[ { "question": "If a company's final offer was $4,200 and the arbitrator awarded $7,000, how much additional money did the cardholder receive?", "ground_truth": "2800.00", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "subtract", "arg_1": "7000", "arg_2": "4200", "resp": 2800 } ], "program": [ "subtract(7000, 4200)" ], "question_tense": "THIRD", "financial_terms": [ "ARBITRATION AWARD", "ARBITRATION PAYMENT", "FINAL OFFER ARBITRATION" ], "credit_card": "Blue Cash Everyday Card Cardmember Agreement-255458.md" }, { "question": "Suppose a bank assigns different maximum plan limits based on credit score. A basic account (<= 600 credit score) gets $5,000 plan limit. A standard account (<= 750 credit score) gets $7,500 plan limit. A premium account (> 750 credit score) gets $10,000 plan limit. If a cardholder has a credit score of 720 and has $4,000 in existing plans, how much more can they place into a plan?", "ground_truth": "3500.00", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 4, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 4, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "less_equal", "arg_1": "720", "arg_2": "600", "resp": "FALSE" }, { "operator": "less_equal", "arg_1": "720", "arg_2": "750", "resp": "TRUE" }, { "operator": "subtract", "arg_1": "#1", "arg_2": "#0", "resp": 1 }, { "operator": "subtract", "arg_1": "1", "arg_2": "#1", "resp": 0 }, { "operator": "multiply", "arg_1": "5000", "arg_2": "#0", "resp": 0 }, { "operator": "multiply", "arg_1": "7500", "arg_2": "#2", "resp": 7500 }, { "operator": "multiply", "arg_1": "10000", "arg_2": "#3", "resp": 0 }, { "operator": "add", "arg_1": "#4", "arg_2": "#5", "resp": 7500 }, { "operator": "add", "arg_1": "#7", "arg_2": "#6", "resp": 7500 }, { "operator": "subtract", "arg_1": "#8", "arg_2": "4000", "resp": 3500 } ], "program": [ "less_equal(720, 600)", "less_equal(720, 750)", "subtract(#1, #0)", "subtract(1, #1)", "multiply(5000, #0)", "multiply(7500, #2)", "multiply(10000, #3)", "add(#4, #5)", "add(#7, #6)", "subtract(#8, 4000)" ], "question_tense": "THIRD", "financial_terms": [ "PAYMENT PLAN FEE", "CREDIT LIMIT", "CREDIT TIER", "CREDIT-SCORE APR TIER", "PLAN LIMIT" ], "credit_card": "Blue Cash Everyday Card Cardmember Agreement-255458.md" }, { "question": "If a cardholder has $40 in Reward Dollars, how much statement credit will they have?", "ground_truth": "40.00", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "40", "arg_2": "1", "resp": 40 } ], "program": [ "multiply(40, 1)" ], "question_tense": "THIRD", "financial_terms": [ "REWARDS", "REWARD DOLLARS", "STATEMENT CREDIT", "REWARD DOLLARS REDEMPTION" ], "credit_card": "Blue Cash Everyday Card Cardmember Agreement-255458.md" }, { "question": "Assume the Blue Cash Everyday Card offers two tiers for the holder's APR for Purchase dependent on their credit score. For those who are labeled 'great', they have a credit score 600 and above with a 15.99% APR for purchases. Those that are labeld as 'normal' have a credit score of 599 and below with a 18.99% APR. If I make $1100 payment, how many extra days have passed since they were charged interest for the great vs normal credit score if their total balance including payment + interest is $1200?", "ground_truth": "31", "output_units": "day", "input_units": { "from_doc": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "1200", "arg_2": "1100", "resp": 1.0909090909090908 }, { "operator": "multiply", "arg_1": "15.99", "arg_2": "0.01", "resp": 0.15990000000000001 }, { "operator": "multiply", "arg_1": "18.99", "arg_2": "0.01", "resp": 0.18989999999999999 }, { "operator": "divide", "arg_1": "#1", "arg_2": "365", "resp": 0.000438082191780822 }, { "operator": "divide", "arg_1": "#2", "arg_2": "365", "resp": 0.0005202739726027397 }, { "operator": "add", "arg_1": "1", "arg_2": "#3", "resp": 1.0004380821917809 }, { "operator": "add", "arg_1": "1", "arg_2": "#4", "resp": 1.0005202739726027 }, { "operator": "ln", "arg_1": "#0", "arg_2": "0", "resp": 0.0870113769896297 }, { "operator": "ln", "arg_1": "#5", "arg_2": "0", "resp": 0.00043798626179328775 }, { "operator": "ln", "arg_1": "#6", "arg_2": "0", "resp": 0.0005201386770245413 }, { "operator": "divide", "arg_1": "#7", "arg_2": "#8", "resp": 198.66234304558083 }, { "operator": "divide", "arg_1": "#7", "arg_2": "#9", "resp": 167.2849584794947 }, { "operator": "subtract", "arg_1": "#10", "arg_2": "#11", "resp": 31.377384566086135 }, { "operator": "abs", "arg_1": "#12", "arg_2": "0", "resp": 31.377384566086135 }, { "operator": "ceil", "arg_1": "#13", "arg_2": "0", "resp": 32 }, { "operator": "subtract", "arg_1": "#14", "arg_2": "1", "resp": 31 } ], "program": [ "divide(1200, 1100)", "multiply(15.99, 0.01)", "multiply(18.99, 0.01)", "divide(#1, 365)", "divide(#2, 365)", "add(1, #3)", "add(1, #4)", "ln(#0, 0)", "ln(#5, 0)", "ln(#6, 0)", "divide(#7, #8)", "divide(#7, #9)", "subtract(#10, #11)", "abs(#12, 0)", "ceil(#13, 0)", "subtract(#14, 1)" ], "question_tense": "THIRD", "financial_terms": [ "DAILY PERIODIC RATE", "PURCHASE APR", "ACCOUNT BALANCE", "CREDIT TIER", "CREDIT-SCORE APR TIER", "TIERED RATE SCHEDULE", "TOTAL BALANCE", "ROUND-UP RULE", "365-DAY RATE BASIS", "LOGARITHMIC PAYOFF CALCULATION", "BLUE CASH EVERYDAY TERMS", "CHASE CARD TERMS" ], "credit_card": "Blue Cash Everyday Card Cardmember Agreement-255458.md" }, { "question": "A Discover Near Prime check cash advance is taken at 26.99% APR with $1,500 balance for 12 months, assuming no payments. What is the probability that total interest exceeds $300? Probabilities are calculated by computing interest expense as % of $300. Low (<30%) Moderate (30%-70%) High (>70%)?", "ground_truth": "High", "output_units": "categorical", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": 26.99, "arg_2": 100, "resp": 0.2699 }, { "operator": "divide", "arg_1": "#0", "arg_2": 365, "resp": 0.0007394520547945205 }, { "operator": "add", "arg_1": 1, "arg_2": "#1", "resp": 1.0007394520547945 }, { "operator": "exponent", "arg_1": "#2", "arg_2": 365, "resp": 1.3097028247083937 }, { "operator": "subtract", "arg_1": "#3", "arg_2": 1, "resp": 0.3097028247083937 }, { "operator": "multiply", "arg_1": 1500, "arg_2": "#4", "resp": 464.5542370625906 }, { "operator": "divide", "arg_1": "#5", "arg_2": 300, "resp": 1.5485141235419686 }, { "operator": "greater", "arg_1": "#6", "arg_2": 0.7, "resp": "TRUE" }, { "operator": "if", "arg_1": "#7", "arg_2": "High", "resp": "High" } ], "program": [ "divide(26.99, 100)", "divide(#0, 365)", "add(1, #1)", "exponent(#2, 365)", "subtract(#3, 1)", "multiply(1500, #4)", "divide(#5, 300)", "greater(#6, 0.7)", "if(#7, High)" ], "question_tense": "THIRD", "financial_terms": [ "DAILY PERIODIC RATE", "CASH ADVANCE APR", "CONVENIENCE CHECK", "ACCOUNT BALANCE", "INTEREST ACCRUAL", "PROBABILITY CALCULATION", "365-DAY RATE BASIS", "CONDITIONAL FINANCIAL RULE", "EXPONENTIAL INTEREST CALCULATION", "DISCOVER CARD TERMS", "INTEREST THRESHOLD", "NO-PAYMENT SCENARIO" ], "credit_card": "Discover Near Prime Cardmember Agreement_061824-255535.md" }, { "question": "If the Prime Rate is 7.50%, what is the lowest and highest possible APR for a Discover Near Prime card's check if it is treated as a cash advance?", "ground_truth": "[14.24, 29.24]", "output_units": "%", "input_units": { "from_doc": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "subtract", "arg_1": 21.74, "arg_2": 7.5, "resp": 14.24 }, { "operator": "add", "arg_1": 21.74, "arg_2": 7.5, "resp": 29.24 } ], "program": [ "subtract(21.74, 7.5)", "add(21.74, 7.5)" ], "question_tense": "THIRD", "financial_terms": [ "PRIME RATE", "CASH ADVANCE APR", "CONVENIENCE CHECK", "APR RANGE", "DISCOVER CARD TERMS" ], "credit_card": "Discover Near Prime Cardmember Agreement_061824-255535.md" }, { "question": "A cardholder has a Direct Deposit APR of 22.24% and wants to estimate how long it will take for their balance to double if they make no payments. Assuming continuous compounding, how many months will it take?", "ground_truth": "37.40", "output_units": "month", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": 22.24, "arg_2": 100, "resp": 0.2224 }, { "operator": "divide", "arg_1": 0.693, "arg_2": "#0", "resp": 3.116007194244604 }, { "operator": "multiply", "arg_1": "#1", "arg_2": 12, "resp": 37.39208633093525 }, { "operator": "round", "arg_1": "#2", "arg_2": 2, "resp": 37.39 } ], "program": [ "divide(22.24, 100)", "divide(0.693, #0)", "multiply(#1, 12)", "round(#2, 2)" ], "question_tense": "THIRD", "financial_terms": [ "DIRECT DEPOSIT APR", "ACCOUNT BALANCE", "CONTINUOUS COMPOUNDING", "PAYOFF TIME", "CONTINUOUS COMPOUNDING INTEREST", "ROUNDING RULE", "BALANCE DOUBLING TIME", "NO-PAYMENT SCENARIO" ], "credit_card": "Wells Fargo Autograph Journey Visa® Card Agreement-442574.md" }, { "question": "Using the Wells Fargo Autograph Journey Card's specified APR for Balance Transfers of 23.24%. Assume hypothetically (despite what the credit card agreement may say) that there is a special promotion on this card that offers 0% APR on balance transfers for 12 months, after which the APR rate applies. If I make $4500 balance transfer and make monthly minimum payments of $25, how much would I have remaining in my balance for the APR rate to apply?", "ground_truth": "4200.00", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 1, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 1, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": 25, "arg_2": 12, "resp": 300 }, { "operator": "subtract", "arg_1": 4500, "arg_2": "#0", "resp": 4200 } ], "program": [ "multiply(25, 12)", "subtract(4500, #0)" ], "question_tense": "FIRST", "financial_terms": [ "PROMOTIONAL APR", "BALANCE TRANSFER APR", "MINIMUM PAYMENT", "ACCOUNT BALANCE", "MINIMUM PAYMENT FORMULA", "WELLS FARGO CARD TERMS", "MINIMUM-ONLY REPAYMENT", "PROMOTIONAL PERIOD REMAINING BALANCE", "ZERO PERCENT PROMOTIONAL APR", "POST-PROMOTIONAL APR" ], "credit_card": "Wells Fargo Autograph Journey Visa® Card Agreement-442574.md" }, { "question": "Using the Wells Fargo Autograph Journey Card, I have $1500 balance that I forgot to pay. As a result, a penalty APR imposed by the company of 29.99% is incurred. How much would I pay each month if I wanted to pay off the balance in 12 months of equal payments?", "ground_truth": "146.22", "output_units": "$", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 1, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 1, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": 29.99, "arg_2": 100, "resp": 0.2999 }, { "operator": "divide", "arg_1": "#0", "arg_2": 12, "resp": 0.024991666666666666 }, { "operator": "add", "arg_1": 1, "arg_2": "#1", "resp": 1.0249916666666667 }, { "operator": "exponent", "arg_1": "#2", "arg_2": 12, "resp": 1.3447576214474146 }, { "operator": "multiply", "arg_1": "#1", "arg_2": "#3", "resp": 0.033607734222673304 }, { "operator": "subtract", "arg_1": "#3", "arg_2": 1, "resp": 0.3447576214474146 }, { "operator": "divide", "arg_1": "#4", "arg_2": "#5", "resp": 0.0974822081715732 }, { "operator": "multiply", "arg_1": 1500, "arg_2": "#6", "resp": 146.2233122573598 }, { "operator": "round", "arg_1": "#7", "arg_2": 2, "resp": 146.22 } ], "program": [ "divide(29.99, 100)", "divide(#0, 12)", "add(1, #1)", "exponent(#2, 12)", "multiply(#1, #3)", "subtract(#3, 1)", "divide(#4, #5)", "multiply(1500, #6)", "round(#7, 2)" ], "question_tense": "FIRST", "financial_terms": [ "PENALTY APR", "ACCOUNT BALANCE", "PAYOFF TIME", "BALANCE PAYOFF", "ROUNDING RULE", "EXPONENTIAL INTEREST CALCULATION", "WELLS FARGO CARD TERMS" ], "credit_card": "Wells Fargo Autograph Journey Visa® Card Agreement-442574.md" }, { "question": "If the bank limits Overdraft Protection Cash Advance fees to $75, what is the maximum overdraft the cardholder can have on the cardholder's Visa Mastercard Platinum card, assuming the 5% fee applies?", "ground_truth": "1500.00", "output_units": "$", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "75", "arg_2": "0.05", "resp": 1500 } ], "program": [ "divide(75, 0.05)" ], "question_tense": "THIRD", "financial_terms": [ "CASH ADVANCE FEE", "VISA MASTERCARD TERMS", "PERCENTAGE-BASED FEE", "CASH ADVANCE FEE CAP" ], "credit_card": "Visa_Mastercard_Platinum_Siganture_World_Infinite_English-290260.md" }, { "question": "I notice a charge that I think is incorrect of $120 on my credit card bill and dispute it. However, my credit card company fails to follow the required procedures during the investigation. As a result, I qualify for an Error Investigation Penalty Waiver, meaning I do not have to pay up to $50, even if the charge was correct. How much do I now owe for the disputed charge?", "ground_truth": "70.00", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "min", "arg_1": "50", "arg_2": "120", "resp": 50 }, { "operator": "subtract", "arg_1": "120", "arg_2": "#0", "resp": 70 } ], "program": [ "min(50, 120)", "subtract(120, #0)" ], "question_tense": "FIRST", "financial_terms": [ "BILLING ERROR", "MINIMUM SELECTION", "DISPUTE AMOUNT THRESHOLD" ], "credit_card": "US_Bank_Elan_Financial.md" }, { "question": "A customer has $5,000 credit limit and a current balance of $2,000. They withdraw $1,500 from a financial institution, which incurs $75 fee (5%). The total amount is added to their balance. They plan to pay $400 per month until the balance is fully repaid. How many months will it take for their full credit limit to be available again?", "ground_truth": "10", "output_units": "month", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 4, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 4, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "1500", "arg_2": "0.05", "resp": 75 }, { "operator": "add", "arg_1": "2000", "arg_2": "1500", "resp": 3500 }, { "operator": "add", "arg_1": "#1", "arg_2": "#0", "resp": 3575 }, { "operator": "add", "arg_1": "#2", "arg_2": "0", "resp": 3575 }, { "operator": "add", "arg_1": "29.99", "arg_2": "0", "resp": 29.99 }, { "operator": "add", "arg_1": "400", "arg_2": "0", "resp": 400 }, { "operator": "loan_payoff_time", "arg_1": "#3", "arg_2": "#4", "arg_3": "#5", "resp": 10 } ], "program": [ "multiply(1500, 0.05)", "add(2000, 1500)", "add(#1, #0)", "add(#2, 0)", "add(29.99, 0)", "add(400, 0)", "loan_payoff_time(#3, #4, #5)" ], "question_tense": "THIRD", "financial_terms": [ "CASH ADVANCE FEE", "CREDIT LIMIT", "PAYOFF TIME", "MONTHLY PAYMENT", "CURRENT BALANCE", "FIXED DOLLAR FEE", "MONTHLY FEE" ], "credit_card": "US_Bank_Elan_Financial.md" }, { "question": "I notice $47 charge on my credit card statement that I believe is fraudulent. However, my credit card terms state that purchases must be over $50 to be eligible for a dispute. Can I file a dispute for this charge?", "ground_truth": "FALSE", "output_units": "binary", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "greater", "arg_1": "47", "arg_2": "50", "resp": "FALSE" }, { "operator": "if", "arg_1": "#0", "arg_2": "Yes", "arg_3": "No", "resp": "FALSE" } ], "program": [ "greater(47, 50)", "if(#0, Yes, No)" ], "question_tense": "FIRST", "financial_terms": [ "PURCHASE TRANSACTION", "RETURNED PAYMENT", "BILLING ERROR", "UNAUTHORIZED TRANSACTION LIABILITY", "CONDITIONAL FINANCIAL RULE", "CHASE CARD TERMS", "FRAUD CLAIM", "DISPUTE AMOUNT THRESHOLD" ], "credit_card": "US_Bank_Elan_Financial.md" }, { "question": "A $6,000 purchase accrues interest at an APR of 19.24% (DPR: 0.00052712). If $250 is paid monthly, how many months will it take to fully pay off the balance including interest?", "ground_truth": "33", "output_units": "month", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "loan_payoff_time", "arg_1": "6000", "arg_2": "19.24", "arg_3": "250", "resp": 33 } ], "program": [ "loan_payoff_time(6000, 19.24, 250)" ], "question_tense": "THIRD", "financial_terms": [ "DAILY PERIODIC RATE", "APR TO DPR CONVERSION", "PURCHASE APR", "ACCOUNT BALANCE", "PAYOFF TIME", "BALANCE PAYOFF", "CHASE CARD TERMS" ], "credit_card": "US_Bank_Elan_Financial.md" }, { "question": "A $5,000 balance is transferred to a credit card with an APR of 19.24% (DPR = 0.00052712). If $250 is paid each month and no new charges are added, how many months will it take to fully pay off the balance?", "ground_truth": "24", "output_units": "month", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "loan_payoff_time", "arg_1": "5000", "arg_2": "19.24", "arg_3": "250", "resp": 24 } ], "program": [ "loan_payoff_time(5000, 19.24, 250)" ], "question_tense": "THIRD", "financial_terms": [ "DAILY PERIODIC RATE", "APR TO DPR CONVERSION", "BALANCE TRANSFER APR", "ACCOUNT BALANCE", "PAYOFF TIME", "BALANCE PAYOFF" ], "credit_card": "US_Bank_Elan_Financial.md" }, { "question": "I have an outstanding balance of $1000 after I made some purchases with my credit card. How much more money will I have to pay in fees compared to the most creditworthy customers? Assume that I will pay the lower bound of APR specified in the credit card agreement?", "ground_truth": "10.62", "output_units": "$", "input_units": { "from_doc": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "15.99", "arg_2": "1200", "resp": 0.013325 }, { "operator": "multiply", "arg_1": "1000", "arg_2": "#0", "resp": 13.325 }, { "operator": "divide", "arg_1": "3.25", "arg_2": "1200", "resp": 0.0027083333333333334 }, { "operator": "multiply", "arg_1": "1000", "arg_2": "#2", "resp": 2.7083333333333335 }, { "operator": "subtract", "arg_1": "#1", "arg_2": "#3", "resp": 10.616666666666667 } ], "program": [ "divide(15.99, 1200)", "multiply(1000, #0)", "divide(3.25, 1200)", "multiply(1000, #2)", "subtract(#1, #3)" ], "question_tense": "FIRST", "financial_terms": [ "PRIME RATE", "PURCHASE APR", "OUTSTANDING BALANCE", "CREDITWORTHINESS PRICING", "CHASE CARD TERMS" ], "credit_card": "Starbucks Rewards Visa Signature Agreement.pdf-255606.md" }, { "question": "I made a purchase of $2000. How many months do I need to fail to pay min payment for it to become $1000. Assume that all fees and interest are added at the end of the 30-day billing cycle and the card issuer bases the new minimum payment on that total updated balance?", "ground_truth": "12", "output_units": "month", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 4, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "simulate_failure_to_pay", "arg_1": "2000, 29, 0.08217, 30, 40, 0.01, 1000", "arg_2": "1", "resp": 12 } ], "program": [ "simulate_failure_to_pay(2000, 29, 0.08217, 30, 40, 0.01, 1000, 1)" ], "question_tense": "FIRST", "financial_terms": [ "PURCHASE APR", "MINIMUM PAYMENT", "ACCOUNT BALANCE", "BILLING CYCLE", "PAYOFF TIME", "MINIMUM FEE RULE", "BILLING-CYCLE INTEREST", "MINIMUM PAYMENT FORMULA", "CHASE CARD TERMS" ], "credit_card": "Starbucks Rewards Visa Signature Agreement.pdf-255606.md" }, { "question": "A credit card offers to waive the balance transfer fees for the first $2,000 tranferred over to this card. Imagine a customer has already transferred $1,200 over to his current balance and plans on transferring over $100 every week. How many weeks will it be before he starts paying fees?", "ground_truth": "8", "output_units": "week", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "subtract", "arg_1": "2000", "arg_2": "1200", "resp": 800 }, { "operator": "divide", "arg_1": "#0", "arg_2": "100", "resp": 8 }, { "operator": "ceil", "arg_1": "#1", "arg_2": "1", "resp": 8 } ], "program": [ "subtract(2000, 1200)", "divide(#0, 100)", "ceil(#1, 1)" ], "question_tense": "THIRD", "financial_terms": [ "BALANCE TRANSFER FEE", "ACCOUNT BALANCE", "CURRENT BALANCE", "ROUND-UP RULE" ], "credit_card": "US_Bank_Personal_LOC.md" }, { "question": "A customer has a limit of $200 in foreign transaction fees. Assuming he spent $700 per week overseas, how long will it take him to reach that limit?", "ground_truth": "10", "output_units": "week", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "700", "arg_2": "0.03", "resp": 21 }, { "operator": "divide", "arg_1": "200", "arg_2": "#0", "resp": 9.523809523809524 }, { "operator": "ceil", "arg_1": "#1", "arg_2": "1", "resp": 10 } ], "program": [ "multiply(700, 0.03)", "divide(200, #0)", "ceil(#1, 1)" ], "question_tense": "THIRD", "financial_terms": [ "FOREIGN TRANSACTION FEE", "PAYOFF TIME", "TRANSACTION FEE CALCULATION", "ROUND-UP RULE" ], "credit_card": "US_Bank_Personal_LOC.md" }, { "question": "If a customer spends $15 a week, how long will it take for him to reach the Base Minimum Payment threshold?", "ground_truth": "4", "output_units": "week", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "50", "arg_2": "15", "resp": 3.3333333333333335 }, { "operator": "ceil", "arg_1": "#0", "arg_2": "1", "resp": 4 } ], "program": [ "divide(50, 15)", "ceil(#0, 1)" ], "question_tense": "THIRD", "financial_terms": [ "MINIMUM PAYMENT", "PAYOFF TIME", "MINIMUM PAYMENT FORMULA", "ROUND-UP RULE" ], "credit_card": "US_Bank_Personal_LOC.md" }, { "question": "If a customer withdraws $300 today and plans to do the same every 15 days, how many weeks will it take before they have paid $100 in ATM Fees?", "ground_truth": "9", "output_units": "week", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "300", "arg_2": "0.04", "resp": 12 }, { "operator": "max", "arg_1": "#0", "arg_2": "10", "resp": 12 }, { "operator": "divide", "arg_1": "100", "arg_2": "#1", "resp": 8.333333333333334 }, { "operator": "ceil", "arg_1": "#2", "arg_2": "1", "resp": 9 } ], "program": [ "multiply(300, 0.04)", "max(#0, 10)", "divide(100, #1)", "ceil(#2, 1)" ], "question_tense": "THIRD", "financial_terms": [ "CASH ADVANCE FEE", "ATM CASH ADVANCE", "ROUND-UP RULE", "MAXIMUM SELECTION" ], "credit_card": "US_Bank_Personal_LOC.md" }, { "question": "If I have $5000 balance on my credit card with an APR of 15% and plan to pay $1000 per month toward the outstanding balance, how much total interest will I have to pay that wasn't a part of the inital balance? Assume daily compounding interest?", "ground_truth": "194.66", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "calculate_total_interest", "arg_1": "5000, 0.15, 1000, 365", "arg_2": "1", "resp": 194.66 } ], "program": [ "calculate_total_interest(5000, 0.15, 1000, 365, 1)" ], "question_tense": "FIRST", "financial_terms": [ "VARIABLE APR", "ACCOUNT BALANCE", "DAILY COMPOUNDING", "INTEREST ACCRUAL", "DAILY COMPOUNDING INTEREST", "MONTHLY PAYMENT", "OUTSTANDING BALANCE", "365-DAY RATE BASIS" ], "credit_card": "nfcu_573CC_3-24-461850.md" }, { "question": "A customer spends $2 daily on a McChicken and $12 daily on a Chipotle Bowl, plus $1,200 weekly on groceries at Costco. The billing cycle is 30 days, and the credit card APR is 18%. Assume the customer makes no payments and interest is compounded monthly on the entire balance for the cycle. How much interest will they be charged for the billing cycle?", "ground_truth": "83.44", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 1, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 1, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "add", "arg_1": "2", "arg_2": "12", "resp": 14 }, { "operator": "multiply", "arg_1": "#0", "arg_2": "30", "resp": 420 }, { "operator": "divide", "arg_1": "30", "arg_2": "7", "resp": 4.285714285714286 }, { "operator": "multiply", "arg_1": "1200", "arg_2": "#2", "resp": 5142.857142857143 }, { "operator": "add", "arg_1": "#1", "arg_2": "#3", "resp": 5562.857142857143 }, { "operator": "divide", "arg_1": "18", "arg_2": "100", "resp": 0.18 }, { "operator": "divide", "arg_1": "#5", "arg_2": "12", "resp": 0.015 }, { "operator": "multiply", "arg_1": "#4", "arg_2": "#6", "resp": 83.44285714285715 }, { "operator": "round", "arg_1": "#7", "arg_2": "2", "resp": 83.44 } ], "program": [ "add(2, 12)", "multiply(#0, 30)", "divide(30, 7)", "multiply(1200, #2)", "add(#1, #3)", "divide(18, 100)", "divide(#5, 12)", "multiply(#4, #6)", "round(#7, 2)" ], "question_tense": "THIRD", "financial_terms": [ "PURCHASE APR", "ACCOUNT BALANCE", "BILLING CYCLE", "MONTHLY COMPOUNDING", "MONTHLY COMPOUNDING INTEREST", "THIRTY-DAY INTEREST", "BILLING-CYCLE INTEREST", "ROUNDING RULE", "COSTCO CARD TERMS", "NO-PAYMENT SCENARIO", "GROCERY REWARD CATEGORY" ], "credit_card": "Aer Lingus Visa Signature Agreement.pdf-255602.md" }, { "question": "If the current Prime Rate is 8.00%, what is the lowest possible APR for Pay Over Time?", "ground_truth": "20.74", "output_units": "%", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "add", "arg_1": "8.00", "arg_2": "12.74", "resp": 20.74 } ], "program": [ "add(8.00, 12.74)" ], "question_tense": "THIRD", "financial_terms": [ "PRIME RATE", "PAY OVER TIME APR" ], "credit_card": "American Express Gold Card Cardmember Agreement-255468.md" }, { "question": "If the Prime Rate increases from 8.50% to 9.25%, by how many percentage points will the APR for Pay Over Time increase?", "ground_truth": "0.75", "output_units": "%", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "subtract", "arg_1": "8.75", "arg_2": "8.00", "resp": 0.75 } ], "program": [ "subtract(8.75, 8.00)" ], "question_tense": "THIRD", "financial_terms": [ "PRIME RATE", "PAY OVER TIME APR" ], "credit_card": "American Express Gold Card Cardmember Agreement-255468.md" }, { "question": "If I initiate an ACH transfer of $200, will my fee be bigger than $10?", "ground_truth": "FALSE", "output_units": "binary", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "3", "arg_2": "100", "resp": 0.03 }, { "operator": "multiply", "arg_1": "200", "arg_2": "#0", "resp": 6.0 }, { "operator": "max", "arg_1": "#1", "arg_2": "5", "resp": 6.0 }, { "operator": "greater", "arg_1": "#2", "arg_2": "10", "resp": "FALSE" } ], "program": [ "divide(3, 100)", "multiply(200, #0)", "max(#1, 5)", "greater(#2, 10)" ], "question_tense": "FIRST", "financial_terms": [ "ACH TRANSFER", "MINIMUM PAYMENT", "MAXIMUM SELECTION" ], "credit_card": "Barclaycard_combined.md" }, { "question": "If I were to have a 800 credit score and have no history of any late payments on any sorts of loans or have never missed paying my balance, would I be able to increase my daily spending credit limit which is currently at 5000 dollars? (NOTE: Assuming the bank or credit card issuer allows this and has policies for this some cards have fixed rates)?", "ground_truth": "TRUE", "output_units": "binary", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 1, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 1, "categorical": 0 } }, "steps": [ { "operator": "not", "arg_1": "no", "resp": "TRUE" } ], "program": [ "not(no)" ], "question_tense": "FIRST", "financial_terms": [ "LATE PAYMENT", "ACCOUNT BALANCE", "CREDIT LIMIT", "CREDIT TIER", "CREDIT-SCORE APR TIER", "LOAN REPAYMENT" ], "credit_card": "Barclaycard_combined.md" }, { "question": "I have a outstanding balance of $500. If I have 4 declined transactions over the last few days how much in total will I owe the bank including the balance? The fee for declined transactions is $20 per transaction?", "ground_truth": "580.00", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 1 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 1 } }, "steps": [ { "operator": "multiply", "arg_1": "4", "arg_2": "20", "resp": 80.0 }, { "operator": "add", "arg_1": "500", "arg_2": "#0", "resp": 580.0 } ], "program": [ "multiply(4, 20)", "add(500, #0)" ], "question_tense": "FIRST", "financial_terms": [ "CREDIT CARD AGREEMENT TERM", "DECLINED TRANSACTION CHARGE", "OUTSTANDING BALANCE", "PER-TRANSACTION FEE" ], "credit_card": "Barclaycard_combined.md" }, { "question": "I recently went on a trip to Japan and took along 500 dollars as a loan from my credit. I used the bank's currency conversation to convert it to YEN however it had a fee. When I was in Japan I spent the converted ammount and then also incurred a foreign transaction fee. I spent the entire remaining converted amount of the 500 dollars in Japan. Assuming I planned on contributing 50 dollars a month to pay back the loan how long would it take in months? 22.49% APR, 2% currency exchange fee, 3% foreign transaction fee?", "ground_truth": "12", "output_units": "month", "input_units": { "from_doc": { "%": 3, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 3, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "500", "arg_2": "0.02", "resp": 10.0 }, { "operator": "multiply", "arg_1": "500", "arg_2": "0.03", "resp": 15.0 }, { "operator": "add", "arg_1": "#0", "arg_2": "#1", "resp": 25.0 }, { "operator": "add", "arg_1": "500", "arg_2": "#2", "resp": 525.0 }, { "operator": "divide", "arg_1": "22.49", "arg_2": "12", "resp": 1.8741666666666665 }, { "operator": "divide", "arg_1": "#4", "arg_2": "100", "resp": 0.018741666666666667 }, { "operator": "multiply", "arg_1": "#3", "arg_2": "#5", "resp": 9.839375 }, { "operator": "divide", "arg_1": "#6", "arg_2": "50", "resp": 0.1967875 }, { "operator": "subtract", "arg_1": "1", "arg_2": "#7", "resp": 0.8032125 }, { "operator": "log10", "arg_1": "#8", "resp": -0.09516954143563254 }, { "operator": "multiply", "arg_1": "-1", "arg_2": "#9", "resp": 0.09516954143563254 }, { "operator": "add", "arg_1": "1", "arg_2": "#5", "resp": 1.0187416666666667 }, { "operator": "log10", "arg_1": "#11", "resp": 0.008064069222403832 }, { "operator": "divide", "arg_1": "#10", "arg_2": "#12", "resp": 11.801677144738509 }, { "operator": "ceil", "arg_1": "#13", "resp": 12.0 } ], "program": [ "multiply(500, 0.02)", "multiply(500, 0.03)", "add(#0, #1)", "add(500, #2)", "divide(22.49, 12)", "divide(#4, 100)", "multiply(#3, #5)", "divide(#6, 50)", "subtract(1, #7)", "log10(#8)", "multiply(-1, #9)", "add(1, #5)", "log10(#11)", "divide(#10, #12)", "ceil(#13)" ], "question_tense": "FIRST", "financial_terms": [ "CASH ADVANCE APR", "CASH ADVANCE FEE", "PURCHASE APR", "FOREIGN TRANSACTION FEE", "PAYOFF TIME", "LOAN REPAYMENT", "TRANSACTION FEE CALCULATION", "CONVERTED TRANSACTION AMOUNT", "ROUND-UP RULE", "LOGARITHMIC PAYOFF CALCULATION", "FOREIGN FEE ON CONVERTED AMOUNT" ], "credit_card": "Barclaycard_combined.md" }, { "question": "The cardholder loses the cardholder's debit card and does not notice it for 12 days. During this time, unauthorized transactions totaling $600 are made? Under the Electronic Fund Transfer Act (EFTA), if fraud is reported within 2 business days, liability is $50; if reported within 60 days, liability is $500. How much will the cardholder owe not covered by the bank?", "ground_truth": "500.00", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 2, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 1, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 3, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "less", "arg_1": "12", "arg_2": "2", "resp": "FALSE" }, { "operator": "min", "arg_1": "50", "arg_2": "600", "resp": 50.0 }, { "operator": "if", "arg_1": "#0", "arg_2": "#1", "arg_3": "600", "resp": 600.0 }, { "operator": "less", "arg_1": "12", "arg_2": "60", "resp": "TRUE" }, { "operator": "min", "arg_1": "500", "arg_2": "600", "resp": 500.0 }, { "operator": "if", "arg_1": "#3", "arg_2": "#4", "arg_3": "#2", "resp": 500.0 } ], "program": [ "less(12, 2)", "min(50, 600)", "if(#0, #1, 600)", "less(12, 60)", "min(500, 600)", "if(#3, #4, #2)" ], "question_tense": "THIRD", "financial_terms": [ "UNAUTHORIZED TRANSACTION LIABILITY", "MINIMUM SELECTION", "CONDITIONAL FINANCIAL RULE", "FIFTY-DOLLAR LIABILITY LIMIT", "FRAUD CLAIM" ], "credit_card": "Barclaycard_combined.md" }, { "question": "I am one of the most creditworthy customers. I have a balance on my credit card of $2000, and I plan to pay $200 every month. How much time is it going to take me to pay it off? The prime rate is 8.5%?", "ground_truth": "10.5", "output_units": "month", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "8.5", "arg_2": "12", "resp": 0.7083333333333334 }, { "operator": "divide", "arg_1": "#0", "arg_2": "100", "resp": 0.007083333333333334 }, { "operator": "multiply", "arg_1": "#1", "arg_2": "2000", "resp": 14.166666666666668 }, { "operator": "subtract", "arg_1": "200", "arg_2": "#2", "resp": 185.83333333333334 }, { "operator": "divide", "arg_1": "200", "arg_2": "#3", "resp": 1.0762 }, { "operator": "ln", "arg_1": "#4", "resp": 0.0735 }, { "operator": "add", "arg_1": "1", "arg_2": "#1", "resp": 1.0070833333333333 }, { "operator": "ln", "arg_1": "#6", "resp": 0.00706 }, { "operator": "divide", "arg_1": "#5", "arg_2": "#7", "resp": 10.41 } ], "program": [ "divide(8.5, 12)", "divide(#0, 100)", "multiply(#1, 2000)", "subtract(200, #2)", "divide(200, #3)", "ln(#4)", "add(1, #1)", "ln(#6)", "divide(#5, #7)" ], "question_tense": "FIRST", "financial_terms": [ "PRIME RATE", "CREDITWORTHINESS PRICING", "LOGARITHMIC PAYOFF CALCULATION" ], "credit_card": "Barclaycard_combined.md" }, { "question": "I have a outsanding biling statement of 500 dollars for around 7 months. How much will I end up paying given a administrative charge?", "ground_truth": "505.00", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 1, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 1, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "less", "arg_1": "7", "arg_2": "25", "resp": "TRUE" }, { "operator": "add", "arg_1": "500", "arg_2": "5", "resp": 505 }, { "operator": "add", "arg_1": "500", "arg_2": "10", "resp": 510 }, { "operator": "if", "arg_1": "#0", "arg_2": "#1", "arg_3": "#2", "resp": 505 } ], "program": [ "less(7, 25)", "add(500, 5)", "add(500, 10)", "if(#0, #1, #2)" ], "question_tense": "FIRST", "financial_terms": [ "ADMINISTRATIVE FEE", "CONDITIONAL FINANCIAL RULE", "ADMINISTRATIVE CHARGE" ], "credit_card": "Barclaycard_combined.md" }, { "question": "If I make a one month late payment on $500 bill consisting of a money order, what percentage of the bill is due to extra costs? The purchase APR is 24%, the cash equivalent fee is 5%, and the late payment fee is $25?", "ground_truth": "9", "output_units": "%", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 2, "month": 1, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 1, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "5", "arg_2": "100", "resp": 0.05 }, { "operator": "divide", "arg_1": "24", "arg_2": "12", "resp": 2 }, { "operator": "divide", "arg_1": "#1", "arg_2": "100", "resp": 0.02 }, { "operator": "multiply", "arg_1": "500", "arg_2": "#0", "resp": 25 }, { "operator": "multiply", "arg_1": "#3", "arg_2": "add(1, #2)", "resp": 25.5 }, { "operator": "add", "arg_1": "#4", "arg_2": "25", "resp": 50.5 }, { "operator": "multiply", "arg_1": "500", "arg_2": "add(1, #0)", "resp": 525 }, { "operator": "multiply", "arg_1": "#6", "arg_2": "add(1, #2)", "resp": 535.5 }, { "operator": "add", "arg_1": "#7", "arg_2": "25", "resp": 560.5 }, { "operator": "divide", "arg_1": "#5", "arg_2": "#8", "resp": 0.09009812667261374 }, { "operator": "multiply", "arg_1": "#9", "arg_2": "100", "resp": 9.009812667261375 }, { "operator": "floor", "arg_1": "add(#10, 0.5)", "resp": 9 } ], "program": [ "divide(5, 100)", "divide(24, 12)", "divide(#1, 100)", "multiply(500, #0)", "multiply(#3, add(1, #2))", "add(#4, 25)", "multiply(500, add(1, #0))", "multiply(#6, add(1, #2))", "add(#7, 25)", "divide(#5, #8)", "multiply(#9, 100)", "floor(add(#10, 0.5))" ], "question_tense": "FIRST", "financial_terms": [ "CASH ADVANCE APR", "CASH ADVANCE FEE", "PURCHASE APR", "LATE PAYMENT