Can see samba shares but not access them

For the life of me I cannot figure this one out.

I have samba installed and set up on the ubuntu box and on the Win7 box I CAN SEE all the shares I created.

I created two users on ubuntu that map to the users in windows. On ubuntu they are both admins, user A & B on Windows User A is admin and user B is poweruser.

User A can see both shares and access them, but user B can see everythin, but only access the homes directory, the other directory throws an error.

I have two drives in Ubuntu and this is the smb.config file (I am new to samba):

[global]
workgroup = WORKGROUP
server string = %h server (Samba, Ubuntu)
wins support = no
dns proxy = yes
name resolve order = lmhosts host wins bcast
log file = /var/log/samba/log.%m
max log size = 1000

syslog = 0

panic action = /usr/share/samba/panic-action %d
security = user

encrypt passwords = true
passdb backend = tdbsam

obey pam restrictions = yes

unix password sync = yes
passwd program = /usr/bin/passwd %u
passwd chat = *Enter\snew\s*\spassword:* %n\n *Retype\snew\s*\spassword:* %n\n *password\supdated\ssuccessfully* .

pam password change = yes
map to guest = bad user
;   usershare max shares = 100
usershare allow guests = yes

And here is the share section:

Both user A & B can access this from windows. No problems.

[homes]
comment = Home Directories
browseable = no
writable = yes

Both User A & B can see this share, but only user A can access it. User B get an error thrown.

[stuff]
comment = Unixmen File Server
path = /media/data/appinstall/
browseable = yes
;writable = no
read only = yes
hosts allow =

The permission for the media/data/appinstall/ is as follows:

appInstall properties:

share name: stuff
Allow others to create and delete files in this folder is cheeked
Guest access (for people without a user account) is checked

permissions:

Owner: user A
Folder Access: Create and delete files
File Access: ---

Group: user A
Folder Access: Create and delete files
File Access: ---

Others   
Folder Access: Create and delete files
File Access: ---

I am at a loss and need to get this work. Any ideas?

The goal is to have a setup like this. 3 users on window machines. Each user on the data drive will have their own personal folder where they are the ones that can only access, then another folder where 2 of the users will have read only and one user full access.

I had this setup before on windows, but after what happened I am NEVER going back to windows, so Unix here I am to stay!

I am really stuck. I am running Ubuntu 11. I could reformat again and put on version 10 if that would make life easier. I have been dealing with this since Wed. 3pm.

Thanks.