want to make sure it's working hard for me.
Oh, and, uh, the letter also said something about, um, an Annual Percentage Yield. I'm, I'm not really sure what that means either. Is that the same thing as the interest rate? Or, um, is it something different?
I'm, uh, I'm sorry if these are stupid questions. I'm just not really good with all this finance stuff. But, um, I'm trying to learn, you know? I want to, uh, I want to be smart about my money.
So, uh, can you help me understand what's going on with my interest rate and this, um, Annual Percentage Yield thing? |
interest_rate_inquiry | Um, hello, uh, yes, hi there. My name's, uh, John ***. I'm, um, a customer with your, um, bank. Yes, uh, my account number is ***. Yeah, so, um, I was, uh, looking at my, um, bank statement and, uh, I noticed, well, um, the interest rate on my, uh, savings account seems to be, uh, lower than what I, um, thought it was supposed to be.
Yeah, um, when I, uh, opened the account, I, um, remember the, um, interest rate was, uh, supposed to be, um, 2.5% annually. But, um, looking at the, um, statement, well, it seems to be, um, only 2.0%. I'm, um, not sure if there's, uh, been a mistake or if there's, um, something I've, uh, misunderstood.
And, um, if it's, um, not a mistake, then, um, I'd like to, um, understand why the, um, interest rate has been, um, reduced. Uh, was there, um, a change in, um, policy or, um, something?
Um, also, um, if you could, um, explain how the, um, interest on my, um, savings account is, um, calculated? Um, I’ve been, um, trying to, um, understand it, but, um, it's a bit, um, confusing for me.
And, um, if there’s any, um, possibility to, um, increase my, um, interest rate. I mean, um, I’ve been a, um, loyal customer for, um, years and, um, I’d, um, appreciate it if you could, um, look into this for me.
Yeah, um, that's it. I’m, um, just looking for some, um, clarity on this, um, matter. I, um, appreciate your, um, help with this. Thank you. |
interest_rate_inquiry | Uh, hello there. My name is John... John D***. Yes, that's right. I'm calling in today because, uh, well, I have a bit of a question regarding my, uh, my account. See, I've noticed on my, um, my last statement that my, uh, my interest rate is a bit higher than I, um, I was expecting.
Yes, I'm talking about my, um, my savings account. I remember when I opened the account, the interest rate was, uh, was quite competitive. But now, it looks like, um, it's not as high as I thought it was going to be.
Yeah, I'm just trying to understand why, um, why that might be. I mean, I haven't missed any payments or, um, or done anything that I think would, um, would cause my rate to drop.
I mean, I've been a loyal customer for, um, for quite a few years now, and I, I guess I just want to know if, um, if there's anything I can do to get back to that, um, that higher rate.
Oh, and, um, I also noticed that the interest rate on my, um, my credit card seems to have gone up. I, uh, I don't understand why... why that would happen. I mean, I pay my bills on time, I don't, um, I don't carry a balance. So, um, I'm really just trying to understand why, um, why these changes have occurred.
And, uh, I'd also like to know, um, if there are any options for me to, um, to get a better rate. I mean, I've been with you guys for a while, and um, I think I've been a pretty good customer. So, I, uh, I'm just wondering if there's, um, something I can do to get a better rate.
Yes, I would like to resolve this as soon as possible. I mean, every penny counts, right? So, um, yeah, that's why I'm calling. I just want to understand why my rates have changed and, um, and what I can do about it. |
loan_process_inquiry | Uh, hello, my name is, ummm, John ***. I am calling, uh, because, well, I applied for a loan, um, a personal loan, through, uh, your website, a few days ago. And, uh, I have yet to, you know, hear anything back from you guys.
Yes, that's correct, the application number is, um, ***. I filled out, you know, all the necessary details, attached the, uh, required documents and, uh, submitted it last Friday.
I, uh, I was just wondering, umm, if there's any, you know, update on that. I, uh, was expecting to get some sort of, uh, confirmation or, um, feedback by now.
Yes yes, I checked my, uh, email spam folder already. There, um, there was nothing there either. And, um, I haven't, you know, missed any calls or, um, received any voicemails.
Also, I was, um, hoping to discuss, you know, the interest rate. I saw on your, uh, website that it starts from, um, 5% or something. But my, um, credit score is, um, pretty good, so, um, I was wondering if, um, I could get a, um, lower rate.
And, um, one more thing, I wanted to, um, confirm the, uh, repayment schedule. I, um, opted for the, uh, 3-year plan, but, um, I might, you know, be able to pay it off, uh, earlier. So, um, I was wondering what's the, um, process for that, and, um, if there are any, um, penalties for early repayment.
Oh, and, um, also, could you, uh, tell me when the, um, first payment would be due? I, um, just want to make sure I, uh, have everything planned, um, accordingly.
Thanks, um, for your help. I, um, I really appreciate it. |
loan_process_inquiry | Uh, hi, good day, this is...um...this is Paul speaking. I've got a, uh, an issue I need some help with. It's about a loan I applied for with your bank. You see, I went through the, um, the online application, right? And it showed me that I was successfully, um, pre-approved. But, uh, I've been waiting for a week now, and there's no, um, no feedback or anything from your end.
Yes, that's right, it's a personal loan. I applied because, um, you know, I got this big project I'm working on at home and I need some extra funds to get it completed. And I thought, um, your personal loan product would be, um, the perfect solution for my problem.
Yeah, I've been a customer of the bank for, uh, over ten years now. I've got my savings account with you guys, my credit card, even my, uh, my mortgage. So, when I needed a loan, I naturally thought of you guys first.
Yes, yes, that's right, my account number is ***. And, um, I submitted the loan application online on, um, on the 3rd of this month. I just, well, I just need a status update or something. I've got contractors waiting and I need to plan accordingly, you know.
Sure, I can wait. I understand you need to, um, check my application details and all. Just, um, call me back as soon as you find something, okay? My contact number is ***.
Yeah, that's it. I just need to know what's going on with my loan application. And, um, if there's anything else needed from my side, you know, any documents or anything like that. I just want to get this sorted out as soon as possible. Thanks for your help. |
loan_process_inquiry | Uh, hello, yes, uh, my name is ***. I, uh, recently applied for a personal loan through your, uh, online platform. Um, it's been a, uh, a few days now, and, uh, I haven't heard anything back. I, um, I'm just, you know, calling to check on, uh, the status of my application.