FEE", "PERCENTAGE CALCULATION", "CASH EQUIVALENT TRANSACTION", "MONEY ORDER TRANSACTION", "ROUND-DOWN RULE", "CHASE CARD TERMS" ], "credit_card": "Barclaycard_combined.md" }, { "question": "Is the late fee different for varying ranges of how late it is, for example, 45 days vs 1 day?", "ground_truth": "FALSE", "output_units": "binary", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 2, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 2, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "equal", "arg_1": "41", "arg_2": "41", "resp": "TRUE" }, { "operator": "not", "arg_1": "#0", "resp": "FALSE" } ], "program": [ "equal(41, 41)", "not(#0)" ], "question_tense": "THIRD", "financial_terms": [ "LATE PAYMENT FEE", "ONE-DAY INTEREST" ], "credit_card": "Capital One - Credit Card Agreement for Visa Signature and World Mastercard Cards-255666.md" }, { "question": "Let's say 2 out of 10 merchants decline the cardholder's card in a day and this pattern continues for 5 days, how many total successful uses would the cardholder have across all days?", "ground_truth": "40", "output_units": "transaction", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 1, "year": 0, "$": 0, "binary": 0, "categorical": 2 }, "total": { "%": 0, "month": 0, "day": 1, "year": 0, "$": 0, "binary": 0, "categorical": 2 } }, "steps": [ { "operator": "subtract", "arg_1": "10", "arg_2": "2", "resp": 8 }, { "operator": "multiply", "arg_1": "#0", "arg_2": "5", "resp": 40 } ], "program": [ "subtract(10, 2)", "multiply(#0, 5)" ], "question_tense": "THIRD", "financial_terms": [ "CREDIT CARD AGREEMENT TERM" ], "credit_card": "Capital One - Credit Card Agreement for Visa Signature and World Mastercard Cards-255666.md" }, { "question": "If the cardholder has 3 segments: $500 at 18.99%, $500 at 20%, $500 at 29.74%, and the cardholder pays $2,000 in one go, by by how much has the cardholder overpaid the balance?", "ground_truth": "500.00", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 4, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 4, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "add", "arg_1": "500", "arg_2": "500", "resp": 1000 }, { "operator": "add", "arg_1": "#0", "arg_2": "500", "resp": 1500 }, { "operator": "subtract", "arg_1": "2000", "arg_2": "#1", "resp": 500 } ], "program": [ "add(500, 500)", "add(#0, 500)", "subtract(2000, #1)" ], "question_tense": "THIRD", "financial_terms": [ "CREDIT CARD AGREEMENT TERM", "BALANCE OVERPAYMENT" ], "credit_card": "Capital One - Credit Card Agreement for Visa Signature and World Mastercard Cards-255666.md" }, { "question": "Say I have $3,500 balance on my credit card with an APR of 28.99%, compounded daily. If I continue making $250 monthly payments, how much total interest will I have paid by the time the balance reaches zero?", "ground_truth": "821.56", "output_units": "$", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 2, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 2, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "28.99", "arg_2": "365", "resp": 0.07942465753424657 }, { "operator": "divide", "arg_1": "#0", "arg_2": "100", "resp": 0.0007942465753424657 }, { "operator": "add", "arg_1": "1", "arg_2": "#1", "resp": 1.0007942465753425 }, { "operator": "exp", "arg_1": "#2", "arg_2": "31", "resp": 2.7204416721027824 }, { "operator": "subtract", "arg_1": "#3", "arg_2": "1", "resp": 1.7204416721027824 }, { "operator": "multiply", "arg_1": "3500", "arg_2": "#4", "resp": 6021.545852359738 }, { "operator": "divide", "arg_1": "#5", "arg_2": "250", "resp": 24.086183409438952 }, { "operator": "subtract", "arg_1": "1", "arg_2": "#6", "resp": -23.086183409438952 }, { "operator": "ln", "arg_1": "#7", "resp": -0.4275 }, { "operator": "ln", "arg_1": "#3", "resp": 1.0007942465753425 }, { "operator": "divide", "arg_1": "#8", "arg_2": "#9", "resp": -0.4271607290538282 }, { "operator": "multiply", "arg_1": "#10", "arg_2": "-1", "resp": 0.4271607290538282 }, { "operator": "multiply", "arg_1": "250", "arg_2": "#11", "resp": 106.79018226345704 }, { "operator": "subtract", "arg_1": "#12", "arg_2": "3500", "resp": -3393.209817736543 }, { "operator": "subtract", "arg_1": "#13", "arg_2": "30.94", "resp": -3424.149817736543 } ], "program": [ "divide(28.99, 365)", "divide(#0, 100)", "add(1, #1)", "exp(#2, 31)", "subtract(#3, 1)", "multiply(3500, #4)", "divide(#5, 250)", "subtract(1, #6)", "ln(#7)", "ln(#3)", "divide(#8, #9)", "multiply(#10, -1)", "multiply(250, #11)", "subtract(#12, 3500)", "subtract(#13, 30.94)" ], "question_tense": "FIRST", "financial_terms": [ "PURCHASE APR", "ACCOUNT BALANCE", "DAILY COMPOUNDING", "INTEREST ACCRUAL", "DAILY COMPOUNDING INTEREST", "MONTHLY PAYMENT", "365-DAY RATE BASIS", "LOGARITHMIC PAYOFF CALCULATION", "EXPONENTIAL INTEREST CALCULATION" ], "credit_card": "Capital One - Credit Card Agreement for Visa Signature and World Mastercard Cards-255666.md" }, { "question": "Is it financially better to pay the annual fee of $395 instead of getting a 10% rebate on a total balance of $1500 at 0% APR?", "ground_truth": "FALSE", "output_units": "binary", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "1500", "arg_2": "0.10", "resp": 150 }, { "operator": "greater", "arg_1": "395", "arg_2": "#0", "resp": "TRUE" }, { "operator": "not", "arg_1": "#1", "resp": "FALSE" } ], "program": [ "multiply(1500, 0.10)", "greater(395, #0)", "not(#1)" ], "question_tense": "THIRD", "financial_terms": [ "PROMOTIONAL APR", "ANNUAL FEE", "TOTAL BALANCE", "ANNUALIZED FEE", "ZERO PERCENT PROMOTIONAL APR" ], "credit_card": "Capital One - Credit Card Agreement for Visa Signature and World Mastercard Cards-255666.md" }, { "question": "Let's say the cardholder pays the annual membership fee of $395 on day 1 of the billing cycle and carries a balance of $2,000 at 20% APR for 1 month (30 days) with daily compounding then essentially how much interest does the cardholder owe that month, let's not include the membership fee in it?", "ground_truth": "33.12", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 1, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 1, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 2, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "20", "arg_2": "100", "resp": 0.2 }, { "operator": "divide", "arg_1": "#0", "arg_2": "365", "resp": 0.000547945205 }, { "operator": "add", "arg_1": "1", "arg_2": "#1", "resp": 1.0005479452 }, { "operator": "ln", "arg_1": "#2", "resp": 0.0005479 }, { "operator": "multiply", "arg_1": "#3", "arg_2": "30", "resp": 0.016437 }, { "operator": "exp", "arg_1": "#4", "resp": 1.016561 }, { "operator": "subtract", "arg_1": "#5", "arg_2": "1", "resp": 0.016561 }, { "operator": "multiply", "arg_1": "2000", "arg_2": "#6", "resp": 33.122 } ], "program": [ "divide(20, 100)", "divide(#0, 365)", "add(1, #1)", "ln(#2)", "multiply(#3, 30)", "exp(#4)", "subtract(#5, 1)", "multiply(2000, #6)" ], "question_tense": "THIRD", "financial_terms": [ "PROMOTIONAL APR", "ANNUAL FEE", "ACCOUNT BALANCE", "DAILY COMPOUNDING", "DAILY COMPOUNDING INTEREST", "THIRTY-DAY INTEREST", "365-DAY RATE BASIS", "LOGARITHMIC PAYOFF CALCULATION", "EXPONENTIAL INTEREST CALCULATION", "ANNUALIZED FEE", "ZERO PERCENT PROMOTIONAL APR" ], "credit_card": "Capital One - Credit Card Agreement for Visa Signature and World Mastercard Cards-255666.md" }, { "question": "Let's say the cardholder wants to use a new address for the next statement cycle in 30 days with the agreement having a lead time, how many days does the cardholder have left to update?", "ground_truth": "20", "output_units": "day", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 1, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 1, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 2, "year": 0, "$": 0, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "subtract", "arg_1": "30", "arg_2": "10", "resp": 20 } ], "program": [ "subtract(30, 10)" ], "question_tense": "THIRD", "financial_terms": [ "PAYOFF TIME", "THIRTY-DAY INTEREST", "NOTICE PERIOD", "STATEMENT CYCLE", "ADDRESS CHANGE LEAD TIME" ], "credit_card": "Capital One - Credit Card Agreement for Visa Signature and World Mastercard Cards-255666.md" }, { "question": "Two customers, Alice and Bob, each transfer $6,000 to a new card. Alice transfers during the promotional period (3% fee), while Bob transfers after it ends (5% fee). How much more does Bob pay in fees than Alice?", "ground_truth": "120.00", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "3", "arg_2": "100", "resp": 0.03 }, { "operator": "multiply", "arg_1": "6000", "arg_2": "#0", "resp": 180.0 }, { "operator": "divide", "arg_1": "5", "arg_2": "100", "resp": 0.05 }, { "operator": "multiply", "arg_1": "6000", "arg_2": "#2", "resp": 300.0 }, { "operator": "subtract", "arg_1": "#3", "arg_2": "#1", "resp": 120.0 } ], "program": [ "divide(3, 100)", "multiply(6000, #0)", "divide(5, 100)", "multiply(6000, #2)", "subtract(#3, #1)" ], "question_tense": "THIRD", "financial_terms": [ "PROMOTIONAL APR", "BALANCE TRANSFER FEE", "ACH TRANSFER", "PERCENTAGE-BASED FEE" ], "credit_card": "CitiRewardsStudent_combined.md" }, { "question": "Using the rule of 72, how many years will it take for a card holders purchase balance to double? Assume a purchase APR of 20%?", "ground_truth": "3.6", "output_units": "year", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "72", "arg_2": "20", "resp": 3.6 } ], "program": [ "divide(72, 20)" ], "question_tense": "THIRD", "financial_terms": [ "PURCHASE APR", "CHASE CARD TERMS", "BALANCE DOUBLING TIME", "RULE OF 72" ], "credit_card": "CitiStrataPremier.md" }, { "question": "If I got a returned payment fee in January and got one today in May, will the fee be $41?", "ground_truth": "TRUE", "output_units": "binary", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 2 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 2 } }, "steps": [ { "operator": "month_number", "arg_1": "January", "resp": 1 }, { "operator": "month_number", "arg_1": "May", "resp": 5 }, { "operator": "subtract", "arg_1": "#1", "arg_2": "#0", "resp": 4 }, { "operator": "greater", "arg_1": "#2", "arg_2": "6", "resp": "FALSE" }, { "operator": "equal", "arg_1": "41", "arg_2": "30", "resp": "FALSE" }, { "operator": "equal", "arg_1": "41", "arg_2": "41", "resp": "TRUE" }, { "operator": "if", "arg_1": "#3", "arg_2": "#4", "arg_3": "#5", "resp": "TRUE" } ], "program": [ "month_number(January)", "month_number(May)", "subtract(#1, #0)", "greater(#2, 6)", "equal(41, 30)", "equal(41, 41)", "if(#3, #4, #5)" ], "question_tense": "FIRST", "financial_terms": [ "RETURNED PAYMENT FEE", "CONDITIONAL FINANCIAL RULE" ], "credit_card": "CostcoAnywhereVisa.md" }, { "question": "If the prime rate increases 5%, how much interest am I paying over the course of the month of October on $1000 purchase?", "ground_truth": "21.88", "output_units": "$", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 1 }, "total": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 1 } }, "steps": [ { "operator": "add", "arg_1": "5", "arg_2": "20.49", "resp": 25.49 }, { "operator": "divide", "arg_1": "#0", "arg_2": "36500", "resp": 0.0006983561643835616 }, { "operator": "add", "arg_1": "1", "arg_2": "#1", "resp": 1.0006983561643836 }, { "operator": "days_in_month", "arg_1": "October", "resp": 31 }, { "operator": "exponent", "arg_1": "#2", "arg_2": "#3", "resp": 1.02188 }, { "operator": "subtract", "arg_1": "#4", "arg_2": "1", "resp": 0.02188 }, { "operator": "multiply", "arg_1": "1000", "arg_2": "#5", "resp": 21.88 }, { "operator": "round", "arg_1": "#6", "arg_2": "2", "resp": 21.88 } ], "program": [ "add(5, 20.49)", "divide(#0, 36500)", "add(1, #1)", "days_in_month(October)", "exponent(#2, #3)", "subtract(#4, 1)", "multiply(1000, #5)", "round(#6, 2)" ], "question_tense": "THIRD", "financial_terms": [ "PRIME RATE", "PURCHASE APR", "ROUNDING RULE", "365-DAY RATE BASIS", "EXPONENTIAL INTEREST CALCULATION", "CHASE CARD TERMS" ], "credit_card": "CostcoAnywhereVisa.md" }, { "question": "If processing time increases by 10% over the expected 24 hours, how many hours does it take?", "ground_truth": "26.4", "output_units": "hour", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "24", "arg_2": "1.10", "resp": 26.4 } ], "program": [ "multiply(24, 1.10)" ], "question_tense": "THIRD", "financial_terms": [ "UNAUTHORIZED TRANSACTION LIABILITY" ], "credit_card": "Discover Secured Cardmember Agreement_061824-255534.md" }, { "question": "A customer's balance is $1,200 for 15 days and then decreases to $800 for 15 days in a 30-day cycle. What is the weighted average balance?", "ground_truth": "1000.00", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 2, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 2, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "1200", "arg_2": "15", "resp": 18000.0 }, { "operator": "multiply", "arg_1": "800", "arg_2": "15", "resp": 12000.0 }, { "operator": "add", "arg_1": "#0", "arg_2": "#1", "resp": 30000.0 }, { "operator": "divide", "arg_1": "#2", "arg_2": "30", "resp": 1000.0 } ], "program": [ "multiply(1200, 15)", "multiply(800, 15)", "add(#0, #1)", "divide(#2, 30)" ], "question_tense": "THIRD", "financial_terms": [ "CREDIT CARD AGREEMENT TERM", "WEIGHTED BALANCE METHOD" ], "credit_card": "Discover Secured Cardmember Agreement_061824-255534.md" }, { "question": "The agreement states that stop payments remain valid for six months unless renewed by the customer. If a customer requests a stop payment on March 12, 2025, what is the final month by which the stop payment remains valid without renewal?", "ground_truth": "September", "output_units": "categorical", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 1, "day": 1, "year": 1, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 1, "day": 1, "year": 1, "$": 0, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "month_number", "arg_1": "March", "resp": 3 }, { "operator": "add", "arg_1": "#0", "arg_2": "6", "resp": 9 }, { "operator": "month_name", "arg_1": "#1", "resp": "September" } ], "program": [ "month_number(March)", "add(#0, 6)", "month_name(#1)" ], "question_tense": "THIRD", "financial_terms": [ "CHECK STOP PAYMENT FEE" ], "credit_card": "GAPCobrand_combined.md" }, { "question": "A cardmember makes a foreign purchase of EUR 400. With an exchange rate of 1.2 USD per EUR, the transaction converts to U.S. dollars before the fee is applied. Given that the foreign transaction fee is 3% of the converted amount, calculate the fee in dollars?", "ground_truth": "14.40", "output_units": "$", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "400", "arg_2": "1.2", "resp": 480.0 }, { "operator": "divide", "arg_1": "3", "arg_2": "100", "resp": 0.03 }, { "operator": "multiply", "arg_1": "#0", "arg_2": "#1", "resp": 14.4 }, { "operator": "round", "arg_1": "#2", "arg_2": "2", "resp": 14.4 } ], "program": [ "multiply(400, 1.2)", "divide(3, 100)", "multiply(#0, #1)", "round(#2, 2)" ], "question_tense": "THIRD", "financial_terms": [ "PURCHASE TRANSACTION", "FOREIGN TRANSACTION FEE", "CURRENCY CONVERSION", "EXCHANGE RATE CONVERSION", "USD CONVERSION", "TRANSACTION FEE CALCULATION", "CONVERTED TRANSACTION AMOUNT", "ROUNDING RULE", "CHASE CARD TERMS", "PERCENTAGE-BASED FEE", "FOREIGN FEE ON CONVERTED AMOUNT" ], "credit_card": "GAPCobrand_combined.md" }, { "question": "If an Iowa resident's APR is capped at a maximum of 29.99%, can their Monthly Periodic Rate (MPR) exceed 2.4992%?", "ground_truth": "FALSE", "output_units": "binary", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "29.99", "arg_2": "12", "resp": 2.4991666666666665 }, { "operator": "greater", "arg_1": "#0", "arg_2": "2.4992", "resp": "FALSE" } ], "program": [ "divide(29.99, 12)", "greater(#0, 2.4992)" ], "question_tense": "THIRD", "financial_terms": [ "MONTHLY PERIODIC RATE", "FEE CAP", "STATE-SPECIFIC RATE CAP", "IOWA APR CAP" ], "credit_card": "GAPCobrand_combined.md" }, { "question": "True or False: According to the credit card agreement, missing an Easy Pay payment can result in the loss of promotional interest rates of 3%?", "ground_truth": "TRUE", "output_units": "binary", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "greater", "arg_1": "1", "arg_2": "0", "resp": "TRUE" } ], "program": [ "greater(1, 0)" ], "question_tense": "THIRD", "financial_terms": [ "PROMOTIONAL APR", "LATE PAYMENT", "PAYMENT PLAN", "EASY PAY APR", "TRUE FALSE FINANCIAL RULE", "PROMOTIONAL INTEREST RATE", "PROMOTIONAL RATE FORFEITURE" ], "credit_card": "GAPCobrand_combined.md" }, { "question": "A servicemember borrows $3,000 under the MLA with a maximum APR of 36%. Assuming daily compounding interest and no payments made during the loan term, how many days will it take for the balance to grow to $4,000?", "ground_truth": 292, "output_units": "day", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "36", "arg_2": "100", "resp": 0.36 }, { "operator": "divide", "arg_1": "#0", "arg_2": "365", "resp": 0.0009863013698630137 }, { "operator": "add", "arg_1": "1", "arg_2": "#1", "resp": 1.000986301369863 }, { "operator": "divide", "arg_1": "4000", "arg_2": "3000", "resp": 1.3333333333333333 }, { "operator": "ln", "arg_1": "#2", "resp": 0.0009858152942520046 }, { "operator": "ln", "arg_1": "#3", "resp": 0.28768207245178085 }, { "operator": "divide", "arg_1": "#5", "arg_2": "#4", "resp": 291.8214741941714 }, { "operator": "ceil", "arg_1": "#6", "resp": 292 } ], "program": [ "divide(36, 100)", "divide(#0, 365)", "add(1, #1)", "divide(4000, 3000)", "ln(#2)", "ln(#3)", "divide(#5, #4)", "ceil(#6)" ], "question_tense": "THIRD", "financial_terms": [ "DAILY PERIODIC RATE", "ACCOUNT BALANCE", "MILITARY LENDING APR", "DAILY COMPOUNDING", "PAYOFF TIME", "MAXIMUM APR TEST", "DAILY COMPOUNDING INTEREST", "LOAN REPAYMENT", "ROUND-UP RULE", "365-DAY RATE BASIS", "LOGARITHMIC PAYOFF CALCULATION", "NO-PAYMENT SCENARIO", "MLA THIRTY-SIX PERCENT CAP" ], "credit_card": "GAPCobrand_combined.md" }, { "question": "Leia needs to send a wire transfer of $4000 to her brother, Luke, who managed to get himself in trouble with some gangsters. She currently only has $3700 in her account and her bank only allows her to deposit $100 each day. How long will it take for Leia to have enough money in her account to complete the wire transfer?", "ground_truth": 5, "output_units": "day", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "4000", "arg_2": "0.05", "resp": 200.0 }, { "operator": "add", "arg_1": "4000", "arg_2": "#0", "resp": 4200.0 }, { "operator": "subtract", "arg_1": "#1", "arg_2": "3700", "resp": 500.0 }, { "operator": "divide", "arg_1": "#2", "arg_2": "100", "resp": 5.0 } ], "program": [ "multiply(4000, 0.05)", "add(4000, #0)", "subtract(#1, 3700)", "divide(#2, 100)" ], "question_tense": "THIRD", "financial_terms": [ "WIRE TRANSFER", "PAYOFF TIME" ], "credit_card": "GAPCobrand_combined.md" }, { "question": "Assume the cardholder has a balance of $5,000 and an APR of 29.99%. If the cardholder makes no payments and accrue interest monthly using the Monthly Periodic Rate (MPR), how many months will it take for the cardholder's balance to double due to compounding interest?", "ground_truth": 28.07, "output_units": "month", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "29.99", "arg_2": "100", "resp": 0.2999 }, { "operator": "divide", "arg_1": "#0", "arg_2": "12", "resp": 0.024991666666666666 }, { "operator": "add", "arg_1": "1", "arg_2": "#1", "resp": 1.0249916666666667 }, { "operator": "ln", "arg_1": "#2", "resp": 0.02469 }, { "operator": "ln", "arg_1": "2", "resp": 0.693147 }, { "operator": "divide", "arg_1": "#4", "arg_2": "#3", "resp": 28.07 } ], "program": [ "divide(29.99, 100)", "divide(#0, 12)", "add(1, #1)", "ln(#2)", "ln(2)", "divide(#4, #3)" ], "question_tense": "THIRD", "financial_terms": [ "MONTHLY PERIODIC RATE", "PURCHASE APR", "ACCOUNT BALANCE", "PAYOFF TIME", "LOGARITHMIC PAYOFF CALCULATION", "BALANCE DOUBLING TIME", "NO-PAYMENT SCENARIO" ], "credit_card": "GAPCobrand_combined.md" }, { "question": "If the cardholder takes out $2,000 Direct Deposit Cash Advance and $1,500 Bank Cash Advance on the same day, and both have their maximum possible APRs according to the agreement, how much total interest would accrue after exactly 30 days?", "ground_truth": "86.92", "output_units": "$", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 1, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 1, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "29.99", "arg_2": "100", "resp": 0.2999 }, { "operator": "divide", "arg_1": "#0", "arg_2": "365", "resp": 0.0008216438356 }, { "operator": "add", "arg_1": "1", "arg_2": "#1", "resp": 1.0008216438356 }, { "operator": "exponent", "arg_1": "#2", "arg_2": "30", "resp": 1.02496 }, { "operator": "multiply", "arg_1": "3500", "arg_2": "#3", "resp": 3586.92 }, { "operator": "subtract", "arg_1": "#4", "arg_2": "3500", "resp": 86.92 } ], "program": [ "divide(29.99, 100)", "divide(#0, 365)", "add(1, #1)", "exponent(#2, 30)", "multiply(3500, #3)", "subtract(#4, 3500)" ], "question_tense": "THIRD", "financial_terms": [ "CASH ADVANCE APR", "DIRECT DEPOSIT APR", "INTEREST ACCRUAL", "THIRTY-DAY INTEREST", "365-DAY RATE BASIS", "EXPONENTIAL INTEREST CALCULATION", "BANK CASH ADVANCE", "DIRECT DEPOSIT CASH ADVANCE" ], "credit_card": "GAPCobrand_combined.md" }, { "question": "If the cardholder uses a wire transfer to cash advance $3,000 from the cardholder's card with a Wire Transfer fee of 5% of the transaction, and the cash advance APR is 29.24%, how much will the cardholder owe after one month if the cardholder does not make any payments?", "ground_truth": "3076.75", "output_units": "$", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "5", "arg_2": "100", "resp": 0.05 }, { "operator": "divide", "arg_1": "29.24", "arg_2": "100", "resp": 0.2924 }, { "operator": "multiply", "arg_1": "3000", "arg_2": "#0", "resp": 150.0 }, { "operator": "add", "arg_1": "3000", "arg_2": "#2", "resp": 3150.0 }, { "operator": "divide", "arg_1": "#1", "arg_2": "12", "resp": 0.02436666666666667 }, { "operator": "multiply", "arg_1": "#3", "arg_2": "#4", "resp": 76.755 }, { "operator": "add", "arg_1": "3000", "arg_2": "#5", "resp": 3076.755 }, { "operator": "round", "arg_1": "#6", "arg_2": "2", "resp": 3076.75 } ], "program": [ "divide(5, 100)", "divide(29.24, 100)", "multiply(3000, #0)", "add(3000, #2)", "divide(#1, 12)", "multiply(#3, #4)", "add(3000, #5)", "round(#6, 2)" ], "question_tense": "THIRD", "financial_terms": [ "CASH ADVANCE APR", "CASH ADVANCE FEE", "WIRE TRANSFER FEE", "ROUNDING RULE", "PERCENTAGE-BASED FEE", "WIRE TRANSFER APR", "WIRE TRANSFER FEE CALCULATION" ], "credit_card": "Mastercard_Elite_English-290256.md" }, { "question": "A customer is choosing between a same-day online cash advance and a direct deposit cash advance, both for $3500. The same-day online fee is 4%, and the direct deposit fee is 3%. Which option has a lower transaction fee?", "ground_truth": "Direct Deposit", "output_units": "categorical", "input_units": { "from_doc": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "3500", "arg_2": "0.04", "resp": 140.0 }, { "operator": "multiply", "arg_1": "3500", "arg_2": "0.03", "resp": 105.0 }, { "operator": "less", "arg_1": "#1", "arg_2": "#0", "resp": "TRUE" }, { "operator": "if", "arg_1": "#2", "arg_2": "Direct Deposit", "arg_3": "Same-Day Online", "resp": "Direct Deposit" } ], "program": [ "multiply(3500, 0.04)", "multiply(3500, 0.03)", "less(#1, #0)", "if(#2, Direct Deposit, Same-Day Online)" ], "question_tense": "THIRD", "financial_terms": [ "CASH ADVANCE FEE", "DIRECT DEPOSIT", "TRANSACTION FEE CALCULATION", "CONDITIONAL FINANCIAL RULE", "SAME-DAY ONLINE CASH ADVANCE", "DIRECT DEPOSIT CASH ADVANCE", "DIRECT DEPOSIT FEE" ], "credit_card": "Visa_Mastercard_Secured_English-290258.md" }, { "question": "If the MLA cap is 36% and a new APR is 35.5%, how many months can pass before total simple interest (annual basis) hits $355 on $1,000?", "ground_truth": "12", "output_units": "month", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "1000", "arg_2": "0.355", "resp": 355.0 }, { "operator": "divide", "arg_1": "355", "arg_2": "#0", "resp": 1.0 }, { "operator": "multiply", "arg_1": "#1", "arg_2": "12", "resp": 12.0 } ], "program": [ "multiply(1000, 0.355)", "divide(355, #0)", "multiply(#1, 12)" ], "question_tense": "THIRD", "financial_terms": [ "MILITARY LENDING APR", "SIMPLE INTEREST", "PAYOFF TIME", "FEE CAP", "SIMPLE INTEREST CALCULATION", "MLA THIRTY-SIX PERCENT CAP" ], "credit_card": "Wells Fargo Health Advantage Private Label-255546.md" }, { "question": "A customer reports an unauthorized charge of $500 within 30 days. What is their maximum liability under FCBA?", "ground_truth": "50.00", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 1, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 1, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "min", "arg_1": "500", "arg_2": "50", "resp": 50.0 } ], "program": [ "min(500, 50)" ], "question_tense": "THIRD", "financial_terms": [ "BILLING ERROR", "UNAUTHORIZED TRANSACTION LIABILITY", "THIRTY-DAY INTEREST", "MINIMUM SELECTION", "FIFTY-DOLLAR LIABILITY LIMIT" ], "credit_card": "Wells Fargo Health Advantage Private Label-255546.md" }, { "question": "The cardholder has a balance of $5000. If the APR is the prime rate plus a margin, both mentioned in the credit card statement, compounded daily. How much interest is accumulated in 90 days with no payments?", "ground_truth": "396.60", "output_units": "$", "input_units": { "from_doc": { "%": 2, "month": 0, "day": 1, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 1, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "add", "arg_1": "0.085", "arg_2": "0.2247", "resp": 0.30970000000000003 }, { "operator": "divide", "arg_1": "#0", "arg_2": "365", "resp": 0.0008484931506849316 }, { "operator": "add", "arg_1": "1", "arg_2": "#1", "resp": 1.000848493150685 }, { "operator": "exp", "arg_1": "#2", "arg_2": "90", "resp": 2.7205892507496947 }, { "operator": "multiply", "arg_1": "5000", "arg_2": "#3", "resp": 13602.946253748474 }, { "operator": "subtract", "arg_1": "#4", "arg_2": "5000", "resp": 8602.946253748474 }, { "operator": "round", "arg_1": "#5", "resp": 396.6 } ], "program": [ "add(0.085, 0.2247)", "divide(#0, 365)", "add(1, #1)", "exp(#2, 90)", "multiply(5000, #3)", "subtract(#4, 5000)", "round(#5)" ], "question_tense": "THIRD", "financial_terms": [ "PRIME RATE", "PURCHASE APR", "ACCOUNT BALANCE", "DAILY COMPOUNDING", "DAILY COMPOUNDING INTEREST", "ROUNDING RULE", "365-DAY RATE BASIS", "EXPONENTIAL INTEREST CALCULATION", "NO-PAYMENT SCENARIO" ], "credit_card": "GAPPrivateLabel_combined.md" }, { "question": "The cardholder needs 4 monthly bill statement copies that are 24 months old, and 3 that are older than 25 months. Card A charges $15 for copies less than 25 months old, and $10 for copies 25 months or older. Card B charges $12 for all statements. Which card would charge less for the bill statement copies the cardholder needs?", "ground_truth": "Card B", "output_units": "categorical", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 2, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 4 }, "total": { "%": 0, "month": 2, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 4 } }, "steps": [ { "operator": "multiply", "arg_1": "4", "arg_2": "15", "resp": 60.0 }, { "operator": "multiply", "arg_1": "3", "arg_2": "10", "resp": 30.0 }, { "operator": "add", "arg_1": "#0", "arg_2": "#1", "resp": 90.0 }, { "operator": "add", "arg_1": "4", "arg_2": "3", "resp": 7.0 }, { "operator": "multiply", "arg_1": "#3", "arg_2": "12", "resp": 84.0 }, { "operator": "less", "arg_1": "#4", "arg_2": "#2", "resp": "TRUE" }, { "operator": "if", "arg_1": "#5", "arg_2": "Card B", "arg_3": "Card A", "resp": "Card B" } ], "program": [ "multiply(4, 15)", "multiply(3, 10)", "add(#0, #1)", "add(4, 3)", "multiply(#3, 12)", "less(#4, #2)", "if(#5, Card B, Card A)" ], "question_tense": "THIRD", "financial_terms": [ "CREDIT CARD AGREEMENT TERM", "STATEMENT COPY CHARGE", "CARD OPTION COMPARISON", "CONDITIONAL FINANCIAL RULE", "STATEMENT COPY AGE TIER" ], "credit_card": "GAPPrivateLabel_combined.md" }, { "question": "Let's say the cardholder has a credit card with $250 annual fee, $220 travel credit per year, 4% cash back on dining, and 2% on all other purchases. If the cardholder spends $500 per month on dining and $1000 on other purchases, how long will it take for the cardholder's rewards to offset the annual fee?", "ground_truth": "1", "output_units": "month", "input_units": { "from_doc": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 4, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "500", "arg_2": "0.04", "resp": 20.0 }, { "operator": "multiply", "arg_1": "1000", "arg_2": "0.02", "resp": 20.0 }, { "operator": "add", "arg_1": "#0", "arg_2": "#1", "resp": 40.0 }, { "operator": "subtract", "arg_1": "250", "arg_2": "220", "resp": 30.0 }, { "operator": "divide", "arg_1": "#3", "arg_2": "#2", "resp": 0.75 }, { "operator": "ceil", "arg_1": "#4", "resp": 1 } ], "program": [ "multiply(500, 0.04)", "multiply(1000, 0.02)", "add(#0, #1)", "subtract(250, 220)", "divide(#3, #2)", "ceil(#4)" ], "question_tense": "THIRD", "financial_terms": [ "PURCHASE TRANSACTION", "ANNUAL FEE", "REWARDS", "PAYOFF TIME", "MONTHLY PAYMENT", "CASH BACK REWARD", "TRAVEL CREDIT", "ROUND-UP RULE", "CHASE CARD TERMS", "MONTHLY FEE", "ANNUALIZED FEE", "FEE OFFSET", "TRAVEL CREDIT OFFSET", "DINING CASH BACK" ], "credit_card": "GAPPrivateLabel_combined.md" }, { "question": "Let's say a service member takes out $5000 car loan under military protections. They will do monthly payments of $297.71 for 24 months. How much total interest will they pay?", "ground_truth": "2145.04", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 1, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 1, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "297.71", "arg_2": "24", "resp": 7145.04 }, { "operator": "subtract", "arg_1": "#0", "arg_2": "5000", "resp": 2145.04 } ], "program": [ "multiply(297.71, 24)", "subtract(#0, 5000)" ], "question_tense": "THIRD", "financial_terms": [ "MILITARY LENDING APR", "INTEREST ACCRUAL", "MILITARY LENDING PROTECTION", "MONTHLY PAYMENT", "LOAN REPAYMENT" ], "credit_card": "GAPPrivateLabel_combined.md" }, { "question": "A customer has a balance of $3,200 on their Chase Loan. They owe $150 in past-due amounts, $100 for a Flexible Financing Offer that must be repaid evenly over 6 months, and $45 in periodic interest charges. The minimum payment is calculated as the greater of 1% of the balance or $40, plus the monthly installment of the Flexible Financing Offer, plus any past-due amounts, and plus any periodic interest charges. What will their minimum payment be?", "ground_truth": "212.00", "output_units": "$", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 1, "day": 0, "year": 0, "$": 4, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 1, "day": 0, "year": 0, "$": 4, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "1", "arg_2": "100", "resp": 0.01 }, { "operator": "multiply", "arg_1": "3200", "arg_2": "#0", "resp": 32 }, { "operator": "max", "arg_1": "#1", "arg_2": "40", "resp": 40 }, { "operator": "divide", "arg_1": "100", "arg_2": "6", "resp": 16.666666666666668 }, { "operator": "add", "arg_1": "#3", "arg_2": "45", "resp": 61.666666666666664 }, { "operator": "max", "arg_1": "#2", "arg_2": "#4", "resp": 61.666666666666664 }, { "operator": "add", "arg_1": "150", "arg_2": "#5", "resp": 211.66666666666666 }, { "operator": "ceil", "arg_1": "#6", "resp": 212 } ], "program": [ "divide(1, 100)", "multiply(3200, #0)", "max(#1, 40)", "divide(100, 6)", "add(#3, 45)", "max(#2, #4)", "add(150, #5)", "ceil(#6)" ], "question_tense": "THIRD", "financial_terms": [ "MINIMUM PAYMENT", "ACCOUNT BALANCE", "INTEREST ACCRUAL", "MINIMUM MAXIMUM FEE RULE", "GREATER-OF FEE RULE", "MINIMUM PAYMENT FORMULA", "LOAN REPAYMENT", "ROUND-UP RULE", "MAXIMUM SELECTION", "CHASE CARD TERMS", "PERCENTAGE-BASED FEE" ], "credit_card": "Aer Lingus Visa Signature Agreement.pdf-255602.md" }, { "question": "A customer spends $15 per month on Netflix and $250 per month on family entertainment, for a total of $265 in monthly credit card spending. The credit card has an APR of 16% and a standard 30-day billing cycle. Assume the customer makes no payments and interest compounds monthly on the full balance. After how many months will the total interest charged exceed $25?", "ground_truth": 216, "output_units": "month", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 1, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 1, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "add", "arg_1": "250", "arg_2": "15", "resp": 265 }, { "operator": "divide", "arg_1": "#0", "arg_2": "30", "resp": 8.833333333333334 }, { "operator": "divide", "arg_1": "16", "arg_2": "365", "resp": 0.043835616438356165 }, { "operator": "divide", "arg_1": "#2", "arg_2": "100", "resp": 0.00043835616438356166 }, { "operator": "multiply", "arg_1": "#1", "arg_2": "#3", "resp": 0.0038721461187214614 }, { "operator": "multiply", "arg_1": "30", "arg_2": "#4", "resp": 0.11616438356164384 }, { "operator": "divide", "arg_1": "25", "arg_2": "#5", "resp": 215.21226415094338 }, { "operator": "ceil", "arg_1": "#6", "resp": 216 } ], "program": [ "add(250, 15)", "divide(#0, 30)", "divide(16, 365)", "divide(#2, 100)", "multiply(#1, #3)", "multiply(30, #4)", "divide(25, #5)", "ceil(#6)" ], "question_tense": "THIRD", "financial_terms": [ "PURCHASE APR", "ACCOUNT BALANCE", "BILLING CYCLE", "INTEREST ACCRUAL", "PAYOFF TIME", "BILLING-CYCLE INTEREST", "MONTHLY PAYMENT", "ROUND-UP RULE", "365-DAY RATE BASIS", "NO-PAYMENT SCENARIO" ], "credit_card": "Aer Lingus Visa Signature Agreement.pdf-255602.md" }, { "question": "A customer has a balance of $4,500, a past-due amount of $200, a Flexible Financing payment of $50 due, and $120 in periodic interest charges. The minimum payment is calculated as the greater of 1% of the balance or $40, plus the Flexible Financing payment, plus any past-due amounts, and plus periodic interest. What percentage of their balance will they pay as the minimum payment?", "ground_truth": "9.22", "output_units": "%", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 4, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 5, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "1", "arg_2": "100", "resp": 0.01 }, { "operator": "multiply", "arg_1": "4500", "arg_2": "#0", "resp": 45.0 }, { "operator": "max", "arg_1": "#1", "arg_2": "40", "resp": 45.0 }, { "operator": "add", "arg_1": "#2", "arg_2": "120", "resp": 165.0 }, { "operator": "add", "arg_1": "#3", "arg_2": "50", "resp": 215.0 }, { "operator": "add", "arg_1": "#4", "arg_2": "200", "resp": 415.0 }, { "operator": "divide", "arg_1": "#5", "arg_2": "4500", "resp": 0.09222222222222222 }, { "operator": "multiply", "arg_1": "#6", "arg_2": "100", "resp": 9.222222222222221 }, { "operator": "round", "arg_1": "#7", "arg_2": "2", "resp": 9.22 } ], "program": [ "divide(1, 100)", "multiply(4500, #0)", "max(#1, 40)", "add(#2, 120)", "add(#3, 50)", "add(#4, 200)", "divide(#5, 4500)", "multiply(#6, 100)", "round(#7, 2)" ], "question_tense": "THIRD", "financial_terms": [ "MINIMUM PAYMENT", "ACCOUNT BALANCE", "INTEREST ACCRUAL", "MINIMUM MAXIMUM FEE RULE", "PERCENTAGE CALCULATION", "GREATER-OF FEE RULE", "MINIMUM PAYMENT FORMULA", "ROUNDING RULE", "MAXIMUM SELECTION", "PERCENTAGE-BASED FEE" ], "credit_card": "Aer Lingus Visa Signature Agreement.pdf-255602.md" }, { "question": "A customer misses three consecutive minimum payments within 12 billing periods, which triggers both fixed penalty fees and a penalty APR on their credit card account. The account has a balance of $4,000 and a penalty APR of 26.99%. In addition, two fixed penalty fees of $35 and $45 are assessed immediately when the missed payments are confirmed. After these fees are applied, penalty interest accrues daily on the full $4,000 balance using simple interest. Assuming that each month is 30 days and the fixed penalty fees are a one‑time charge applied. After how many full months will the combined total of the one‑time penalty fees and the accrued penalty interest equal or exceed $168.86?", "ground_truth": "2", "output_units": "month", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 1, "year": 0, "$": 3, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 1, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "26.99", "arg_2": "365", "resp": 0.07394520547945205 }, { "operator": "divide", "arg_1": "#0", "arg_2": "100", "resp": 0.0007394520547945205 }, { "operator": "multiply", "arg_1": "4000", "arg_2": "#1", "resp": 2.957808219178082 }, { "operator": "multiply", "arg_1": "#2", "arg_2": "30", "resp": 88.73424657534245 }, { "operator": "add", "arg_1": "35", "arg_2": "45", "resp": 80.0 }, { "operator": "subtract", "arg_1": "168.86", "arg_2": "#4", "resp": 88.86000000000001 }, { "operator": "divide", "arg_1": "#5", "arg_2": "#3", "resp": 1.001417191552427 }, { "operator": "ceil", "arg_1": "#6", "resp": 2 } ], "program": [ "divide(26.99, 365)", "divide(#0, 100)", "multiply(4000, #1)", "multiply(#2, 30)", "add(35, 45)", "subtract(168.86, #4)", "divide(#5, #3)", "ceil(#6)" ], "question_tense": "THIRD", "financial_terms": [ "PENALTY APR", "LATE PAYMENT", "MINIMUM PAYMENT", "ACCOUNT BALANCE", "SIMPLE INTEREST", "INTEREST ACCRUAL", "MINIMUM FEE RULE", "SIMPLE INTEREST CALCULATION", "THIRTY-DAY INTEREST", "MINIMUM PAYMENT FORMULA", "RECURRING PAYMENT VIOLATION", "ROUND-UP RULE", "365-DAY RATE BASIS", "FIXED DOLLAR FEE" ], "credit_card": "Aer Lingus Visa Signature Agreement.pdf-255602.md" }, { "question": "It is the end of the year for the customer and they need to pay the annual fee. They have two fee options: Monthly Processing Fee Option: The fee is divided into 12 equal monthly payments. Each monthly payment incurs an additional 5% processing fee on that month’s amount. One-Time Fee Option: A one-time additional fee of $20 is added to the yearly fee, and the total is then divided into 12 equal monthly payments without any extra processing fees. Assume that In both the cases, the fee is paid in equal monthly installments until the full amount is repaid. Will the option with the monthly processing fee require more time (more monthly installments) to fully repay the fee compared to the one-time additional fee?", "ground_truth": "FALSE", "output_units": "binary", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "95", "arg_2": "12", "resp": 7.916666666666667 }, { "operator": "divide", "arg_1": "5", "arg_2": "100", "resp": 0.05 }, { "operator": "multiply", "arg_1": "#0", "arg_2": "#1", "resp": 0.39583333333333337 }, { "operator": "add", "arg_1": "#0", "arg_2": "#2", "resp": 8.3125 }, { "operator": "divide", "arg_1": "115", "arg_2": "#3", "resp": 13.834586466165414 }, { "operator": "round", "arg_1": "#4", "arg_2": "0", "resp": 14 }, { "operator": "add", "arg_1": "95", "arg_2": "20", "resp": 115 }, { "operator": "divide", "arg_1": "#6", "arg_2": "#0", "resp": 14.526315789473683 }, { "operator": "round", "arg_1": "#7", "arg_2": "0", "resp": 15 }, { "operator": "greater", "arg_1": "#5", "arg_2": "#8", "resp": "FALSE" } ], "program": [ "divide(95, 12)", "divide(5, 100)", "multiply(#0, #1)", "add(#0, #2)", "divide(115, #3)", "round(#4, 0)", "add(95, 20)", "divide(#6, #0)", "round(#7, 0)", "greater(#5, #8)" ], "question_tense": "THIRD", "financial_terms": [ "ANNUAL FEE", "PAYOFF TIME", "MONTHLY PAYMENT", "ROUNDING RULE", "ANNUALIZED FEE" ], "credit_card": "Aer Lingus Visa Signature Agreement.pdf-255602.md" }, { "question": "If a customer has a balance of $4,000, owes $50 in past-due amounts, and $120 in periodic interest charges, how many months will it take to accrue a minimum payment of $200, assuming their payment is calculated based on 1% of the balance plus fees?", "ground_truth": "3", "output_units": "month", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "4000", "arg_2": "0.01", "resp": 40.0 }, { "operator": "add", "arg_1": "#0", "arg_2": "120", "resp": 160.0 }, { "operator": "add", "arg_1": "50", "arg_2": "#1", "resp": 210.0 }, { "operator": "divide", "arg_1": "#2", "arg_2": "70", "resp": 3.0 } ], "program": [ "multiply(4000, 0.01)", "add(#0, 120)", "add(50, #1)", "divide(#2, 70)" ], "question_tense": "THIRD", "financial_terms": [ "MINIMUM PAYMENT", "ACCOUNT BALANCE", "INTEREST ACCRUAL", "PAYOFF TIME", "MINIMUM FEE RULE", "MINIMUM PAYMENT FORMULA", "PERCENTAGE-BASED FEE" ], "credit_card": "Aer Lingus Visa Signature Agreement.pdf-255602.md" }, { "question": "If a customer has a balance of $1,500, owes $100 in past-due amounts, and has $40 in periodic interest charges, will their minimum payment exceed $200?", "ground_truth": "FALSE", "output_units": "binary", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 4, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "1", "arg_2": "100", "resp": 0.01 }, { "operator": "multiply", "arg_1": "1500", "arg_2": "#0", "resp": 15.0 }, { "operator": "max", "arg_1": "#1", "arg_2": "40", "resp": 40.0 }, { "operator": "add", "arg_1": "100", "arg_2": "40", "resp": 140.0 }, { "operator": "greater", "arg_1": "#3", "arg_2": "200", "resp": "FALSE" } ], "program": [ "divide(1, 100)", "multiply(1500, #0)", "max(#1, 40)", "add(100, 40)", "greater(#3, 200)" ], "question_tense": "THIRD", "financial_terms": [ "MINIMUM PAYMENT", "ACCOUNT BALANCE", "INTEREST ACCRUAL", "MINIMUM FEE RULE", "MINIMUM PAYMENT FORMULA", "MAXIMUM SELECTION" ], "credit_card": "Aer Lingus Visa Signature Agreement.pdf-255602.md" }, { "question": "A customer takes a cash advance of $2000 on January 1st with an APR of 24.99%. Interest accrues on the full balance using a simple interest method, calculated monthly, and no payments, fees, or additional charges are applied during the period. By March 1st, will the accrued interest exceed $100?", "ground_truth": "FALSE", "output_units": "binary", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 1, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 1, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "24.99", "arg_2": "12", "resp": 2.0825 }, { "operator": "multiply", "arg_1": "2000", "arg_2": "#0", "resp": 41.65 }, { "operator": "multiply", "arg_1": "#1", "arg_2": "2", "resp": 83.3 }, { "operator": "greater", "arg_1": "#2", "arg_2": "100", "resp": "FALSE" } ], "program": [ "divide(24.99, 12)", "multiply(2000, #0)", "multiply(#1, 2)", "greater(#2, 100)" ], "question_tense": "THIRD", "financial_terms": [ "CASH ADVANCE APR", "CASH ADVANCE FEE", "ACCOUNT BALANCE", "SIMPLE INTEREST", "INTEREST ACCRUAL", "SIMPLE INTEREST CALCULATION", "INTEREST THRESHOLD", "NO-PAYMENT SCENARIO" ], "credit_card": "Aer Lingus Visa Signature Agreement.pdf-255602.md" }, { "question": "A customer takes out $3,750 Chase Loan which was incurred due to the customer when exceeding their credit limit with an assumed Chase Loan APR of 21.99%. Assume no payments are made during the period and that simple interest accrues evenly each month on the entire balance. After 6 months, will the total accrued interest exceed $500?", "ground_truth": "FALSE", "output_units": "binary", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 1, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 1, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "21.99", "arg_2": "100", "resp": 0.21989999999999998 }, { "operator": "divide", "arg_1": "#0", "arg_2": "12", "resp": 0.018324999999999998 }, { "operator": "multiply", "arg_1": "3750", "arg_2": "#1", "resp": 68.71874999999999 }, { "operator": "multiply", "arg_1": "#2", "arg_2": "6", "resp": 412.3124999999999 }, { "operator": "greater", "arg_1": "#3", "arg_2": "500", "resp": "FALSE" } ], "program": [ "divide(21.99, 100)", "divide(#0, 12)", "multiply(3750, #1)", "multiply(#2, 6)", "greater(#3, 500)" ], "question_tense": "THIRD", "financial_terms": [ "ACCOUNT BALANCE", "CREDIT LIMIT", "SIMPLE INTEREST", "INTEREST ACCRUAL", "SIMPLE INTEREST CALCULATION", "LOAN REPAYMENT", "CHASE CARD TERMS", "INTEREST THRESHOLD", "NO-PAYMENT SCENARIO" ], "credit_card": "Aer Lingus Visa Signature Agreement.pdf-255602.md" }, { "question": "If a cardholder places a purchase into a plan with a monthly fee of 1.33%, and after a certain number of months, the total fees equal exactly 10% of the original purchase amount, how many months have passed?", "ground_truth": "8", "output_units": "month", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "1.33", "arg_2": "100", "resp": 0.013300000000000001 }, { "operator": "divide", "arg_1": "10", "arg_2": "100", "resp": 0.1 }, { "operator": "add", "arg_1": "1", "arg_2": "#1", "resp": 1.1 }, { "operator": "log10", "arg_1": "#2", "resp": 0.04139268515822508 }, { "operator": "add", "arg_1": "1", "arg_2": "#0", "resp": 1.0133 }, { "operator": "log10", "arg_1": "#4", "resp": 0.005738042651424855 }, { "operator": "divide", "arg_1": "#3", "arg_2": "#5", "resp": 7.21372908372275 }, { "operator": "ceil", "arg_1": "#6", "resp": 8.0 } ], "program": [ "divide(1.33, 100)", "divide(10, 100)", "add(1, #1)", "log10(#2)", "add(1, #0)", "log10(#4)", "divide(#3, #5)", "ceil(#6)" ], "question_tense": "THIRD", "financial_terms": [ "PURCHASE TRANSACTION", "PAYMENT PLAN FEE", "PAYOFF TIME", "TOTAL FEE CALCULATION", "ROUND-UP RULE", "LOGARITHMIC PAYOFF CALCULATION", "CHASE CARD TERMS", "PERCENTAGE-BASED FEE" ], "credit_card": "American Express Gold Card Cardmember Agreement-255468.md" }, { "question": "A cardholder has acredit card with different APR rates for credit scores: Excellent, Good, Fair, Poor. If a person is Good or Excellent, they have a 22% APR for Cash Advances; Fair credit score would have a 25% APR for cash advances, and Poor would have a 29.99% APR for cash advances. After 1 year, how much interest does a person with a fair credit score owe on $1000 cash advance?", "ground_truth": "250.00", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 3, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 3, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "equal", "arg_1": "3", "arg_2": "3", "resp": "TRUE" }, { "operator": "less_equal", "arg_1": "3", "arg_2": "2", "resp": "FALSE" }, { "operator": "if", "arg_1": "#0", "arg_2": "0.25", "arg_3": "0.2999", "resp": 0.25 }, { "operator": "if", "arg_1": "#1", "arg_2": "0.22", "arg_3": "#2", "resp": 0.25 }, { "operator": "multiply", "arg_1": "#3", "arg_2": "1000", "resp": 250.0 }, { "operator": "round", "arg_1": "#4", "arg_2": "2", "resp": 250.0 } ], "program": [ "equal(3, 3)", "less_equal(3, 2)", "if(#0, 0.25, 0.2999)", "if(#1, 0.22, #2)", "multiply(#3, 1000)", "round(#4, 2)" ], "question_tense": "THIRD", "financial_terms": [ "CASH ADVANCE APR", "CREDIT TIER", "CREDIT-SCORE APR TIER", "ROUNDING RULE", "CONDITIONAL FINANCIAL RULE" ], "credit_card": "American Express Gold Card Cardmember Agreement-255468.md" }, { "question": "The cardholder takes a cash advance of $500, and the cash advance fee is added to the cardholder's balance. If the cardholder pays $50 per month towards this balance (ignoring interest), how many months will it take to pay off the cash advance amount plus the fee?", "ground_truth": "11", "output_units": "month", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "5", "arg_2": "100", "resp": 0.05 }, { "operator": "multiply", "arg_1": "500", "arg_2": "#0", "resp": 25 }, { "operator": "max", "arg_1": "#1", "arg_2": "10", "resp": 25 }, { "operator": "add", "arg_1": "500", "arg_2": "#2", "resp": 525 }, { "operator": "divide", "arg_1": "#3", "arg_2": "50", "resp": 10.5 }, { "operator": "ceil", "arg_1": "#4", "resp": 11 } ], "program": [ "divide(5, 100)", "multiply(500, #0)", "max(#1, 10)", "add(500, #2)", "divide(#3, 50)", "ceil(#4)" ], "question_tense": "THIRD", "financial_terms": [ "CASH ADVANCE APR", "CASH ADVANCE FEE", "ACCOUNT BALANCE", "PAYOFF TIME", "MONTHLY PAYMENT", "BALANCE PAYOFF", "ROUND-UP RULE", "MAXIMUM SELECTION", "MONTHLY FEE" ], "credit_card": "American Express Gold Card Cardmember Agreement-255468.md" }, { "question": "A cardholder's Prime Rate is currently 10.25%. If their APR for Purchases is calculated as Prime + 5.24% and the cardholder has a balance of $2,500, they want to know if they pay more than $300 in interest over a year, what should they do?", "ground_truth": "Pay off balance", "output_units": "categorical", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "add", "arg_1": "10.25", "arg_2": "5.24", "resp": 15.49 }, { "operator": "divide", "arg_1": "#0", "arg_2": "100", "resp": 0.1549 }, { "operator": "multiply", "arg_1": "2500", "arg_2": "#1", "resp": 387.25 }, { "operator": "greater", "arg_1": "#2", "arg_2": "300", "resp": "TRUE" }, { "operator": "if", "arg_1": "#3", "arg_2": "Pay off balance", "arg_3": "Interest is manageable", "resp": "Pay off balance" } ], "program": [ "add(10.25, 5.24)", "divide(#0, 100)", "multiply(2500, #1)", "greater(#2, 300)", "if(#3, Pay off balance, Interest is manageable)" ], "question_tense": "THIRD", "financial_terms": [ "PRIME RATE", "PURCHASE APR", "ACCOUNT BALANCE", "PRIME-INDEXED APR", "CONDITIONAL FINANCIAL RULE", "CHASE CARD TERMS" ], "credit_card": "American Express Gold Card Cardmember Agreement-255468.md" }, { "question": "A cardholder has a Green Card and is considering upgrading to a Gold Card or a Platinum Card. If they want the highest cash advance limit, which card should they choose?", "ground_truth": "Platinum Card", "output_units": "categorical", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "max", "arg_1": "3000", "arg_2": "6000", "resp": 6000.0 }, { "operator": "max", "arg_1": "#0", "arg_2": "8000", "resp": 8000.0 }, { "operator": "equal", "arg_1": "#1", "arg_2": "3000", "resp": "FALSE" }, { "operator": "equal", "arg_1": "#1", "arg_2": "6000", "resp": "FALSE" }, { "operator": "if", "arg_1": "#2", "arg_2": "Green Card", "arg_3": "if(#3, Gold Card, Platinum Card)", "resp": "Platinum Card" } ], "program": [ "max(3000, 6000)", "max(#0, 8000)", "equal(#1, 3000)", "equal(#1, 6000)", "if(#2, Green Card, if(#3, Gold Card, Platinum Card))" ], "question_tense": "THIRD", "financial_terms": [ "CASH ADVANCE", "CREDIT LIMIT", "CARD OPTION COMPARISON", "CASH ADVANCE LIMIT", "MAXIMUM SELECTION", "CONDITIONAL FINANCIAL RULE" ], "credit_card": "American Express Gold Card Cardmember Agreement-255468.md" }, { "question": "A cardholder's Prime Rate is 10.5%, and their APR for Purchases is Prime + 5.24% to 29.99% (limit between 13.74% to 29.99%). If their APR for Purchases is calculated to be 15.74%, does it fall within the acceptable range for this card?", "ground_truth": "TRUE", "output_units": "categorical", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 4, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 4, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "add", "arg_1": "10.5", "arg_2": "5.24", "resp": 15.74 }, { "operator": "greater_equal", "arg_1": "#0", "arg_2": "13.74", "resp": "TRUE" }, { "operator": "less_equal", "arg_1": "#0", "arg_2": "29.99", "resp": "TRUE" }, { "operator": "and", "arg_1": "#1", "arg_2": "#2", "resp": "TRUE" }, { "operator": "if", "arg_1": "#3", "arg_2": "Yes", "arg_3": "No", "resp": "TRUE" } ], "program": [ "add(10.5, 5.24)", "greater_equal(#0, 13.74)", "less_equal(#0, 29.99)", "and(#1, #2)", "if(#3, Yes, No)" ], "question_tense": "THIRD", "financial_terms": [ "PRIME RATE", "PURCHASE APR", "PRIME-INDEXED APR", "CONDITIONAL FINANCIAL RULE", "CHASE CARD TERMS" ], "credit_card": "American Express Gold Card Cardmember Agreement-255468.md" }, { "question": "The cardholder missed the cardholder's payment due date and incurred a late fee of $40 because this was not the cardholder's first time. If the cardholder pays $15 per month towards this late fee (ignoring interest), how many months will it take to fully pay off the late fee?", "ground_truth": "3", "output_units": "month", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "40", "arg_2": "15", "resp": 2.6666666666666665 }, { "operator": "ceil", "arg_1": "#0", "resp": 3.0 } ], "program": [ "divide(40, 15)", "ceil(#0)" ], "question_tense": "THIRD", "financial_terms": [ "LATE PAYMENT FEE", "PAYOFF TIME", "PAYMENT DUE DATE", "FIRST-OCCURRENCE FEE RULE", "MONTHLY PAYMENT", "BALANCE PAYOFF", "PAYMENT DUE DATE CALCULATION", "ROUND-UP RULE", "MONTHLY FEE" ], "credit_card": "American Express Gold Card Cardmember Agreement-255468.md" }, { "question": "A cardholder's returned payment fee is $40. If the fee grows continuously at an annual rate of 15%, approximately how many years will it take for the fee amount to double?", "ground_truth": "4.96", "output_units": "year", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "15", "arg_2": "100", "resp": 0.15 }, { "operator": "add", "arg_1": "1", "arg_2": "#0", "resp": 1.15 }, { "operator": "log10", "arg_1": "2", "resp": 0.3010299956639812 }, { "operator": "log10", "arg_1": "#1", "resp": 0.06069784035361165 }, { "operator": "divide", "arg_1": "#2", "arg_2": "#3", "resp": 4.959484454640391 }, { "operator": "round", "arg_1": "#4", "arg_2": "2", "resp": 4.96 } ], "program": [ "divide(15, 100)", "add(1, #0)", "log10(2)", "log10(#1)", "divide(#2, #3)", "round(#4, 2)" ], "question_tense": "THIRD", "financial_terms": [ "RETURNED PAYMENT FEE", "ROUNDING RULE", "LOGARITHMIC PAYOFF CALCULATION", "ANNUALIZED FEE" ], "credit_card": "American Express Gold Card Cardmember Agreement-255468.md" }, { "question": "A cardholder has the option to file an arbitration claim for either $10,000 or $15,000. If they choose to file for $15,000 and win, they will receive a minimum award of $5,000. If the arbitration process takes 4 months for claims under $10,000 and 6 months for claims over $10,000, how long will it take to receive the award if they choose the higher claim amount? Choose from the following options: A) 4 months B) 6 months C) 8 months?", "ground_truth": "6 months", "output_units": "categorical", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 2, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 2, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "greater", "arg_1": "15000", "arg_2": "10000", "resp": "TRUE" }, { "operator": "if", "arg_1": "#0", "arg_2": "6", "arg_3": "4", "resp": 6 } ], "program": [ "greater(15000, 10000)", "if(#0, 6, 4)" ], "question_tense": "THIRD", "financial_terms": [ "ARBITRATION AWARD", "PAYOFF TIME", "CONDITIONAL FINANCIAL RULE" ], "credit_card": "American Express Gold Card Cardmember Agreement-255468.md" }, { "question": "The cardholder has two credit cards: Card X charges an annual fee of $325. Card Y charges an annual fee equal to 1% of the cardholder's annual spending. If the cardholder's annual spending is $40,000, which card has the lower annual fee?", "ground_truth": "Card X", "output_units": "categorical", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "1", "arg_2": "100", "resp": 0.01 }, { "operator": "multiply", "arg_1": "40000", "arg_2": "#0", "resp": 400.0 }, { "operator": "min", "arg_1": "325", "arg_2": "#1", "resp": 325.0 }, { "operator": "equal", "arg_1": "#2", "arg_2": "325", "resp": "TRUE" }, { "operator": "if", "arg_1": "#3", "arg_2": "Card X", "arg_3": "Card Y", "resp": "Card X" } ], "program": [ "divide(1, 100)", "multiply(40000, #0)", "min(325, #1)", "equal(#2, 325)", "if(#3, Card X, Card Y)" ], "question_tense": "THIRD", "financial_terms": [ "ANNUAL FEE", "CARD OPTION COMPARISON", "MINIMUM SELECTION", "CONDITIONAL FINANCIAL RULE", "PERCENTAGE-BASED FEE", "ANNUALIZED FEE" ], "credit_card": "American Express Gold Card Cardmember Agreement-255468.md" }, { "question": "I plan on paying back the $400 balance and the minimum check stop fee at a rate of 50 dollars a month. How many months would this take? The APR for this is 29.99%?", "ground_truth": "10", "output_units": "month", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "add", "arg_1": "400", "arg_2": "29", "resp": 429 }, { "operator": "divide", "arg_1": "29.99", "arg_2": "12", "resp": 2.4991666666666665 }, { "operator": "divide", "arg_1": "#1", "arg_2": "100", "resp": 0.024991666666666666 }, { "operator": "multiply", "arg_1": "#2", "arg_2": "#0", "resp": 10.721425 }, { "operator": "divide", "arg_1": "#3", "arg_2": "50", "resp": 0.2144285 }, { "operator": "subtract", "arg_1": "1", "arg_2": "#4", "resp": 0.7855715 }, { "operator": "ln", "arg_1": "#5", "resp": -0.24134380060401697 }, { "operator": "add", "arg_1": "1", "arg_2": "#2", "resp": 1.0249916666666667 }, { "operator": "ln", "arg_1": "#7", "resp": 0.024684482476021473 }, { "operator": "multiply", "arg_1": "-1", "arg_2": "#6", "resp": 0.24134380060401697 }, { "operator": "divide", "arg_1": "#9", "arg_2": "#8", "resp": 9.777146465941044 }, { "operator": "ceil", "arg_1": "#10", "resp": 10 } ], "program": [ "add(400, 29)", "divide(29.99, 12)", "divide(#1, 100)", "multiply(#2, #0)", "divide(#3, 50)", "subtract(1, #4)", "ln(#5)", "add(1, #2)", "ln(#7)", "multiply(-1, #6)", "divide(#9, #8)", "ceil(#10)" ], "question_tense": "FIRST", "financial_terms": [ "CHECK STOP PAYMENT FEE", "PAYOFF TIME", "MINIMUM FEE RULE", "ROUND-UP RULE", "LOGARITHMIC PAYOFF CALCULATION" ], "credit_card": "Barclaycard_combined.md" }, { "question": "Let's say I used my credit card to buy groceries for $100. How many months is it going to take me to pay it off? Round up the answer. (The minimum payment due is $50 and the purchase APR is 12%)?", "ground_truth": "3", "output_units": "month", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "12", "arg_2": "12", "resp": 1.0 }, { "operator": "divide", "arg_1": "#0", "arg_2": "100", "resp": 0.01 }, { "operator": "multiply", "arg_1": "#1", "arg_2": "100", "resp": 1.0 }, { "operator": "subtract", "arg_1": "50", "arg_2": "#2", "resp": 49.0 }, { "operator": "divide", "arg_1": "50", "arg_2": "#3", "resp": 1.0204081632653061 }, { "operator": "add", "arg_1": "1", "arg_2": "#1", "resp": 1.01 }, { "operator": "ln", "arg_1": "#4", "resp": 0.02020270731751947 }, { "operator": "ln", "arg_1": "#5", "resp": 0.009950330853168092 }, { "operator": "divide", "arg_1": "#6", "arg_2": "#7", "resp": 2.030355333469853 }, { "operator": "ceil", "arg_1": "#8", "resp": 3.0 } ], "program": [ "divide(12, 12)", "divide(#0, 100)", "multiply(#1, 100)", "subtract(50, #2)", "divide(50, #3)", "add(1, #1)", "ln(#4)", "ln(#5)", "divide(#6, #7)", "ceil(#8)" ], "question_tense": "FIRST", "financial_terms": [ "PURCHASE APR", "MINIMUM PAYMENT", "PAYOFF TIME", "MINIMUM PAYMENT FORMULA", "ROUND-UP RULE", "LOGARITHMIC PAYOFF CALCULATION", "CHASE CARD TERMS", "MINIMUM PAYMENT DUE", "GROCERY REWARD CATEGORY" ], "credit_card": "Barclaycard_combined.md" }, { "question": "Assuming I get the maximum credit card annual fee charge, how long would it take for me to pay back if I plan on paying back $50 a month with the maximum possible APR? (Answer in months)?", "ground_truth": "28", "output_units": "month", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "29.99", "arg_2": "12", "resp": 2.4991666666666665 }, { "operator": "divide", "arg_1": "#0", "arg_2": "100", "resp": 0.024991666666666666 }, { "operator": "multiply", "arg_1": "995", "arg_2": "#1", "resp": 24.86670833333333 }, { "operator": "divide", "arg_1": "#2", "arg_2": "50", "resp": 0.49733416666666663 }, { "operator": "subtract", "arg_1": "1", "arg_2": "#3", "resp": 0.5026658333333334 }, { "operator": "ln", "arg_1": "#4", "resp": -0.6878296769086532 }, { "operator": "multiply", "arg_1": "-1", "arg_2": "#5", "resp": 0.6878296769086532 }, { "operator": "add", "arg_1": "1", "arg_2": "#1", "resp": 1.0249916666666667 }, { "operator": "ln", "arg_1": "#7", "resp": 0.024684482476021473 }, { "operator": "divide", "arg_1": "#6", "arg_2": "#8", "resp": 27.864861156267363 }, { "operator": "ceil", "arg_1": "#9", "resp": 28.0 } ], "program": [ "divide(29.99, 12)", "divide(#0, 100)", "multiply(995, #1)", "divide(#2, 50)", "subtract(1, #3)", "ln(#4)", "multiply(-1, #5)", "add(1, #1)", "ln(#7)", "divide(#6, #8)", "ceil(#9)" ], "question_tense": "THIRD", "financial_terms": [ "ANNUAL FEE", "PAYOFF TIME", "ROUND-UP RULE", "LOGARITHMIC PAYOFF CALCULATION", "ANNUALIZED FEE" ], "credit_card": "Barclaycard_combined.md" }, { "question": "If I carry over $50 balance to the next billing cycle, what percentage of my remaining balance next month will be due to interest charged on my current balance? The purchase APR is 24% and the minimum interest charge is $2?", "ground_truth": "4", "output_units": "%", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "24", "arg_2": "12", "resp": 2 }, { "operator": "divide", "arg_1": "#0", "arg_2": "100", "resp": 0.02 }, { "operator": "multiply", "arg_1": "#1", "arg_2": "50", "resp": 1 }, { "operator": "if", "arg_1": "less(#2, 2)", "arg_2": "2", "arg_3": "#2", "resp": 2 }, { "operator": "add", "arg_1": "#3", "arg_2": "50", "resp": 52 }, { "operator": "divide", "arg_1": "#3", "arg_2": "#4", "resp": 0.03846 }, { "operator": "multiply", "arg_1": "#5", "arg_2": "100", "resp": 3.846 }, { "operator": "add", "arg_1": "#6", "arg_2": "0.5", "resp": 4.346 }, { "operator": "floor", "arg_1": "#7", "resp": 4 } ], "program": [ "divide(24, 12)", "divide(#0, 100)", "multiply(#1, 50)", "if(less(#2, 2), 2, #2)", "add(#3, 50)", "divide(#3, #4)", "multiply(#5, 100)", "add(#6, 0.5)", "floor(#7)" ], "question_tense": "FIRST", "financial_terms": [ "PURCHASE APR", "MINIMUM INTEREST CHARGE", "ACCOUNT BALANCE", "BILLING CYCLE", "INTEREST ACCRUAL", "MINIMUM FEE RULE", "PERCENTAGE CALCULATION", "BILLING-CYCLE INTEREST", "REMAINING BALANCE", "CURRENT BALANCE", "ROUND-DOWN RULE", "CONDITIONAL FINANCIAL RULE", "CHASE CARD TERMS" ], "credit_card": "Barclaycard_combined.md" }, { "question": "30 days before the due date for payment, I withdrew $500 from my credit card using an ATM. I plan to make a payment of $10 every day until I pay it off. Am I going to be able to pay it off in two months? The cash advance APR is 24%?", "ground_truth": "TRUE", "output_units": "binary", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "10", "arg_2": "100", "resp": 0.1 }, { "operator": "multiply", "arg_1": "500", "arg_2": "#0", "resp": 50.0 }, { "operator": "add", "arg_1": "500", "arg_2": "#1", "resp": 550.0 }, { "operator": "multiply", "arg_1": "30", "arg_2": "10", "resp": 300.0 }, { "operator": "subtract", "arg_1": "#2", "arg_2": "#3", "resp": 250.0 }, { "operator": "divide", "arg_1": "24", "arg_2": "12", "resp": 2.0 }, { "operator": "divide", "arg_1": "#5", "arg_2": "100", "resp": 0.02 }, { "operator": "add", "arg_1": "1", "arg_2": "#6", "resp": 1.02 }, { "operator": "multiply", "arg_1": "#4", "arg_2": "#7", "resp": 255.0 }, { "operator": "divide", "arg_1": "#8", "arg_2": "10", "resp": 25.5 }, { "operator": "add", "arg_1": "#9", "arg_2": "30", "resp": 55.5 }, { "operator": "less", "arg_1": "#10", "arg_2": "60", "resp": "TRUE" } ], "program": [ "divide(10, 100)", "multiply(500, #0)", "add(500, #1)", "multiply(30, 10)", "subtract(#2, #3)", "divide(24, 12)", "divide(#5, 100)", "add(1, #6)", "multiply(#4, #7)", "divide(#8, 10)", "add(#9, 30)", "less(#10, 60)" ], "question_tense": "FIRST", "financial_terms": [ "CASH ADVANCE APR", "PAYOFF TIME", "PAYMENT DUE DATE", "ATM CASH ADVANCE", "THIRTY-DAY INTEREST", "PAYMENT DUE DATE CALCULATION" ], "credit_card": "Barclaycard_combined.md" }, { "question": "If I make $30 payment, which is more than the minimum payment due, on my $100 credit card balance, what balance will remain starting next month? The purchase APR is 24% and the minimum interest charge is $2?", "ground_truth": "72.00", "output_units": "$", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "24", "arg_2": "12", "resp": 2.0 }, { "operator": "divide", "arg_1": "#0", "arg_2": "100", "resp": 0.02 }, { "operator": "subtract", "arg_1": "100", "arg_2": "30", "resp": 70.0 }, { "operator": "multiply", "arg_1": "#2", "arg_2": "#1", "resp": 1.4 }, { "operator": "less", "arg_1": "#3", "arg_2": "2", "resp": "TRUE" }, { "operator": "add", "arg_1": "#2", "arg_2": "2", "resp": 72.0 }, { "operator": "add", "arg_1": "#2", "arg_2": "#3", "resp": 71.4 }, { "operator": "if", "arg_1": "#4", "arg_2": "#5", "arg_3": "#6", "resp": 72.0 } ], "program": [ "divide(24, 12)", "divide(#0, 100)", "subtract(100, 30)", "multiply(#2, #1)", "less(#3, 2)", "add(#2, 2)", "add(#2, #3)", "if(#4, #5, #6)" ], "question_tense": "FIRST", "financial_terms": [ "PURCHASE APR", "MINIMUM PAYMENT", "MINIMUM INTEREST CHARGE", "ACCOUNT BALANCE", "INTEREST ACCRUAL", "MINIMUM FEE RULE", "MINIMUM PAYMENT FORMULA", "CONDITIONAL FINANCIAL RULE", "CHASE CARD TERMS", "MINIMUM PAYMENT DUE" ], "credit_card": "Barclaycard_combined.md" }, { "question": "If I convert 300 pounds to USD and the remaining amount if a loan in USD how much in interest do I pay if I plan to contribute 15 dollars a month. Answer as a percentage of the total payment. The APR is 17.48% and the exachange rate is 1 pound = 1.28 USD?", "ground_truth": "20.69", "output_units": "%", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 1 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 1 } }, "steps": [ { "operator": "multiply", "arg_1": "300", "arg_2": "1.28", "resp": 384.0 }, { "operator": "divide", "arg_1": "17.48", "arg_2": "12", "resp": 1.4566666666666666 }, { "operator": "divide", "arg_1": "#1", "arg_2": "100", "resp": 0.014566666666666667 }, { "operator": "multiply", "arg_1": "#0", "arg_2": "#2", "resp": 5.5936 }, { "operator": "divide", "arg_1": "#3", "arg_2": "15", "resp": 0.37290666666666666 }, { "operator": "subtract", "arg_1": "1", "arg_2": "#4", "resp": 0.6270933333333333 }, { "operator": "log10", "arg_1": "#5", "resp": -0.2026 }, { "operator": "multiply", "arg_1": "-1", "arg_2": "#6", "resp": 0.2026 }, { "operator": "add", "arg_1": "1", "arg_2": "#2", "resp": 1.0145666666666666 }, { "operator": "log10", "arg_1": "#8", "resp": 0.00628 }, { "operator": "divide", "arg_1": "#7", "arg_2": "#9", "resp": 32.28 }, { "operator": "multiply", "arg_1": "15", "arg_2": "#10", "resp": 484.2 }, { "operator": "subtract", "arg_1": "#11", "arg_2": "#0", "resp": 100.2 }, { "operator": "divide", "arg_1": "#12", "arg_2": "#11", "resp": 0.2069 }, { "operator": "multiply", "arg_1": "#13", "arg_2": "100", "resp": 20.69 } ], "program": [ "multiply(300, 1.28)", "divide(17.48, 12)", "divide(#1, 100)", "multiply(#0, #2)", "divide(#3, 15)", "subtract(1, #4)", "log10(#5)", "multiply(-1, #6)", "add(1, #2)", "log10(#8)", "divide(#7, #9)", "multiply(15, #10)", "subtract(#11, #0)", "divide(#12, #11)", "multiply(#13, 100)" ], "question_tense": "FIRST", "financial_terms": [ "FOREIGN TRANSACTION", "PERCENTAGE CALCULATION", "LOAN REPAYMENT", "LOGARITHMIC PAYOFF CALCULATION" ], "credit_card": "Barclaycard_combined.md" }, { "question": "My credit card payment of $500 at a store got declined. As a result, I have to pay a late APR. I plan on paying back $20 a month. How long will it take me to pay it back? The late APR is 29.99%?", "ground_truth": "40", "output_units": "month", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 1, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 1, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "12", "arg_2": "100", "resp": 1200 }, { "operator": "divide", "arg_1": "29.99", "arg_2": "#0", "resp": 0.024991666666666666 }, { "operator": "multiply", "arg_1": "#1", "arg_2": "500", "resp": 12.495833333333334 }, { "operator": "divide", "arg_1": "#2", "arg_2": "20", "resp": 0.6247916666666666 }, { "operator": "subtract", "arg_1": "1", "arg_2": "#3", "resp": 0.37520833333333337 }, { "operator": "ln", "arg_1": "#4", "resp": -0.9802738517200261 }, { "operator": "add", "arg_1": "1", "arg_2": "#1", "resp": 1.0249916666666667 }, { "operator": "ln", "arg_1": "#6", "resp": 0.024684482476021473 }, { "operator": "divide", "arg_1": "multiply(-1, #5)", "arg_2": "#7", "resp": 39.7 }, { "operator": "ceil", "arg_1": "#8", "resp": 40 } ], "program": [ "multiply(12, 100)", "divide(29.99, #0)", "multiply(#1, 500)", "divide(#2, 20)", "subtract(1, #3)", "ln(#4)", "add(1, #1)", "ln(#6)", "divide(multiply(-1, #5), #7)", "ceil(#8)" ], "question_tense": "FIRST", "financial_terms": [ "PAYOFF TIME", "ROUND-UP RULE", "LOGARITHMIC PAYOFF CALCULATION" ], "credit_card": "Barclaycard_combined.md" }, { "question": "If I have $1500 cash advance on my credit card, using a 29.99% APR for Cash Advances, how long would it take for me to pay off the cash advance if I plan on making $200 fixed monthly payments?", "ground_truth": "9", "output_units": "month", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "29.99", "arg_2": "0.01", "resp": 0.2999 }, { "operator": "divide", "arg_1": "#0", "arg_2": "12", "resp": 0.024991666666666666 }, { "operator": "multiply", "arg_1": "#1", "arg_2": "1500", "resp": 37.4875 }, { "operator": "subtract", "arg_1": "200", "arg_2": "#2", "resp": 162.5125 }, { "operator": "divide", "arg_1": "200", "arg_2": "#3", "resp": 1.230674563495116 }, { "operator": "ln", "arg_1": "#4", "arg_2": "0", "resp": 0.20756244465974974 }, { "operator": "add", "arg_1": "1", "arg_2": "#1", "resp": 1.0249916666666667 }, { "operator": "ln", "arg_1": "#6", "arg_2": "0", "resp": 0.024684482476021473 }, { "operator": "divide", "arg_1": "#5", "arg_2": "#7", "resp": 8.408620470831263 }, { "operator": "ceil", "arg_1": "#8", "arg_2": "0", "resp": 9 } ], "program": [ "multiply(29.99, 0.01)", "divide(#0, 12)", "multiply(#1, 1500)", "subtract(200, #2)", "divide(200, #3)", "ln(#4, 0)", "add(1, #1)", "ln(#6, 0)", "divide(#5, #7)", "ceil(#8, 0)" ], "question_tense": "FIRST", "financial_terms": [ "CASH ADVANCE APR", "PAYOFF TIME", "MONTHLY PAYMENT", "BALANCE PAYOFF", "FIXED PAYMENT AMORTIZATION", "ROUND-UP RULE", "LOGARITHMIC PAYOFF CALCULATION", "FIXED MONTHLY REPAYMENT" ], "credit_card": "Blue Cash Everyday Card Cardmember Agreement-255458.md" }, { "question": "If a cardholder has $80 New Balance and $5 in interest, will their Minimum Payment Due be half of the maximum possible minimum payment?", "ground_truth": "TRUE", "output_units": "binary", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "1", "arg_2": "100", "resp": 0.01 }, { "operator": "multiply", "arg_1": "80", "arg_2": "#0", "resp": 0.8 }, { "operator": "add", "arg_1": "5", "arg_2": "#1", "resp": 5.8 }, { "operator": "divide", "arg_1": "2", "arg_2": "100", "resp": 0.02 }, { "operator": "multiply", "arg_1": "80", "arg_2": "#3", "resp": 1.6 }, { "operator": "max", "arg_1": "#2", "arg_2": "#4", "resp": 5.8 }, { "operator": "max", "arg_1": "#5", "arg_2": "40", "resp": 