Yeah, yeah, the loan ID number? Uh, sure, it's, uh, ***. Yes, that's right. And, uh, the loan amount was, um, around ***, for some home improvement stuff, you know?
Oh, um, I've been a customer with you guys for, uh, a pretty long time now. I've got my, uh, savings and checking account with you. I thought, uh, maybe that would help speed up the, um, the loan processing.
Yes, I did get an email confirmation right after I, uh, submitted my application. But, um, I haven't received any updates since then. I, uh, I just wanted to make sure everything was, um, okay and, uh, progressing as it should.
Yeah, the email said something about, um, verification documents? I uploaded my, um, pay stubs and, uh, tax returns as instructed. Just wanted to, uh, make sure you guys received them and everything, um, looked good.
Oh, and, um, I also wanted to ask about the, uh, the interest rate for the loan. The, um, the online application didn't really specify. I, uh, was hoping to get a, uh, a clear idea about that, you know?
Also, how long does the, um, the loan approval process usually take? I'm, um, trying to plan my budget and, um, it would really help to, uh, to know a timeline.
I'm also, um, curious about the repayment options. Are there, um, different plans available? Or is it, uh, a one-size-fits-all kind of deal?
Alright, thank you. Um, if you could just, um, let me know when I can expect an update, I'd really, uh, appreciate it. Thanks again. |
loan_process_inquiry | Uh, hello, um, my name is John ***. I'm, uh, calling in regards to a, um, a loan application I recently, uh, submitted online. It's been, like, a week since, um, I filled out the form and, uh, I haven't, uh, received any sort of, um, confirmation or, uh, update on the, um, process.
So, I, um, was just, um, wondering if, um, you could, um, help me, um, understand where, um, I am in the, uh, loan process? I mean, uh, it's my first time, uh, applying for a loan, and, um, I was told that, um, the bank would, uh, keep me updated, but, um, it's been silent.
Yes, uh, it's a personal loan application. I, um, I need the, um, money for, um, some home repairs. Uh, I filled out all the, um, required fields, provided all the, um, necessary documents, and, um, even got an, um, email saying my application was, um, received. But, um, since then, um, nothing.
Oh, uh, the loan amount? It's, um, around $10,000. And, um, I chose a, uh, five-year term. Um, is there, um, any problem with, um, my application? Did, um, you need any other, uh, documents or, um, any further, uh, information from me?
Um, I, uh, also wanted to, um, ask about, uh, the interest rate. I mean, um, when I was filling out the, um, application, it, um, showed a, uh, certain interest rate, but, um, I've heard that, um, it can change based on, um, my credit score. So, um, I wanted to, uh, know what, um, my final interest rate would, uh, be.
And, um, when can I, uh, expect to, uh, receive the, um, funds if my, um, loan gets, uh, approved? I mean, uh, I'm a bit, uh, in a hurry to, uh, start the, um, repairs. So, um, any information, um, would be, um, really helpful. Thank you. |
loan_process_inquiry | Uh, hello, good morning. My name is ***, customer number ***. I hope you're, you know, doing well today. I, umm, I’m calling about a loan I applied for... yeah, through your bank. I mean, I applied online a couple of weeks ago, and I have yet to receive any confirmation or, you know, any update on the status of my application.
Yes, that's right. It's a personal loan. I followed your online process, filled out all the forms, and submitted everything that was requested. I know these things usually take time but, umm, I was just wondering if there was, you know, any update on the status of my loan application, because it's, it's been a while.
Yeah, I did receive a confirmation email immediately after submission, but nothing since then. I mean, it's, you know, kind of frustrating not to hear anything back, especially when I'm, umm, planning some, uh, some important things based on that loan.
Indeed, the loan amount is for ***, and it's mainly for, umm, home renovation purposes. I have, you know, provided all the necessary documents including my proof of income, bank statements, and umm, credit history as well. So, I'm, umm, I'm just hoping to get some clarity, you know, about when I can expect a decision.
Oh, also, I wanted to ask about the, uh, the interest rate. In the loan terms, it says it's variable, and I'm, umm, I'm not too sure what that means exactly. I mean, how does it vary? Can it increase any time or, uh, is there a cap on how much it can go up?
And another thing, if my loan gets approved, umm, how soon can the funds be disbursed into my account? I was told it would be quick, but, umm, what does quick mean exactly? A few days, or a week, or longer? I mean, it would really help to get an estimate.
Thank you for your help. I, umm, I really appreciate it. I'm just trying to, you know, plan my expenses accordingly and it's, you know, kind of difficult without any clear timeline. I hope you understand that. |
atm_support | Uh, hi, good, uh, good morning. I, uh, I'm having a bit of a, um, problem with, uh, one of your ATMs. Yeah, I, uh, I tried to, um, withdraw some cash earlier today and, uh, the machine, um, it didn't dispense any cash. But, um, when I checked my, uh, online account, uh, the amount was, uh, deducted. So, uh, I'm, uh, I'm really concerned about this.
Yeah, yeah, the ATM was, uh, located at ***. Uh, I used it, um, around *** this morning. I, uh, tried to withdraw, um, *** dollars. Uh, I don't have the, um, transaction number with me right now, but, um, I can look for it if, um, if necessary.
Uh, no, no, I, uh, I didn't receive any, um, error message. It was, uh, it was just like, um, the machine was processing the transaction, and, uh, then it, um, returned my card without, uh, dispensing any cash. And, uh, I tried, um, I tried again, but, um, the same thing happened. That's when, uh, I checked my online account and noticed the, uh, deduction.
Yeah, yeah, I used my, um, *** debit card. And, um, I've been, um, using this ATM, um, regularly for the past few, um, months and, uh, never had any, um, issues before. I, uh, I really need this, uh, issue resolved as soon as possible. I'm, uh, I'm a bit tight on cash right now, and, um, that was a significant amount for me. Yeah, yeah, I'm, uh, I'm hoping you can, um, help me sort this out quickly. Thank you. |
atm_support | Uh, hello, um, I'm having a bit of a, uh, problem with my, uh, ATM card. It's not, um, working, you know? I tried to, uh, withdraw money from, um, three different ATMs and, um, all of them said that, um, my transaction couldn't be, uh, completed.
I'm, um, I'm not sure what's, um, going on. I mean, I, uh, know for sure that I, uh, I have enough balance in my, um, *** bank account. I checked it, um, online before I left, um, home.