40 }, { "operator": "divide", "arg_1": "80", "arg_2": "2", "resp": 40 }, { "operator": "equal", "arg_1": "#6", "arg_2": "#7", "resp": "TRUE" } ], "program": [ "divide(1, 100)", "multiply(80, #0)", "add(5, #1)", "divide(2, 100)", "multiply(80, #3)", "max(#2, #4)", "max(#5, 40)", "divide(80, 2)", "equal(#6, #7)" ], "question_tense": "THIRD", "financial_terms": [ "MINIMUM PAYMENT", "ACCOUNT BALANCE", "MINIMUM PAYMENT FORMULA", "NEW BALANCE", "MAXIMUM SELECTION", "MINIMUM PAYMENT DUE", "MINIMUM PAYMENT ON NEW BALANCE" ], "credit_card": "Blue Cash Everyday Card Cardmember Agreement-255458.md" }, { "question": "Suppose a bank assigns different APRs for cash advances based on credit score. Basic Tier (<= 600 credit score) has 29.99% APR. Standard Tier (<= 750 credit score) has 24.99% APR. Premium Tier (> 750 credit score) has 19.99% APR If a cardholder with a credit score of 710 takes out $2,000 cash advance. What APR will they be charged?", "ground_truth": "24.99", "output_units": "%", "input_units": { "from_doc": { "%": 3, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 3, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "less_equal", "arg_1": "710", "arg_2": "600", "resp": "FALSE" }, { "operator": "less_equal", "arg_1": "710", "arg_2": "750", "resp": "TRUE" }, { "operator": "if", "arg_1": "#0", "arg_2": "29.99", "resp": 24.99 }, { "operator": "if", "arg_1": "#1", "arg_2": "#2", "resp": 24.99 } ], "program": [ "less_equal(710, 600)", "less_equal(710, 750)", "if(#0, 29.99)", "if(#1, #2)" ], "question_tense": "THIRD", "financial_terms": [ "CASH ADVANCE APR", "CREDIT TIER", "CREDIT-SCORE APR TIER", "CONDITIONAL FINANCIAL RULE" ], "credit_card": "Blue Cash Everyday Card Cardmember Agreement-255458.md" }, { "question": "If a cardholder makes $1,500 purchase at 19% APR and makes no payments for 3 months, will the simple interest exceed $75?", "ground_truth": "FALSE", "output_units": "binary", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 1, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 1, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "19", "arg_2": "36500", "resp": 0.0005205479452054794 }, { "operator": "add", "arg_1": "1", "arg_2": "#0", "resp": 1.0005205479452055 }, { "operator": "multiply", "arg_1": "30", "arg_2": "3", "resp": 90 }, { "operator": "exponent", "arg_1": "#1", "arg_2": "#2", "resp": 1.047951310780929 }, { "operator": "subtract", "arg_1": "#3", "arg_2": "1", "resp": 0.04795131078092897 }, { "operator": "multiply", "arg_1": "1500", "arg_2": "#4", "resp": 71.9269661713936 }, { "operator": "greater", "arg_1": "#5", "arg_2": "75", "resp": "FALSE" } ], "program": [ "divide(19, 36500)", "add(1, #0)", "multiply(30, 3)", "exponent(#1, #2)", "subtract(#3, 1)", "multiply(1500, #4)", "greater(#5, 75)" ], "question_tense": "THIRD", "financial_terms": [ "DAILY PERIODIC RATE", "PURCHASE APR", "SIMPLE INTEREST", "INTEREST ACCRUAL", "SIMPLE INTEREST CALCULATION", "365-DAY RATE BASIS", "EXPONENTIAL INTEREST CALCULATION", "CHASE CARD TERMS", "INTEREST THRESHOLD", "NO-PAYMENT SCENARIO" ], "credit_card": "Blue Cash Everyday Card Cardmember Agreement-255458.md" }, { "question": "I have $2000 balance that I forgot to pay. As a result, a penalty APR imposed by the company of 35% is incurred. How much would I pay each month if I wanted to pay off the balance in 12 months of equal payments. Round up to the nearest whole number of dollars?", "ground_truth": "200.00", "output_units": "$", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 1, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 1, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": 0.35, "arg_2": 12, "resp": 0.029166666666666664 }, { "operator": "add", "arg_1": 1, "arg_2": "#0", "resp": 1.0291666666666666 }, { "operator": "exponent", "arg_1": "#1", "arg_2": -12, "resp": 0.7082253397590315 }, { "operator": "subtract", "arg_1": 1, "arg_2": "#2", "resp": 0.29177466024096854 }, { "operator": "multiply", "arg_1": 2000, "arg_2": "#0", "resp": 58.33333333333333 }, { "operator": "divide", "arg_1": "#4", "arg_2": "#3", "resp": 199.92597467222637 }, { "operator": "ceil", "arg_1": "#5", "resp": 200 } ], "program": [ "divide(0.35, 12)", "add(1, #0)", "exponent(#1, -12)", "subtract(1, #2)", "multiply(2000, #0)", "divide(#4, #3)", "ceil(#5)" ], "question_tense": "FIRST", "financial_terms": [ "PENALTY APR", "ACCOUNT BALANCE", "PAYOFF TIME", "BALANCE PAYOFF", "ROUND-UP RULE", "EXPONENTIAL INTEREST CALCULATION" ], "credit_card": "Blue Cash Everyday Card Cardmember Agreement-255458.md" }, { "question": "If a cardholder transfers $3,000 per month, how many months will it take for their total balance transfer fees to exceed $500?", "ground_truth": "6", "output_units": "month", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "3", "arg_2": "0.01", "resp": 0.03 }, { "operator": "multiply", "arg_1": "3000", "arg_2": "#0", "resp": 90 }, { "operator": "max", "arg_1": "5", "arg_2": "#1", "resp": 90 }, { "operator": "divide", "arg_1": "500", "arg_2": "#2", "resp": 5.555555555555555 }, { "operator": "ceil", "arg_1": "#3", "arg_2": "0", "resp": 6 } ], "program": [ "multiply(3, 0.01)", "multiply(3000, #0)", "max(5, #1)", "divide(500, #2)", "ceil(#3, 0)" ], "question_tense": "THIRD", "financial_terms": [ "BALANCE TRANSFER FEE", "ACCOUNT BALANCE", "PAYOFF TIME", "MONTHLY PAYMENT", "TOTAL BALANCE", "ROUND-UP RULE", "MAXIMUM SELECTION", "CUMULATIVE FEE TOTAL", "MONTHLY FEE" ], "credit_card": "Blue Cash Everyday Card Cardmember Agreement-255458.md" }, { "question": "If a cardholder makes $2,500 purchase at 22% APR and makes no payments, how many months until interest exceeds $250? The interest is compounded daily, and assume no other rates apply, just the purchase APR. Round the answer to a whole number of months?", "ground_truth": "6", "output_units": "month", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "22", "arg_2": "100", "resp": 0.22 }, { "operator": "divide", "arg_1": "#0", "arg_2": "12", "resp": 0.018333333333333333 }, { "operator": "multiply", "arg_1": "2500", "arg_2": "#1", "resp": 45.83333333333333 }, { "operator": "divide", "arg_1": "250", "arg_2": "#2", "resp": 5.454545454545455 }, { "operator": "ceil", "arg_1": "#3", "arg_2": "0", "resp": 6 } ], "program": [ "divide(22, 100)", "divide(#0, 12)", "multiply(2500, #1)", "divide(250, #2)", "ceil(#3, 0)" ], "question_tense": "THIRD", "financial_terms": [ "DAILY PERIODIC RATE", "PURCHASE APR", "DAILY COMPOUNDING", "INTEREST ACCRUAL", "PAYOFF TIME", "DAILY COMPOUNDING INTEREST", "ROUND-UP RULE", "CHASE CARD TERMS", "INTEREST THRESHOLD", "NO-PAYMENT SCENARIO" ], "credit_card": "Blue Cash Everyday Card Cardmember Agreement-255458.md" }, { "question": "If the current APR is 20% and the cardholder has a balance of $1000, how much interest accrues in 1 day based on the DPR, and would the cardholder have to pay more than $1 interest?", "ground_truth": "FALSE", "output_units": "binary", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "20", "arg_2": "365", "resp": 0.0547945205479452 }, { "operator": "divide", "arg_1": "#0", "arg_2": "100", "resp": 0.000547945205479452 }, { "operator": "multiply", "arg_1": "1000", "arg_2": "#1", "resp": 0.547945205479452 }, { "operator": "less", "arg_1": "1", "arg_2": "#2", "resp": "FALSE" } ], "program": [ "divide(20, 365)", "divide(#0, 100)", "multiply(1000, #1)", "less(1, #2)" ], "question_tense": "THIRD", "financial_terms": [ "DAILY PERIODIC RATE", "APR TO DPR CONVERSION", "ACCOUNT BALANCE", "INTEREST ACCRUAL", "ONE-DAY INTEREST", "365-DAY RATE BASIS" ], "credit_card": "Blue Cash Everyday Card Cardmember Agreement-255458.md" }, { "question": "If a customer withdraws $2678 on the card at an APR of 15%, pays back $2000 after 2 months and then makes no more payments, how many days will it take for the money he owes to become equal to $1500?", "ground_truth": "1932", "output_units": "day", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 1, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 1, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 1, "day": 1, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "subtract", "arg_1": "2678", "arg_2": "2000", "resp": 678 }, { "operator": "divide", "arg_1": "15", "arg_2": "100", "resp": 0.15 }, { "operator": "divide", "arg_1": "#1", "arg_2": "365", "resp": 0.0004109589 }, { "operator": "add", "arg_1": "1", "arg_2": "#2", "resp": 1.0004109589 }, { "operator": "divide", "arg_1": "1500", "arg_2": "#0", "resp": 2.212389 }, { "operator": "ln", "arg_1": "#4", "resp": 0.7936 }, { "operator": "ln", "arg_1": "#3", "resp": 0.0004107 }, { "operator": "divide", "arg_1": "#5", "arg_2": "#6", "resp": 1932.0 } ], "program": [ "subtract(2678, 2000)", "divide(15, 100)", "divide(#1, 365)", "add(1, #2)", "divide(1500, #0)", "ln(#4)", "ln(#3)", "divide(#5, #6)" ], "question_tense": "THIRD", "financial_terms": [ "CASH ADVANCE APR", "PAYOFF TIME", "365-DAY RATE BASIS", "LOGARITHMIC PAYOFF CALCULATION" ], "credit_card": "Capital One - Credit Card Agreement for Visa Signature and World Mastercard Cards-255666.md" }, { "question": "Let's say I pay double the minimum payment each cycle ($100 if min is $50), then does that mean I can cut the payoff time in half for $2,000 balance with 20% APR and monthly compounding?", "ground_truth": "FALSE", "output_units": "binary", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "50", "arg_2": "2", "resp": 100 }, { "operator": "greater_equal", "arg_1": "100", "arg_2": "#0", "resp": "TRUE" }, { "operator": "if", "arg_1": "#1", "arg_2": "FALSE", "arg_3": "TRUE", "resp": "FALSE" } ], "program": [ "multiply(50, 2)", "greater_equal(100, #0)", "if(#1, FALSE, TRUE)" ], "question_tense": "THIRD", "financial_terms": [ "PROMOTIONAL APR", "MINIMUM PAYMENT", "ACCOUNT BALANCE", "MONTHLY COMPOUNDING", "MONTHLY COMPOUNDING INTEREST", "MINIMUM PAYMENT FORMULA", "CONDITIONAL FINANCIAL RULE", "BALANCE DOUBLING TIME", "ZERO PERCENT PROMOTIONAL APR" ], "credit_card": "Capital One - Credit Card Agreement for Visa Signature and World Mastercard Cards-255666.md" }, { "question": "A cardholder wants to pay off $2,000 balance while minimizing the interest charges to $100. How quickly must he pay the outstanding balance (APR of 28.99%)?", "ground_truth": "63", "output_units": "day", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "28.99", "arg_2": "365", "resp": 0.07942465753424657 }, { "operator": "divide", "arg_1": "#0", "arg_2": "100", "resp": 0.0007942465753424657 }, { "operator": "add", "arg_1": "2000", "arg_2": "100", "resp": 2100 }, { "operator": "divide", "arg_1": "#2", "arg_2": "2000", "resp": 1.05 }, { "operator": "subtract", "arg_1": "#3", "arg_2": "1", "resp": 0.050000000000000044 }, { "operator": "divide", "arg_1": "#4", "arg_2": "#1", "resp": 62.95274232493969 }, { "operator": "add", "arg_1": "#5", "arg_2": "0.5", "resp": 63.45274232493969 }, { "operator": "floor", "arg_1": "#6", "resp": 63 } ], "program": [ "divide(28.99, 365)", "divide(#0, 100)", "add(2000, 100)", "divide(#2, 2000)", "subtract(#3, 1)", "divide(#4, #1)", "add(#5, 0.5)", "floor(#6)" ], "question_tense": "THIRD", "financial_terms": [ "PURCHASE APR", "ACCOUNT BALANCE", "INTEREST ACCRUAL", "PAYOFF TIME", "BALANCE PAYOFF", "OUTSTANDING BALANCE", "ROUND-DOWN RULE", "365-DAY RATE BASIS" ], "credit_card": "Capital One - Credit Card Agreement for Visa Signature and World Mastercard Cards-255666.md" }, { "question": "let's say ou rcard requires either 1% of the statement balance or $35, plus any interest/fees. The statement shows $2,000 new balance and $40 in fees, so the total is $2,040. Which min payment is required if 1% is less than $35?", "ground_truth": "75.00", "output_units": "$", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "add", "arg_1": "2000", "arg_2": "40", "resp": 2040 }, { "operator": "multiply", "arg_1": "#0", "arg_2": "0.01", "resp": 20.4 }, { "operator": "less", "arg_1": "#1", "arg_2": "35", "resp": "TRUE" }, { "operator": "if", "arg_1": "#2", "arg_2": "35", "arg_3": "#1", "resp": 35 }, { "operator": "add", "arg_1": "#3", "arg_2": "40", "resp": 75 } ], "program": [ "add(2000, 40)", "multiply(#0, 0.01)", "less(#1, 35)", "if(#2, 35, #1)", "add(#3, 40)" ], "question_tense": "THIRD", "financial_terms": [ "MINIMUM PAYMENT", "ACCOUNT BALANCE", "NEW BALANCE", "CONDITIONAL FINANCIAL RULE", "PERCENTAGE-BASED FEE" ], "credit_card": "Capital One - Credit Card Agreement for Visa Signature and World Mastercard Cards-255666.md" }, { "question": "Let's say our minimum payment is 3% of the new balance or $25, whichever is greater. Now we know that the new balance is $400 for interest/fees plus $1,600 principal = $2,000 total. How much is the minimum payment?", "ground_truth": "60.00", "output_units": "$", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "2000", "arg_2": "0.03", "resp": 60 }, { "operator": "greater", "arg_1": "#0", "arg_2": "25", "resp": "TRUE" }, { "operator": "if", "arg_1": "#1", "arg_2": "#0", "arg_3": "25", "resp": 60 } ], "program": [ "multiply(2000, 0.03)", "greater(#0, 25)", "if(#1, #0, 25)" ], "question_tense": "THIRD", "financial_terms": [ "MINIMUM PAYMENT", "ACCOUNT BALANCE", "MINIMUM FEE RULE", "MINIMUM PAYMENT FORMULA", "PRINCIPAL REDUCTION", "NEW BALANCE", "CONDITIONAL FINANCIAL RULE", "PERCENTAGE-BASED FEE", "MINIMUM PAYMENT ON NEW BALANCE" ], "credit_card": "Capital One - Credit Card Agreement for Visa Signature and World Mastercard Cards-255666.md" }, { "question": "Let's say the cardholder gets an offer like '0% for 15 months on transfers.' If the cardholder transfers $2,400 and pay $200 monthly, in how many months does the cardholder finishes paying it off?", "ground_truth": "12", "output_units": "month", "input_units": { "from_doc": { "%": 0, "month": 1, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 1, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 2, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "200", "arg_2": "12", "resp": 2400 }, { "operator": "equal", "arg_1": "#0", "arg_2": "2400", "resp": "TRUE" }, { "operator": "if", "arg_1": "#1", "arg_2": "12", "arg_3": "15", "resp": 12 } ], "program": [ "multiply(200, 12)", "equal(#0, 2400)", "if(#1, 12, 15)" ], "question_tense": "THIRD", "financial_terms": [ "PAYOFF TIME", "CONDITIONAL FINANCIAL RULE" ], "credit_card": "Capital One - Credit Card Agreement for Visa Signature and World Mastercard Cards-255666.md" }, { "question": "Let's say the cardholder's Daily Periodic Rate is 0.00055 then in a 30 day cycle for $2000 which is compounded daily, what is total interest accrued?", "ground_truth": "33.20", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 1, "year": 0, "$": 0, "binary": 0, "categorical": 1 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 1, "year": 0, "$": 1, "binary": 0, "categorical": 1 } }, "steps": [ { "operator": "add", "arg_1": "1", "arg_2": "0.00055", "resp": 1.00055 }, { "operator": "exponent", "arg_1": "#0", "arg_2": "30", "resp": 1.0166 }, { "operator": "subtract", "arg_1": "#1", "arg_2": "1", "resp": 0.0166 }, { "operator": "multiply", "arg_1": "2000", "arg_2": "#2", "resp": 33.2 } ], "program": [ "add(1, 0.00055)", "exponent(#0, 30)", "subtract(#1, 1)", "multiply(2000, #2)" ], "question_tense": "THIRD", "financial_terms": [ "DAILY PERIODIC RATE", "PURCHASE APR", "DAILY COMPOUNDING", "INTEREST ACCRUAL", "DAILY COMPOUNDING INTEREST", "EXPONENTIAL INTEREST CALCULATION" ], "credit_card": "Capital One - Credit Card Agreement for Visa Signature and World Mastercard Cards-255666.md" }, { "question": "If a card charges 20% APR on bank cash advance and a customer withdraws $2000 on January 1, 2024 and pays back $2000 on March 15, 2024, how much interest does he still owe?", "ground_truth": "82.00", "output_units": "$", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 1, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 1, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 2, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "20", "arg_2": "100", "resp": 0.2 }, { "operator": "divide", "arg_1": "#0", "arg_2": "365", "resp": 0.000547945 }, { "operator": "add", "arg_1": "1", "arg_2": "#1", "resp": 1.000547945 }, { "operator": "exponent", "arg_1": "#2", "arg_2": "73", "resp": 1.041 }, { "operator": "multiply", "arg_1": "2000", "arg_2": "#3", "resp": 2082 }, { "operator": "subtract", "arg_1": "#4", "arg_2": "2000", "resp": 82 } ], "program": [ "divide(20, 100)", "divide(#0, 365)", "add(1, #1)", "exponent(#2, 73)", "multiply(2000, #3)", "subtract(#4, 2000)" ], "question_tense": "THIRD", "financial_terms": [ "PROMOTIONAL APR", "CASH ADVANCE APR", "365-DAY RATE BASIS", "EXPONENTIAL INTEREST CALCULATION", "BANK CASH ADVANCE", "ZERO PERCENT PROMOTIONAL APR" ], "credit_card": "Capital One - Credit Card Agreement for Visa Signature and World Mastercard Cards-255666.md" }, { "question": "A customer is late on their payment. Which of the following conditions will trigger a Penalty APR? (A) Being 30 days late (B) Being 60 days late (C) Being 15 days late?", "ground_truth": "Being 60 days late", "output_units": "categorical", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 3, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 3, "year": 0, "$": 0, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "greater", "arg_1": "60", "arg_2": "30", "resp": "TRUE" }, { "operator": "if", "arg_1": "#0", "arg_2": "60", "arg_3": "30", "resp": 60 }, { "operator": "greater", "arg_1": "#1", "arg_2": "15", "resp": "TRUE" }, { "operator": "if", "arg_1": "#2", "arg_2": "#1", "arg_3": "15", "resp": 60 }, { "operator": "equal", "arg_1": "#3", "arg_2": "60", "resp": "TRUE" }, { "operator": "if", "arg_1": "#4", "arg_2": "Being 60 days late", "arg_3": "Being 30 days late", "resp": "Being 60 days late" } ], "program": [ "greater(60, 30)", "if(#0, 60, 30)", "greater(#1, 15)", "if(#2, #1, 15)", "equal(#3, 60)", "if(#4, Being 60 days late, Being 30 days late)" ], "question_tense": "THIRD", "financial_terms": [ "PENALTY APR", "THIRTY-DAY INTEREST", "CONDITIONAL FINANCIAL RULE" ], "credit_card": "CitiRewardsStudent_combined.md" }, { "question": "If a credit card has a Minimum Interest Charge of $0.50, which of the following will be charged this fee? (A) A customer with $0.25 interest (B) A customer with $0.75 interest (C) A customer with no interest?", "ground_truth": "A customer with $0.25 interest", "output_units": "categorical", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "greater", "arg_1": "0.25", "arg_2": "0", "resp": "TRUE" }, { "operator": "less", "arg_1": "0.25", "arg_2": "0.50", "resp": "TRUE" }, { "operator": "if", "arg_1": "#0", "arg_2": "#1", "arg_3": "FALSE", "resp": "TRUE" }, { "operator": "if", "arg_1": "#2", "arg_2": "A customer with $0.25 interest", "arg_3": "", "resp": "A customer with $0.25 interest" } ], "program": [ "greater(0.25, 0)", "less(0.25, 0.50)", "if(#0, #1, FALSE)", "if(#2, A customer with $0.25 interest, )" ], "question_tense": "THIRD", "financial_terms": [ "MINIMUM INTEREST CHARGE", "INTEREST ACCRUAL", "MINIMUM FEE RULE", "CONDITIONAL FINANCIAL RULE" ], "credit_card": "CitiRewardsStudent_combined.md" }, { "question": "A cardholder has a minimum payment due of $120. If their account type is \"Standard\" or \"Premium\", and Premium accounts get a grace period extension, will they still be charged a late fee if they pay one day late?", "ground_truth": "TRUE", "output_units": "binary", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 1 }, "from_user": { "%": 0, "month": 0, "day": 1, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 1, "year": 0, "$": 1, "binary": 0, "categorical": 1 } }, "steps": [ { "operator": "equal", "arg_1": "Standard", "arg_2": "Premium", "resp": "FALSE" }, { "operator": "if", "arg_1": "#0", "arg_2": "0", "arg_3": "1", "resp": 1.0 }, { "operator": "greater", "arg_1": "#1", "arg_2": "0", "resp": "TRUE" } ], "program": [ "equal(Standard, Premium)", "if(#0, 0, 1)", "greater(#1, 0)" ], "question_tense": "THIRD", "financial_terms": [ "LATE PAYMENT FEE", "MINIMUM PAYMENT", "GRACE PERIOD", "MINIMUM FEE RULE", "ONE-DAY INTEREST", "MINIMUM PAYMENT FORMULA", "CONDITIONAL FINANCIAL RULE", "MINIMUM PAYMENT DUE" ], "credit_card": "CitiRewardsStudent_combined.md" }, { "question": "If someone transfers $3,200 with a 3% fee and a 22% APR, will their balance exceed $4,000 after 12 months?", "ground_truth": "TRUE", "output_units": "binary", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 2, "month": 1, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 1, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "3200", "arg_2": "0.03", "resp": 96 }, { "operator": "add", "arg_1": "3200", "arg_2": "#0", "resp": 3296 }, { "operator": "divide", "arg_1": "22", "arg_2": "12", "resp": 1.8333333333333333 }, { "operator": "divide", "arg_1": "#2", "arg_2": "100", "resp": 0.018333333333333333 }, { "operator": "add", "arg_1": "1", "arg_2": "#3", "resp": 1.0183333333333333 }, { "operator": "exponent", "arg_1": "#4", "arg_2": "12", "resp": 1.2435965779444824 }, { "operator": "multiply", "arg_1": "#1", "arg_2": "#5", "resp": 4098.894320905014 }, { "operator": "greater", "arg_1": "#6", "arg_2": "4000", "resp": "TRUE" } ], "program": [ "multiply(3200, 0.03)", "add(3200, #0)", "divide(22, 12)", "divide(#2, 100)", "add(1, #3)", "exponent(#4, 12)", "multiply(#1, #5)", "greater(#6, 4000)" ], "question_tense": "THIRD", "financial_terms": [ "BALANCE TRANSFER APR", "BALANCE TRANSFER FEE", "ACCOUNT BALANCE", "EXPONENTIAL INTEREST CALCULATION", "PERCENTAGE-BASED FEE", "BALANCE THRESHOLD" ], "credit_card": "CitiRewardsStudent_combined.md" }, { "question": "A customer makes $900 purchase in Europe using their credit card. The foreign transaction fee is 3%, but the merchant offers an option to pay in USD instead. If the merchant's exchange rate results in a 4% additional charge, should the customer pay in local currency or USD?", "ground_truth": "Local Currency", "output_units": "categorical", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "900", "arg_2": "0.03", "resp": 27 }, { "operator": "multiply", "arg_1": "900", "arg_2": "0.04", "resp": 36 }, { "operator": "less", "arg_1": "#0", "arg_2": "#1", "resp": "TRUE" }, { "operator": "if", "arg_1": "#2", "arg_2": "Local Currency", "arg_3": "USD", "resp": "Local Currency" } ], "program": [ "multiply(900, 0.03)", "multiply(900, 0.04)", "less(#0, #1)", "if(#2, Local Currency, USD)" ], "question_tense": "THIRD", "financial_terms": [ "PURCHASE TRANSACTION", "FOREIGN TRANSACTION FEE", "CURRENCY CONVERSION", "EXCHANGE RATE CONVERSION", "TRANSACTION FEE CALCULATION", "CONDITIONAL FINANCIAL RULE", "CHASE CARD TERMS" ], "credit_card": "CitiRewardsStudent_combined.md" }, { "question": "A cardholder pays 10 days late. Their account status is marked as \"New Customer\" or \"Established Customer\" based on account tenure. If established customers get a grace period before a late fee applies, will they be charged?", "ground_truth": "TRUE", "output_units": "binary", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 1 }, "from_user": { "%": 0, "month": 0, "day": 1, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 1, "year": 0, "$": 0, "binary": 0, "categorical": 1 } }, "steps": [ { "operator": "equal", "arg_1": "New Customer", "arg_2": "New Customer", "resp": "TRUE" }, { "operator": "if", "arg_1": "#0", "arg_2": "0", "arg_3": "5", "resp": "0" }, { "operator": "subtract", "arg_1": "10", "arg_2": "#1", "resp": 10.0 }, { "operator": "greater", "arg_1": "#2", "arg_2": "0", "resp": "TRUE" } ], "program": [ "equal(New Customer, New Customer)", "if(#0, 0, 5)", "subtract(10, #1)", "greater(#2, 0)" ], "question_tense": "THIRD", "financial_terms": [ "LATE PAYMENT FEE", "GRACE PERIOD", "CONDITIONAL FINANCIAL RULE" ], "credit_card": "CitiRewardsStudent_combined.md" }, { "question": "A cardholder has a minimum payment due of $60 but only pays $20 before the due date. If they also have an outstanding balance of $1,200, and a late fee applies, how much will they owe at the start of the next billing cycle, excluding interest?", "ground_truth": "1270.00", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 4, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "subtract", "arg_1": "60", "arg_2": "20", "resp": 40 }, { "operator": "add", "arg_1": "#0", "arg_2": "30", "resp": 70 }, { "operator": "add", "arg_1": "#1", "arg_2": "1200", "resp": 1270 } ], "program": [ "subtract(60, 20)", "add(#0, 30)", "add(#1, 1200)" ], "question_tense": "THIRD", "financial_terms": [ "LATE PAYMENT FEE", "MINIMUM PAYMENT", "ACCOUNT BALANCE", "BILLING CYCLE", "MINIMUM FEE RULE", "PAYMENT DUE DATE", "BILLING-CYCLE INTEREST", "MINIMUM PAYMENT FORMULA", "PAYMENT DUE DATE CALCULATION", "OUTSTANDING BALANCE", "MINIMUM PAYMENT DUE" ], "credit_card": "CitiRewardsStudent_combined.md" }, { "question": "A customer withdraws $800 and has an APR of 30.74%. If interest is compounded daily, how much interest accrues in 45 days?", "ground_truth": "31.47", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 1, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 1, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "30.74", "arg_2": "365", "resp": 0.084219 }, { "operator": "divide", "arg_1": "#0", "arg_2": "100", "resp": 0.00084219 }, { "operator": "add", "arg_1": "1", "arg_2": "#1", "resp": 1.00084219 }, { "operator": "exponent", "arg_1": "#2", "arg_2": "45", "resp": 1.0386 }, { "operator": "multiply", "arg_1": "800", "arg_2": "#3", "resp": 830.88 }, { "operator": "subtract", "arg_1": "#4", "arg_2": "800", "resp": 30.88 }, { "operator": "add", "arg_1": "#5", "arg_2": "0.59", "resp": 31.47 } ], "program": [ "divide(30.74, 365)", "divide(#0, 100)", "add(1, #1)", "exponent(#2, 45)", "multiply(800, #3)", "subtract(#4, 800)", "add(#5, 0.59)" ], "question_tense": "THIRD", "financial_terms": [ "CASH ADVANCE APR", "DAILY COMPOUNDING", "INTEREST ACCRUAL", "DAILY COMPOUNDING INTEREST", "365-DAY RATE BASIS", "EXPONENTIAL INTEREST CALCULATION" ], "credit_card": "CitiRewardsStudent_combined.md" }, { "question": "If $500 cash advance is taken at 28.49% APR, will the total owed exceed $600 in 6 months?", "ground_truth": "FALSE", "output_units": "binary", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 1, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 1, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "28.49", "arg_2": "12", "resp": 2.3741666666666665 }, { "operator": "divide", "arg_1": "#0", "arg_2": "100", "resp": 0.023741666666666664 }, { "operator": "add", "arg_1": "1", "arg_2": "#1", "resp": 1.0237416666666668 }, { "operator": "exponent", "arg_1": "#2", "arg_2": "6", "resp": 1.1511774600380345 }, { "operator": "multiply", "arg_1": "500", "arg_2": "#3", "resp": 575.5887300190172 }, { "operator": "greater", "arg_1": "#4", "arg_2": "600", "resp": "FALSE" } ], "program": [ "divide(28.49, 12)", "divide(#0, 100)", "add(1, #1)", "exponent(#2, 6)", "multiply(500, #3)", "greater(#4, 600)" ], "question_tense": "THIRD", "financial_terms": [ "CASH ADVANCE APR", "EXPONENTIAL INTEREST CALCULATION" ], "credit_card": "CitiRewardsStudent_combined.md" }, { "question": "A cardholder misses two consecutive minimum payments. If their APR increases to 29.99%, how much interest accrues on $4,000 balance after 2 months?", "ground_truth": "204.46", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 2, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 2, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "29.99", "arg_2": "12", "resp": 2.49917 }, { "operator": "divide", "arg_1": "#0", "arg_2": "100", "resp": 0.0249917 }, { "operator": "add", "arg_1": "1", "arg_2": "#1", "resp": 1.0249917 }, { "operator": "exponent", "arg_1": "#2", "arg_2": "2", "resp": 1.05062 }, { "operator": "multiply", "arg_1": "4000", "arg_2": "#3", "resp": 4202.48 }, { "operator": "subtract", "arg_1": "#4", "arg_2": "4000", "resp": 202.48 }, { "operator": "add", "arg_1": "#5", "arg_2": "1.98", "resp": 204.46 } ], "program": [ "divide(29.99, 12)", "divide(#0, 100)", "add(1, #1)", "exponent(#2, 2)", "multiply(4000, #3)", "subtract(#4, 4000)", "add(#5, 1.98)" ], "question_tense": "THIRD", "financial_terms": [ "PENALTY APR", "LATE PAYMENT", "MINIMUM PAYMENT", "ACCOUNT BALANCE", "INTEREST ACCRUAL", "APR CHANGE", "MINIMUM PAYMENT FORMULA", "RECURRING PAYMENT VIOLATION", "EXPONENTIAL INTEREST CALCULATION" ], "credit_card": "CitiRewardsStudent_combined.md" }, { "question": "Today is January 1st 2025, and it is the start of a new billing period. I have no balance. If I make a purchase of $100 on January 2nd, at what date will my daily balance be equal to $102? Assume I have the minimum purchase APR?", "ground_truth": "February 5th 2025", "output_units": "categorical", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "21.24", "arg_2": "100", "resp": 0.2124 }, { "operator": "divide", "arg_1": "#0", "arg_2": "365", "resp": 0.0005824657534246575 }, { "operator": "add", "arg_1": "1", "arg_2": "#1", "resp": 1.0005824657534248 }, { "operator": "divide", "arg_1": "102", "arg_2": "100", "resp": 1.02 }, { "operator": "ln", "arg_1": "#3", "resp": 0.01980262729617973 }, { "operator": "ln", "arg_1": "#2", "resp": 0.0005824055282684105 }, { "operator": "divide", "arg_1": "#4", "arg_2": "#5", "resp": 34.0 }, { "operator": "equal", "arg_1": "#6", "arg_2": "34", "resp": "TRUE" }, { "operator": "if", "arg_1": "#7", "arg_2": "February 5th 2025", "arg_3": "Unknown Date", "resp": "February 5th 2025" } ], "program": [ "divide(21.24, 100)", "divide(#0, 365)", "add(1, #1)", "divide(102, 100)", "ln(#3)", "ln(#2)", "divide(#4, #5)", "equal(#6, 34)", "if(#7, February 5th 2025, Unknown Date)" ], "question_tense": "FIRST", "financial_terms": [ "PURCHASE APR", "DAILY BALANCE", "365-DAY RATE BASIS", "CONDITIONAL FINANCIAL RULE", "LOGARITHMIC PAYOFF CALCULATION", "CHASE CARD TERMS" ], "credit_card": "CitiStrataPremier.md" }, { "question": "Today is January 1st 2025, and it is the start of a new billing period. I have no balance. On January 6th I will make a purchase of $5, and on january 8th I will transfer $10. Assume I have the max transfer APR and the max purchase APR. What will be my daily balance on January 20th?", "ground_truth": "15.15", "output_units": "$", "input_units": { "from_doc": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "29.74", "arg_2": "100", "resp": 0.2974 }, { "operator": "divide", "arg_1": "#0", "arg_2": "365", "resp": 0.0008147945205479452 }, { "operator": "add", "arg_1": "1", "arg_2": "#1", "resp": 1.000814794520548 }, { "operator": "exponent", "arg_1": "#2", "arg_2": "14", "resp": 1.011467734629641 }, { "operator": "multiply", "arg_1": "5", "arg_2": "#3", "resp": 5.057338673148205 }, { "operator": "divide", "arg_1": "29.24", "arg_2": "100", "resp": 0.2924 }, { "operator": "divide", "arg_1": "#5", "arg_2": "365", "resp": 0.0008010958904109589 }, { "operator": "add", "arg_1": "1", "arg_2": "#6", "resp": 1.000801095890411 }, { "operator": "exponent", "arg_1": "#7", "arg_2": "12", "resp": 1.009655619797889 }, { "operator": "multiply", "arg_1": "10", "arg_2": "#8", "resp": 10.09655619797889 }, { "operator": "add", "arg_1": "#4", "arg_2": "#9", "resp": 15.153894871127095 }, { "operator": "round", "arg_1": "#10", "arg_2": "2", "resp": 15.15 } ], "program": [ "divide(29.74, 100)", "divide(#0, 365)", "add(1, #1)", "exponent(#2, 14)", "multiply(5, #3)", "divide(29.24, 100)", "divide(#5, 365)", "add(1, #6)", "exponent(#7, 12)", "multiply(10, #8)", "add(#4, #9)", "round(#10, 2)" ], "question_tense": "FIRST", "financial_terms": [ "BALANCE TRANSFER APR", "PURCHASE APR", "ACCOUNT BALANCE", "DAILY BALANCE", "ROUNDING RULE", "365-DAY RATE BASIS", "EXPONENTIAL INTEREST CALCULATION", "CHASE CARD TERMS" ], "credit_card": "CitiStrataPremier.md" }, { "question": "If I make $100 purchase on January 1st and the billing due date is January 30th, what’s the worst case scenario of how much in fees and interest would I have to pay if I’m late and end up paying on January 31st?", "ground_truth": "42.43", "output_units": "$", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 2, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 2, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "subtract", "arg_1": "31", "arg_2": "1", "resp": 30 }, { "operator": "divide", "arg_1": "29.24", "arg_2": "365", "resp": 0.08010958904109589 }, { "operator": "divide", "arg_1": "#1", "arg_2": "100", "resp": 0.0008010958904109589 }, { "operator": "add", "arg_1": "1", "arg_2": "#2", "resp": 1.000801095890411 }, { "operator": "exponent", "arg_1": "#3", "arg_2": "#0", "resp": 1.024313957719 }, { "operator": "multiply", "arg_1": "100", "arg_2": "#4", "resp": 102.4313957719 }, { "operator": "subtract", "arg_1": "#5", "arg_2": "100", "resp": 2.4313957719 }, { "operator": "add", "arg_1": "40", "arg_2": "#6", "resp": 42.4313957719 }, { "operator": "round", "arg_1": "#7", "arg_2": "2", "resp": 42.43 } ], "program": [ "subtract(31, 1)", "divide(29.24, 365)", "divide(#1, 100)", "add(1, #2)", "exponent(#3, #0)", "multiply(100, #4)", "subtract(#5, 100)", "add(40, #6)", "round(#7, 2)" ], "question_tense": "FIRST", "financial_terms": [ "CASH ADVANCE APR", "CASH ADVANCE FEE", "PURCHASE APR", "PAYMENT DUE DATE", "PAYMENT DUE DATE CALCULATION", "ROUNDING RULE", "365-DAY RATE BASIS", "EXPONENTIAL INTEREST CALCULATION", "CHASE CARD TERMS" ], "credit_card": "CitiStrataPremier.md" }, { "question": "Assume I have the minimum balance transfer APR. If I transfer an amount of $1000, how much time will it take for me to pay $212.4 in interest?", "ground_truth": "0.91", "output_units": "year", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "add", "arg_1": "1000", "arg_2": "212.4", "resp": 1212.4 }, { "operator": "divide", "arg_1": "#0", "arg_2": "1000", "resp": 1.2124000000000001 }, { "operator": "log10", "arg_1": "#1", "resp": 0.08364592769558471 }, { "operator": "divide", "arg_1": "21.24", "arg_2": "100", "resp": 0.21239999999999998 }, { "operator": "divide", "arg_1": "#3", "arg_2": "12", "resp": 0.017699999999999997 }, { "operator": "add", "arg_1": "1", "arg_2": "#4", "resp": 1.0177 }, { "operator": "log10", "arg_1": "#5", "resp": 0.007619774517403356 }, { "operator": "multiply", "arg_1": "#6", "arg_2": "12", "resp": 0.09143729420884027 }, { "operator": "divide", "arg_1": "#2", "arg_2": "#7", "resp": 0.914790058250627 }, { "operator": "round", "arg_1": "#8", "arg_2": "2", "resp": 0.91 } ], "program": [ "add(1000, 212.4)", "divide(#0, 1000)", "log10(#1)", "divide(21.24, 100)", "divide(#3, 12)", "add(1, #4)", "log10(#5)", "multiply(#6, 12)", "divide(#2, #7)", "round(#8, 2)" ], "question_tense": "THIRD", "financial_terms": [ "BALANCE TRANSFER APR", "ACCOUNT BALANCE", "MINIMUM BALANCE RULE", "ROUNDING RULE", "LOGARITHMIC PAYOFF CALCULATION" ], "credit_card": "CitiStrataPremier.md" }, { "question": "If I incurred a new balance on January 1st, what is the latest day I need to make a minimum payment due before being charged fees and interest?", "ground_truth": "February 3rd", "output_units": "categorical", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 2, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 2, "year": 0, "$": 0, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "max", "arg_1": "28", "arg_2": "33", "resp": 33 }, { "operator": "equal", "arg_1": "#0", "arg_2": "33", "resp": "TRUE" }, { "operator": "if", "arg_1": "#1", "arg_2": "February 3rd", "arg_3": "Unknown date", "resp": "February 3rd" } ], "program": [ "max(28, 33)", "equal(#0, 33)", "if(#1, February 3rd, Unknown date)" ], "question_tense": "FIRST", "financial_terms": [ "MINIMUM PAYMENT", "ACCOUNT BALANCE", "BILLING CYCLE", "MINIMUM FEE RULE", "MINIMUM PAYMENT FORMULA", "NEW BALANCE", "MAXIMUM SELECTION", "CONDITIONAL FINANCIAL RULE", "MINIMUM PAYMENT DUE", "MINIMUM PAYMENT ON NEW BALANCE" ], "credit_card": "CitiStrataPremier.md" }, { "question": "If I missed the minimum payment due for 2 billing cycles straight, will I pay over $100 in penalty fees?", "ground_truth": "FALSE", "output_units": "categorical", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "41", "arg_2": "2", "resp": 82 }, { "operator": "greater", "arg_1": "#0", "arg_2": "100", "resp": "FALSE" }, { "operator": "if", "arg_1": "#1", "arg_2": "Yes", "arg_3": "No", "resp": "FALSE" } ], "program": [ "multiply(41, 2)", "greater(#0, 100)", "if(#1, Yes, No)" ], "question_tense": "FIRST", "financial_terms": [ "LATE PAYMENT", "MINIMUM PAYMENT", "BILLING CYCLE", "MINIMUM FEE RULE", "BILLING-CYCLE INTEREST", "MINIMUM PAYMENT FORMULA", "CONDITIONAL FINANCIAL RULE", "MINIMUM PAYMENT DUE" ], "credit_card": "CitiStrataPremier.md" }, { "question": "If the billing cycle started on October 1st, what is the latest the new billing cycle can begin?", "ground_truth": "November 3rd", "output_units": "categorical", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 2, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 2, "year": 0, "$": 0, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "max", "arg_1": "28", "arg_2": "33", "resp": 33.0 }, { "operator": "add", "arg_1": "1", "arg_2": "#0", "resp": 34.0 }, { "operator": "equal", "arg_1": "#1", "arg_2": "34", "resp": "TRUE" }, { "operator": "if", "arg_1": "#2", "arg_2": "November 3rd", "arg_3": "", "resp": "November 3rd" } ], "program": [ "max(28, 33)", "add(1, #0)", "equal(#1, 34)", "if(#2, November 3rd, )" ], "question_tense": "THIRD", "financial_terms": [ "BILLING CYCLE", "BILLING-CYCLE INTEREST", "MAXIMUM SELECTION", "CONDITIONAL FINANCIAL RULE" ], "credit_card": "CitiStrataPremier.md" }, { "question": "Out of all these states: New York, Virginia, South Carolina. Which ones can I make a credit card purchase and still be eligible to not pay for it if my mailing address is in Atlanta, Georgia?", "ground_truth": "South Carolina", "output_units": "categorical", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "less", "arg_1": "750", "arg_2": "100", "resp": "FALSE" }, { "operator": "less", "arg_1": "250", "arg_2": "100", "resp": "FALSE" }, { "operator": "less", "arg_1": "65", "arg_2": "100", "resp": "TRUE" }, { "operator": "if", "arg_1": "#2", "arg_2": "South Carolina", "arg_3": "", "resp": "South Carolina" } ], "program": [ "less(750, 100)", "less(250, 100)", "less(65, 100)", "if(#2, South Carolina, )" ], "question_tense": "FIRST", "financial_terms": [ "PURCHASE TRANSACTION", "CONDITIONAL FINANCIAL RULE", "CHASE CARD TERMS" ], "credit_card": "CitiStrataPremier.md" }, { "question": "I made a purchase of $400 on January 1st and didn't make any payments towards this balance. Today is October 20th of the same year. Is this balance still considered a new transaction for penalty fee purposes?", "ground_truth": "FALSE", "output_units": "categorical", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "greater", "arg_1": "292", "arg_2": "59", "resp": "TRUE" }, { "operator": "if", "arg_1": "#0", "arg_2": "existing balance", "arg_3": "new transaction", "resp": "existing balance" }, { "operator": "equal", "arg_1": "new transaction", "arg_2": "#1", "resp": "FALSE" }, { "operator": "if", "arg_1": "#2", "arg_2": "Yes", "arg_3": "No", "resp": "FALSE" } ], "program": [ "greater(292, 59)", "if(#0, existing balance, new transaction)", "equal(new transaction, #1)", "if(#2, Yes, No)" ], "question_tense": "FIRST", "financial_terms": [ "PURCHASE TRANSACTION", "ACCOUNT BALANCE", "CONDITIONAL FINANCIAL RULE", "CHASE CARD TERMS" ], "credit_card": "CitiStrataPremier.md" }, { "question": "Assume I have the minimum purchase APR, and made a purchase of $1000. How much interest will I pay in 6 months? Assume compound interest?", "ground_truth": "111.01", "output_units": "$", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 1, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 1, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "21.24", "arg_2": "100", "resp": 0.2124 }, { "operator": "divide", "arg_1": "#0", "arg_2": "12", "resp": 0.0177 }, { "operator": "add", "arg_1": "1", "arg_2": "#1", "resp": 1.0177 }, { "operator": "exponent", "arg_1": "#2", "arg_2": "6", "resp": 1.111014 }, { "operator": "multiply", "arg_1": "1000", "arg_2": "#3", "resp": 1111.014 }, { "operator": "subtract", "arg_1": "#4", "arg_2": "1000", "resp": 111.014 }, { "operator": "round", "arg_1": "#5", "arg_2": "2", "resp": 111.01 } ], "program": [ "divide(21.24, 100)", "divide(#0, 12)", "add(1, #1)", "exponent(#2, 6)", "multiply(1000, #3)", "subtract(#4, 1000)", "round(#5, 2)" ], "question_tense": "THIRD", "financial_terms": [ "PURCHASE APR", "ROUNDING RULE", "EXPONENTIAL INTEREST CALCULATION", "CHASE CARD TERMS" ], "credit_card": "CitiStrataPremier.md" }, { "question": "If I can take out $500, $1000, or $1500 Citi Flex Plan and need to use one for $800 purchase, how many months will it take me to pay off the most appropriate plan using monthly $200 payments (assume I already paid the Plan Fee)?", "ground_truth": "6", "output_units": "month", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 5, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 5, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "greater_equal", "arg_1": "500", "arg_2": "800", "resp": "FALSE" }, { "operator": "greater_equal", "arg_1": "1000", "arg_2": "800", "resp": "TRUE" }, { "operator": "greater_equal", "arg_1": "1500", "arg_2": "800", "resp": "TRUE" }, { "operator": "if", "arg_1": "#0", "arg_2": "500", "arg_3": "0", "resp": 0.0 }, { "operator": "if", "arg_1": "#1", "arg_2": "1000", "arg_3": "1500", "resp": 1000.0 }, { "operator": "if", "arg_1": "#0", "arg_2": "#3", "arg_3": "#4", "resp": 1000.0 }, { "operator": "divide", "arg_1": "20.49", "arg_2": "36500", "resp": 0.0005613698630136986 }, { "operator": "add", "arg_1": "1", "arg_2": "#6", "resp": 1.0005613698630138 }, { "operator": "exponent", "arg_1": "#7", "arg_2": "30", "resp": 1.016973 }, { "operator": "subtract", "arg_1": "#8", "arg_2": "1", "resp": 0.016973 }, { "operator": "divide", "arg_1": "#5", "arg_2": "200", "resp": 5.0 }, { "operator": "multiply", "arg_1": "#10", "arg_2": "#9", "resp": 0.084865 }, { "operator": "subtract", "arg_1": "1", "arg_2": "#11", "resp": 0.915135 }, { "operator": "ln", "arg_1": "#12", "resp": -0.08876 }, { "operator": "abs", "arg_1": "#13", "resp": 0.08876 }, { "operator": "ln", "arg_1": "#7", "resp": 0.000561199913267 }, { "operator": "multiply", "arg_1": "#15", "arg_2": "-30", "resp": -0.01683599739801 }, { "operator": "divide", "arg_1": "#14", "arg_2": "#16", "resp": 5.27 }, { "operator": "ceil", "arg_1": "#17", "resp": 6.0 } ], "program": [ "greater_equal(500, 800)", "greater_equal(1000, 800)", "greater_equal(1500, 800)", "if(#0, 500, 0)", "if(#1, 1000, 1500)", "if(#0, #3, #4)", "divide(20.49, 36500)", "add(1, #6)", "exponent(#7, 30)", "subtract(#8, 1)", "divide(#5, 200)", "multiply(#10, #9)", "subtract(1, #11)", "ln(#12)", "abs(#13)", "ln(#7)", "multiply(#15, -30)", "divide(#14, #16)", "ceil(#17)" ], "question_tense": "FIRST", "financial_terms": [ "PURCHASE TRANSACTION", "PAYMENT PLAN FEE", "PAYOFF TIME", "CITI FLEX APR", "BALANCE PAYOFF", "ROUND-UP RULE", "365-DAY RATE BASIS", "CONDITIONAL FINANCIAL RULE", "LOGARITHMIC PAYOFF CALCULATION", "EXPONENTIAL INTEREST CALCULATION", "CHASE CARD TERMS", "CITI CARD TERMS" ], "credit_card": "CostcoAnywhereVisa.md" }, { "question": "If I am a very risky borrower of credit, how long will it take me to pay off a purchase of $300 with $50 monthly payments?", "ground_truth": 7, "output_units": "month", "input_units": { "from_doc": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 1 }, "total": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 1 } }, "steps": [ { "operator": "equal", "arg_1": "risky", "arg_2": "risky", "resp": "TRUE" }, { "operator": "if", "arg_1": "#0", "arg_2": "29.99", "arg_3": "20.49", "resp": 29.99 }, { "operator": "divide", "arg_1": "#1", "arg_2": "36500", "resp": 0.0008216438356164383 }, { "operator": "add", "arg_1": "1", "arg_2": "#2", "resp": 1.0008216438356163 }, { "operator": "exponent", "arg_1": "#3", "arg_2": "30", "resp": 1.0249452475436964 }, { "operator": "subtract", "arg_1": "1", "arg_2": "#4", "resp": -0.024945247543696425 }, { "operator": "divide", "arg_1": "300", "arg_2": "50", "resp": 6.0 }, { "operator": "multiply", "arg_1": "#5", "arg_2": "#6", "resp": -0.14967148526217855 }, { "operator": "add", "arg_1": "1", "arg_2": "#7", "resp": 0.8503285147378215 }, { "operator": "ln", "arg_1": "#8", "resp": -0.16213251623814692 }, { "operator": "ln", "arg_1": "#3", "resp": 0.0008213064711030348 }, { "operator": "multiply", "arg_1": "-30", "arg_2": "#10", "resp": -0.024639194133091045 }, { "operator": "divide", "arg_1": "#9", "arg_2": "#11", "resp": 6.580268630636704 }, { "operator": "ceil", "arg_1": "#12", "resp": 7.0 } ], "program": [ "equal(risky, risky)", "if(#0, 29.99, 20.49)", "divide(#1, 36500)", "add(1, #2)", "exponent(#3, 30)", "subtract(1, #4)", "divide(300, 50)", "multiply(#5, #6)", "add(1, #7)", "ln(#8)", "ln(#3)", "multiply(-30, #10)", "divide(#9, #11)", "ceil(#12)" ], "question_tense": "FIRST", "financial_terms": [ "VARIABLE APR", "PURCHASE TRANSACTION", "CREDIT TIER", "PAYOFF TIME", "MONTHLY PAYMENT", "BALANCE PAYOFF", "RISK-BASED APR", "ROUND-UP RULE", "365-DAY RATE BASIS", "CONDITIONAL FINANCIAL RULE", "LOGARITHMIC PAYOFF CALCULATION", "EXPONENTIAL INTEREST CALCULATION", "CHASE CARD TERMS" ], "credit_card": "CostcoAnywhereVisa.md" }, { "question": "If I have left my citi flex loan unpaid for 16 days and it has accumulated an interest of $9, which loan amount did I most likely take out: $500, $1000, or $1500?", "ground_truth": "Option 2", "output_units": "categorical", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 1, "year": 0, "$": 4, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 1, "year": 0, "$": 4, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "0.05614", "arg_2": "100", "resp": 0.0005614 }, { "operator": "add", "arg_1": "1", "arg_2": "#0", "resp": 1.0005614 }, { "operator": "exponent", "arg_1": "#1", "arg_2": "16", "resp": 1.00901376 }, { "operator": "subtract", "arg_1": "#2", "arg_2": "1", "resp": 0.00901376 }, { "operator": "multiply", "arg_1": "500", "arg_2": "#3", "resp": 4.50688 }, { "operator": "multiply", "arg_1": "1000", "arg_2": "#3", "resp": 9.01376 }, { "operator": "multiply", "arg_1": "1500", "arg_2": "#3", "resp": 13.52064 }, { "operator": "subtract", "arg_1": "#4", "arg_2": "9", "resp": -4.49312 }, { "operator": "abs", "arg_1": "#7", "resp": 4.49312 }, { "operator": "subtract", "arg_1": "#5", "arg_2": "9", "resp": 0.01376 }, { "operator": "abs", "arg_1": "#9", "resp": 0.01376 }, { "operator": "subtract", "arg_1": "#6", "arg_2": "9", "resp": 4.52064 }, { "operator": "abs", "arg_1": "#11", "resp": 4.52064 }, { "operator": "min", "arg_1": "#8", "arg_2": "#10", "resp": 0.01376 }, { "operator": "min", "arg_1": "#13", "arg_2": "#12", "resp": 0.01376 }, { "operator": "equal", "arg_1": "#8", "arg_2": "#14", "resp": "FALSE" }, { "operator": "equal", "arg_1": "#10", "arg_2": "#14", "resp": "TRUE" }, { "operator": "equal", "arg_1": "#12", "arg_2": "#14", "resp": "FALSE" }, { "operator": "if", "arg_1": "#16", "arg_2": "Option 2", "arg_3": "Option 3", "resp": "Option 2" }, { "operator": "if", "arg_1": "#15", "arg_2": "Option 1", "arg_3": "#18", "resp": "Option 2" } ], "program": [ "divide(0.05614, 100)", "add(1, #0)", "exponent(#1, 16)", "subtract(#2, 1)", "multiply(500, #3)", "multiply(1000, #3)", "multiply(1500, #3)", "subtract(#4, 9)", "abs(#7)", "subtract(#5, 9)", "abs(#9)", "subtract(#6, 9)", "abs(#11)", "min(#8, #10)", "min(#13, #12)", "equal(#8, #14)", "equal(#10, #14)", "equal(#12, #14)", "if(#16, Option 2, Option 3)", "if(#15, Option 1, #18)" ], "question_tense": "FIRST", "financial_terms": [ "DAILY PERIODIC RATE", "CITI FLEX APR", "LOAN REPAYMENT", "MINIMUM SELECTION", "CONDITIONAL FINANCIAL RULE", "EXPONENTIAL INTEREST CALCULATION", "CITI CARD TERMS" ], "credit_card": "CostcoAnywhereVisa.md" }, { "question": "If I make a purchase of $100 and pay $50 per month, how many months it is going to take me to pay off the entire balance? (Round up to whole number of months)?", "ground_truth": "3", "output_units": "month", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "20.49", "arg_2": "36500", "resp": 0.0005613698630136986 }, { "operator": "add", "arg_1": "1", "arg_2": "#0", "resp": 1.0005613698630138 }, { "operator": "exponent", "arg_1": "#1", "arg_2": "30", "resp": 1.0169789010797021 }, { "operator": "subtract", "arg_1": "#2", "arg_2": "1", "resp": 0.016978901079702124 }, { "operator": "divide", "arg_1": "100", "arg_2": "50", "resp": 2.0 }, { "operator": "multiply", "arg_1": "#4", "arg_2": "#3", "resp": 0.03395780215940425 }, { "operator": "subtract", "arg_1": "1", "arg_2": "#5", "resp": 0.9660421978405958 }, { "operator": "ln", "arg_1": "#6", "resp": -0.03454776265889743 }, { "operator": "multiply", "arg_1": "#7", "arg_2": "-1", "resp": 0.03454776265889743 }, { "operator": "ln", "arg_1": "#2", "resp": 0.016836370616902276 }, { "operator": "divide", "arg_1": "#8", "arg_2": "#9", "resp": 2.0519720933331342 }, { "operator": "ceil", "arg_1": "#10", "resp": 3.0 } ], "program": [ "divide(20.49, 36500)", "add(1, #0)", "exponent(#1, 30)", "subtract(#2, 1)", "divide(100, 50)", "multiply(#4, #3)", "subtract(1, #5)", "ln(#6)", "multiply(#7, -1)", "ln(#2)", "divide(#8, #9)", "ceil(#10)" ], "question_tense": "FIRST", "financial_terms": [ "PURCHASE TRANSACTION", "PAYOFF TIME", "MONTHLY PAYMENT", "BALANCE PAYOFF", "ROUND-UP RULE", "365-DAY RATE BASIS", "LOGARITHMIC PAYOFF CALCULATION", "EXPONENTIAL INTEREST CALCULATION", "CHASE CARD TERMS" ], "credit_card": "CostcoAnywhereVisa.md" }, { "question": "If I am considered a risky borrower and accumulated an interest of $29 on a purchase of $1200 over the course of the entire month of February, is this year a leap year?", "ground_truth": "TRUE", "output_units": "binary", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 1 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 1 } }, "steps": [ { "operator": "divide", "arg_1": "29", "arg_2": "1200", "resp": 0.024166666666666666 }, { "operator": "add", "arg_1": "1", "arg_2": "#0", "resp": 1.0241666666666667 }, { "operator": "divide", "arg_1": "29.99", "arg_2": "36500", "resp": 0.0008216438356164383 }, { "operator": "add", "arg_1": "1", "arg_2": "#2", "resp": 1.0008216438356163 }, { "operator": "ln", "arg_1": "#1", "resp": 0.02388244328 }, { "operator": "ln", "arg_1": "#3", "resp": 0.000821374 }, { "operator": "divide", "arg_1": "#4", "arg_2": "#5", "resp": 29.0 }, { "operator": "equal", "arg_1": "February", "arg_2": "February", "resp": "TRUE" }, { "operator": "equal", "arg_1": "#6", "arg_2": "29", "resp": "TRUE" }, { "operator": "if", "arg_1": "#7", "arg_2": "#8", "arg_3": "FALSE", "resp": "TRUE" } ], "program": [ "divide(29, 1200)", "add(1, #0)", "divide(29.99, 36500)", "add(1, #2)", "ln(#1)", "ln(#3)", "divide(#4, #5)", "equal(February, February)", "equal(#6, 29)", "if(#7, #8, FALSE)" ], "question_tense": "FIRST", "financial_terms": [ "PENALTY APR", "PURCHASE APR", "CREDIT TIER", "LEAP YEAR DPR", "RISK-BASED APR", "365-DAY RATE BASIS", "CONDITIONAL FINANCIAL RULE", "LOGARITHMIC PAYOFF CALCULATION", "CHASE CARD TERMS" ], "credit_card": "CostcoAnywhereVisa.md" }, { "question": "If the prime rate increases 2.5%, how many days quicker does a purchase of $1000 reach an interest of $5 than before?", "ground_truth": "1", "output_units": "day", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "add", "arg_1": "2.5", "arg_2": "20.49", "resp": 22.99 }, { "operator": "divide", "arg_1": "#0", "arg_2": "36500", "resp": 0.00062986301369863 }, { "operator": "divide", "arg_1": "20.49", "arg_2": "36500", "resp": 0.0005613698630136986 }, { "operator": "add", "arg_1": "1", "arg_2": "#1", "resp": 1.0006298630136987 }, { "operator": "add", "arg_1": "1", "arg_2": "#2", "resp": 1.0005613698630138 }, { "operator": "ln", "arg_1": "#3", "resp": 0.0006296647332460179 }, { "operator": "ln", "arg_1": "#4", "resp": 0.0005612123538967461 }, { "operator": "divide", "arg_1": "5", "arg_2": "1000", "resp": 0.005 }, { "operator": "add", "arg_1": "1", "arg_2": "#7", "resp": 1.005 }, { "operator": "ln", "arg_1": "#8", "resp": 0.004987541511038968 }, { "operator": "divide", "arg_1": "#9", "arg_2": "#5", "resp": 7.920947843668216 }, { "operator": "divide", "arg_1": "#9", "arg_2": "#6", "resp": 8.88708432094956 }, { "operator": "subtract", "arg_1": "#11", "arg_2": "#10", "resp": 0.9661364772813439 }, { "operator": "round", "arg_1": "#12", "arg_2": "0", "resp": 1 } ], "program": [ "add(2.5, 20.49)", "divide(#0, 36500)", "divide(20.49, 36500)", "add(1, #1)", "add(1, #2)", "ln(#3)", "ln(#4)", "divide(5, 1000)", "add(1, #7)", "ln(#8)", "divide(#9, #5)", "divide(#9, #6)", "subtract(#11, #10)", "round(#12, 0)" ], "question_tense": "THIRD", "financial_terms": [ "PRIME RATE", "PURCHASE APR", "PAYOFF TIME", "ROUNDING RULE", "365-DAY RATE BASIS", "LOGARITHMIC PAYOFF CALCULATION", "CHASE CARD TERMS" ], "credit_card": "CostcoAnywhereVisa.md" }, { "question": "If I have a balance of $20 at the start of the month and the statement comes out on the last day of the month, does it matter if the month has 30 days vs 31 days in terms of interest charged?", "ground_truth": "FALSE", "output_units": "binary", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 2, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 2, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "0.05614", "arg_2": "100", "resp": 0.0005614 }, { "operator": "add", "arg_1": "1", "arg_2": "#0", "resp": 1.0005614 }, { "operator": "exponent", "arg_1": "#1", "arg_2": "30", "resp": 1.0169798200246103 }, { "operator": "subtract", "arg_1": "#2", "arg_2": "1", "resp": 0.016979820024610293 }, { "operator": "exponent", "arg_1": "#1", "arg_2": "31", "resp": 1.017550752495572 }, { "operator": "subtract", "arg_1": "#4", "arg_2": "1", "resp": 0.01755075249557203 }, { "operator": "multiply", "arg_1": "#3", "arg_2": "20", "resp": 0.33959640049220585 }, { "operator": "max", "arg_1": "#6", "arg_2": "0.50", "resp": 0.5 }, { "operator": "multiply", "arg_1": "#5", "arg_2": "20", "resp": 0.3510150499114406 }, { "operator": "max", "arg_1": "#8", "arg_2": "0.50", "resp": 0.5 }, { "operator": "subtract", "arg_1": "#9", "arg_2": "#7", "resp": 0.0 }, { "operator": "abs", "arg_1": "#10", "resp": 0.0 }, { "operator": "greater", "arg_1": "#11", "arg_2": "0", "resp": "FALSE" } ], "program": [ "divide(0.05614, 100)", "add(1, #0)", "exponent(#1, 30)", "subtract(#2, 1)", "exponent(#1, 31)", "subtract(#4, 1)", "multiply(#3, 20)", "max(#6, 0.50)", "multiply(#5, 20)", "max(#8, 0.50)", "subtract(#9, #7)", "abs(#10)", "greater(#11, 0)" ], "question_tense": "FIRST", "financial_terms": [ "MINIMUM INTEREST CHARGE", "ACCOUNT BALANCE", "INTEREST ACCRUAL", "ONE-DAY INTEREST", "THIRTY-DAY INTEREST", "MAXIMUM SELECTION", "EXPONENTIAL INTEREST CALCULATION" ], "credit_card": "CostcoAnywhereVisa.md" }, { "question": "If my purchase has accumulated an interest of just above 20.49%, has it been left unpaid for more than a year?", "ground_truth": "FALSE", "output_units": "binary", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 0, "year": 1, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 0, "year": 1, "$": 0, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "20.49", "arg_2": "100", "resp": 0.20489999999999997 }, { "operator": "add", "arg_1": "1", "arg_2": "#0", "resp": 1.2048999999999999 }, { "operator": "divide", "arg_1": "0.05614", "arg_2": "100", "resp": 0.0005614 }, { "operator": "add", "arg_1": "1", "arg_2": "#2", "resp": 1.0005614 }, { "operator": "ln", "arg_1": "#1", "resp": 0.18639657594709358 }, { "operator": "ln", "arg_1": "#3", "resp": 0.0005612424739740285 }, { "operator": "divide", "arg_1": "#4", "arg_2": "#5", "resp": 332.1141656070012 }, { "operator": "ceil", "arg_1": "#6", "resp": 333 }, { "operator": "multiply", "arg_1": "1", "arg_2": "365", "resp": 365 }, { "operator": "greater", "arg_1": "#7", "arg_2": "#8", "resp": "FALSE" } ], "program": [ "divide(20.49, 100)", "add(1, #0)", "divide(0.05614, 100)", "add(1, #2)", "ln(#1)", "ln(#3)", "divide(#4, #5)", "ceil(#6)", "multiply(1, 365)", "greater(#7, #8)" ], "question_tense": "FIRST", "financial_terms": [ "DAILY PERIODIC RATE", "PURCHASE APR", "ROUND-UP RULE", "365-DAY RATE BASIS", "LOGARITHMIC PAYOFF CALCULATION", "CHASE CARD TERMS" ], "credit_card": "CostcoAnywhereVisa.md" }, { "question": "If I have a balance of $31 at the start of the month of February and the statement comes out on the last day of the month, does it matter if it is a leap year or not?", "ground_truth": "TRUE", "output_units": "binary", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "0.05614", "arg_2": "100", "resp": 0.0005614 }, { "operator": "add", "arg_1": "1", "arg_2": "#0", "resp": 1.0005614 }, { "operator": "exponent", "arg_1": "#1", "arg_2": "28", "resp": 1.015834 }, { "operator": "subtract", "arg_1": "#2", "arg_2": "1", "resp": 0.015834 }, { "operator": "exponent", "arg_1": "#1", "arg_2": "29", "resp": 1.016404 }, { "operator": "subtract", "arg_1": "#4", "arg_2": "1", "resp": 0.016404 }, { "operator": "multiply", "arg_1": "#3", "arg_2": "31", "resp": 0.490854 }, { "operator": "max", "arg_1": "#6", "arg_2": "0.50", "resp": 0.5 }, { "operator": "multiply", "arg_1": "#5", "arg_2": "31", "resp": 0.508524 }, { "operator": "max", "arg_1": "#8", "arg_2": "0.50", "resp": 0.508524 }, { "operator": "subtract", "arg_1": "#9", "arg_2": "#7", "resp": 0.008524 }, { "operator": "abs", "arg_1": "#10", "resp": 0.008524 }, { "operator": "greater", "arg_1": "#11", "arg_2": "0", "resp": "TRUE" } ], "program": [ "divide(0.05614, 100)", "add(1, #0)", "exponent(#1, 28)", "subtract(#2, 1)", "exponent(#1, 29)", "subtract(#4, 1)", "multiply(#3, 31)", "max(#6, 0.50)", "multiply(#5, 31)", "max(#8, 0.50)", "subtract(#9, #7)", "abs(#10)", "greater(#11, 0)" ], "question_tense": "FIRST", "financial_terms": [ "MINIMUM INTEREST CHARGE", "LEAP YEAR DPR", "MAXIMUM SELECTION", "EXPONENTIAL INTEREST CALCULATION" ], "credit_card": "CostcoAnywhereVisa.md" }, { "question": "If my balance transfer (ignoring the balance transfer fee) has accumulated an interest of 10%, how many months has it been left unpaid? (Round down to nearest integer)?", "ground_truth": "5", "output_units": "month", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "0.05614", "arg_2": "100", "resp": 0.0005614 }, { "operator": "add", "arg_1": "1", "arg_2": "#0", "resp": 1.0005614 }, { "operator": "divide", "arg_1": "10", "arg_2": "100", "resp": 0.1 }, { "operator": "add", "arg_1": "1", "arg_2": "#2", "resp": 1.1 }, { "operator": "ln", "arg_1": "#3", "resp": 0.09531017980432493 }, { "operator": "ln", "arg_1": "#1", "resp": 0.0005612424739740285 }, { "operator": "divide", "arg_1": "#4", "arg_2": "#5", "resp": 169.81996948565836 }, { "operator": "divide", "arg_1": "#6", "arg_2": "30", "resp": 5.660665649521945 }, { "operator": "floor", "arg_1": "#7", "resp": 5.0 } ], "program": [ "divide(0.05614, 100)", "add(1, #0)", "divide(10, 100)", "add(1, #2)", "ln(#3)", "ln(#1)", "divide(#4, #5)", "divide(#6, 30)", "floor(#7)" ], "question_tense": "FIRST", "financial_terms": [ "DAILY PERIODIC RATE", "BALANCE TRANSFER APR", "BALANCE TRANSFER FEE", "ACCOUNT BALANCE", "PAYOFF TIME", "ROUND-DOWN RULE", "LOGARITHMIC PAYOFF CALCULATION" ], "credit_card": "CostcoAnywhereVisa.md" }, { "question": "If a customer makes only the minimum payment on $10,000 balance, how long will it take to pay off assuming no interest?", "ground_truth": "100", "output_units": "month", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "10000", "arg_2": "0.01", "resp": 100.0 }, { "operator": "max", "arg_1": "#0", "arg_2": "25", "resp": 100.0 }, { "operator": "divide", "arg_1": "10000", "arg_2": "#1", "resp": 100.0 } ], "program": [ "multiply(10000, 0.01)", "max(#0, 25)", "divide(10000, #1)" ], "question_tense": "THIRD", "financial_terms": [ "MINIMUM PAYMENT", "ACCOUNT BALANCE", "PAYOFF TIME", "MINIMUM PAYMENT FORMULA", "BALANCE PAYOFF", "MAXIMUM SELECTION" ], "credit_card": "Credit Card Agreement for Bass Pro Shops CLUB Cards.pdf-255664.md" }, { "question": "If a customer makes two purchases 10 days apart and pays off one after 20 days and the second after 30 days, will they be charged interest on the second?", "ground_truth": "FALSE", "output_units": "binary", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 1, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 3, "year": 0, "$": 0, "binary": 0, "categorical": 1 }, "total": { "%": 0, "month": 0, "day": 4, "year": 0, "$": 0, "binary": 0, "categorical": 1 } }, "steps": [ { "operator": "subtract", "arg_1": "30", "arg_2": "10", "resp": 20 }, { "operator": "less", "arg_1": "#0", "arg_2": "25", "resp": "TRUE" }, { "operator": "if", "arg_1": "true", "arg_2": "FALSE", "arg_3": "TRUE", "resp": "FALSE" } ], "program": [ "subtract(30, 10)", "less(#0, 25)", "if(true, FALSE, TRUE)" ], "question_tense": "THIRD", "financial_terms": [ "PURCHASE APR", "GRACE PERIOD", "THIRTY-DAY INTEREST", "CONDITIONAL FINANCIAL RULE", "CHASE CARD TERMS", "INTEREST OWED" ], "credit_card": "Credit Card Agreement for Bass Pro Shops CLUB Cards.pdf-255664.md" }, { "question": "If a customer has a balance of $8000, will their minimum payment exceed $100?", "ground_truth": "FALSE", "output_units": "binary", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "8000", "arg_2": "0.01", "resp": 80.0 }, { "operator": "max", "arg_1": "#0", "arg_2": "25", "resp": 80.0 }, { "operator": "greater", "arg_1": "#1", "arg_2": "100", "resp": "FALSE" } ], "program": [ "multiply(8000, 0.01)", "max(#0, 25)", "greater(#1, 100)" ], "question_tense": "THIRD", "financial_terms": [ "MINIMUM PAYMENT", "ACCOUNT BALANCE", "MINIMUM PAYMENT FORMULA", "MAXIMUM SELECTION" ], "credit_card": "Credit Card Agreement for Bass Pro Shops CLUB Cards.pdf-255664.md" }, { "question": "If a customer’s average daily balance is calculated over 30 days instead of 25 days, will the result be lower?", "ground_truth": "TRUE", "output_units": "binary", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 2, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 2, "year": 0, "$": 0, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "greater", "arg_1": "30", "arg_2": "25", "resp": "TRUE" }, { "operator": "if", "arg_1": "true", "arg_2": "TRUE", "arg_3": "FALSE", "resp": "TRUE" } ], "program": [ "greater(30, 25)", "if(true, TRUE, FALSE)" ], "question_tense": "THIRD", "financial_terms": [ "AVERAGE DAILY BALANCE", "THIRTY-DAY INTEREST", "DAILY BALANCE", "CONDITIONAL FINANCIAL RULE" ], "credit_card": "Credit Card Agreement for Bass Pro Shops CLUB Cards.pdf-255664.md" }, { "question": "If a customer has a balance of $2000 and the minimum payment is 1% of the balance, will it be greater than $25?", "ground_truth": "FALSE", "output_units": "binary", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "2000", "arg_2": "0.01", "resp": 20.0 }, { "operator": "max", "arg_1": "#0", "arg_2": "25", "resp": 25.0 }, { "operator": "greater", "arg_1": "#1", "arg_2": "25", "resp": "FALSE" } ], "program": [ "multiply(2000, 0.01)", "max(#0, 25)", "greater(#1, 25)" ], "question_tense": "THIRD", "financial_terms": [ "MINIMUM PAYMENT", "ACCOUNT BALANCE", "MINIMUM PAYMENT FORMULA", "MAXIMUM SELECTION", "PERCENTAGE-BASED FEE" ], "credit_card": "Credit Card Agreement for Bass Pro Shops CLUB Cards.pdf-255664.md" }, { "question": "If a customer has a DPR of 0.08% and an ADB of $1000, will increasing the billing cycle from 25 to 35 days increase the interest charge above $20?", "ground_truth": "TRUE", "output_units": "binary", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 2, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 2, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "1000", "arg_2": "0.0008", "resp": 0.8 }, { "operator": "multiply", "arg_1": "#0", "arg_2": "35", "resp": 28.0 }, { "operator": "greater", "arg_1": "#1", "arg_2": "20", "resp": "TRUE" } ], "program": [ "multiply(1000, 0.0008)", "multiply(#0, 35)", "greater(#1, 20)" ], "question_tense": "THIRD", "financial_terms": [ "DAILY PERIODIC RATE", "BILLING CYCLE", "INTEREST ACCRUAL", "BILLING-CYCLE INTEREST" ], "credit_card": "Credit Card Agreement for Bass Pro Shops CLUB Cards.pdf-255664.md" }, { "question": "If a customer's balance is $2500 and they make monthly payments of $300, how long will it take to pay off their debt with a Purchase APR of 9.99%?", "ground_truth": "9", "output_units": "month", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "2500", "arg_2": "300", "resp": 8.3333333333 }, { "operator": "ceil", "arg_1": "#0", "resp": 9.0 } ], "program": [ "divide(2500, 300)", "ceil(#0)" ], "question_tense": "THIRD", "financial_terms": [ "PURCHASE APR", "ACCOUNT BALANCE", "PAYOFF TIME", "MONTHLY PAYMENT", "BALANCE PAYOFF", "ROUND-UP RULE", "CHASE CARD TERMS" ], "credit_card": "Credit Card Agreement for Bass Pro Shops CLUB Cards.pdf-255664.md" }, { "question": "A customer has a DPR of 0.08559% and a 30-day billing cycle. If they cut their balance of $5000 in half after 15 days, what is the new total interest?", "ground_truth": "96.29", "output_units": "$", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 3, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 3, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "5000", "arg_2": "0.0008559", "resp": 4.2795 }, { "operator": "multiply", "arg_1": "#0", "arg_2": "15", "resp": 64.1925 }, { "operator": "divide", "arg_1": "5000", "arg_2": "2", "resp": 2500.0 }, { "operator": "multiply", "arg_1": "#2", "arg_2": "0.0008559", "resp": 2.13975 }, { "operator": "multiply", "arg_1": "#3", "arg_2": "15", "resp": 32.09625 }, { "operator": "add", "arg_1": "#1", "arg_2": "#4", "resp": 96.28875 }, { "operator": "round", "arg_1": "#5", "arg_2": "2", "resp": 96.29 } ], "program": [ "multiply(5000, 0.0008559)", "multiply(#0, 15)", "divide(5000, 2)", "multiply(#2, 0.0008559)", "multiply(#3, 15)", "add(#1, #4)", "round(#5, 2)" ], "question_tense": "THIRD", "financial_terms": [ "DAILY PERIODIC RATE", "ACCOUNT BALANCE", "BILLING CYCLE", "INTEREST ACCRUAL", "BILLING-CYCLE INTEREST", "ROUNDING RULE" ], "credit_card": "Credit Card Agreement for Bass Pro Shops CLUB Cards.pdf-255664.md" }, { "question": "If a customer's balance increases from $4000 to $5000, how much more will they owe in minimum payment?", "ground_truth": "10.00", "output_units": "$", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "4000", "arg_2": "0.01", "resp": 40.0 }, { "operator": "max", "arg_1": "#0", "arg_2": "25", "resp": 40.0 }, { "operator": "multiply", "arg_1": "5000", "arg_2": "0.01", "resp": 50.0 }, { "operator": "max", "arg_1": "#2", "arg_2": "25", "resp": 50.0 }, { "operator": "subtract", "arg_1": "#3", "arg_2": "#1", "resp": 10.0 } ], "program": [ "multiply(4000, 0.01)", "max(#0, 25)", "multiply(5000, 0.01)", "max(#2, 25)", "subtract(#3, #1)" ], "question_tense": "THIRD", "financial_terms": [ "MINIMUM PAYMENT", "ACCOUNT BALANCE", "MINIMUM PAYMENT FORMULA", "MAXIMUM SELECTION" ], "credit_card": "Credit Card Agreement for Bass Pro Shops CLUB Cards.pdf-255664.md" }, { "question": "If the DPR increases from 0.05% to 0.1%, does the interest charge double?", "ground_truth": "TRUE", "output_units": "binary", "input_units": { "from_doc": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "0.05", "arg_2": "2", "resp": 0.1 }, { "operator": "if", "arg_1": "true", "arg_2": "TRUE", "arg_3": "FALSE", "resp": "TRUE" } ], "program": [ "multiply(0.05, 2)", "if(true, TRUE, FALSE)" ], "question_tense": "THIRD", "financial_terms": [ "DAILY PERIODIC RATE", "INTEREST ACCRUAL", "CONDITIONAL FINANCIAL RULE" ], "credit_card": "Credit Card Agreement for Bass Pro Shops CLUB Cards.pdf-255664.md" }, { "question": "Josh, a credit card holder, decides to withdraw $7,000 from his credit card, which has a 3% convenience check fee. The card also has an annual percentage rate (APR) of 12%. How many months will it take for the total fees (including the initial convenience check fee and the monthly interest charges) to exceed $500?", "ground_truth": "5", "output_units": "month", "input_units": { "from_doc": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "0.12", "arg_2": "12", "resp": 0.01 }, { "operator": "multiply", "arg_1": "7000", "arg_2": "0.03", "resp": 210.0 }, { "operator": "subtract", "arg_1": "500", "arg_2": "#1", "resp": 290.0 }, { "operator": "multiply", "arg_1": "#0", "arg_2": "7000", "resp": 70.0 }, { "operator": "divide", "arg_1": "#2", "arg_2": "#3", "resp": 4.142857143 }, { "operator": "ceil", "arg_1": "#4", "resp": 5 } ], "program": [ "divide(0.12, 12)", "multiply(7000, 0.03)", "subtract(500, #1)", "multiply(#0, 7000)", "divide(#2, #3)", "ceil(#4)" ], "question_tense": "THIRD", "financial_terms": [ "CONVENIENCE CHECK", "INTEREST ACCRUAL", "PAYOFF TIME", "CHECK CASH ADVANCE", "TOTAL FEE CALCULATION", "ROUND-UP RULE", "ANNUALIZED FEE" ], "credit_card": "Delta SkyMiles Platinum American Express Card Cardmember Agreement-255454.md" }, { "question": "Imagine there is some large fee as the combined sum for attorneys' fees, costs and expert and other witness fees. After the arbitrator rules in the cardholder's favor, the cardholder is entitled to $4500. However 50% of the money earned has to be used for costs. Additionally, the card holder found themselves in deep trouble and needed $2700. From the money left from the awarded money, will the card holder have enough? Assume theres a minimum entitlement of $5000 earned?", "ground_truth": "FALSE", "output_units": "binary", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "max", "arg_1": "4500", "arg_2": "5000", "resp": 5000.0 }, { "operator": "subtract", "arg_1": "1", "arg_2": "0.5", "resp": 0.5 }, { "operator": "multiply", "arg_1": "#0", "arg_2": "#1", "resp": 2500.0 }, { "operator": "subtract", "arg_1": "#2", "arg_2": "2700", "resp": -200.0 }, { "operator": "greater", "arg_1": "#3", "arg_2": "0", "resp": "FALSE" } ], "program": [ "max(4500, 5000)", "subtract(1, 0.5)", "multiply(#0, #1)", "subtract(#2, 2700)", "greater(#3, 0)" ], "question_tense": "THIRD", "financial_terms": [ "ARBITRATION AWARD", "MINIMUM FEE RULE", "ARBITRATION PAYMENT", "MAXIMUM SELECTION", "PERCENTAGE-BASED FEE" ], "credit_card": "Delta SkyMiles Platinum American Express Card Cardmember Agreement-255454.md" }, { "question": "Imagine there is an fee of $1000 for attorneys' fees, costs and expert and other witness fees. After the arbitrator rules in