Um, I tried, uh, using my card to, um, make a purchase at a store and, um, that didn't work either. The cashier, um, told me that the, um, card was declined. This, um, this has never, um, happened to me before, so, um, I'm quite, uh, worried.
Oh, uh, if this helps, um, I received a, um, new ATM card in the mail, uh, last week. I, um, I activated it right away and, um, it worked fine until, um, today.
Um, I'm not sure if, um, this is related, but, um, I did get a, uh, strange email yesterday, um, claiming to be from the bank, um, asking me to update, um, my personal information. But, uh, I didn't click on anything, um, because I thought it, um, looked suspicious.
Um, I'm hoping you can, um, help me figure out, um, what's wrong with my, um, ATM card and, um, how I can, um, fix it. I, um, I really need access to my, um, funds, you know? |
atm_support | Uh, hi there. Yeah, I'm calling because I'm, um, having a bit of an issue with your ATM service. I've been, um, using this bank for a good few years now, and this is the first time I'm, um, running into this sort of problem.
I mean, I went to withdraw some cash yesterday from, um, one of your ATMs near my house. The one at *** street. And, um, the machine went haywire. It just, um, it was showing an error and then, um, it just ate my card. It didn't give it back. I tried, um, canceling the transaction but it just didn't respond.
So, um, it's kind of a big problem for me, you know? That was my only debit card. I, um, I use it for everything, for my daily purchases, my bills, everything. And now I'm, um, I'm stuck. I don't have any cash on me, and, um, no way to access my account.
Yes, yes, I did try the, um, the online banking, but, um, for some reason, it's not letting me in. Maybe it's because my card's, um, stuck in the ATM? I don't know. I'm, um, I'm not very good with this stuff.
So, yeah, I'm, um, really hoping you can help me out here. I need to, um, resolve this as soon as possible. Get my card back, or, um, maybe you can issue me a new one? And, um, I definitely need to get my online banking sorted out. I don't want to, um, I can't stay without access to my account, you know? Thanks. |
atm_support | Uh, hi there, um... good day. My name is ***. Um, so I had a bit of a, uh, problem with my ATM card over the weekend. Uh, I was trying to, um, withdraw some cash, you know, and the ATM machine just, uh, swallowed my card. I mean, it didn't, you know, spit it out like it usually does.
Yeah, I, uh, I did try to, um, wait a bit, you know, to see if it was just a delay or something, but uh, nothing. The card didn't come back out. And uh, I wasn't even, you know, able to complete my transaction, so I'm, um, a bit worried about that.
No, no, um, it wasn't at a *** Bank ATM. It was at a different bank's ATM, you know, close to where I live. A, uh, a bit more convenient for me, I suppose.
Uh, yes, um, I tried to call the number on the ATM machine for assistance, but, um, they said I should contact, uh, my bank directly for this issue. They couldn't really help me, you know, since it's not their card.
Um, so, yeah, that's why I'm, uh, calling you guys. I'm really hoping you can, um, help me out on this. I don't know, like, uh, cancel the card or, uh, send a new one or something. I'm just, um, worried about my account security, you know, in case someone tries to, um, use my card or something.
And also, um, I was planning to, uh, go shopping this weekend, so I really need to, um, have access to my account. Uh, it's a bit inconvenient right now. Uh, so yeah, um, please help me out with this. I'd really, uh, appreciate it. Thanks. |
atm_support | Uh, hi there. My, uh, my name's Marcus, Marcus ***. Um, I'm calling because I'm having, like, some issues with the ATM. Yeah, I, um, I tried to withdraw some money today and, uh, it just, you know, it just didn't work.
Yes, yes, I did enter the right PIN, I'm sure. I tried a couple of times, you know, just to be sure, but, uh, it just kept saying, uh, something like 'transaction couldn't be completed.' Yeah, it's really, um, really frustrating.
No, no, I don't think it's a problem with the, uh, the card itself. Yeah, because, um, I used it just yesterday at the grocery store and it worked just fine. So, um, I guess it must be an issue with the, uh, the ATM or something.
Oh, yeah, the ATM I used, it was the one near my home, the branch at *** Street. That's the one I usually, um, I usually use. But, uh, I haven't had this problem before.
Yeah, it's really, uh, really inconvenient, you know? I, uh, I mean, I needed that cash today. So, um, I was wondering if you could, um, you know, help me out? Maybe there's something wrong with the, um, the ATM or my account or something.
Yes, yes, that's right. My account number is ***. And, um, the last four digits of my card are ***.
Is there, uh, anything else you need? I just, um, I just really need to sort this out, you know? I, um, you know, I depend on this service, so it's, um, it's really crucial for me. |
contactless_not_working | Uh, hi there, good morning. Uh, I'm calling because I'm having a bit of trouble with my contactless payment function. Yeah, it's just not working anymore.
I've been trying to use my card for contactless payments at several different places, but it seems like it's just not going through. It's quite embarrassing, you know, standing at the checkout and the payment won't go through.
Oh, it's a debit card. Yeah, it's the one with the *** bank logo on it. I've had it for about a year now, and it's always worked perfectly fine. But the problem started last week, just out of the blue.
I've tried it at different stores, thinking maybe it was a problem with the store's terminal. However, it’s not. It's definitely my card because it just won’t work anywhere.
No, I haven't tried withdrawing cash from an ATM. I haven’t been to one in a while. I've just been trying to use the contactless feature because it's so much more convenient given the current situation.
My card isn’t damaged or anything. It looks perfectly fine. There are no scratches on it, and the chip seems to be intact.
Yeah, the card is activated. I've used it several times already for both contact and contactless payments. It's just the contactless feature that's not working right now.
No, I haven’t reached my daily limit. I didn’t use it at all yesterday, hoping it would resolve itself. But it didn’t.
I'm not sure if it's a technical issue or something else. I just need it fixed as soon as possible, since I rely on it for most of my day-to-day transactions. Is there any way you can help me resolve this issue? |
contactless_not_working | Uh, hello there. I'm, uh, having a bit of a problem with my, you know, my contactless card. I can't seem to get it to work, you know? Um, I tried using it at the grocery store and, um, also at the gas station, but for some reason, it just... well, it just won't work.
Yeah, yeah, I have it right here. It's a *** card. I've been using it for, uh, about a year now, I guess. Never had any trouble until, um, just last week. I always use it for contactless payments, you know, because it's just so convenient. But now, every time I try to use it, the reader just...doesn't recognize it, I guess. It's, uh, really frustrating.
I mean, I thought maybe it was a problem with the card reader at the grocery store, but then it happened at the gas station too. And then, well, I tried it at a restaurant and it also didn't work. So, I'm pretty sure the problem is with the card, not the readers, you know?
And, uh, I'm not sure if this is relevant, but I also tried to use the card to withdraw cash from an ATM and it worked fine. So, it seems like the problem is specifically with the contactless feature.
I, uh, I really need to get this fixed. I use my card for pretty much everything, you know? Can you, uh, help me with this, please? I just want to be able to use my card again without any trouble. |
contactless_not_working | Uh, hello. Good, uhm, good morning... I'm, uhh... I'm having a bit of a problem with my, uh, my bank card. Yeah, it's the, uh, the contactless feature. It's, um, it's not working.
Yeah, I've been, um, trying to use it in a few different places, you know, like the grocery store, the gas station... and, uh, it's just not working. I've never, uh, never had this problem before, you know? I mean, I've always used the, uh, the contactless feature on my card, um, because it's just so much easier and faster. But, um, now it's not, uh, not working.
Uhm, it's a *** bank card and I've had it for, um, I think about, uh, two years now? Yeah, about two years. And I've never, uh, never had a problem with it before. I mean, I use it all the time, you know, for everything. Groceries, gas, uh, eating out, online shopping... Basically, uh, basically everything, yeah.
But, um, now it's just not, uh, not working. I mean, I've tried everything, you know? I've tried cleaning the card, I've tried, um, using it in different machines... But nothing, uh, nothing seems to work. And it's just really, uh, really inconvenient, you know?
I mean, it's not like I can't use the card at all. I can, um, I can still use the chip and pin, you know? But it's just not as, uh, not as convenient. And I'm, um, I'm just not sure what to do about it.
So, uh, I was hoping you could, um, you could help me out. Maybe there's something wrong with the card? Or, um, maybe there's something I can do to, um, to fix it? I mean, I really rely on the, uh, the contactless feature, you know? It's just so much easier and, um, and faster. So, um, yeah... any help you could give me would be, uh, would be really appreciated. Thanks. |
contactless_not_working | Um, hi, hello there... I'm having a bit of a... well, a problem with my, um, my contactless payment. It's, um, it's just not... working, you know? I mean, I've been trying to use it for the past few days and, um, it just... it just doesn't seem to be going through.
No, no, I'm not getting any error messages or anything like that. It's just, it's just not... working. I mean, I've been using the same card for, um, you know, for a while now and it's always worked perfectly fine. But, um, these past few days, I just keep getting declined every time I use the contactless.
Yes, yes, I've tried to use it at different places, you know, like... like the grocery store, the gas station, all that. And it's the same thing every time. I've also tried to, um, to use it on different machines and it's the same, just... just not working.
Um, no, I haven't exceeded my daily limit, I'm pretty sure. I, um, I checked my account online and it doesn't seem like I've gone over or anything. I mean, I've only been trying to make small payments, you know, nothing big.
Yeah, I've also tried to, um, to tap it multiple times and it still doesn't go through. I even tried to, um, to clean the card just in case there was something on it. But, um, but nothing seems to be helping. I've also made sure that I'm holding the card correctly, and, um, close enough to the reader.
I... I just don't understand what the issue could be. I mean, it's really frustrating, you know? I depend on this method for my everyday transactions. It's, um, it's just really inconvenient.
I was hoping you could, um, you could help me figure out what's going on. Maybe there's something wrong with the card or, or maybe it's something on your end, I don't know. I just need some help getting it sorted out, you know? So, um, yeah, that's it. |
contactless_not_working | Hi, hello, yeah, my name's John, John ***. Um, I'm calling because, um, I'm having a bit of a problem with my, um, my contactless payment. It's, um, it's just not working. Yeah, so, I've been using this card for, um, for a long time now, and it's always worked fine, you know, just tap and go, really convenient. But, um, lately it's just not, it's not registering, like the machines don't seem to, um, to recognize it at all.
I mean, I tried it at different places, you know, grocery store, coffee shop, even the gas station and it's the same issue. I've had to use the chip and pin, which is fine, but, um, it's just not as quick and, um, convenient, you know.
Yeah, yeah, the card number is ***. And the expiry is ***, yeah. I've checked the card and it doesn't seem to be, um, damaged or anything. I mean, it looks fine, you know, no obvious scratches or anything that could, um, could explain why it's not working.
I'm not sure if it's, um, if it's an issue with the card or the bank or, um, if there's some sort of issue with the contactless system. I just, um, I just really need to get it sorted out. It's causing a lot of, um, unnecessary hassle and, um, I really rely on the contactless payment, especially now with the whole, um, Covid situation.
So, um, yeah, that's my issue. I hope, um, I hope you can help me, um, resolve this. Thanks. |
mobile_app_issues | Uh, hi there. Yeah, I'm having a, uh, bit of a problem with your mobile app. Mhm, it's just not, like, working properly for me... Yeah, it's the one for *** Bank.
So, uh, the issue is that, um, I can't seem to log in. Yeah, I mean, I'm sure I'm putting in the right password and everything, but it keeps saying it's incorrect.
No, no, I'm not locked out of my account. I'm able to log in through the website just fine. It's just the app. I've tried uninstalling and reinstalling it, but it's still not working... Yeah, it's the same issue.
I've also tried to reset my password, but it's not, um, sending me the email. I've checked my spam and everything, it's just not there. I've tried several times over the past few days. It's a bit frustrating, to be honest.
And I, uh, really need the app to work because I do a lot of my banking on the go. It's just, um, more convenient for me. So, can you help me out with this?
No, I haven't had this issue before. It just started last week... Yeah, I'm using an iPhone. Not sure which model but it's a pretty recent one, so I don't think that's the issue.
Also, another thing, the app has been crashing a lot too... Yeah, like, it'll just close out of nowhere. It's been really inconvenient. So, um, any help you could provide would be really, really appreciated. Thanks.
Oh, and one more thing, I also noticed that the, um, Face ID feature isn't working on the app. I mean, it works for all my other apps so I, uh, don't really know what's going on. Yeah, it's just not recognizing my face. So that's another issue I'm having.
Overall, it's just been a really frustrating experience, you know? I just want to be able to use the app to manage my finances without all these issues. So, um, yeah, I hope you can help me out here. |
mobile_app_issues | Uh, hi there, good morning. My name is John...John ***. I'm, um, calling in regard to the mobile app. See, I've been having some...well, some issues with it recently.