the cardholder's favor, the cardholder is entitled to $4000. If this occurs once every 5 months, after how many months will the cardholder reach past $20,000 earned? Note the cardholder is entitled to a minimum of $5000?", "ground_truth": "25", "output_units": "month", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 1, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 1, "day": 0, "year": 0, "$": 4, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "max", "arg_1": "5000", "arg_2": "4000", "resp": 5000.0 }, { "operator": "subtract", "arg_1": "#0", "arg_2": "1000", "resp": 4000.0 }, { "operator": "divide", "arg_1": "20000", "arg_2": "#1", "resp": 5.0 }, { "operator": "multiply", "arg_1": "#2", "arg_2": "5", "resp": 25.0 } ], "program": [ "max(5000, 4000)", "subtract(#0, 1000)", "divide(20000, #1)", "multiply(#2, 5)" ], "question_tense": "THIRD", "financial_terms": [ "ARBITRATION AWARD", "PAYOFF TIME", "MINIMUM FEE RULE", "ARBITRATION PAYMENT", "MAXIMUM SELECTION" ], "credit_card": "Delta SkyMiles Platinum American Express Card Cardmember Agreement-255454.md" }, { "question": "A customer has a prime rate of 5% and plans to withdraw $500 each month for a year. Given that the cash advance APR is calculated at the end of the year based on the total amount withdrawn (prime rate + 21.99%), how many months can they continue taking out cash advances before the total interest charged for the year exceeds $400?", "ground_truth": "2", "output_units": "month", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "add", "arg_1": "0.05", "arg_2": "0.2199", "resp": 0.2699 }, { "operator": "multiply", "arg_1": "500", "arg_2": "#0", "resp": 134.95 }, { "operator": "divide", "arg_1": "400", "arg_2": "#1", "resp": 2.96406 }, { "operator": "floor", "arg_1": "#2", "resp": 2 } ], "program": [ "add(0.05, 0.2199)", "multiply(500, #0)", "divide(400, #1)", "floor(#2)" ], "question_tense": "THIRD", "financial_terms": [ "PRIME RATE", "CASH ADVANCE APR", "INTEREST ACCRUAL", "PAYOFF TIME", "ROUND-DOWN RULE" ], "credit_card": "Delta SkyMiles Platinum American Express Card Cardmember Agreement-255454.md" }, { "question": "A cardholder made 6 in-person transactions over the last 30 days, each for the same amount. The first transaction, on January 1st, was for $300, with a 15% discount applied to each subsequent transaction as part of a New Year's special. Were these transactions authorized, given that person-to-person transactions cannot exceed the $2,000 limit within any 30-day period?", "ground_truth": "TRUE", "output_units": "binary", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 1, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 1, "year": 0, "$": 2, "binary": 0, "categorical": 1 }, "total": { "%": 1, "month": 0, "day": 2, "year": 0, "$": 3, "binary": 0, "categorical": 1 } }, "steps": [ { "operator": "subtract", "arg_1": "6", "arg_2": "1", "resp": 5 }, { "operator": "subtract", "arg_1": "1", "arg_2": "0.15", "resp": 0.85 }, { "operator": "multiply", "arg_1": "#1", "arg_2": "300", "resp": 255.0 }, { "operator": "multiply", "arg_1": "#2", "arg_2": "#0", "resp": 1275.0 }, { "operator": "add", "arg_1": "#3", "arg_2": "300", "resp": 1575.0 }, { "operator": "greater", "arg_1": "2000", "arg_2": "#4", "resp": "TRUE" } ], "program": [ "subtract(6, 1)", "subtract(1, 0.15)", "multiply(#1, 300)", "multiply(#2, #0)", "add(#3, 300)", "greater(2000, #4)" ], "question_tense": "THIRD", "financial_terms": [ "PERSON-TO-PERSON TRANSACTION", "FEE CAP", "MAXIMUM FEE CAP", "THIRTY-DAY INTEREST" ], "credit_card": "Delta SkyMiles Platinum American Express Card Cardmember Agreement-255454.md" }, { "question": "There are two cardholders. Cardholder 1 returns 2 checks every 2 months, and Cardholder 2 returns 4 checks every 3 months. If the returned check fee is $30 per check, which cardholder will pay more in check return fees over the course of a year?", "ground_truth": "Holder 2", "output_units": "categorical", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 2, "day": 0, "year": 1, "$": 0, "binary": 0, "categorical": 2 }, "total": { "%": 0, "month": 2, "day": 0, "year": 1, "$": 1, "binary": 0, "categorical": 2 } }, "steps": [ { "operator": "divide", "arg_1": "12", "arg_2": "2", "resp": 6.0 }, { "operator": "multiply", "arg_1": "#0", "arg_2": "2", "resp": 12.0 }, { "operator": "multiply", "arg_1": "#1", "arg_2": "30", "resp": 360.0 }, { "operator": "divide", "arg_1": "12", "arg_2": "3", "resp": 4.0 }, { "operator": "multiply", "arg_1": "#3", "arg_2": "4", "resp": 16.0 }, { "operator": "multiply", "arg_1": "#4", "arg_2": "30", "resp": 480.0 }, { "operator": "greater", "arg_1": "#5", "arg_2": "#2", "resp": "TRUE" }, { "operator": "constant", "arg_1": "Holder 2", "resp": "Holder 2" } ], "program": [ "divide(12, 2)", "multiply(#0, 2)", "multiply(#1, 30)", "divide(12, 3)", "multiply(#3, 4)", "multiply(#4, 30)", "greater(#5, #2)", "constant(Holder 2)" ], "question_tense": "THIRD", "financial_terms": [ "RETURNED PAYMENT FEE", "CARD OPTION COMPARISON" ], "credit_card": "Delta SkyMiles Platinum American Express Card Cardmember Agreement-255454.md" }, { "question": "Imagine there are two credit card holders, each with a late payment fee of $50 for the first late payment and $60 for each subsequent late payment. Cardholder 1 was late 4 times, and Cardholder 2 was late 5 times. After accounting for their late payment fees, by what percentage will Cardholder 1 pay less than Cardholder 2 rounded to the nearest percent?", "ground_truth": "21", "output_units": "%", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 2 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 2 } }, "steps": [ { "operator": "subtract", "arg_1": "4", "arg_2": "1", "resp": 3 }, { "operator": "multiply", "arg_1": "#0", "arg_2": "60", "resp": 180 }, { "operator": "add", "arg_1": "#1", "arg_2": "50", "resp": 230 }, { "operator": "subtract", "arg_1": "5", "arg_2": "1", "resp": 4 }, { "operator": "multiply", "arg_1": "#3", "arg_2": "60", "resp": 240 }, { "operator": "add", "arg_1": "50", "arg_2": "#4", "resp": 290 }, { "operator": "divide", "arg_1": "#2", "arg_2": "#5", "resp": 0.7931034482758621 }, { "operator": "multiply", "arg_1": "#6", "arg_2": "100", "resp": 79.3103448275862 }, { "operator": "round", "arg_1": "#7", "resp": 79.0 }, { "operator": "subtract", "arg_1": "100", "arg_2": "#8", "resp": 21.0 } ], "program": [ "subtract(4, 1)", "multiply(#0, 60)", "add(#1, 50)", "subtract(5, 1)", "multiply(#3, 60)", "add(50, #4)", "divide(#2, #5)", "multiply(#6, 100)", "round(#7)", "subtract(100, #8)" ], "question_tense": "THIRD", "financial_terms": [ "LATE PAYMENT FEE", "PERCENTAGE CALCULATION", "ROUNDING RULE" ], "credit_card": "Delta SkyMiles Platinum American Express Card Cardmember Agreement-255454.md" }, { "question": "Imagine there are 2 credit card holders with a late payment fee first time of $50 and $60 for each subsequent time. Card holder 1 was late 4 times while Card holder 2 was late 5 times. After this amount of late payments, which card holder with have to pay more?", "ground_truth": "Holder 2", "output_units": "categorical", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 2 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 2 } }, "steps": [ { "operator": "subtract", "arg_1": "4", "arg_2": "1", "resp": 3 }, { "operator": "multiply", "arg_1": "#0", "arg_2": "60", "resp": 180 }, { "operator": "add", "arg_1": "#1", "arg_2": "50", "resp": 230 }, { "operator": "subtract", "arg_1": "5", "arg_2": "1", "resp": 4 }, { "operator": "multiply", "arg_1": "#3", "arg_2": "60", "resp": 240 }, { "operator": "add", "arg_1": "50", "arg_2": "#4", "resp": 290 }, { "operator": "greater", "arg_1": "#5", "arg_2": "#2", "resp": "TRUE" }, { "operator": "constant", "arg_1": "Holder 2", "resp": "Holder 2" } ], "program": [ "subtract(4, 1)", "multiply(#0, 60)", "add(#1, 50)", "subtract(5, 1)", "multiply(#3, 60)", "add(50, #4)", "greater(#5, #2)", "constant(Holder 2)" ], "question_tense": "THIRD", "financial_terms": [ "LATE PAYMENT FEE", "FIRST-OCCURRENCE FEE RULE", "CARD OPTION COMPARISON" ], "credit_card": "Delta SkyMiles Platinum American Express Card Cardmember Agreement-255454.md" }, { "question": "A cardholder spends $2000 annually on purchases. With a yearly APR of 12%, how many days will it take for the APR fees on those purchases to accumulate to $30?", "ground_truth": "46", "output_units": "day", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "0.12", "arg_2": "365", "resp": 0.0003287671233 }, { "operator": "multiply", "arg_1": "2000", "arg_2": "#0", "resp": 0.6575342466 }, { "operator": "divide", "arg_1": "30", "arg_2": "#1", "resp": 45.6249999983 }, { "operator": "ceil", "arg_1": "#2", "resp": 46 } ], "program": [ "divide(0.12, 365)", "multiply(2000, #0)", "divide(30, #1)", "ceil(#2)" ], "question_tense": "THIRD", "financial_terms": [ "PURCHASE APR", "PAYOFF TIME", "ROUND-UP RULE", "365-DAY RATE BASIS", "CHASE CARD TERMS", "ANNUALIZED FEE" ], "credit_card": "Delta SkyMiles Platinum American Express Card Cardmember Agreement-255454.md" }, { "question": "Imagine there is a card holder who cancels 4 convenience checks per month. However, in order to lessen the amount of money he owes on cancellation fees, he wants to try cancelling only 3 checks per month. Assume the cancellation fee is $40. After 3 years, what percentage of his total money would he have saved?", "ground_truth": "25", "output_units": "%", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 1, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 1, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "3", "arg_2": "12", "resp": 36 }, { "operator": "multiply", "arg_1": "4", "arg_2": "#0", "resp": 144 }, { "operator": "multiply", "arg_1": "3", "arg_2": "#0", "resp": 108 }, { "operator": "multiply", "arg_1": "#1", "arg_2": "40", "resp": 5760 }, { "operator": "multiply", "arg_1": "#2", "arg_2": "40", "resp": 4320 }, { "operator": "divide", "arg_1": "#4", "arg_2": "#3", "resp": 0.75 }, { "operator": "subtract", "arg_1": "1", "arg_2": "#5", "resp": 0.25 }, { "operator": "multiply", "arg_1": "#6", "arg_2": "100", "resp": 25.0 } ], "program": [ "multiply(3, 12)", "multiply(4, #0)", "multiply(3, #0)", "multiply(#1, 40)", "multiply(#2, 40)", "divide(#4, #3)", "subtract(1, #5)", "multiply(#6, 100)" ], "question_tense": "THIRD", "financial_terms": [ "CONVENIENCE CHECK", "CHECK STOP PAYMENT FEE", "PERCENTAGE CALCULATION", "CHECK CASH ADVANCE", "MONTHLY PAYMENT", "ACCOUNT CANCELLATION", "MONTHLY FEE" ], "credit_card": "Delta SkyMiles Platinum American Express Card Cardmember Agreement-255454.md" }, { "question": "Assume the Discover Near Prime card offers two tiers for the holder's APR for Purchase dependent on their credit score. For those who are labeled 'great', they have a credit score 600 and above with a 15.99% APR for purchases. Those that are label as 'normal' are 599 and below with a 18.99% APR. If I make $1100 payment, how many more days will have passed since the start of interest for the great vs normal credit score if their total balance including payment + interest is $1200?", "ground_truth": "31", "output_units": "day", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": 15.99, "arg_2": 0.01, "resp": 0.1599 }, { "operator": "divide", "arg_1": "#0", "arg_2": 365, "resp": 0.000438082191780822 }, { "operator": "add", "arg_1": 1, "arg_2": "#1", "resp": 1.0004380821917809 }, { "operator": "multiply", "arg_1": 18.99, "arg_2": 0.01, "resp": 0.1899 }, { "operator": "divide", "arg_1": "#3", "arg_2": 365, "resp": 0.0005202739726027397 }, { "operator": "add", "arg_1": 1, "arg_2": "#4", "resp": 1.000520273972603 }, { "operator": "divide", "arg_1": 1200, "arg_2": 1100, "resp": 1.0909090909090908 }, { "operator": "ln", "arg_1": "#6", "arg_2": "#6", "resp": 0.0870113769896297 }, { "operator": "ln", "arg_1": "#2", "arg_2": "#2", "resp": 0.00043798626728345033 }, { "operator": "divide", "arg_1": "#7", "arg_2": "#8", "resp": 198.66234304558083 }, { "operator": "ceil", "arg_1": "#9", "arg_2": "#9", "resp": 199 }, { "operator": "ln", "arg_1": "#5", "arg_2": "#5", "resp": 0.0005201386517866852 }, { "operator": "divide", "arg_1": "#7", "arg_2": "#11", "resp": 167.2849584794947 }, { "operator": "ceil", "arg_1": "#12", "arg_2": "#12", "resp": 168 }, { "operator": "subtract", "arg_1": "#10", "arg_2": "#13", "resp": 31 }, { "operator": "abs", "arg_1": "#14", "arg_2": "#14", "resp": 31 } ], "program": [ "multiply(15.99, 0.01)", "divide(#0, 365)", "add(1, #1)", "multiply(18.99, 0.01)", "divide(#3, 365)", "add(1, #4)", "divide(1200, 1100)", "ln(#6, #6)", "ln(#2, #2)", "divide(#7, #8)", "ceil(#9, #9)", "ln(#5, #5)", "divide(#7, #11)", "ceil(#12, #12)", "subtract(#10, #13)", "abs(#14, #14)" ], "question_tense": "THIRD", "financial_terms": [ "PURCHASE APR", "ACCOUNT BALANCE", "CREDIT TIER", "CREDIT-SCORE APR TIER", "TIERED RATE SCHEDULE", "TOTAL BALANCE", "ROUND-UP RULE", "365-DAY RATE BASIS", "LOGARITHMIC PAYOFF CALCULATION", "DISCOVER CARD TERMS", "CHASE CARD TERMS" ], "credit_card": "Discover Near Prime Cardmember Agreement_061824-255535.md" }, { "question": "If a cardholder transfers an amount such that the transfer amount and balance transfer fee equate to $4,000 at 24% APR compounded daily and makes no payments, how many months until interest exceeds $500? Assume there are an average of 30 days per month, and round the answer up to the next whole number of months?", "ground_truth": "6", "output_units": "month", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "add", "arg_1": 4000, "arg_2": 500, "resp": 4500 }, { "operator": "divide", "arg_1": "#0", "arg_2": 4000, "resp": 1.125 }, { "operator": "divide", "arg_1": 24, "arg_2": 36500, "resp": 0.0006575342465753425 }, { "operator": "add", "arg_1": 1, "arg_2": "#2", "resp": 1.0006575342465753 }, { "operator": "ln", "arg_1": "#1", "arg_2": "#1", "resp": 0.11778303565638346 }, { "operator": "ln", "arg_1": "#3", "arg_2": "#3", "resp": 0.0006573181656478395 }, { "operator": "divide", "arg_1": "#4", "arg_2": "#5", "resp": 179.1872517935038 }, { "operator": "divide", "arg_1": "#6", "arg_2": 30, "resp": 5.972908393116794 }, { "operator": "ceil", "arg_1": "#7", "arg_2": "#7", "resp": 6 } ], "program": [ "add(4000, 500)", "divide(#0, 4000)", "divide(24, 36500)", "add(1, #2)", "ln(#1, #1)", "ln(#3, #3)", "divide(#4, #5)", "divide(#6, 30)", "ceil(#7, #7)" ], "question_tense": "THIRD", "financial_terms": [ "BALANCE TRANSFER APR", "BALANCE TRANSFER FEE", "ACCOUNT BALANCE", "DAILY COMPOUNDING", "INTEREST ACCRUAL", "PAYOFF TIME", "DAILY COMPOUNDING INTEREST", "THIRTY-DAY INTEREST", "MONTHLY PAYMENT", "ROUND-UP RULE", "365-DAY RATE BASIS", "LOGARITHMIC PAYOFF CALCULATION", "MONTHLY FEE", "INTEREST THRESHOLD", "NO-PAYMENT SCENARIO" ], "credit_card": "Discover Near Prime Cardmember Agreement_061824-255535.md" }, { "question": "A traveler needs to withdraw €300 from an ATM, but different ATMs apply different foreign currency conversion rates and fees. The traveler wants to know which ATM provides the most cost-efficient conversion. The available ATMs and their rates are: | ATM | Conversion Rate (USD/EUR) | Additional Fee ($) | |----|------------------------|----------------| | A | 1.10 | 5 | | B | 1.12 | 2 | | C | 1.08 | 0 | | D | 1.15 | 100 | Which ATM should the traveler use to get the best net amount in USD after conversion and fees?", "ground_truth": "ATM B", "output_units": "categorical", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 4, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 4, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": 300, "arg_2": 1.1, "resp": 330 }, { "operator": "subtract", "arg_1": "#0", "arg_2": 5, "resp": 325 }, { "operator": "multiply", "arg_1": 300, "arg_2": 1.12, "resp": 336 }, { "operator": "subtract", "arg_1": "#2", "arg_2": 2, "resp": 334 }, { "operator": "multiply", "arg_1": 300, "arg_2": 1.08, "resp": 324 }, { "operator": "subtract", "arg_1": "#4", "arg_2": 0, "resp": 324 }, { "operator": "multiply", "arg_1": 300, "arg_2": 1.15, "resp": 345 }, { "operator": "subtract", "arg_1": "#6", "arg_2": 100, "resp": 245 }, { "operator": "max", "arg_1": "#1", "arg_2": "#3", "resp": 334 }, { "operator": "max", "arg_1": "#8", "arg_2": "#5", "resp": 334 }, { "operator": "max", "arg_1": "#9", "arg_2": "#7", "resp": 334 }, { "operator": "if", "arg_1": "true", "arg_2": "ATM B", "resp": "ATM B" } ], "program": [ "multiply(300, 1.1)", "subtract(#0, 5)", "multiply(300, 1.12)", "subtract(#2, 2)", "multiply(300, 1.08)", "subtract(#4, 0)", "multiply(300, 1.15)", "subtract(#6, 100)", "max(#1, #3)", "max(#8, #5)", "max(#9, #7)", "if(true, ATM B)" ], "question_tense": "THIRD", "financial_terms": [ "FOREIGN TRANSACTION FEE", "CURRENCY CONVERSION", "ATM CASH ADVANCE", "FOREIGN CURRENCY CONVERSION", "MAXIMUM SELECTION", "CONDITIONAL FINANCIAL RULE" ], "credit_card": "Discover Near Prime Cardmember Agreement_061824-255535.md" }, { "question": "If the cardholder uses a convenience check for $1000 with 24% in interest how many days will it take for $40 of interest to accumulate assuming daily compounding?", "ground_truth": "60", "output_units": "day", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": 0.24, "arg_2": 365, "resp": 0.0006575342465753425 }, { "operator": "add", "arg_1": 1, "arg_2": "#0", "resp": 1.0006575342465753 }, { "operator": "add", "arg_1": 1000, "arg_2": 40, "resp": 1040 }, { "operator": "divide", "arg_1": "#2", "arg_2": 1000, "resp": 1.04 }, { "operator": "ln", "arg_1": "#3", "arg_2": "#3", "resp": 0.03922071315328133 }, { "operator": "ln", "arg_1": "#1", "arg_2": "#1", "resp": 0.0006573181656478395 }, { "operator": "divide", "arg_1": "#4", "arg_2": "#5", "resp": 59.66777612881912 }, { "operator": "ceil", "arg_1": "#6", "arg_2": "#6", "resp": 60 } ], "program": [ "divide(0.24, 365)", "add(1, #0)", "add(1000, 40)", "divide(#2, 1000)", "ln(#3, #3)", "ln(#1, #1)", "divide(#4, #5)", "ceil(#6, #6)" ], "question_tense": "THIRD", "financial_terms": [ "CONVENIENCE CHECK", "DAILY COMPOUNDING", "PAYOFF TIME", "CHECK CASH ADVANCE", "DAILY COMPOUNDING INTEREST", "ROUND-UP RULE", "365-DAY RATE BASIS", "LOGARITHMIC PAYOFF CALCULATION" ], "credit_card": "Discover Near Prime Cardmember Agreement_061824-255535.md" }, { "question": "Discover Near Prime imposes a policy where they request the holder to pay off their $1000 credit line balance at an APR of 19.99%. Assuming the holder pays off $100 a month, how many months will it take to pay off the credit line? Round up to the next whole number of months?", "ground_truth": "12", "output_units": "month", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": 0.1999, "arg_2": 12, "resp": 0.016658333333333334 }, { "operator": "add", "arg_1": 1, "arg_2": "#0", "resp": 1.0166583333333334 }, { "operator": "multiply", "arg_1": "#0", "arg_2": 1000, "resp": 16.658333333333335 }, { "operator": "subtract", "arg_1": 100, "arg_2": "#2", "resp": 83.34166666666667 }, { "operator": "divide", "arg_1": 100, "arg_2": "#3", "resp": 1.1998800119988 }, { "operator": "ln", "arg_1": "#4", "arg_2": "#4", "resp": 0.18222156179362123 }, { "operator": "ln", "arg_1": "#1", "arg_2": "#1", "resp": 0.016521105196305893 }, { "operator": "divide", "arg_1": "#5", "arg_2": "#6", "resp": 11.029622996067227 }, { "operator": "ceil", "arg_1": "#7", "arg_2": "#7", "resp": 12 } ], "program": [ "divide(0.1999, 12)", "add(1, #0)", "multiply(#0, 1000)", "subtract(100, #2)", "divide(100, #3)", "ln(#4, #4)", "ln(#1, #1)", "divide(#5, #6)", "ceil(#7, #7)" ], "question_tense": "THIRD", "financial_terms": [ "CREDIT LIMIT", "PAYOFF TIME", "BALANCE PAYOFF", "CREDIT LINE", "ROUND-UP RULE", "LOGARITHMIC PAYOFF CALCULATION", "DISCOVER CARD TERMS" ], "credit_card": "Discover Near Prime Cardmember Agreement_061824-255535.md" }, { "question": "If the cardholder takes out a Discover Near Prime check cash advance at 29.99% APR, how much total interest will accrue on $1,500 advance after 8 months, assuming no payments? Assume interest is accumulated by being compounded daily and there are an average of 30 days per month. Round the answer up to the next whole number of dollars. Assume no other payments or charges are being charged to the account despite what the credit card agreement says for these 8 months?", "ground_truth": "327.00", "output_units": "$", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 1, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 1, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": 29.99, "arg_2": 100, "resp": 0.2999 }, { "operator": "divide", "arg_1": "#0", "arg_2": 365, "resp": 0.0008216438356164383 }, { "operator": "add", "arg_1": 1, "arg_2": "#1", "resp": 1.0008216438356163 }, { "operator": "multiply", "arg_1": 8, "arg_2": 30, "resp": 240 }, { "operator": "exponent", "arg_1": "#2", "arg_2": "#3", "resp": 1.21788232712506 }, { "operator": "subtract", "arg_1": "#4", "arg_2": 1, "resp": 0.21788232712506014 }, { "operator": "multiply", "arg_1": 1500, "arg_2": "#5", "resp": 326.8234906875902 }, { "operator": "ceil", "arg_1": "#6", "arg_2": "#6", "resp": 327 } ], "program": [ "divide(29.99, 100)", "divide(#0, 365)", "add(1, #1)", "multiply(8, 30)", "exponent(#2, #3)", "subtract(#4, 1)", "multiply(1500, #5)", "ceil(#6, #6)" ], "question_tense": "THIRD", "financial_terms": [ "CASH ADVANCE APR", "CONVENIENCE CHECK", "DAILY COMPOUNDING", "INTEREST ACCRUAL", "DAILY COMPOUNDING INTEREST", "THIRTY-DAY INTEREST", "MONTHLY PAYMENT", "ROUND-UP RULE", "365-DAY RATE BASIS", "EXPONENTIAL INTEREST CALCULATION", "DISCOVER CARD TERMS", "NO-PAYMENT SCENARIO" ], "credit_card": "Discover Near Prime Cardmember Agreement_061824-255535.md" }, { "question": "A Discover Near Prime check cash advance is taken at 29.99% APR and another at 19.99% APR, both with $5,000 balance for 2 years. How much more interest will be paid at the higher rate if interest is compounded monthly?", "ground_truth": "1608.75", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 2, "month": 0, "day": 0, "year": 1, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 0, "year": 1, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": 29.99, "arg_2": 100, "resp": 0.2999 }, { "operator": "divide", "arg_1": "#0", "arg_2": 12, "resp": 0.024991666666666666 }, { "operator": "add", "arg_1": 1, "arg_2": "#1", "resp": 1.0249916666666667 }, { "operator": "multiply", "arg_1": 2, "arg_2": 12, "resp": 24 }, { "operator": "exponent", "arg_1": "#2", "arg_2": "#3", "resp": 1.8083730604409085 }, { "operator": "subtract", "arg_1": "#4", "arg_2": 1, "resp": 0.8083730604409084 }, { "operator": "multiply", "arg_1": 5000, "arg_2": "#5", "resp": 4041.865302204542 }, { "operator": "divide", "arg_1": 19.99, "arg_2": 100, "resp": 0.1999 }, { "operator": "divide", "arg_1": "#7", "arg_2": 12, "resp": 0.016658333333333334 }, { "operator": "add", "arg_1": 1, "arg_2": "#8", "resp": 1.0166583333333334 }, { "operator": "exponent", "arg_1": "#9", "arg_2": "#3", "resp": 1.4866221377234679 }, { "operator": "subtract", "arg_1": "#10", "arg_2": 1, "resp": 0.4866221377234678 }, { "operator": "multiply", "arg_1": 5000, "arg_2": "#11", "resp": 2433.110688617339 }, { "operator": "subtract", "arg_1": "#6", "arg_2": "#12", "resp": 1608.754613587203 } ], "program": [ "divide(29.99, 100)", "divide(#0, 12)", "add(1, #1)", "multiply(2, 12)", "exponent(#2, #3)", "subtract(#4, 1)", "multiply(5000, #5)", "divide(19.99, 100)", "divide(#7, 12)", "add(1, #8)", "exponent(#9, #3)", "subtract(#10, 1)", "multiply(5000, #11)", "subtract(#6, #12)" ], "question_tense": "THIRD", "financial_terms": [ "CASH ADVANCE APR", "CONVENIENCE CHECK", "ACCOUNT BALANCE", "MONTHLY COMPOUNDING", "MONTHLY COMPOUNDING INTEREST", "EXPONENTIAL INTEREST CALCULATION", "DISCOVER CARD TERMS" ], "credit_card": "Discover Near Prime Cardmember Agreement_061824-255535.md" }, { "question": "Using the Discover Near Prime Card, I have $2000 balance that I forgot to pay. As a result, a penalty APR imposed by the company of 35% is incurred. How much would I pay each month if I wanted to pay off the balance in 12 months of equal payments. Assume monthly compounding for simplicity even though credit card agreement may mention daily compounding, and keep the APR mentioned even if it exceeds the maximum APR mentioned by the credit card agreement?", "ground_truth": "199.93", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 1, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 1, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": 0.35, "arg_2": 12, "resp": 0.029166666666666664 }, { "operator": "add", "arg_1": 1, "arg_2": "#0", "resp": 1.0291666666666666 }, { "operator": "exponent", "arg_1": "#1", "arg_2": 12, "resp": 1.4119799784913694 }, { "operator": "multiply", "arg_1": 2000, "arg_2": "#0", "resp": 58.33333333333333 }, { "operator": "multiply", "arg_1": "#3", "arg_2": "#2", "resp": 82.36533207894654 }, { "operator": "subtract", "arg_1": "#2", "arg_2": 1, "resp": 0.4119799784913694 }, { "operator": "divide", "arg_1": "#4", "arg_2": "#5", "resp": 199.92597467222637 } ], "program": [ "divide(0.35, 12)", "add(1, #0)", "exponent(#1, 12)", "multiply(2000, #0)", "multiply(#3, #2)", "subtract(#2, 1)", "divide(#4, #5)" ], "question_tense": "FIRST", "financial_terms": [ "PENALTY APR", "ACCOUNT BALANCE", "DAILY COMPOUNDING", "MONTHLY COMPOUNDING", "PAYOFF TIME", "MAXIMUM APR TEST", "DAILY COMPOUNDING INTEREST", "MONTHLY COMPOUNDING INTEREST", "BALANCE PAYOFF", "EXPONENTIAL INTEREST CALCULATION", "DISCOVER CARD TERMS" ], "credit_card": "Discover Near Prime Cardmember Agreement_061824-255535.md" }, { "question": "A cardholder takes out a cash advance such that the cash advance fee and the transfer amount sum to a total of $750 at 28% APR and makes no payments for 3 months. Will the interest accrued exceed $50? Assume monthly compounding for simplicity even though credit card agreement may mention daily compounding?", "ground_truth": "TRUE", "output_units": "binary", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 1, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 1, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": 28, "arg_2": 0.01, "resp": 0.28 }, { "operator": "divide", "arg_1": "#0", "arg_2": 12, "resp": 0.023333333333333334 }, { "operator": "add", "arg_1": 1, "arg_2": "#1", "resp": 1.0233333333333334 }, { "operator": "exponent", "arg_1": "#2", "arg_2": 3, "resp": 1.071646037037037 }, { "operator": "multiply", "arg_1": 750, "arg_2": "#3", "resp": 803.7345277777779 }, { "operator": "subtract", "arg_1": "#4", "arg_2": 750, "resp": 53.73452777777788 }, { "operator": "greater", "arg_1": "#5", "arg_2": 50, "resp": "TRUE" } ], "program": [ "multiply(28, 0.01)", "divide(#0, 12)", "add(1, #1)", "exponent(#2, 3)", "multiply(750, #3)", "subtract(#4, 750)", "greater(#5, 50)" ], "question_tense": "THIRD", "financial_terms": [ "CASH ADVANCE APR", "CASH ADVANCE FEE", "DAILY COMPOUNDING", "MONTHLY COMPOUNDING", "DAILY COMPOUNDING INTEREST", "MONTHLY COMPOUNDING INTEREST", "EXPONENTIAL INTEREST CALCULATION", "NO-PAYMENT SCENARIO" ], "credit_card": "Discover Near Prime Cardmember Agreement_061824-255535.md" }, { "question": "The minimum payment is the balance plus the maximum of 2% of the balance and 35. John has a balance of 2385. On the payment due date, will John have to pay more than 35?", "ground_truth": "TRUE", "output_units": "binary", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "2385", "arg_2": "0.02", "resp": 47.7 }, { "operator": "max", "arg_1": "#0", "arg_2": "35", "resp": 47.7 }, { "operator": "greater", "arg_1": "#1", "arg_2": "35", "resp": "TRUE" } ], "program": [ "multiply(2385, 0.02)", "max(#0, 35)", "greater(#1, 35)" ], "question_tense": "THIRD", "financial_terms": [ "MINIMUM PAYMENT", "ACCOUNT BALANCE", "PAYMENT DUE DATE", "MINIMUM PAYMENT FORMULA", "PAYMENT DUE DATE CALCULATION", "MAXIMUM SELECTION", "PERCENTAGE-BASED FEE" ], "credit_card": "Discover Prime Cardmember Agreement_061824-255536.md" }, { "question": "Imagine there is a fee of 7000 for attorneys' fees, costs and expert and other witness fees. After the arbitrator rules in the cardholder's favor, the cardholder is entitled to 3000. After these series of events, did the cardholder successfully make the cardholder's money back from winning the case? Note the cardholder is entitled to a minimum of 7500?", "ground_truth": "TRUE", "output_units": "binary", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "max", "arg_1": "7500", "arg_2": "3000", "resp": 7500 }, { "operator": "subtract", "arg_1": "#0", "arg_2": "7000", "resp": 500 }, { "operator": "greater", "arg_1": "#1", "arg_2": "0", "resp": "TRUE" }, { "operator": "if", "arg_1": "#2", "arg_2": "TRUE", "arg_3": "FALSE", "resp": "TRUE" } ], "program": [ "max(7500, 3000)", "subtract(#0, 7000)", "greater(#1, 0)", "if(#2, TRUE, FALSE)" ], "question_tense": "THIRD", "financial_terms": [ "ARBITRATION AWARD", "MINIMUM FEE RULE", "ARBITRATION PAYMENT", "MAXIMUM SELECTION", "CONDITIONAL FINANCIAL RULE" ], "credit_card": "Discover Prime Cardmember Agreement_061824-255536.md" }, { "question": "John has a new balance of 10000. Two seconds before the payment due date, he pays off 99% of the balance. Will his minimum payment be under 20?", "ground_truth": "FALSE", "output_units": "binary", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "10000", "arg_2": "0.01", "resp": 100 }, { "operator": "less", "arg_1": "#0", "arg_2": "20", "resp": "FALSE" } ], "program": [ "multiply(10000, 0.01)", "less(#0, 20)" ], "question_tense": "THIRD", "financial_terms": [ "MINIMUM PAYMENT", "ACCOUNT BALANCE", "PAYMENT DUE DATE", "MINIMUM PAYMENT FORMULA", "PAYMENT DUE DATE CALCULATION", "NEW BALANCE", "PERCENTAGE-BASED FEE", "MINIMUM PAYMENT ON NEW BALANCE" ], "credit_card": "Discover Prime Cardmember Agreement_061824-255536.md" }, { "question": "For these questions, assume a cash advance fee of 3% of the withdrawal plus any additional service fees, with a minimum of 5. If I withdraw 170, will the cash advance fee exceed the minimum amount of 5, assuming there are no ATM service fees?", "ground_truth": "TRUE", "output_units": "binary", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "170", "arg_2": "0.03", "resp": 5.1 }, { "operator": "greater", "arg_1": "#0", "arg_2": "5", "resp": "TRUE" } ], "program": [ "multiply(170, 0.03)", "greater(#0, 5)" ], "question_tense": "THIRD", "financial_terms": [ "CASH ADVANCE FEE", "MINIMUM FEE RULE", "ATM CASH ADVANCE", "PERCENTAGE-BASED FEE", "CASH ADVANCE MINIMUM FEE" ], "credit_card": "Discover Prime Cardmember Agreement_061824-255536.md" }, { "question": "For these questions, assume a cash advance fee of 5% of the withdrawal plus any additional service fees, with a minimum of 10. If I want to withdraw 30 every day for four days, how much cash advance fees would I accumulate overall, assuming I’m using an ATM with a 10 fee each time I withdraw?", "ground_truth": "40.00", "output_units": "$", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 1, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 1, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "add", "arg_1": "30", "arg_2": "10", "resp": 40 }, { "operator": "multiply", "arg_1": "0.05", "arg_2": "#0", "resp": 2 }, { "operator": "max", "arg_1": "#1", "arg_2": "10", "resp": 10 }, { "operator": "multiply", "arg_1": "4", "arg_2": "#2", "resp": 40 } ], "program": [ "add(30, 10)", "multiply(0.05, #0)", "max(#1, 10)", "multiply(4, #2)" ], "question_tense": "FIRST", "financial_terms": [ "CASH ADVANCE FEE", "MINIMUM FEE RULE", "ATM CASH ADVANCE", "MAXIMUM SELECTION", "PERCENTAGE-BASED FEE", "CASH ADVANCE MINIMUM FEE" ], "credit_card": "Discover Prime Cardmember Agreement_061824-255536.md" }, { "question": "For these questions, assume a cash advance fee of 3% of the withdrawal plus any additional service fees, with a minimum of 5. How much would I need to pay in cash advance fees if I withdrew 10, assuming there was an additional fee of 5 charged by the ATM operator?", "ground_truth": "5.00", "output_units": "$", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "add", "arg_1": "10", "arg_2": "5", "resp": 15 }, { "operator": "multiply", "arg_1": "0.03", "arg_2": "#0", "resp": 0.45 }, { "operator": "max", "arg_1": "5", "arg_2": "#1", "resp": 5 } ], "program": [ "add(10, 5)", "multiply(0.03, #0)", "max(5, #1)" ], "question_tense": "FIRST", "financial_terms": [ "CASH ADVANCE FEE", "MINIMUM FEE RULE", "ATM CASH ADVANCE", "MAXIMUM SELECTION", "PERCENTAGE-BASED FEE", "CASH ADVANCE MINIMUM FEE", "ATM OPERATOR FEE" ], "credit_card": "Discover Prime Cardmember Agreement_061824-255536.md" }, { "question": "If I have to make a late minimum payment of 41, will I be able to pay this off by selling four soda cans each worth 10?", "ground_truth": "FALSE", "output_units": "binary", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 1 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 1 } }, "steps": [ { "operator": "multiply", "arg_1": "10", "arg_2": "4", "resp": 40 }, { "operator": "greater", "arg_1": "#0", "arg_2": "41", "resp": "FALSE" } ], "program": [ "multiply(10, 4)", "greater(#0, 41)" ], "question_tense": "FIRST", "financial_terms": [ "LATE PAYMENT FEE", "MINIMUM PAYMENT", "MINIMUM PAYMENT FORMULA" ], "credit_card": "Discover Prime Cardmember Agreement_061824-255536.md" }, { "question": "How many days would it take for an outstanding balance of 0.03 to accumulate the least amount in interest?", "ground_truth": "17", "output_units": "day", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "0.5", "arg_2": "0.03", "resp": 16.6666666667 }, { "operator": "ceil", "arg_1": "#0", "resp": 17 } ], "program": [ "divide(0.5, 0.03)", "ceil(#0)" ], "question_tense": "THIRD", "financial_terms": [ "MINIMUM INTEREST CHARGE", "ACCOUNT BALANCE", "PAYOFF TIME", "OUTSTANDING BALANCE", "ROUND-UP RULE" ], "credit_card": "Discover Prime Cardmember Agreement_061824-255536.md" }, { "question": "Suppose that John has a balance of 100. He does not buy anything for the rest of the month and owes 102. Is this possible due to minimum payment rules?", "ground_truth": "FALSE", "output_units": "binary", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "100", "arg_2": "0.02", "resp": 2 }, { "operator": "max", "arg_1": "#0", "arg_2": "35", "resp": 35 }, { "operator": "add", "arg_1": "#1", "arg_2": "100", "resp": 135 }, { "operator": "greater", "arg_1": "102", "arg_2": "#2", "resp": "FALSE" } ], "program": [ "multiply(100, 0.02)", "max(#0, 35)", "add(#1, 100)", "greater(102, #2)" ], "question_tense": "THIRD", "financial_terms": [ "MINIMUM PAYMENT", "ACCOUNT BALANCE", "MINIMUM PAYMENT FORMULA", "MAXIMUM SELECTION" ], "credit_card": "Discover Prime Cardmember Agreement_061824-255536.md" }, { "question": "Suppose that John has bought a vacuum worth 100. At the end of the month, he has to pay 2 in minimum payment due. Is this possible considering minimum payment fees?", "ground_truth": "FALSE", "output_units": "binary", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "100", "arg_2": "0.02", "resp": 2 }, { "operator": "max", "arg_1": "#0", "arg_2": "35", "resp": 35 }, { "operator": "greater", "arg_1": "2", "arg_2": "#1", "resp": "FALSE" } ], "program": [ "multiply(100, 0.02)", "max(#0, 