Yes, yes, it's the app for your bank. I've always found it pretty easy to use, you know, very convenient. But recently, um, I've had some, uh, problems. Specifically, I can't seem to, um, login. It's not accepting my password even though I am sure it's correct.
I've, uh, tried to reset my password a few times, but I never receive the, um, reset link in my email. Checked my spam folder and, uh, all that, but still nothing. Really frustrating, you know?
Also, there's another thing. When I finally do get logged in, after, um, many tries, my account balance isn't showing. It's just, you know, blank. This has never happened before and it's...it's making me a bit nervous.
Yeah, yeah, I have the latest version of the app. I've even uninstalled and reinstalled it a couple of times to see if, uh, that might fix things, but no luck.
I, I just hope you can help me out with this. It's really important for me to, uh, have access to my banking information and to be able to do transactions on the go, you know? I, uh, really rely on this app for my banking needs.
Do you, um, have any idea what might be causing these issues? I mean, I've been using this app for years now and, uh, never had any problems before this. It's, it's just really inconvenient right now.
Oh, oh, and before I forget, I've been getting these error messages too. "Oops, something went wrong," is what it says. But it doesn't, um, give any detail on what the issue might be.
So, can you, uh, help me with this? I really need to get this app working properly again. |
mobile_app_issues | Uh, hello there. It's, um, it's about your, uh, your mobile banking app. I'm, um, I'm having some, uh, some trouble with it. I've been a customer with *** Bank for, like, I don't know, over 10 years now and never had an issue until now. Uh, so, I thought I'd just give you guys a call and, um, see if we can, uh, sort this thing out.
No, no, it's not about, um, login issues. I can, um, I can log in just fine. It's just that, uh, every time I try to, um, to transfer money to another account, the app, uh, it just crashes. It's been happening for, like, a week now. And I've tried, um, I've tried uninstalling and reinstalling it, but, uh, but no luck.
Yes, yes, I've updated it to the latest version. It's, um, it's still not working. It's really, um, really inconvenient, you know? Uh, I've got bills to pay and, um, I can't do it if the app keeps, uh, keeps crashing.
No, no, it's not just the transfer, um, function. I've also noticed that, um, that my transaction history doesn't, um, doesn't update immediately after I've, um, made a transaction. It's, um, it's like there's a delay or something. Uh, it only shows up after, like, a couple of hours or so.
Uh, yes, I've tried it on both, uh, Wi-Fi and, um, and mobile data. The problem, uh, persists on both. It's really, um, really frustrating, you know? I mean, um, I rely on the app for, uh, for a lot of my banking needs, and, um, and now it's just, uh, not working properly.
Yes, yes, that's correct. I'm, um, I'm using an iPhone. The latest model. Would, uh, would that be causing the issue? I mean, you know, the app worked, um, worked fine on my old phone. Uh, so, I thought, you know, maybe it's, um, it's not compatible with the new one or something.
Oh, one more thing I forgot to, um, to mention. The app, um, the app also logs me out, um, randomly. Like, I could be in the middle of, um, of checking my balance or something, and then, um, it just kicks me out. That's, um, that's also been happening quite, um, quite frequently.
I'd really, um, really appreciate it if you could, um, help me resolve these issues. I mean, you know, I've been with *** Bank for a long time, and, um, I'd hate to have to, um, switch banks over something like this. |
mobile_app_issues | Uh, hi there, um, my name is ***. I, um, I was trying to, um, access my, uh, account on your, um, mobile app. Um, I keep, uh, getting this weird error message, something about, um, "connection issues", I think. But, uh, I've checked my internet connection and, uh, everything seems to be in, um, in order. Uh, I've also, um, tried reinstalling the app and, uh, nothing seems to work, you know?
Oh, yeah, to answer your question, I'm using an, um, iPhone 11. I've been using your app, um, without issues for a while now. But, um, these problems started, um, just last week. It's, um, quite frustrating because I, um, I rely on the app for most of my banking, um, transactions.
No, no, I haven't, um, recently updated my, um, phone's software. Do you, um, think that could be the issue? And, um, I don't have any other, um, issues with other apps, just, um, just yours.
Yes, um, I also tried to, um, log in to my account from my, um, wife's phone, and it, um, it worked perfectly. Her phone is a, um, Samsung Galaxy S9. So, um, I guess the issue is not, um, account-related, right?
Oh, and another thing, um, when I try to, um, log in, it usually, um, takes a long time, and then, um, it gives me the error message. Sometimes it, um, even crashes. So, um, that's another issue I'm, um, dealing with.
Also, um, I've noticed that the app, um, doesn't save my login information, um, anymore. I have to, um, keep entering it every time I, um, try to log in. It didn't, um, used to be like that.
So, um, yeah, those are the, um, issues I'm facing. I, um, I hope you can help me, um, resolve these problems, um, soon. Thank you. |
mobile_app_issues | Uh, hi there. This is, um, this is ***. Uh, I'm having some trouble with your mobile uh, app. I, uh, I just can't seem to get it to work properly. I was trying to, um, check my balance and it just, it just wouldn't load. Kept giving me this weird error message, uh something like, "Unable to retrieve account details."
And then, um, I tried to uh, make a payment to, um, my utility company, you know, like I usually do. But, um, it just wouldn't go through. The app just, uh, froze on the transaction page, and then it crashed.
Yeah, I've, uh, I've tried uninstalling and reinstalling the app. I've, uh, I've even tried it on, um, my wife's phone, just to see if it was my phone's issue. But, um, no luck. The same issues, um, they just keep happening.
I, uh, I really rely on this app for my banking needs, you know. I, uh, I don't have a branch nearby and it's, um, it's just more convenient for me. But, uh, these issues, they're really causing me a lot of, um, a lot of trouble.
Can you, uh, can you help me figure out what's, um, what's going on? And if possible, um, how to fix it? Because, uh, I really need to get these things done. I, um, I can't have my utilities cut off because of this, you know? I, uh, I'd really appreciate, um, any help you could, um, give me. |
exchange_charge | Uh, hello there. I, um, just noticed something odd on my recent, uh, bank statement. See, I made a currency exchange last week, and, uh, I think there might be, um, a mistake with the charge. It, uh, it seems a bit high to me.
Yes, yes, that's correct. The exchange was from, um, US dollars to Euros. The exchange rate seemed, um, seemed fair, but the, uh, the service charge, it, um, it seems off. It's listed as ***, which, uh, seems quite high, doesn't it?
I, um, I did use your online banking service for the, um, for the exchange. Yes, that's, um, that's correct. I didn't, um, I didn't go to a physical branch. I, uh, I thought it would be, um, easier to do it online.
Yes, I, um, I understand there might be, um, some fees associated with, uh, with currency exchange. But, uh, I thought it would be, um, a small percentage of the, um, of the exchanged amount. Not, um, not this high.
No, I, um, I didn't see any, um, any information about the, um, the charge before I, uh, confirmed the transaction. It, um, it didn't, uh, pop up or anything. I, um, I just saw it on my, um, on my bank statement.
Yes, I, um, I still have the, um, the transaction receipt. It, um, it shows the, uh, the exchange rate and the, uh, the amount in Euros I received. But, um, there's no, uh, no mention of the, um, the service charge on it.
I, um, I'd like to, um, understand why the, um, the charge was so high. And, um, if it's a, um, a mistake, I would, um, I would like it to be, um, corrected. I, um, I use your bank for, um, for all my banking needs, and, um, I've never, uh, encountered such a high, um, service charge before. |
exchange_charge | Hello, um, yes, good morning. My name is ***. I've been a customer of your bank for, uh, several years now. I'm, uh, calling because I've noticed something odd on my, um, bank statement. There seems to be, um, a charge that I don't quite understand.
It's listed as an, um, 'exchange charge'. I'm not really sure what that means. I haven't done any, you know, currency exchange recently, or really ever, so I'm not sure why I would be, um, charged for that.
I've done some, uh, research, and it seems that these fees are usually associated with, um, international transactions or something like that, but I haven't, um, traveled or bought anything from overseas recently. So, I'm, uh, a bit confused and would appreciate some, uh, clarity on this.
Also, I would like to, um, see if it's possible to have this charge, um, removed if it's a mistake. You know, money's tight and every little bit counts, and I'm sure you understand. And, um, if it's not a mistake, I'd like to know what I can do to avoid these, uh, charges in the future.
I, uh, you know, want to make sure I'm not being charged for something I didn't, uh, do or authorize. I, um, really rely on my bank to keep my, uh, finances in order and trust that you'll help me, um, resolve this issue. Thank you. |
exchange_charge | Uh, hi there, um, I'm calling about this, uh, issue I noticed on my, my, uh, my bank statement. You see, I, um, I made an exchange, uh, from my account, and, um, I noticed a, uh, a charge that I didn't quite understand.
Yeah, yes, it was, um, an international, uh, currency exchange. I, um, I transferred some funds to, uh, to a business account in, um, in ***. Yes, that's correct. Uh, I've done this before, um, but I've never, uh, I've never noticed a charge like this before.
Yes, it was, uh, it was a significant amount, uh, but the, the, uh, the exchange charge seems, um, seems a bit high, higher than I expected. Yes, I, uh, I understood there would be a, uh, a fee, but this seems, um, seems a bit excessive.
Yes, the transaction date was, um, was ***. Can you, um, can you check that for me, please? I'd like to, uh, to understand why the charge was, um, was so high and, uh, and if it's possible to, you know, to get it reduced or something.
Yeah, I, um, I would appreciate if you could, uh, help me resolve this. I did not, um, did not anticipate such a high fee, and it's, um, it's causing a bit of a, um, a problem for me. I, uh, I just want to make sure this isn't, uh, isn't a mistake or something. |
exchange_charge | Uh, hello, yeah, hi. My name's David, David ***. I'm uh, I'm calling because I've got this, uh, issue with my recent bank statement. I was looking at my, um...my transactions, you know? And, um, I noticed this, uh, this charge that I don't really, um, understand.
Yeah, it's um... it's labeled as an "exchange charge". It's for around, uh, $50. I'm just trying to, um, get a handle on what exactly that is because, uh, I don't remember making any currency exchanges or, uh, anything like that.
I mean, I did go on a trip to Europe a couple of months ago and, um, did some, you know, card transactions there, but I was under the impression that, uh, my card didn't have any foreign transaction fees. So, I'm a bit, um, confused about this "exchange charge" thing.
If it's related to my trip, I'd like to, um, understand why I was charged and, um... and how I can avoid these charges in the future. I don't want to be, um, caught off guard again, you know?
And, uh, if it's not supposed to be there, I'd really like to have it, um, removed from my account, please. I mean, $50 is a lot of money to me, and, uh, I don't really think I should be paying for something I didn't know about or, um, agree to.
So, um, yeah. I'm just hoping you could, um, help me understand this better and, um, hopefully resolve this issue for me. Thank you. |
exchange_charge | Um, hello there. Yeah, uh, my name is, well, it's ***. I, uh, I'm calling because, well, yeah, I've noticed some, uh, strange things on my, um, my bank statement. There's this charge, see, an, um, an exchange charge, I believe it's called? From my, uh, from my last trip abroad, I think. I don't, uh, I don't recall getting any notice about this, you see.
Yeah, well, uh, the charge, it's like, uh, $***. I mean, that's quite a lot, don't you think? I mean, I didn't, uh, I didn't even use my card that much over there. I, uh, I mainly used cash, you know? Uh, so, um, I'm a bit confused about this whole, um, exchange charge thing.
Yeah, I, uh, I tried looking it up, you know, on, uh, on your website. I didn't, um, I didn't really understand it though. Can you, uh, can you maybe explain it to me? I mean, is this like, uh, a standard thing? Or, um, is it possible there's been some, uh, some sort of mistake?
Cause, I mean, uh, it's quite a bit of money, you know? And I, uh, I don't really remember agreeing to any, uh, additional charges. So, um, I was hoping you could, uh, you know, help me out here. Maybe, um, maybe get this charge removed, or, uh, at least reduce it a bit?
Yeah, yeah, that's right. So, um, if you could, uh, look into this for me, I'd, uh, I'd really appreciate it. I mean, I've been with *** Bank for a while now, and, uh, I've never had any, um, any issues like this before. So, um, yeah, I'm hoping we can, uh, resolve this soon. Uh, thanks for, um, for your help. |
exchange_rate | Uh, hi there, uh, my name is ***. I'm, um, calling in regards to some, um, some, ah, issues I've been having with the, um, the exchange rate on my account. Yeah, so, um, I noticed that, um, the rate I was, um, charged was, um, higher than the, um, the rate that was, uh, advertised on your website.