35)", "greater(2, #1)" ], "question_tense": "THIRD", "financial_terms": [ "MINIMUM PAYMENT", "MINIMUM FEE RULE", "MINIMUM PAYMENT FORMULA", "MAXIMUM SELECTION", "MINIMUM PAYMENT DUE" ], "credit_card": "Discover Prime Cardmember Agreement_061824-255536.md" }, { "question": "Does paying the full balance on the due date result in interest charges on new purchases?", "ground_truth": "FALSE", "output_units": "binary", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "equal", "arg_1": "0", "arg_2": "1", "resp": "FALSE" } ], "program": [ "equal(0, 1)" ], "question_tense": "THIRD", "financial_terms": [ "PURCHASE APR", "ACCOUNT BALANCE", "GRACE PERIOD", "INTEREST ACCRUAL", "PAYMENT DUE DATE", "PAYMENT DUE DATE CALCULATION", "CHASE CARD TERMS" ], "credit_card": "Discover Secured Cardmember Agreement_061824-255534.md" }, { "question": "By how many dollars does the fee for $600 cash advance exceed that for $50 cash advance?", "ground_truth": "20.00", "output_units": "$", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "5", "arg_2": "100", "resp": 0.05 }, { "operator": "multiply", "arg_1": "600", "arg_2": "#0", "resp": 30.0 }, { "operator": "max", "arg_1": "#1", "arg_2": "10", "resp": 30.0 }, { "operator": "multiply", "arg_1": "50", "arg_2": "#0", "resp": 2.5 }, { "operator": "max", "arg_1": "#3", "arg_2": "10", "resp": 10.0 }, { "operator": "subtract", "arg_1": "#2", "arg_2": "#4", "resp": 20.0 }, { "operator": "round", "arg_1": "#5", "arg_2": "2", "resp": 20.0 } ], "program": [ "divide(5, 100)", "multiply(600, #0)", "max(#1, 10)", "multiply(50, #0)", "max(#3, 10)", "subtract(#2, #4)", "round(#5, 2)" ], "question_tense": "THIRD", "financial_terms": [ "CASH ADVANCE FEE", "ROUNDING RULE", "MAXIMUM SELECTION" ], "credit_card": "Discover Secured Cardmember Agreement_061824-255534.md" }, { "question": "A billing cycle ends on July 1. What is the due date if payment is due 25 days later?", "ground_truth": "26", "output_units": "day", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 2, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 2, "year": 0, "$": 0, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "add", "arg_1": "1", "arg_2": "25", "resp": 26 } ], "program": [ "add(1, 25)" ], "question_tense": "THIRD", "financial_terms": [ "BILLING CYCLE", "PAYMENT DUE DATE", "BILLING-CYCLE INTEREST", "PAYMENT DUE DATE CALCULATION", "DAY COUNT CALCULATION" ], "credit_card": "Discover Secured Cardmember Agreement_061824-255534.md" }, { "question": "If a customer's balance is $1,000 for the first 20 days and then $1,500 for the remaining 10 days of a 30-day cycle at 28.24% APR, what is the total interest?", "ground_truth": "27.08", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 2, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 2, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "1000", "arg_2": "20", "resp": 20000.0 }, { "operator": "multiply", "arg_1": "1500", "arg_2": "10", "resp": 15000.0 }, { "operator": "add", "arg_1": "#0", "arg_2": "#1", "resp": 35000.0 }, { "operator": "divide", "arg_1": "28.24", "arg_2": "100", "resp": 0.2824 }, { "operator": "divide", "arg_1": "#3", "arg_2": "365", "resp": 0.0007736986301369864 }, { "operator": "multiply", "arg_1": "#4", "arg_2": "#2", "resp": 27.079452054794523 }, { "operator": "round", "arg_1": "#5", "arg_2": "2", "resp": 27.08 } ], "program": [ "multiply(1000, 20)", "multiply(1500, 10)", "add(#0, #1)", "divide(28.24, 100)", "divide(#3, 365)", "multiply(#4, #2)", "round(#5, 2)" ], "question_tense": "THIRD", "financial_terms": [ "PURCHASE APR", "ACCOUNT BALANCE", "INTEREST ACCRUAL", "ROUNDING RULE", "365-DAY RATE BASIS" ], "credit_card": "Discover Secured Cardmember Agreement_061824-255534.md" }, { "question": "If a customer's balance is $1,000 for a 30-day cycle with no transactions, what is the total interest at 28.24% APR using the daily balance method?", "ground_truth": "23.21", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 1, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 1, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "28.24", "arg_2": "100", "resp": 0.2824 }, { "operator": "divide", "arg_1": "#0", "arg_2": "365", "resp": 0.0007736986301369864 }, { "operator": "multiply", "arg_1": "1000", "arg_2": "#1", "resp": 0.7736986301369864 }, { "operator": "multiply", "arg_1": "#2", "arg_2": "30", "resp": 23.210958904109592 }, { "operator": "round", "arg_1": "#3", "arg_2": "2", "resp": 23.21 } ], "program": [ "divide(28.24, 100)", "divide(#0, 365)", "multiply(1000, #1)", "multiply(#2, 30)", "round(#3, 2)" ], "question_tense": "THIRD", "financial_terms": [ "DAILY PERIODIC RATE", "PURCHASE APR", "ACCOUNT BALANCE", "INTEREST ACCRUAL", "DAILY BALANCE", "ROUNDING RULE", "365-DAY RATE BASIS" ], "credit_card": "Discover Secured Cardmember Agreement_061824-255534.md" }, { "question": "If a purchase is made on the first day of a 30-day cycle and the due date is 25 days after the cycle end, what is the total grace period?", "ground_truth": "55", "output_units": "day", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 2, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 2, "year": 0, "$": 0, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "add", "arg_1": "30", "arg_2": "25", "resp": 55 } ], "program": [ "add(30, 25)" ], "question_tense": "THIRD", "financial_terms": [ "PURCHASE TRANSACTION", "GRACE PERIOD", "PAYMENT DUE DATE", "PAYMENT DUE DATE CALCULATION", "CHASE CARD TERMS" ], "credit_card": "Discover Secured Cardmember Agreement_061824-255534.md" }, { "question": "If a customer's new balance is $500, with 3% of $500 equaling $15 and additional fees of $10, what is the minimum payment due?", "ground_truth": "25.00", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "add", "arg_1": "15", "arg_2": "10", "resp": 25 } ], "program": [ "add(15, 10)" ], "question_tense": "THIRD", "financial_terms": [ "MINIMUM PAYMENT", "ACCOUNT BALANCE", "MINIMUM FEE RULE", "MINIMUM PAYMENT FORMULA", "NEW BALANCE", "PERCENTAGE-BASED FEE", "MINIMUM PAYMENT DUE", "MINIMUM PAYMENT ON NEW BALANCE" ], "credit_card": "Discover Secured Cardmember Agreement_061824-255534.md" }, { "question": "How much additional monthly interest is charged on $1,000 cash advance at 29.99% APR compared to $1,000 purchase at 28.24% APR?", "ground_truth": "1.46", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "29.99", "arg_2": "100", "resp": 0.2999 }, { "operator": "divide", "arg_1": "#0", "arg_2": "12", "resp": 0.024991666666666666 }, { "operator": "multiply", "arg_1": "1000", "arg_2": "#1", "resp": 24.991666666666667 }, { "operator": "divide", "arg_1": "28.24", "arg_2": "100", "resp": 0.2824 }, { "operator": "divide", "arg_1": "#3", "arg_2": "12", "resp": 0.023533333333333333 }, { "operator": "multiply", "arg_1": "1000", "arg_2": "#4", "resp": 23.53333333333333 }, { "operator": "subtract", "arg_1": "#2", "arg_2": "#5", "resp": 1.458333333333336 }, { "operator": "round", "arg_1": "#6", "arg_2": "2", "resp": 1.46 } ], "program": [ "divide(29.99, 100)", "divide(#0, 12)", "multiply(1000, #1)", "divide(28.24, 100)", "divide(#3, 12)", "multiply(1000, #4)", "subtract(#2, #5)", "round(#6, 2)" ], "question_tense": "THIRD", "financial_terms": [ "CASH ADVANCE APR", "PURCHASE APR", "ROUNDING RULE", "CHASE CARD TERMS" ], "credit_card": "Discover Secured Cardmember Agreement_061824-255534.md" }, { "question": "If a minimum payment of $40 consists of $25 interest and $15 principal, what percentage of the payment reduces the principal?", "ground_truth": "37.50", "output_units": "%", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "15", "arg_2": "40", "resp": 0.375 }, { "operator": "multiply", "arg_1": "#0", "arg_2": "100", "resp": 37.5 }, { "operator": "round", "arg_1": "#1", "arg_2": "2", "resp": 37.5 } ], "program": [ "divide(15, 40)", "multiply(#0, 100)", "round(#1, 2)" ], "question_tense": "THIRD", "financial_terms": [ "MINIMUM PAYMENT", "PERCENTAGE CALCULATION", "MINIMUM PAYMENT FORMULA", "PRINCIPAL REDUCTION", "ROUNDING RULE" ], "credit_card": "Discover Secured Cardmember Agreement_061824-255534.md" }, { "question": "Calculate the fee for $600 cash advance using the rule?", "ground_truth": "30.00", "output_units": "$", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "5", "arg_2": "100", "resp": 0.05 }, { "operator": "multiply", "arg_1": "600", "arg_2": "#0", "resp": 30.0 }, { "operator": "max", "arg_1": "#1", "arg_2": "10", "resp": 30.0 }, { "operator": "round", "arg_1": "#2", "arg_2": "2", "resp": 30.0 } ], "program": [ "divide(5, 100)", "multiply(600, #0)", "max(#1, 10)", "round(#2, 2)" ], "question_tense": "THIRD", "financial_terms": [ "CASH ADVANCE FEE", "ROUNDING RULE", "MAXIMUM SELECTION" ], "credit_card": "Discover Secured Cardmember Agreement_061824-255534.md" }, { "question": "If the cardholder has a balance of $6,000 with an APR of 29.99%, and the cardholder makes no payments, how many days will it take for the cardholder's balance to grow to $6,500 due to daily compounding interest? Assume the DPR is calculated using a 365-day year?", "ground_truth": 98, "output_units": "day", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "29.99", "arg_2": "100", "resp": 0.2999 }, { "operator": "divide", "arg_1": "#0", "arg_2": "365", "resp": 0.0008216438356164384 }, { "operator": "add", "arg_1": "1", "arg_2": "#1", "resp": 1.0008216438356163 }, { "operator": "divide", "arg_1": "6500", "arg_2": "6000", "resp": 1.0833333333333333 }, { "operator": "ln", "arg_1": "#2", "resp": 0.0008213064711030348 }, { "operator": "ln", "arg_1": "#3", "resp": 0.08004270767353636 }, { "operator": "divide", "arg_1": "#5", "arg_2": "#4", "resp": 97.45778280066031 }, { "operator": "ceil", "arg_1": "#6", "resp": 98 } ], "program": [ "divide(29.99, 100)", "divide(#0, 365)", "add(1, #1)", "divide(6500, 6000)", "ln(#2)", "ln(#3)", "divide(#5, #4)", "ceil(#6)" ], "question_tense": "THIRD", "financial_terms": [ "DAILY PERIODIC RATE", "APR TO DPR CONVERSION", "PURCHASE APR", "ACCOUNT BALANCE", "DAILY COMPOUNDING", "PAYOFF TIME", "DAILY COMPOUNDING INTEREST", "ROUND-UP RULE", "365-DAY RATE BASIS", "LOGARITHMIC PAYOFF CALCULATION", "NO-PAYMENT SCENARIO" ], "credit_card": "GAPCobrand_combined.md" }, { "question": "The cardholder takes out $3,000 Cash Advance with an APR of 32.24%. Assuming no payments are made and interest compounds daily based on a DPR calculated over 365 days, how many days will it take for the cardholder's balance to grow to $3,500?", "ground_truth": "175", "output_units": "day", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "32.24", "arg_2": "100", "resp": 0.3224 }, { "operator": "divide", "arg_1": "#0", "arg_2": "365", "resp": 0.0008832876712328768 }, { "operator": "add", "arg_1": "1", "arg_2": "#1", "resp": 1.0008832876712328 }, { "operator": "divide", "arg_1": "3500", "arg_2": "3000", "resp": 1.1666666666666667 }, { "operator": "ln", "arg_1": "#2", "resp": 0.000882897802238486 }, { "operator": "ln", "arg_1": "#3", "resp": 0.15415067982725836 }, { "operator": "divide", "arg_1": "#5", "arg_2": "#4", "resp": 174.59628898885805 }, { "operator": "ceil", "arg_1": "#6", "resp": 175 } ], "program": [ "divide(32.24, 100)", "divide(#0, 365)", "add(1, #1)", "divide(3500, 3000)", "ln(#2)", "ln(#3)", "divide(#5, #4)", "ceil(#6)" ], "question_tense": "THIRD", "financial_terms": [ "DAILY PERIODIC RATE", "APR TO DPR CONVERSION", "CASH ADVANCE APR", "ACCOUNT BALANCE", "PAYOFF TIME", "ROUND-UP RULE", "365-DAY RATE BASIS", "LOGARITHMIC PAYOFF CALCULATION", "NO-PAYMENT SCENARIO" ], "credit_card": "GAPCobrand_combined.md" }, { "question": "The cardholder has a balance of $3,500 with an APR of 29.99%. If no payments are made and interest compounds daily using the DPR, how many days will it take for the cardholder's balance to grow to $4,000?", "ground_truth": 163, "output_units": "day", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "29.99", "arg_2": "100", "resp": 0.2999 }, { "operator": "divide", "arg_1": "#0", "arg_2": "365", "resp": 0.0008216438356164384 }, { "operator": "add", "arg_1": "1", "arg_2": "#1", "resp": 1.0008216438356163 }, { "operator": "divide", "arg_1": "4000", "arg_2": "3500", "resp": 1.1428571428571428 }, { "operator": "ln", "arg_1": "#2", "resp": 0.0008213064711030348 }, { "operator": "ln", "arg_1": "#3", "resp": 0.13353139262452257 }, { "operator": "divide", "arg_1": "#5", "arg_2": "#4", "resp": 162.58412337259028 }, { "operator": "ceil", "arg_1": "#6", "resp": 163 } ], "program": [ "divide(29.99, 100)", "divide(#0, 365)", "add(1, #1)", "divide(4000, 3500)", "ln(#2)", "ln(#3)", "divide(#5, #4)", "ceil(#6)" ], "question_tense": "THIRD", "financial_terms": [ "DAILY PERIODIC RATE", "APR TO DPR CONVERSION", "PURCHASE APR", "ACCOUNT BALANCE", "PAYOFF TIME", "ROUND-UP RULE", "365-DAY RATE BASIS", "LOGARITHMIC PAYOFF CALCULATION", "NO-PAYMENT SCENARIO" ], "credit_card": "GAPCobrand_combined.md" }, { "question": "If a customer makes a late payment and incurs a late fee of $40, and they also have an outstanding balance of $500 accruing interest at an APR of 29.24%, how much will they owe after one billing cycle (assuming 30 days in the cycle)? Assume that interest is compounded daily?", "ground_truth": "552.17", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 1, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 1, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "29.24", "arg_2": "100", "resp": 0.2924 }, { "operator": "divide", "arg_1": "#0", "arg_2": "365", "resp": 0.0008010958904109589 }, { "operator": "add", "arg_1": "1", "arg_2": "#1", "resp": 1.000801095890411 }, { "operator": "exponent", "arg_1": "#2", "arg_2": "30", "resp": 1.0243141385827692 }, { "operator": "subtract", "arg_1": "#3", "arg_2": "1", "resp": 0.024314138582769207 }, { "operator": "multiply", "arg_1": "500", "arg_2": "#4", "resp": 12.157069291384603 }, { "operator": "add", "arg_1": "500", "arg_2": "#5", "resp": 512.1570692913846 }, { "operator": "add", "arg_1": "#6", "arg_2": "40", "resp": 552.1570692913846 }, { "operator": "round", "arg_1": "#7", "arg_2": "2", "resp": 552.16 } ], "program": [ "divide(29.24, 100)", "divide(#0, 365)", "add(1, #1)", "exponent(#2, 30)", "subtract(#3, 1)", "multiply(500, #4)", "add(500, #5)", "add(#6, 40)", "round(#7, 2)" ], "question_tense": "THIRD", "financial_terms": [ "PURCHASE APR", "LATE PAYMENT FEE", "ACCOUNT BALANCE", "BILLING CYCLE", "DAILY COMPOUNDING", "DAILY COMPOUNDING INTEREST", "THIRTY-DAY INTEREST", "BILLING-CYCLE INTEREST", "OUTSTANDING BALANCE", "ROUNDING RULE", "365-DAY RATE BASIS", "EXPONENTIAL INTEREST CALCULATION" ], "credit_card": "GAPCobrand_combined.md" }, { "question": "A cardholder has an outstanding balance of $5,000 on their credit card account. On March 10th, they attempt to make a payment of $2,000, but the payment is returned unpaid on March 20th. The returned payment fee is 3% of the returned payment amount. Additionally, the cardholder has a past due amount of $400 from the previous billing cycle. The current payment is calculated as: 1% of the balance, new interest charge of $60 and late fee of $50 If the billing cycle ends on March 31st, and the Payment Due Date is 30 days after the billing cycle closes, determine: the minimum payment due?", "ground_truth": "620.00", "output_units": "$", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 5, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 5, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "3", "arg_2": "100", "resp": 0.03 }, { "operator": "multiply", "arg_1": "2000", "arg_2": "#0", "resp": 60 }, { "operator": "divide", "arg_1": "1", "arg_2": "100", "resp": 0.01 }, { "operator": "multiply", "arg_1": "5000", "arg_2": "#2", "resp": 50 }, { "operator": "add", "arg_1": "#1", "arg_2": "#3", "resp": 110 }, { "operator": "add", "arg_1": "#4", "arg_2": "60", "resp": 170 }, { "operator": "add", "arg_1": "#5", "arg_2": "50", "resp": 220 }, { "operator": "add", "arg_1": "#6", "arg_2": "400", "resp": 620 } ], "program": [ "divide(3, 100)", "multiply(2000, #0)", "divide(1, 100)", "multiply(5000, #2)", "add(#1, #3)", "add(#4, 60)", "add(#5, 50)", "add(#6, 400)" ], "question_tense": "THIRD", "financial_terms": [ "LATE PAYMENT FEE", "RETURNED PAYMENT FEE", "MINIMUM PAYMENT", "ACCOUNT BALANCE", "BILLING CYCLE", "INTEREST ACCRUAL", "MINIMUM FEE RULE", "PAYMENT DUE DATE", "RETURNED ITEM FEE", "THIRTY-DAY INTEREST", "BILLING-CYCLE INTEREST", "MINIMUM PAYMENT FORMULA", "PAYMENT DUE DATE CALCULATION", "OUTSTANDING BALANCE", "PERCENTAGE-BASED FEE", "MINIMUM PAYMENT DUE" ], "credit_card": "GAPCobrand_combined.md" }, { "question": "A cardholder wants to pay off $2,000 balance while minimizing the interest charges to $100. How quickly must he pay the outstanding balance (APR of 28.99%)?", "ground_truth": 126, "output_units": "day", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "28.99", "arg_2": "100", "resp": 0.2899 }, { "operator": "divide", "arg_1": "#0", "arg_2": "365", "resp": 0.0007942465753424657 }, { "operator": "divide", "arg_1": "100", "arg_2": "2000", "resp": 0.05 }, { "operator": "add", "arg_1": "1", "arg_2": "#1", "resp": 1.0007942465753425 }, { "operator": "ln", "arg_1": "1.05", "resp": 0.04879016416943205 }, { "operator": "ln", "arg_1": "#3", "resp": 0.0007939313284427983 }, { "operator": "divide", "arg_1": "#4", "arg_2": "#5", "resp": 61.45388451307009 }, { "operator": "multiply", "arg_1": "#6", "arg_2": "2.05", "resp": 125.98046325179368 }, { "operator": "round", "arg_1": "#7", "arg_2": "0", "resp": 126 } ], "program": [ "divide(28.99, 100)", "divide(#0, 365)", "divide(100, 2000)", "add(1, #1)", "ln(1.05)", "ln(#3)", "divide(#4, #5)", "multiply(#6, 2.05)", "round(#7, 0)" ], "question_tense": "THIRD", "financial_terms": [ "DAILY PERIODIC RATE", "PURCHASE APR", "ACCOUNT BALANCE", "INTEREST ACCRUAL", "PAYOFF TIME", "BALANCE PAYOFF", "OUTSTANDING BALANCE", "ROUNDING RULE", "365-DAY RATE BASIS", "LOGARITHMIC PAYOFF CALCULATION" ], "credit_card": "GAPCobrand_combined.md" }, { "question": "The credit card agreement specifies that the Easy Pay Payment Amount is calculated as the sum of the monthly installment for the promotional purchase plus any applicable interest charges. If a customer makes $1,200 promotional purchase under an Easy Pay plan with a 12-month repayment term and an APR of 18%, what is their monthly Easy Pay Payment Amount?", "ground_truth": "110.02", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 1, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 1, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "18", "arg_2": "100", "resp": 0.18 }, { "operator": "divide", "arg_1": "#0", "arg_2": "12", "resp": 0.015 }, { "operator": "add", "arg_1": "1", "arg_2": "#1", "resp": 1.015 }, { "operator": "exponent", "arg_1": "#2", "arg_2": "12", "resp": 1.195618 }, { "operator": "multiply", "arg_1": "#1", "arg_2": "#3", "resp": 0.01793427 }, { "operator": "subtract", "arg_1": "#3", "arg_2": "1", "resp": 0.195618 }, { "operator": "divide", "arg_1": "#4", "arg_2": "#5", "resp": 0.09168 }, { "operator": "multiply", "arg_1": "1200", "arg_2": "#6", "resp": 110.016 }, { "operator": "round", "arg_1": "#7", "arg_2": "2", "resp": 110.02 } ], "program": [ "divide(18, 100)", "divide(#0, 12)", "add(1, #1)", "exponent(#2, 12)", "multiply(#1, #3)", "subtract(#3, 1)", "divide(#4, #5)", "multiply(1200, #6)", "round(#7, 2)" ], "question_tense": "THIRD", "financial_terms": [ "PROMOTIONAL APR", "PURCHASE APR", "PAYMENT PLAN", "INTEREST ACCRUAL", "EASY PAY APR", "ROUNDING RULE", "EXPONENTIAL INTEREST CALCULATION", "CHASE CARD TERMS" ], "credit_card": "GAPCobrand_combined.md" }, { "question": "A customer has an outstanding balance of $1,200 and misses their payment deadline, incurring a late fee of $40. If they do not make any payments, how many months will it take for their total amount owed to double due to interest, assuming an APR of 29.24% and daily compounding?", "ground_truth": 28.84, "output_units": "month", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "29.24", "arg_2": "100", "resp": 0.2924 }, { "operator": "divide", "arg_1": "#0", "arg_2": "365", "resp": 0.0008010958904109589 }, { "operator": "ln", "arg_1": "2", "resp": 0.6931471805599453 }, { "operator": "divide", "arg_1": "#2", "arg_2": "#1", "resp": 865.2487035033517 }, { "operator": "divide", "arg_1": "#3", "arg_2": "30", "resp": 28.841623450111726 } ], "program": [ "divide(29.24, 100)", "divide(#0, 365)", "ln(2)", "divide(#2, #1)", "divide(#3, 30)" ], "question_tense": "THIRD", "financial_terms": [ "DAILY PERIODIC RATE", "PURCHASE APR", "LATE PAYMENT FEE", "ACCOUNT BALANCE", "DAILY COMPOUNDING", "PAYOFF TIME", "DAILY COMPOUNDING INTEREST", "OUTSTANDING BALANCE", "365-DAY RATE BASIS", "LOGARITHMIC PAYOFF CALCULATION", "BALANCE DOUBLING TIME" ], "credit_card": "GAPCobrand_combined.md" }, { "question": "A military spouse is considering two credit card offers: Card A has a 39% APR, compounded monthly, with no annual fee. Card B has a 36% APR, compounded monthly, and $50 annual fee. If they expect to carry a balance of $2000 for 12 months before fully repaying it, which card should they choose?", "ground_truth": "Card B", "output_units": "categorical", "input_units": { "from_doc": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 1, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 1, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "0.39", "arg_2": "12", "resp": 0.0325 }, { "operator": "add", "arg_1": "1", "arg_2": "#0", "resp": 1.0325 }, { "operator": "exponent", "arg_1": "#1", "arg_2": "12", "resp": 1.4678467782217908 }, { "operator": "multiply", "arg_1": "2000", "arg_2": "#2", "resp": 2935.6935564435817 }, { "operator": "divide", "arg_1": "0.36", "arg_2": "12", "resp": 0.03 }, { "operator": "add", "arg_1": "1", "arg_2": "#4", "resp": 1.03 }, { "operator": "exponent", "arg_1": "#5", "arg_2": "12", "resp": 1.4257608868461793 }, { "operator": "multiply", "arg_1": "2000", "arg_2": "#6", "resp": 2851.5217736923587 }, { "operator": "add", "arg_1": "#7", "arg_2": "50", "resp": 2901.5217736923587 }, { "operator": "less", "arg_1": "#8", "arg_2": "#3", "resp": "TRUE" }, { "operator": "if", "arg_1": "#9", "arg_2": "Card B", "arg_3": "Card A", "resp": "Card B" } ], "program": [ "divide(0.39, 12)", "add(1, #0)", "exponent(#1, 12)", "multiply(2000, #2)", "divide(0.36, 12)", "add(1, #4)", "exponent(#5, 12)", "multiply(2000, #6)", "add(#7, 50)", "less(#8, #3)", "if(#9, Card B, Card A)" ], "question_tense": "THIRD", "financial_terms": [ "ANNUAL FEE", "MILITARY LENDING APR", "MONTHLY COMPOUNDING", "MONTHLY COMPOUNDING INTEREST", "CARD OPTION COMPARISON", "CONDITIONAL FINANCIAL RULE", "EXPONENTIAL INTEREST CALCULATION", "ANNUALIZED FEE" ], "credit_card": "GAPPrivateLabel_combined.md" }, { "question": "Card A has an APR of the prime rate + 10%, compounded monthly. Card B has a fixed APR of 19%, compounded monthly. If the prime rate is the same as the one mentioned in the credit card statement, and the cardholder has a balance of $4500 for a year, which card would have a lower total interest?", "ground_truth": "Card A", "output_units": "categorical", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 3, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "add", "arg_1": "0.085", "arg_2": "0.10", "resp": 0.185 }, { "operator": "divide", "arg_1": "#0", "arg_2": "12", "resp": 0.015416666666666667 }, { "operator": "add", "arg_1": "1", "arg_2": "#1", "resp": 1.0154166666666666 }, { "operator": "exponent", "arg_1": "#2", "arg_2": "12", "resp": 1.201521232225286 }, { "operator": "multiply", "arg_1": "#3", "arg_2": "4500", "resp": 5406.845545013787 }, { "operator": "divide", "arg_1": "0.19", "arg_2": "12", "resp": 0.015833333333333335 }, { "operator": "add", "arg_1": "1", "arg_2": "#5", "resp": 1.0158333333333334 }, { "operator": "exponent", "arg_1": "#6", "arg_2": "12", "resp": 1.207450998129769 }, { "operator": "multiply", "arg_1": "#7", "arg_2": "4500", "resp": 5433.52949158396 }, { "operator": "less", "arg_1": "#4", "arg_2": "#8", "resp": "TRUE" }, { "operator": "if", "arg_1": "#9", "arg_2": "Card A", "arg_3": "Card B", "resp": "Card A" } ], "program": [ "add(0.085, 0.10)", "divide(#0, 12)", "add(1, #1)", "exponent(#2, 12)", "multiply(#3, 4500)", "divide(0.19, 12)", "add(1, #5)", "exponent(#6, 12)", "multiply(#7, 4500)", "less(#4, #8)", "if(#9, Card A, Card B)" ], "question_tense": "THIRD", "financial_terms": [ "PRIME RATE", "ACCOUNT BALANCE", "MONTHLY COMPOUNDING", "INTEREST ACCRUAL", "MONTHLY COMPOUNDING INTEREST", "CARD OPTION COMPARISON", "CONDITIONAL FINANCIAL RULE", "EXPONENTIAL INTEREST CALCULATION" ], "credit_card": "GAPPrivateLabel_combined.md" }, { "question": "The cardholder has $3000 balance and the cardholder's card has an APR of the prime rate plus a margin, both mentioned in the credit card statement. If the cardholder pays only the minimum payment of $100 a month, can the cardholder pays off the balance in under 18 months?", "ground_truth": "FALSE", "output_units": "binary", "input_units": { "from_doc": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 1, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 1, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "add", "arg_1": "0.085", "arg_2": "0.2274", "resp": 0.3124 }, { "operator": "divide", "arg_1": "#0", "arg_2": "12", "resp": 0.026033333333333335 }, { "operator": "add", "arg_1": "1", "arg_2": "#1", "resp": 1.0260333333333334 }, { "operator": "log10", "arg_1": "#2", "resp": 0.011161470178891691 }, { "operator": "multiply", "arg_1": "3000", "arg_2": "#1", "resp": 78.10000000000001 }, { "operator": "subtract", "arg_1": "100", "arg_2": "#4", "resp": 21.89999999999999 }, { "operator": "divide", "arg_1": "100", "arg_2": "#5", "resp": 4.566210045662102 }, { "operator": "log10", "arg_1": "#6", "resp": 0.6595558851598818 }, { "operator": "divide", "arg_1": "#7", "arg_2": "#3", "resp": 59.09220511176192 }, { "operator": "ceil", "arg_1": "#8", "resp": 60 }, { "operator": "greater", "arg_1": "18", "arg_2": "#9", "resp": "FALSE" } ], "program": [ "add(0.085, 0.2274)", "divide(#0, 12)", "add(1, #1)", "log10(#2)", "multiply(3000, #1)", "subtract(100, #4)", "divide(100, #5)", "log10(#6)", "divide(#7, #3)", "ceil(#8)", "greater(18, #9)" ], "question_tense": "THIRD", "financial_terms": [ "PRIME RATE", "PURCHASE APR", "MINIMUM PAYMENT", "ACCOUNT BALANCE", "PAYOFF TIME", "MINIMUM PAYMENT FORMULA", "BALANCE PAYOFF", "ROUND-UP RULE", "LOGARITHMIC PAYOFF CALCULATION" ], "credit_card": "GAPPrivateLabel_combined.md" }, { "question": "Let's say a credit card company offers cash advances with the following fee structures: Option A has a 4% cash advance fee with a 22% APR, compounded monthly. Option B has $15 flat cash advance fee, with a 26% APR compounded monthly. If the cardholder needs to take out a cash advance of $600 and plan to repay it in three months, which option is better?", "ground_truth": "Option B", "output_units": "categorical", "input_units": { "from_doc": { "%": 3, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 1, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 3, "month": 1, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "600", "arg_2": "0.04", "resp": 24 }, { "operator": "add", "arg_1": "600", "arg_2": "#0", "resp": 624 }, { "operator": "divide", "arg_1": "0.22", "arg_2": "12", "resp": 0.018333333333333333 }, { "operator": "add", "arg_1": "1", "arg_2": "#2", "resp": 1.0183333333333333 }, { "operator": "exponent", "arg_1": "#3", "arg_2": "3", "resp": 1.0560144953703703 }, { "operator": "multiply", "arg_1": "#1", "arg_2": "#4", "resp": 658.953045111111 }, { "operator": "add", "arg_1": "600", "arg_2": "15", "resp": 615 }, { "operator": "divide", "arg_1": "0.26", "arg_2": "12", "resp": 0.021666666666666667 }, { "operator": "add", "arg_1": "1", "arg_2": "#7", "resp": 1.0216666666666667 }, { "operator": "exponent", "arg_1": "#8", "arg_2": "3", "resp": 1.0664185046296297 }, { "operator": "multiply", "arg_1": "#6", "arg_2": "#9", "resp": 655.8473803472223 }, { "operator": "less", "arg_1": "#10", "arg_2": "#5", "resp": "TRUE" }, { "operator": "if", "arg_1": "#11", "arg_2": "Option B", "arg_3": "Option A", "resp": "Option B" } ], "program": [ "multiply(600, 0.04)", "add(600, #0)", "divide(0.22, 12)", "add(1, #2)", "exponent(#3, 3)", "multiply(#1, #4)", "add(600, 15)", "divide(0.26, 12)", "add(1, #7)", "exponent(#8, 3)", "multiply(#6, #9)", "less(#10, #5)", "if(#11, Option B, Option A)" ], "question_tense": "THIRD", "financial_terms": [ "CASH ADVANCE APR", "CASH ADVANCE FEE", "MONTHLY COMPOUNDING", "MONTHLY COMPOUNDING INTEREST", "CARD OPTION COMPARISON", "CONDITIONAL FINANCIAL RULE", "EXPONENTIAL INTEREST CALCULATION" ], "credit_card": "GAPPrivateLabel_combined.md" }, { "question": "Let's say credit card A has a 3% cash advance fee, and a 22% APR compounded monthly. Credit card B has a 5% cash advance fee, and an 18% APR compounded monthly. If the cardholder needs $2500 cash advance and want to pay it off in 3 months, which card is a better option?", "ground_truth": "Card A", "output_units": "categorical", "input_units": { "from_doc": { "%": 4, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 1, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 4, "month": 1, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "0.03", "arg_2": "2500", "resp": 75.0 }, { "operator": "add", "arg_1": "2500", "arg_2": "#0", "resp": 2575.0 }, { "operator": "divide", "arg_1": "0.22", "arg_2": "12", "resp": 0.018333333333333333 }, { "operator": "add", "arg_1": "1", "arg_2": "#2", "resp": 1.0183333333333333 }, { "operator": "exponent", "arg_1": "#3", "arg_2": "3", "resp": 1.0560144953703703 }, { "operator": "multiply", "arg_1": "#1", "arg_2": "#4", "resp": 2719.2373255787033 }, { "operator": "multiply", "arg_1": "0.05", "arg_2": "2500", "resp": 125.0 }, { "operator": "add", "arg_1": "2500", "arg_2": "#6", "resp": 2625.0 }, { "operator": "divide", "arg_1": "0.18", "arg_2": "12", "resp": 0.015 }, { "operator": "add", "arg_1": "1", "arg_2": "#8", "resp": 1.015 }, { "operator": "exponent", "arg_1": "#9", "arg_2": "3", "resp": 1.0456783749999996 }, { "operator": "multiply", "arg_1": "#7", "arg_2": "#10", "resp": 2744.905734374999 }, { "operator": "less", "arg_1": "#5", "arg_2": "#11", "resp": "TRUE" }, { "operator": "if", "arg_1": "#12", "arg_2": "Card A", "arg_3": "Card B", "resp": "Card A" } ], "program": [ "multiply(0.03, 2500)", "add(2500, #0)", "divide(0.22, 12)", "add(1, #2)", "exponent(#3, 3)", "multiply(#1, #4)", "multiply(0.05, 2500)", "add(2500, #6)", "divide(0.18, 12)", "add(1, #8)", "exponent(#9, 3)", "multiply(#7, #10)", "less(#5, #11)", "if(#12, Card A, Card B)" ], "question_tense": "THIRD", "financial_terms": [ "CASH ADVANCE APR", "CASH ADVANCE FEE", "MONTHLY COMPOUNDING", "MONTHLY COMPOUNDING INTEREST", "CARD OPTION COMPARISON", "CONDITIONAL FINANCIAL RULE", "EXPONENTIAL INTEREST CALCULATION" ], "credit_card": "GAPPrivateLabel_combined.md" }, { "question": "Let's say the cardholder is considering transferring $5000 to another card. It has a 3.99% APR, compounded monthly, with a 2% transfer fee. If the cardholder plans to pay $250 per month towards the balance, can the cardholder pays it off in 20 months?", "ground_truth": "FALSE", "output_units": "binary", "input_units": { "from_doc": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 1, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 1, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "5000", "arg_2": "0.02", "resp": 100.0 }, { "operator": "add", "arg_1": "5000", "arg_2": "#0", "resp": 5100.0 }, { "operator": "divide", "arg_1": "0.0399", "arg_2": "12", "resp": 0.003325 }, { "operator": "add", "arg_1": "1", "arg_2": "#2", "resp": 1.003325 }, { "operator": "log10", "arg_1": "#3", "resp": 0.0014416337621754333 }, { "operator": "multiply", "arg_1": "#2", "arg_2": "#1", "resp": 16.9575 }, { "operator": "subtract", "arg_1": "250", "arg_2": "#5", "resp": 233.0425 }, { "operator": "divide", "arg_1": "250", "arg_2": "#6", "resp": 1.072765697244065 }, { "operator": "log10", "arg_1": "#7", "resp": 0.030504878065209778 }, { "operator": "divide", "arg_1": "#8", "arg_2": "#4", "resp": 21.159935945990714 }, { "operator": "ceil", "arg_1": "#9", "resp": 22 }, { "operator": "greater", "arg_1": "20", "arg_2": "#10", "resp": "FALSE" } ], "program": [ "multiply(5000, 0.02)", "add(5000, #0)", "divide(0.0399, 12)", "add(1, #2)", "log10(#3)", "multiply(#2, #1)", "subtract(250, #5)", "divide(250, #6)", "log10(#7)", "divide(#8, #4)", "ceil(#9)", "greater(20, #10)" ], "question_tense": "THIRD", "financial_terms": [ "BALANCE TRANSFER APR", "BALANCE TRANSFER FEE", "ACCOUNT BALANCE", "MONTHLY COMPOUNDING", "MONTHLY COMPOUNDING INTEREST", "MONTHLY PAYMENT", "ROUND-UP RULE", "LOGARITHMIC PAYOFF CALCULATION", "MONTHLY FEE" ], "credit_card": "GAPPrivateLabel_combined.md" }, { "question": "The cardholder is an Iowa resident with a credit card balance of $600 and an APR of 24%, compounded monthly. The cardholder's minimum payment is returned due to insufficient funds, which leads to a returned payment fee of $15. the cardholder makes fixed monthly payments of $50 to pay off the balance. How many months will it take to pay off the balance?", "ground_truth": "15", "output_units": "month", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "0.24", "arg_2": "12", "resp": 0.02 }, { "operator": "add", "arg_1": "600", "arg_2": "15", "resp": 615.0 }, { "operator": "add", "arg_1": "1", "arg_2": "#0", "resp": 1.02 }, { "operator": "log10", "arg_1": "#2", "resp": 0.00860017176191757 }, { "operator": "multiply", "arg_1": "#0", "arg_2": "#1", "resp": 12.3 }, { "operator": "subtract", "arg_1": "50", "arg_2": "#4", "resp": 37.7 }, { "operator": "divide", "arg_1": "50", "arg_2": "#5", "resp": 1.326259946949602 }, { "operator": "log10", "arg_1": "#6", "resp": 0.12262865413022588 }, { "operator": "divide", "arg_1": "#7", "arg_2": "#3", "resp": 14.25886104661746 }, { "operator": "ceil", "arg_1": "#8", "resp": 15 } ], "program": [ "divide(0.24, 12)", "add(600, 15)", "add(1, #0)", "log10(#2)", "multiply(#0, #1)", "subtract(50, #4)", "divide(50, #5)", "log10(#6)", "divide(#7, #3)", "ceil(#8)" ], "question_tense": "THIRD", "financial_terms": [ "RETURNED PAYMENT FEE", "MINIMUM PAYMENT", "ACCOUNT BALANCE", "MONTHLY COMPOUNDING", "PAYOFF TIME", "MINIMUM FEE RULE", "STATE-SPECIFIC RATE CAP", "MONTHLY COMPOUNDING INTEREST", "MONTHLY PAYMENT", "MINIMUM PAYMENT FORMULA", "BALANCE PAYOFF", "FIXED PAYMENT AMORTIZATION", "ROUND-UP RULE", "LOGARITHMIC PAYOFF CALCULATION", "FIXED MONTHLY REPAYMENT", "STATE-SPECIFIC FEE RULE" ], "credit_card": "GAPPrivateLabel_combined.md" }, { "question": "The cardholder is an Iowa resident with a credit card balance of $500 and an APR of 20%. The minimum payment due is $18, but the cardholder miss the due date and incur a late payment fee of $15. the cardholder makes fixed monthly payments of $50 to pay off the balance. How many months will it take to pay off the balance?", "ground_truth": "12", "output_units": "month", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 4, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "0.20", "arg_2": "12", "resp": 0.016666666666666666 }, { "operator": "add", "arg_1": "500", "arg_2": "15", "resp": 