Yeah, so, um, I, um, I transferred some money internationally last week, and, um, I was, um, expecting a, um, a certain rate based on what I saw online, um, but when I, um, when I checked my statement this morning, uh, the actual, um, amount that was, um, deducted from my account was, um, quite a bit higher.
Uh, I have, um, the transaction number here, um, it's ***. And, um, the transaction was, um, was made on, um, ***. I, um, I transferred, um, *** to a bank in ***. And, um, the exchange rate that was, uh, applied was, um, ***. But, um, I, um, I believe it should have been, um, *** based on your, um, your website.
Yeah, I, um, I even took a, um, a screenshot of the, um, the rate on your website on the, um, the day I made the, um, transaction. Um, it's, um, it's here on my phone. Um, I can, um, I can email it to you if, um, if that would help?
So, um, I'm, um, I'm just wondering if, um, if there's anything you can, um, do to help me resolve this, um, this issue? I mean, um, it's quite a, um, a bit of money that, um, I've lost due to the, um, the incorrect exchange rate. Um, yeah, so, um, any help would be, um, would be greatly appreciated. |
exchange_rate | Uh, hello, um, good day to you. I'm...I'm just calling because I, uh, need some help with something. Yeah, so, um, I recently made a, um, transaction. An international one, you see. It was, uh, to my brother who lives in Canada. But, uh, I think, um, there's been some kind of, uh, mistake. I...I mean, I think there's a problem with the exchange rate used, you know.
So, um, like, I sent him about *** dollars, right? But, um, he only received *** Canadian dollars. And, uh, when I checked the, uh, exchange rate online, I...I really think the amount he received is, um, considerably less than it should be, um, according to the rate I found. I...I used, um, a reliable financial news site, you see.
Yeah, so, uh, I'm a bit confused here. I mean, I...I've been using your bank for, like, a long time now and I...I've never had such an issue before. So, I was wondering if, uh, there's been a, uh, mistake or something.
And, uh, another thing, um, that's kind of bothering me is the, uh, fee, you know. I...I was charged a fee of *** dollars for the transaction. And, um, I don't recall being informed about this when I, um, opened the account. I mean, is this, um, a new policy or something?
So, uh, yeah, I...I just want to get these things sorted out, you know. I...I'm not really comfortable with, uh, losing money like this. It's, um, quite a lot for me. So, could you, um, help me get this resolved? I...I'd really appreciate it. |
exchange_rate | Uh, hello there. Yeah, my name is, uh, ***. I'm calling because I've got a bit of a, um, problem with my account. You see, I recently made a, uh, transaction overseas, and I'm a bit confused about the exchange rate that was used.
No, no, it's not that I don't understand how exchange rates work, it's just that, um, what you guys used seems a bit off to me. I mean, I regularly check the rates, you know, just to stay on top of things, and what I was charged just doesn't seem to align with what I've been seeing.
Yes, yes, I understand that rates fluctuate and all, but um, I still think the rate was, um, quite high for the day I made the transaction. I, uh, actually checked multiple sources, you know, just to be sure and they were all showing a lower rate than what was used for my transaction.
I was just wondering, um, if there's any way you could, uh, check that for me? I mean, I really don't want to, um, accuse you of anything, but I also don't want to, um, pay more than I should, you know?
Oh, and also, could you, um, explain a bit more about how these exchange rates are, um, determined by the bank? I mean, I know the basics, but I'd like to, um, understand more about the process. Because, um, if I'm going to be making more overseas transactions in the future, I'd like to, uh, be better prepared, you know?
Yeah, I can hold. Take your time. I really appreciate your help with this. |
exchange_rate | Uh, hello, yeah, good morning. I, uh, I hope I'm not disturbing you or anything. Yeah, I'm calling today because I, uh, I've got a small issue with my, um, my account. My name? Yeah, sure, it's ***. And my account number? Okay, let me just find that... Alright, here it is, it's ***.
So, uh, here's the thing. I've been, uh, using your services for, um, for some time now, and I've always been, um, quite satisfied, you know? But, um, lately, I've noticed something that I, uh, I don't quite understand.
So I've been making, um, quite a few international transfers, right? And, uh, with the whole, um, pandemic thing, I've been doing them, uh, more frequently. And, um, I've noticed that, uh, the exchange rate you guys are, um, applying, it seems to be, um, different from the, uh, the market rate.
I mean, I get that, um, there can be, you know, slight differences, but, um, it seems to be quite, um, significant. Like, um, last week, I sent some money to, uh, to *** and, um, the rate was, um, quite a bit lower than, um, what I saw online.
I was, um, I was wondering if you could, um, perhaps explain why this is? Is there, um, a specific policy that you, um, that you follow when setting the, um, the exchange rate? Or is there, um, something else that, um, that I'm missing?
I mean, it's not, uh, it's not a huge issue or anything, but, um, it would be nice to, um, to understand what's, um, what's going on. And if there's, um, if there's a way to get a, um, a better rate, I'd be, um, I'd be interested in knowing that too. Anyway, that's, um, that's my question. I hope you, um, you can help me out. |
exchange_rate | Uh, hi there, I'm calling because, um, I have a bit of an issue with the exchange rate on my account. Yeah, my name is ***. My account number? Uh, sure, it's ***.
Yes, so, what happened is that I, um, I recently transferred some money to a, uh, foreign account. Yeah, um, I have a daughter studying abroad and, well, I regularly send her money for expenses and stuff. The thing is, the exchange rate that, uh, that I got, it seems to be, um, lower than the standard exchange rate. I, um, checked online and, um, the rate I got seems to be quite... quite off.
Yeah, so, the transfer was made, um, two days ago. Yeah, I used your online banking platform. Uh, the amount I sent was *** and it was to a, uh, bank in the United Kingdom. Yeah, the transaction reference number is ***.
No, no, I didn't get any error messages or anything during the transfer. It just, um, completed like normal. But then when I checked the, uh, receipt and, um, compared it with the, uh, exchange rate online, it just didn't match.
Yeah, I understand that there can be, uh, fluctuations and stuff, but this seems to be a bit too much, you know? I, um, I just want to make sure that I'm not being, um, overcharged or anything. I mean, it's hard enough with her tuition and all without having to worry about, um, losing money on the exchange rate.
Yes, I have the receipt right here. The transaction ID is ***. Yeah, I can wait while you, um, check that out.
I mean, I've been with *** Bank for years now, and I've never, um, had any problems before. This is the first time I've, um, noticed something like this. So, I'm just, um, hoping it's a one-off thing, you know?
I would really appreciate it if you could, um, look into this for me and, um, maybe explain what happened. And, um, if there's been a mistake or something, I'd be grateful if you could, um, sort it out.
Uh, yeah, I can hold. Thanks for your help. |
exchange_via_app | Uh, hello, um, good day. I hope I'm not bothering you. I just need some help with something. You see, I've been trying to use your app to um, exchange some currency. Uh, I'm supposed to travel next week and I wanted to get some, um, Euros. But every time I try to navigate to the, um, currency exchange feature, it keeps crashing.
It's a bit confusing, uh, because I've used the app before to transfer money and to check my balance. I've never had any problems with it until now. I, uh, thought it might be my phone, so I tried it on my wife's and the same thing happened. So I, um, don't think it's an issue with our devices.
I, um, took a screenshot of the error message too. It said something like, 'Oops! Something went wrong. Please try again later.' I've been trying for, uh, two days now. I'm not sure what to do.
Now, I don't know if it's a bug or what. But, um, I really need to, um, get this sorted before I travel. If you could, um, help me figure out what's going on, that'd be great. My account number? Oh, sure, it's um, ***.
Oh, and, uh, one more thing. If it's not too much trouble, could you also, um, explain how the exchange rates are calculated? I mean, I see the rates on the app, but I'm not sure if those are the, um, actual rates or if there are any added fees.
I just want to make sure that I'm, um, getting a good deal, you know? So if you could clarify that for me, I'd really appreciate it. Thank you. |
exchange_via_app | Uh, hello, yes. Hi. I, uh, I'm having a bit of an issue with, um, your mobile app. I was trying to, you know, do an exchange, um, but it's not really working for me.
Yeah, so, um, I've got this, um, account in, uh, *** and I'm trying to, um, exchange some of it to, um, ***. But, um, every time I try, it, uh, just kind of crashes on me. It's, um, really frustrating, you know?
And, um, I've, uh, tried deleting the app and, um, reinstalling it, but the, uh, problem just, uh, seems to persist. So, uh, I'm really not sure, uh, what to do at this point. I mean, I've been using this app for, um, quite some time now and, um, never had this issue before.
I mean, uh, this isn't the first time I'm, uh, trying to do an exchange. I've done it, um, multiple times before and, um, it was a pretty smooth process. But, uh, now it's just giving me a headache.
I was also, um, wondering if there's any, um, possibility this could be because of, um, some maintenance work or, um, updates happening on your end? Because, um, I really need to make this, um, exchange as soon as, um, possible.
And, uh, could this be, um, because of my device or, um, something? I'm using an *** model, if that helps. So, uh, yeah, I just, um, really need some help with this. |
exchange_via_app | Uh, hi there. Yeah, um, so I've been trying to, uh, do something on your app and it's just not, um, not going too well for me. I'm trying to exchange some, uh, foreign currency I have. It's, uh, it's Euros actually. I've got, um, quite a bit left over from a trip I took, uh, before all this, uh, COVID stuff hit.
Um, anyway, I saw, uh, on your site, or maybe it was in an email, that I can, um, exchange this currency right from my, uh, mobile app. But, uh, I can't seem to find where to, uh, do that. I, uh, I've looked through all the menus, and, uh, I even tried the little search thingy at the top, but no luck.
Yeah, yeah, I updated the app. I did that first thing when I, uh, when I was having trouble. It didn't seem to, uh, make a difference though. I'm still, uh, not finding where to do the exchange. I'm, uh, I'm not really sure what I'm missing here.
Oh, and also, I wanted to, uh, check what the, uh, current exchange rate is. I mean, I want to make sure I'm, uh, getting a good deal, you know? So, um, could you tell me where to find that information too?
Look, I just want to get this, uh, done and over with. I've been, uh, sitting on this currency for a while now and, uh, could really use the money in my account instead. So, uh, any help you can give me would be, uh, really appreciated. Thanks. |
exchange_via_app | Uh, hi there. My name is ***. I'm, um, having a bit of an issue with your mobile app. Just installed it on my phone, but uh, well, I'm having trouble setting up a currency exchange. Yeah, I'm planning a trip abroad and I figured it'd be easier to just, you know, get it done through the app.
So, uh, I was trying to exchange my dollars to euros, but um, for some reason it's just not working. I mean, I've followed the steps listed in the Help section, but uh, when I get to the final step, there's this error message that pops up. It says something like, "Transaction failed. Please try again later." I've tried it a few times, but it's the same thing every time.
Oh, and then, um, there's another thing. When I log into the app, I see my savings account but, um, I can't see my checking account. It's like it's not even there, you know? I've got enough money in my checking account for this exchange, but if the app can't see it... well, you see my problem, right?
Oh, and I also noticed that the app isn't updating my account balance in real time. Like, I made a deposit yesterday, but it's not reflected in the app. So, uh, yeah, that's really worrying me.
I just want to exchange some money before my trip and make sure all my account information is accurate. That's not too much to ask, right? I mean, I've been banking with you guys for years, and this is the first time I've had an issue like this. So, um, I hope you guys can help me resolve this. |
exchange_via_app | Uh, hello there. This is, uh... John ***. I'm, uh... I'm not sure if I'm calling the right, um, department. But, uh, I need some help with, um, your mobile banking app. I'm, uh, trying to, um, to exchange some currency, but um, it just won't, um, won't go through. Yeah, I'm, um, I'm sure I have, uh, more than enough in my, um, account for the, uh, the exchange.
Yeah, I'm, um, trying to, uh, to convert US dollars to, um, Euros. I have a, um, a trip coming up, and, uh, I thought I'd, uh, I'd get the, um, the currency sorted out in advance. I, um, I've done this before on, uh, the app, but, um, this time it's, um, it's just not working.
No, no, uh, error message or, um, anything like that. It's just, um, not processing. Uh, I've, um, I've tried a few times now and, uh, I'm just, um, not getting anywhere.
Yeah, I've, um, I've checked that I'm, um, connected to the internet and, uh, I've, um, I've also tried restarting the, um, the app and my, um, my phone. But, um, no luck.
Uh, no, I, um, I haven't tried, um, uninstalling and, um, reinstalling the app. Do you, uh, do you think that might, um, might help?
Yeah, I, um, I can do that. I'll, um, I'll try that and, um, call back if, uh, if I still need help. Uh, thank you, um, thank you for your, um, your help. |