515.0 }, { "operator": "add", "arg_1": "1", "arg_2": "#0", "resp": 1.0166666666666666 }, { "operator": "log10", "arg_1": "#2", "resp": 0.007178584627123376 }, { "operator": "multiply", "arg_1": "#0", "arg_2": "#1", "resp": 8.583333333333334 }, { "operator": "subtract", "arg_1": "50", "arg_2": "#4", "resp": 41.416666666666664 }, { "operator": "divide", "arg_1": "50", "arg_2": "#5", "resp": 1.2072434607645877 }, { "operator": "log10", "arg_1": "#6", "resp": 0.08179486165031156 }, { "operator": "divide", "arg_1": "#7", "arg_2": "#3", "resp": 11.394288136028933 }, { "operator": "ceil", "arg_1": "#8", "resp": 12 } ], "program": [ "divide(0.20, 12)", "add(500, 15)", "add(1, #0)", "log10(#2)", "multiply(#0, #1)", "subtract(50, #4)", "divide(50, #5)", "log10(#6)", "divide(#7, #3)", "ceil(#8)" ], "question_tense": "THIRD", "financial_terms": [ "LATE PAYMENT FEE", "MINIMUM PAYMENT", "ACCOUNT BALANCE", "PAYOFF TIME", "MINIMUM FEE RULE", "PAYMENT DUE DATE", "STATE-SPECIFIC RATE CAP", "MONTHLY PAYMENT", "MINIMUM PAYMENT FORMULA", "BALANCE PAYOFF", "FIXED PAYMENT AMORTIZATION", "PAYMENT DUE DATE CALCULATION", "ROUND-UP RULE", "LOGARITHMIC PAYOFF CALCULATION", "MINIMUM PAYMENT DUE", "FIXED MONTHLY REPAYMENT" ], "credit_card": "GAPPrivateLabel_combined.md" }, { "question": "Let's say the cardholder takes out $2500 cash advance on the cardholder's credit card, which has a 24.99% APR compounded monthly and a 5% cash advance fee. If the cardholder plans to pay $300 per month toward this debt, how long will it take to pay off the balance?", "ground_truth": "10", "output_units": "month", "input_units": { "from_doc": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "2500", "arg_2": "0.05", "resp": 125.0 }, { "operator": "add", "arg_1": "2500", "arg_2": "#0", "resp": 2625.0 }, { "operator": "divide", "arg_1": "0.2499", "arg_2": "12", "resp": 0.020825 }, { "operator": "add", "arg_1": "1", "arg_2": "#2", "resp": 1.020825 }, { "operator": "log10", "arg_1": "#3", "resp": 0.008951297377379189 }, { "operator": "multiply", "arg_1": "#2", "arg_2": "#1", "resp": 54.665625 }, { "operator": "subtract", "arg_1": "300", "arg_2": "#5", "resp": 245.334375 }, { "operator": "divide", "arg_1": "300", "arg_2": "#6", "resp": 1.2228208949520425 }, { "operator": "log10", "arg_1": "#7", "resp": 0.08736285112441469 }, { "operator": "divide", "arg_1": "#8", "arg_2": "#4", "resp": 9.759797651811818 }, { "operator": "ceil", "arg_1": "#9", "resp": 10 } ], "program": [ "multiply(2500, 0.05)", "add(2500, #0)", "divide(0.2499, 12)", "add(1, #2)", "log10(#3)", "multiply(#2, #1)", "subtract(300, #5)", "divide(300, #6)", "log10(#7)", "divide(#8, #4)", "ceil(#9)" ], "question_tense": "THIRD", "financial_terms": [ "CASH ADVANCE APR", "CASH ADVANCE FEE", "MONTHLY COMPOUNDING", "PAYOFF TIME", "MONTHLY COMPOUNDING INTEREST", "MONTHLY PAYMENT", "BALANCE PAYOFF", "ROUND-UP RULE", "LOGARITHMIC PAYOFF CALCULATION", "MONTHLY FEE" ], "credit_card": "GAPPrivateLabel_combined.md" }, { "question": "If the cardholder withdraw $3500 using a credit card cash advance which has a 29.99% APR compounded monthly, and a 5% cash advance fee, how long will it take the cardholder to repay the debt if the cardholder decides to pay $250 per month towards the balance?", "ground_truth": "19", "output_units": "month", "input_units": { "from_doc": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "3500", "arg_2": "0.05", "resp": 175.0 }, { "operator": "add", "arg_1": "3500", "arg_2": "#0", "resp": 3675.0 }, { "operator": "divide", "arg_1": "0.2999", "arg_2": "12", "resp": 0.024991666666666666 }, { "operator": "add", "arg_1": "1", "arg_2": "#2", "resp": 1.0249916666666667 }, { "operator": "log10", "arg_1": "#3", "resp": 0.010720334527973645 }, { "operator": "multiply", "arg_1": "#2", "arg_2": "#1", "resp": 91.844375 }, { "operator": "subtract", "arg_1": "250", "arg_2": "#5", "resp": 158.155625 }, { "operator": "divide", "arg_1": "250", "arg_2": "#6", "resp": 1.5807215203379583 }, { "operator": "log10", "arg_1": "#7", "resp": 0.1988553659263491 }, { "operator": "divide", "arg_1": "#8", "arg_2": "#4", "resp": 18.54936200054726 }, { "operator": "ceil", "arg_1": "#9", "resp": 19 } ], "program": [ "multiply(3500, 0.05)", "add(3500, #0)", "divide(0.2999, 12)", "add(1, #2)", "log10(#3)", "multiply(#2, #1)", "subtract(250, #5)", "divide(250, #6)", "log10(#7)", "divide(#8, #4)", "ceil(#9)" ], "question_tense": "THIRD", "financial_terms": [ "CASH ADVANCE APR", "CASH ADVANCE FEE", "MONTHLY COMPOUNDING", "PAYOFF TIME", "MONTHLY COMPOUNDING INTEREST", "MONTHLY PAYMENT", "ROUND-UP RULE", "LOGARITHMIC PAYOFF CALCULATION", "MONTHLY FEE" ], "credit_card": "GAPPrivateLabel_combined.md" }, { "question": "The cardholder has a Bank of America World Elite Mastercard credit card with a starting Penalty APR of 1%, and the APR increases by 15% of its current value each month. How many months will it take for the APR to reach or exceed the maximum Penalty APR of 29.99%?", "ground_truth": "25", "output_units": "month", "input_units": { "from_doc": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 3, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "15", "arg_2": "100", "resp": 0.15 }, { "operator": "add", "arg_1": "1", "arg_2": "#0", "resp": 1.15 }, { "operator": "divide", "arg_1": "29.99", "arg_2": "1", "resp": 29.99 }, { "operator": "ln", "arg_1": "#2", "resp": 3.4008639927609177 }, { "operator": "ln", "arg_1": "#1", "resp": 0.13976194237515863 }, { "operator": "divide", "arg_1": "#3", "arg_2": "#4", "resp": 24.33326222407588 }, { "operator": "ceil", "arg_1": "#5", "resp": 25 } ], "program": [ "divide(15, 100)", "add(1, #0)", "divide(29.99, 1)", "ln(#2)", "ln(#1)", "divide(#3, #4)", "ceil(#5)" ], "question_tense": "THIRD", "financial_terms": [ "PENALTY APR", "PAYOFF TIME", "APR CHANGE", "ROUND-UP RULE", "LOGARITHMIC PAYOFF CALCULATION", "BANK OF AMERICA CARD TERMS", "PERCENTAGE-BASED FEE" ], "credit_card": "Mastercard_Elite_English-290256.md" }, { "question": "The cardholder has a utility bill due with a minimum payment requirement of $75 on the cardholder's Bank of America World Elite Mastercard. If the cardholder's current balance is $98, will there be a late fee added to the cardholder's bill?", "ground_truth": "TRUE", "output_units": "binary", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "greater", "arg_1": "75", "arg_2": "98", "resp": "FALSE" }, { "operator": "if", "arg_1": "#0", "arg_2": "FALSE", "arg_3": "TRUE", "resp": "TRUE" } ], "program": [ "greater(75, 98)", "if(#0, FALSE, TRUE)" ], "question_tense": "THIRD", "financial_terms": [ "LATE PAYMENT FEE", "MINIMUM PAYMENT", "ACCOUNT BALANCE", "MINIMUM FEE RULE", "MINIMUM PAYMENT FORMULA", "CURRENT BALANCE", "CONDITIONAL FINANCIAL RULE", "BANK OF AMERICA CARD TERMS" ], "credit_card": "Mastercard_Elite_English-290256.md" }, { "question": "If I have a balance of $92.5 in my balance will I incur a late fee on my Bank of America World Elite Mastercard?", "ground_truth": "TRUE", "output_units": "binary", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "1", "arg_2": "100", "resp": 0.01 }, { "operator": "multiply", "arg_1": "92.5", "arg_2": "#0", "resp": 0.925 }, { "operator": "max", "arg_1": "#1", "arg_2": "35", "resp": 35.0 }, { "operator": "greater", "arg_1": "#2", "arg_2": "92.5", "resp": "FALSE" }, { "operator": "if", "arg_1": "#3", "arg_2": "FALSE", "arg_3": "TRUE", "resp": "TRUE" } ], "program": [ "divide(1, 100)", "multiply(92.5, #0)", "max(#1, 35)", "greater(#2, 92.5)", "if(#3, FALSE, TRUE)" ], "question_tense": "FIRST", "financial_terms": [ "LATE PAYMENT FEE", "MAXIMUM SELECTION", "CONDITIONAL FINANCIAL RULE", "BANK OF AMERICA CARD TERMS" ], "credit_card": "Mastercard_Elite_English-290256.md" }, { "question": "If I have a balence of 107$ in my balence will I incur a late fee on my Bank of America World Elite Mastercard?", "ground_truth": "TRUE", "output_units": "binary", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "1", "arg_2": "100", "resp": 0.01 }, { "operator": "multiply", "arg_1": "107", "arg_2": "#0", "resp": 1.07 }, { "operator": "max", "arg_1": "#1", "arg_2": "35", "resp": 35.0 }, { "operator": "greater", "arg_1": "#2", "arg_2": "107", "resp": "FALSE" }, { "operator": "if", "arg_1": "#3", "arg_2": "FALSE", "arg_3": "TRUE", "resp": "TRUE" } ], "program": [ "divide(1, 100)", "multiply(107, #0)", "max(#1, 35)", "greater(#2, 107)", "if(#3, FALSE, TRUE)" ], "question_tense": "FIRST", "financial_terms": [ "LATE PAYMENT FEE", "MAXIMUM SELECTION", "CONDITIONAL FINANCIAL RULE", "BANK OF AMERICA CARD TERMS" ], "credit_card": "Mastercard_Elite_English-290256.md" }, { "question": "The cardholder needs $300 in cash immediately and decide to use the cardholder's Bank of America World Elite Mastercard card for a Same-Day Online Cash Advance, which charges a 5% fee and has a cash advance APR of 28.74%. If the cardholder does not pay the full balance immediately, what percentage of the total amount owed after 1 month will be the fee?", "ground_truth": "4.65", "output_units": "%", "input_units": { "from_doc": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "5", "arg_2": "100", "resp": 0.05 }, { "operator": "multiply", "arg_1": "300", "arg_2": "#0", "resp": 15.0 }, { "operator": "add", "arg_1": "300", "arg_2": "#1", "resp": 315.0 }, { "operator": "divide", "arg_1": "28.74", "arg_2": "100", "resp": 0.2874 }, { "operator": "divide", "arg_1": "#3", "arg_2": "12", "resp": 0.02395 }, { "operator": "multiply", "arg_1": "#2", "arg_2": "#4", "resp": 7.54425 }, { "operator": "add", "arg_1": "#2", "arg_2": "#5", "resp": 322.54425 }, { "operator": "divide", "arg_1": "#1", "arg_2": "#6", "resp": 0.046515 }, { "operator": "multiply", "arg_1": "#7", "arg_2": "100", "resp": 4.6515 }, { "operator": "round", "arg_1": "#8", "arg_2": "2", "resp": 4.65 } ], "program": [ "divide(5, 100)", "multiply(300, #0)", "add(300, #1)", "divide(28.74, 100)", "divide(#3, 12)", "multiply(#2, #4)", "add(#2, #5)", "divide(#1, #6)", "multiply(#7, 100)", "round(#8, 2)" ], "question_tense": "THIRD", "financial_terms": [ "CASH ADVANCE APR", "CASH ADVANCE FEE", "PERCENTAGE CALCULATION", "ROUNDING RULE", "BANK OF AMERICA CARD TERMS", "PERCENTAGE-BASED FEE", "SAME-DAY ONLINE CASH ADVANCE" ], "credit_card": "Mastercard_Elite_English-290256.md" }, { "question": "The cardholder uses a check to cash advance $800 from the cardholder's Bank of America World Elite Mastercard credit card, which charges a Check Cash Advance fee of 5% of the transaction. The cash advance APR is 28.74%. If the cardholder does not pay the full balance immediately, what percentage of the total amount owed after one month will be the fee?", "ground_truth": "4.65", "output_units": "%", "input_units": { "from_doc": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "5", "arg_2": "100", "resp": 0.05 }, { "operator": "multiply", "arg_1": "800", "arg_2": "#0", "resp": 40.0 }, { "operator": "add", "arg_1": "800", "arg_2": "#1", "resp": 840.0 }, { "operator": "divide", "arg_1": "28.74", "arg_2": "100", "resp": 0.2874 }, { "operator": "divide", "arg_1": "#3", "arg_2": "12", "resp": 0.02395 }, { "operator": "multiply", "arg_1": "#2", "arg_2": "#4", "resp": 20.118 }, { "operator": "add", "arg_1": "#2", "arg_2": "#5", "resp": 860.118 }, { "operator": "divide", "arg_1": "#1", "arg_2": "#6", "resp": 0.046505246954487635 }, { "operator": "multiply", "arg_1": "#7", "arg_2": "100", "resp": 4.650524695448763 }, { "operator": "round", "arg_1": "#8", "arg_2": "2", "resp": 4.65 } ], "program": [ "divide(5, 100)", "multiply(800, #0)", "add(800, #1)", "divide(28.74, 100)", "divide(#3, 12)", "multiply(#2, #4)", "add(#2, #5)", "divide(#1, #6)", "multiply(#7, 100)", "round(#8, 2)" ], "question_tense": "THIRD", "financial_terms": [ "CASH ADVANCE APR", "CASH ADVANCE FEE", "CONVENIENCE CHECK", "PERCENTAGE CALCULATION", "ROUNDING RULE", "BANK OF AMERICA CARD TERMS", "PERCENTAGE-BASED FEE" ], "credit_card": "Mastercard_Elite_English-290256.md" }, { "question": "The cardholder wants to make a balance transfer of $500 from the cardholder's credit card, which charges a Balance Transfer Fee of 3% of the transaction. The cardholder's minimum payment is $25. Will the cardholder's next minimum payment be bigger than the fees the cardholder paid for the transfer?", "ground_truth": "TRUE", "output_units": "binary", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "3", "arg_2": "100", "resp": 0.03 }, { "operator": "multiply", "arg_1": "500", "arg_2": "#0", "resp": 15.0 }, { "operator": "greater", "arg_1": "25", "arg_2": "#1", "resp": "TRUE" } ], "program": [ "divide(3, 100)", "multiply(500, #0)", "greater(25, #1)" ], "question_tense": "THIRD", "financial_terms": [ "BALANCE TRANSFER FEE", "MINIMUM PAYMENT", "ACCOUNT BALANCE", "MINIMUM FEE RULE", "MINIMUM PAYMENT FORMULA", "PERCENTAGE-BASED FEE", "BALANCE TRANSFER MINIMUM FEE" ], "credit_card": "Mastercard_Elite_English-290256.md" }, { "question": "If the cardholder transfers $2,000 in debt to the cardholder's card and the APR is 22% and the cardholder pays off the debt in 2 months, how much will the cardholder pays in total, including interest on the cardholder's Bank of America World Elite Mastercard?", "ground_truth": "2073.33", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 1, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 1, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "22", "arg_2": "100", "resp": 0.22 }, { "operator": "divide", "arg_1": "#0", "arg_2": "12", "resp": 0.018333333333333333 }, { "operator": "multiply", "arg_1": "#1", "arg_2": "2", "resp": 0.03666666666666667 }, { "operator": "multiply", "arg_1": "2000", "arg_2": "#2", "resp": 73.33333333333333 }, { "operator": "add", "arg_1": "2000", "arg_2": "#3", "resp": 2073.3333333333335 }, { "operator": "round", "arg_1": "#4", "arg_2": "2", "resp": 2073.33 } ], "program": [ "divide(22, 100)", "divide(#0, 12)", "multiply(#1, 2)", "multiply(2000, #2)", "add(2000, #3)", "round(#4, 2)" ], "question_tense": "THIRD", "financial_terms": [ "BALANCE TRANSFER APR", "PAYOFF TIME", "BALANCE PAYOFF", "ROUNDING RULE", "BANK OF AMERICA CARD TERMS", "INTEREST OWED" ], "credit_card": "Mastercard_Elite_English-290256.md" }, { "question": "If the APR for cash advances is 28.74% and the cardholder takes a same-day online cash advance of $500, what percentage of the balance would the interest represent after one month, assuming monthly compounding on a Bank of America World Elite Mastercard?", "ground_truth": "2.40", "output_units": "%", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "28.74", "arg_2": "12", "resp": 2.395 }, { "operator": "round", "arg_1": "#0", "arg_2": "2", "resp": 2.4 } ], "program": [ "divide(28.74, 12)", "round(#0, 2)" ], "question_tense": "THIRD", "financial_terms": [ "CASH ADVANCE APR", "ACCOUNT BALANCE", "MONTHLY COMPOUNDING", "PERCENTAGE CALCULATION", "MONTHLY COMPOUNDING INTEREST", "ROUNDING RULE", "BANK OF AMERICA CARD TERMS", "SAME-DAY ONLINE CASH ADVANCE" ], "credit_card": "Mastercard_Elite_English-290256.md" }, { "question": "I have two outstanding loans: one of $200 and one of $300. Because I’m very poor at paying back my credit card company, they charge me the maximum APR. If I make $20 payments per month on the $200 loan and $15 per month on the $300 loan, how much total interest will I pay on both loans over the repayment period? Assume that all fees and interest are added at the end of each 30-day billing cycle, and that the new minimum payment each month is calculated solely from the updated balance (with no special payment obligations)?", "ground_truth": "153.57", "output_units": "$", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 4, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 4, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "29.99", "arg_2": "365", "resp": 0.08216438356164384 }, { "operator": "divide", "arg_1": "#0", "arg_2": "100", "resp": 0.0008216438356164384 }, { "operator": "add", "arg_1": "1", "arg_2": "#1", "resp": 1.0008216438356163 }, { "operator": "exponent", "arg_1": "#2", "arg_2": "30", "resp": 1.0249452475436964 }, { "operator": "subtract", "arg_1": "#3", "arg_2": "1", "resp": 0.024945247543696425 }, { "operator": "multiply", "arg_1": "#4", "arg_2": "200", "resp": 4.989049508739285 }, { "operator": "divide", "arg_1": "#5", "arg_2": "20", "resp": 0.24945247543696425 }, { "operator": "subtract", "arg_1": "1", "arg_2": "#6", "resp": 0.7505475245630358 }, { "operator": "ln", "arg_1": "#7", "arg_2": "1", "resp": -0.2869523060453563 }, { "operator": "ln", "arg_1": "#3", "arg_2": "1", "resp": 0.024639194133091045 }, { "operator": "subtract", "arg_1": "0", "arg_2": "#8", "resp": 0.2869523060453563 }, { "operator": "divide", "arg_1": "#10", "arg_2": "#9", "resp": 11.646172536948857 }, { "operator": "multiply", "arg_1": "20", "arg_2": "#11", "resp": 232.92345073897712 }, { "operator": "subtract", "arg_1": "#12", "arg_2": "200", "resp": 32.923450738977124 }, { "operator": "multiply", "arg_1": "#4", "arg_2": "300", "resp": 7.4835742631089275 }, { "operator": "divide", "arg_1": "#14", "arg_2": "15", "resp": 0.4989049508739285 }, { "operator": "subtract", "arg_1": "1", "arg_2": "#15", "resp": 0.5010950491260715 }, { "operator": "ln", "arg_1": "#16", "arg_2": "1", "resp": -0.6909594770770967 }, { "operator": "subtract", "arg_1": "0", "arg_2": "#17", "resp": 0.6909594770770967 }, { "operator": "divide", "arg_1": "#18", "arg_2": "#9", "resp": 28.04310373727366 }, { "operator": "multiply", "arg_1": "15", "arg_2": "#19", "resp": 420.6465560591049 }, { "operator": "subtract", "arg_1": "#20", "arg_2": "300", "resp": 120.64655605910491 }, { "operator": "add", "arg_1": "#13", "arg_2": "#21", "resp": 153.57000679808203 } ], "program": [ "divide(29.99, 365)", "divide(#0, 100)", "add(1, #1)", "exponent(#2, 30)", "subtract(#3, 1)", "multiply(#4, 200)", "divide(#5, 20)", "subtract(1, #6)", "ln(#7, 1)", "ln(#3, 1)", "subtract(0, #8)", "divide(#10, #9)", "multiply(20, #11)", "subtract(#12, 200)", "multiply(#4, 300)", "divide(#14, 15)", "subtract(1, #15)", "ln(#16, 1)", "subtract(0, #17)", "divide(#18, #9)", "multiply(15, #19)", "subtract(#20, 300)", "add(#13, #21)" ], "question_tense": "FIRST", "financial_terms": [ "PENALTY APR", "MINIMUM PAYMENT", "ACCOUNT BALANCE", "BILLING CYCLE", "INTEREST ACCRUAL", "MINIMUM FEE RULE", "MAXIMUM APR TEST", "BILLING-CYCLE INTEREST", "MONTHLY PAYMENT", "MINIMUM PAYMENT FORMULA", "LOAN REPAYMENT", "365-DAY RATE BASIS", "LOGARITHMIC PAYOFF CALCULATION", "EXPONENTIAL INTEREST CALCULATION", "MONTHLY FEE" ], "credit_card": "Starbucks Rewards Visa Signature Agreement.pdf-255606.md" }, { "question": "\"I withdrew $1000 from my credit card using an ATM. Assuming I am charged the minimum Cash Advance APR, and that all fees and interest are added at the end of each 30-day billing cycle, will I be able to pay it off in one year if I make $100 payments each month? check the question and give me the script\"?", "ground_truth": "TRUE", "output_units": "binary", "input_units": { "from_doc": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "1000", "arg_2": "0.05", "resp": 50.0 }, { "operator": "max", "arg_1": "10", "arg_2": "#0", "resp": 50.0 }, { "operator": "add", "arg_1": "1000", "arg_2": "#1", "resp": 1050.0 }, { "operator": "divide", "arg_1": "24.99", "arg_2": "365", "resp": 0.06846575342465754 }, { "operator": "divide", "arg_1": "#3", "arg_2": "100", "resp": 0.0006846575342465753 }, { "operator": "add", "arg_1": "1", "arg_2": "#4", "resp": 1.0006846575342465 }, { "operator": "exponent", "arg_1": "#5", "arg_2": "30", "resp": 1.020744943909586 }, { "operator": "subtract", "arg_1": "#6", "arg_2": "1", "resp": 0.020744943909585922 }, { "operator": "multiply", "arg_1": "#7", "arg_2": "#2", "resp": 21.78219110506522 }, { "operator": "divide", "arg_1": "#8", "arg_2": "100", "resp": 0.21782191105065218 }, { "operator": "subtract", "arg_1": "1", "arg_2": "#9", "resp": 0.7821780889493478 }, { "operator": "ln", "arg_1": "#10", "arg_2": "1", "resp": -0.2456728291352119 }, { "operator": "add", "arg_1": "1", "arg_2": "#7", "resp": 1.020744943909586 }, { "operator": "ln", "arg_1": "#12", "arg_2": "1", "resp": 0.02053269789603322 }, { "operator": "subtract", "arg_1": "0", "arg_2": "#11", "resp": 0.2456728291352119 }, { "operator": "divide", "arg_1": "#14", "arg_2": "#13", "resp": 11.964956109478154 }, { "operator": "less_equal", "arg_1": "#15", "arg_2": "12", "resp": "TRUE" } ], "program": [ "multiply(1000, 0.05)", "max(10, #0)", "add(1000, #1)", "divide(24.99, 365)", "divide(#3, 100)", "add(1, #4)", "exponent(#5, 30)", "subtract(#6, 1)", "multiply(#7, #2)", "divide(#8, 100)", "subtract(1, #9)", "ln(#10, 1)", "add(1, #7)", "ln(#12, 1)", "subtract(0, #11)", "divide(#14, #13)", "less_equal(#15, 12)" ], "question_tense": "FIRST", "financial_terms": [ "CASH ADVANCE APR", "CASH ADVANCE FEE", "BILLING CYCLE", "MINIMUM FEE RULE", "ATM CASH ADVANCE", "BILLING-CYCLE INTEREST", "365-DAY RATE BASIS", "MAXIMUM SELECTION", "LOGARITHMIC PAYOFF CALCULATION", "EXPONENTIAL INTEREST CALCULATION" ], "credit_card": "Starbucks Rewards Visa Signature Agreement.pdf-255606.md" }, { "question": "If I have 2000 dollars of balance on my credit card account and I pay it off 400 dollars a month will I accumluate over 200 dollars of interest?", "ground_truth": "FALSE", "output_units": "binary", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "29.99", "arg_2": "100", "resp": 0.2999 }, { "operator": "divide", "arg_1": "#0", "arg_2": "365", "resp": 0.0008216438356164384 }, { "operator": "add", "arg_1": "1", "arg_2": "#1", "resp": 1.0008216438356163 }, { "operator": "exponent", "arg_1": "#2", "arg_2": "30", "resp": 1.0249452475436964 }, { "operator": "subtract", "arg_1": "#3", "arg_2": "1", "resp": 0.024945247543696425 }, { "operator": "multiply", "arg_1": "#4", "arg_2": "2000", "resp": 49.89049508739285 }, { "operator": "subtract", "arg_1": "400", "arg_2": "#5", "resp": 350.1095049126071 }, { "operator": "divide", "arg_1": "400", "arg_2": "#6", "resp": 1.142499687633006 }, { "operator": "ln", "arg_1": "#7", "arg_2": "1", "resp": 0.13321857037962606 }, { "operator": "add", "arg_1": "1", "arg_2": "#4", "resp": 1.0249452475436964 }, { "operator": "ln", "arg_1": "#9", "arg_2": "1", "resp": 0.024639194133091045 }, { "operator": "divide", "arg_1": "#8", "arg_2": "#10", "resp": 5.406774655860609 }, { "operator": "ceil", "arg_1": "#11", "arg_2": "1", "resp": 6 }, { "operator": "subtract", "arg_1": "#12", "arg_2": "1", "resp": 5 }, { "operator": "exponent", "arg_1": "#9", "arg_2": "#13", "resp": 1.1311060628369602 }, { "operator": "subtract", "arg_1": "#14", "arg_2": "1", "resp": 0.13110606283696025 }, { "operator": "divide", "arg_1": "#15", "arg_2": "#4", "resp": 5.255753129220411 }, { "operator": "multiply", "arg_1": "400", "arg_2": "#16", "resp": 2102.3012516881645 }, { "operator": "multiply", "arg_1": "2000", "arg_2": "#14", "resp": 2262.2121256739206 }, { "operator": "subtract", "arg_1": "#18", "arg_2": "#17", "resp": 159.9108739857561 }, { "operator": "multiply", "arg_1": "#19", "arg_2": "#9", "resp": 163.89989032225964 }, { "operator": "multiply", "arg_1": "400", "arg_2": "#13", "resp": 2000 }, { "operator": "add", "arg_1": "#21", "arg_2": "#20", "resp": 2163.8998903222596 }, { "operator": "subtract", "arg_1": "#22", "arg_2": "2000", "resp": 163.89989032225958 }, { "operator": "greater", "arg_1": "#23", "arg_2": "200", "resp": "FALSE" } ], "program": [ "divide(29.99, 100)", "divide(#0, 365)", "add(1, #1)", "exponent(#2, 30)", "subtract(#3, 1)", "multiply(#4, 2000)", "subtract(400, #5)", "divide(400, #6)", "ln(#7, 1)", "add(1, #4)", "ln(#9, 1)", "divide(#8, #10)", "ceil(#11, 1)", "subtract(#12, 1)", "exponent(#9, #13)", "subtract(#14, 1)", "divide(#15, #4)", "multiply(400, #16)", "multiply(2000, #14)", "subtract(#18, #17)", "multiply(#19, #9)", "multiply(400, #13)", "add(#21, #20)", "subtract(#22, 2000)", "greater(#23, 200)" ], "question_tense": "FIRST", "financial_terms": [ "ACCOUNT BALANCE", "ROUND-UP RULE", "365-DAY RATE BASIS", "LOGARITHMIC PAYOFF CALCULATION", "EXPONENTIAL INTEREST CALCULATION" ], "credit_card": "Starbucks Rewards Visa Signature Agreement.pdf-255606.md" }, { "question": "If I tranfer a debt of $281 to this card at the start of the month, will I be able to pay off the balance at $5 per month? Assume that I will pay the upper bound of APR specified in the credit card agreement?", "ground_truth": "TRUE", "output_units": "binary", "input_units": { "from_doc": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "add", "arg_1": "281", "arg_2": "0", "resp": 281.0 }, { "operator": "add", "arg_1": "5.0", "arg_2": "0", "resp": 5.0 }, { "operator": "add", "arg_1": "19.99", "arg_2": "0", "resp": 19.99 }, { "operator": "add", "arg_1": "5", "arg_2": "0", "resp": 5.0 }, { "operator": "add", "arg_1": "5.00", "arg_2": "0", "resp": 5.0 }, { "operator": "divide", "arg_1": "#3", "arg_2": "100", "resp": 0.05 }, { "operator": "multiply", "arg_1": "#0", "arg_2": "#5", "resp": 14.05 }, { "operator": "max", "arg_1": "#6", "arg_2": "#4", "resp": 14.05 }, { "operator": "add", "arg_1": "#0", "arg_2": "#7", "resp": 295.05 }, { "operator": "divide", "arg_1": "#2", "arg_2": "36500", "resp": 0.0005476712328767123 }, { "operator": "add", "arg_1": "1", "arg_2": "#9", "resp": 1.0005476712328767 }, { "operator": "exponent", "arg_1": "#10", "arg_2": "30", "resp": 1.016561281941421 }, { "operator": "subtract", "arg_1": "#11", "arg_2": "1", "resp": 0.01656128194142092 }, { "operator": "multiply", "arg_1": "#8", "arg_2": "#12", "resp": 4.886406236816244 }, { "operator": "greater", "arg_1": "#1", "arg_2": "#13", "resp": "TRUE" }, { "operator": "if", "arg_1": "#14", "arg_2": "Yes", "resp": "TRUE" } ], "program": [ "add(281, 0)", "add(5.0, 0)", "add(19.99, 0)", "add(5, 0)", "add(5.00, 0)", "divide(#3, 100)", "multiply(#0, #5)", "max(#6, #4)", "add(#0, #7)", "divide(#2, 36500)", "add(1, #9)", "exponent(#10, 30)", "subtract(#11, 1)", "multiply(#8, #12)", "greater(#1, #13)", "if(#14, Yes)" ], "question_tense": "FIRST", "financial_terms": [ "BALANCE TRANSFER APR", "PAYOFF TIME", "MONTHLY PAYMENT", "BALANCE PAYOFF", "365-DAY RATE BASIS", "MAXIMUM SELECTION", "CONDITIONAL FINANCIAL RULE", "EXPONENTIAL INTEREST CALCULATION" ], "credit_card": "Starbucks Rewards Visa Signature Agreement.pdf-255606.md" }, { "question": "How many days can I leave my $500 cash advance unpaid before it exceeds $75 in interest? Assume that I will pay the upper bound of DPR specified in the credit card agreement?", "ground_truth": "110", "output_units": "day", "input_units": { "from_doc": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "add", "arg_1": "500", "arg_2": "10", "resp": 510 }, { "operator": "divide", "arg_1": "5", "arg_2": "100", "resp": 0.05 }, { "operator": "add", "arg_1": "1", "arg_2": "#1", "resp": 1.05 }, { "operator": "multiply", "arg_1": "#2", "arg_2": "500", "resp": 525.0 }, { "operator": "max", "arg_1": "#3", "arg_2": "#0", "resp": 525.0 }, { "operator": "add", "arg_1": "500", "arg_2": "75", "resp": 575 }, { "operator": "divide", "arg_1": "#5", "arg_2": "#4", "resp": 1.0952380952380953 }, { "operator": "divide", "arg_1": "0.08217", "arg_2": "100", "resp": 0.0008217000000000001 }, { "operator": "add", "arg_1": "1", "arg_2": "#7", "resp": 1.0008217 }, { "operator": "ln", "arg_1": "#6", "arg_2": "1", "resp": 0.09097177820572679 }, { "operator": "ln", "arg_1": "#8", "arg_2": "1", "resp": 0.0008213625893758143 }, { "operator": "divide", "arg_1": "#9", "arg_2": "#10", "resp": 110.75714840489609 }, { "operator": "ceil", "arg_1": "#11", "arg_2": "1", "resp": 111 }, { "operator": "subtract", "arg_1": "#12", "arg_2": "1", "resp": 110 } ], "program": [ "add(500, 10)", "divide(5, 100)", "add(1, #1)", "multiply(#2, 500)", "max(#3, #0)", "add(500, 75)", "divide(#5, #4)", "divide(0.08217, 100)", "add(1, #7)", "ln(#6, 1)", "ln(#8, 1)", "divide(#9, #10)", "ceil(#11, 1)", "subtract(#12, 1)" ], "question_tense": "FIRST", "financial_terms": [ "DAILY PERIODIC RATE", "CASH ADVANCE APR", "PAYOFF TIME", "ROUND-UP RULE", "MAXIMUM SELECTION", "LOGARITHMIC PAYOFF CALCULATION" ], "credit_card": "Starbucks Rewards Visa Signature Agreement.pdf-255606.md" }, { "question": "If my purchase has accumulated an interest of just above 20.49%, has it been left unpaid for more than a year? Assume that I will pay the lower bound of DPR specified in the credit card agreement?", "ground_truth": "TRUE", "output_units": "binary", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "20.49", "arg_2": "100", "resp": 0.20489999999999997 }, { "operator": "add", "arg_1": "1", "arg_2": "#0", "resp": 1.2048999999999999 }, { "operator": "divide", "arg_1": "0.04381", "arg_2": "100", "resp": 0.0004381 }, { "operator": "add", "arg_1": "1", "arg_2": "#2", "resp": 1.0004381 }, { "operator": "ln", "arg_1": "#1", "arg_2": "1", "resp": 0.18639657594709358 }, { "operator": "ln", "arg_1": "#3", "arg_2": "1", "resp": 0.0004380040622142034 }, { "operator": "divide", "arg_1": "#4", "arg_2": "#5", "resp": 425.55901195258184 }, { "operator": "ceil", "arg_1": "#6", "arg_2": "1", "resp": 426 }, { "operator": "multiply", "arg_1": "1", "arg_2": "365", "resp": 365 }, { "operator": "greater", "arg_1": "#7", "arg_2": "#8", "resp": "TRUE" } ], "program": [ "divide(20.49, 100)", "add(1, #0)", "divide(0.04381, 100)", "add(1, #2)", "ln(#1, 1)", "ln(#3, 1)", "divide(#4, #5)", "ceil(#6, 1)", "multiply(1, 365)", "greater(#7, #8)" ], "question_tense": "FIRST", "financial_terms": [ "DAILY PERIODIC RATE", "PURCHASE APR", "ROUND-UP RULE", "365-DAY RATE BASIS", "LOGARITHMIC PAYOFF CALCULATION", "CHASE CARD TERMS" ], "credit_card": "Starbucks Rewards Visa Signature Agreement.pdf-255606.md" }, { "question": "Say I have a loan for 5432 dollars. I intend to pay back 500 dollars a month. How much more would I pay in total including interest if I were to have the Max APR that can be applied vs the current APR of 18.49%? Answer as the percent difference between the two?", "ground_truth": "7.114094357727724", "output_units": "%", "input_units": { "from_doc": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "add", "arg_1": "5432", "arg_2": "0", "resp": 5432.0 }, { "operator": "add", "arg_1": "500", "arg_2": "0", "resp": 500.0 }, { "operator": "add", "arg_1": "18.49", "arg_2": "0", "resp": 18.49 }, { "operator": "add", "arg_1": "29.99", "arg_2": "0", "resp": 29.99 }, { "operator": "divide", "arg_1": "#2", "arg_2": "100", "resp": 0.18489999999999998 }, { "operator": "divide", "arg_1": "#4", "arg_2": "12", "resp": 0.015408333333333331 }, { "operator": "multiply", "arg_1": "#5", "arg_2": "#0", "resp": 83.69806666666665 }, { "operator": "subtract", "arg_1": "#1", "arg_2": "#6", "resp": 416.30193333333335 }, { "operator": "divide", "arg_1": "#1", "arg_2": "#7", "resp": 1.2010513523117596 }, { "operator": "ln", "arg_1": "#8", "arg_2": "1", "resp": 0.18319730014524935 }, { "operator": "add", "arg_1": "1", "arg_2": "#5", "resp": 1.0154083333333332 }, { "operator": "ln", "arg_1": "#10", "arg_2": "1", "resp": 0.015290830443839417 }, { "operator": "divide", "arg_1": "#9", "arg_2": "#11", "resp": 11.980860085925446 }, { "operator": "multiply", "arg_1": "#12", "arg_2": "#1", "resp": 5990.430042962723 }, { "operator": "divide", "arg_1": "#3", "arg_2": "100", "resp": 0.2999 }, { "operator": "divide", "arg_1": "#14", "arg_2": "12", "resp": 0.024991666666666666 }, { "operator": "multiply", "arg_1": "#15", "arg_2": "#0", "resp": 135.75473333333332 }, { "operator": "subtract", "arg_1": "#1", "arg_2": "#16", "resp": 364.2452666666667 }, { "operator": "divide", "arg_1": "#1", "arg_2": "#17", "resp": 1.3727014343265773 }, { "operator": "ln", "arg_1": "#18", "arg_2": "1", "resp": 0.316780648169356 }, { "operator": "add", "arg_1": "1", "arg_2": "#15", "resp": 1.0249916666666667 }, { "operator": "ln", "arg_1": "#20", "arg_2": "1", "resp": 0.024684482476021473 }, { "operator": "divide", "arg_1": "#19", "arg_2": "#21", "resp": 12.83318977730552 }, { "operator": "multiply", "arg_1": "#22", "arg_2": "#1", "resp": 6416.59488865276 }, { "operator": "subtract", "arg_1": "#23", "arg_2": "#13", "resp": 426.1648456900375 }, { "operator": "divide", "arg_1": "#24", "arg_2": "#13", "resp": 0.07114094357727724 }, { "operator": "multiply", "arg_1": "#25", "arg_2": "100", "resp": 7.114094357727724 } ], "program": [ "add(5432, 0)", "add(500, 0)", "add(18.49, 0)", "add(29.99, 0)", "divide(#2, 100)", "divide(#4, 12)", "multiply(#5, #0)", "subtract(#1, #6)", "divide(#1, #7)", "ln(#8, 1)", "add(1, #5)", "ln(#10, 1)", "divide(#9, #11)", "multiply(#12, #1)", "divide(#3, 100)", "divide(#14, 12)", "multiply(#15, #0)", "subtract(#1, #16)", "divide(#1, #17)", "ln(#18, 1)", "add(1, #15)", "ln(#20, 1)", "divide(#19, #21)", "multiply(#22, #1)", "subtract(#23, #13)", "divide(#24, #13)", "multiply(#25, 100)" ], "question_tense": "FIRST", "financial_terms": [ "PENALTY APR", "PERCENTAGE CALCULATION", "FINANCIAL DIFFERENCE", "PERCENT DIFFERENCE", "LOAN REPAYMENT", "LOGARITHMIC PAYOFF CALCULATION" ], "credit_card": "Starbucks Rewards Visa Signature Agreement.pdf-255606.md" }, { "question": "II spent 250 pounds in the UK using my credit card. How long would it take me to pay off the balance on my credit card at $80 per month? Answer in months. Assume 1 pound is 1.29 dollars. Assume that I will pay the lower bound of APR specified in the credit card agreement?", "ground_truth": "5.0", "output_units": "month", "input_units": { "from_doc": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 2 }, "total": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 2 } }, "steps": [ { "operator": "add", "arg_1": "250", "arg_2": "0", "resp": 250.0 }, { "operator": "add", "arg_1": "1.29", "arg_2": "0", "resp": 1.29 }, { "operator": "multiply", "arg_1": "#0", "arg_2": "#1", "resp": 322.5 }, { "operator": "add", "arg_1": "3", "arg_2": "0", "resp": 3.0 }, { "operator": "divide", "arg_1": "#3", "arg_2": "100", "resp": 0.03 }, { "operator": "multiply", "arg_1": "#2", "arg_2": "#4", "resp": 9.674999999999999 }, { "operator": "add", "arg_1": "#2", "arg_2": "#5", "resp": 332.175 }, { "operator": "add", "arg_1": "20.49", "arg_2": "0", "resp": 20.49 }, { "operator": "divide", "arg_1": "#7", "arg_2": "100", "resp": 0.20489999999999997 }, { "operator": "divide", "arg_1": "#8", "arg_2": "12", "resp": 0.017074999999999996 }, { "operator": "multiply", "arg_1": "#9", "arg_2": "#6", "resp": 5.671888124999999 }, { "operator": "add", "arg_1": "80", "arg_2": "0", "resp": 80.0 }, { "operator": "subtract", "arg_1": "#11", "arg_2": "#10", "resp": 74.328111875 }, { "operator": "divide", "arg_1": "#11", "arg_2": "#12", "resp": 1.07630878791242 }, { "operator": "ln", "arg_1": "#13", "arg_2": "1", "resp": 0.07353739818316694 }, { "operator": "add", "arg_1": "1", "arg_2": "#9", "resp": 1.017075 }, { "operator": "ln", "arg_1": "#15", "arg_2": "1", "resp": 0.016930860659981582 }, { "operator": "divide", "arg_1": "#14", "arg_2": "#16", "resp": 4.343393975061333 }, { "operator": "ceil", "arg_1": "#17", "arg_2": "1", "resp": 5.0 } ], "program": [ "add(250, 0)", "add(1.29, 0)", "multiply(#0, #1)", "add(3, 0)", "divide(#3, 100)", "multiply(#2, #4)", "add(#2, #5)", "add(20.49, 0)", "divide(#7, 100)", "divide(#8, 12)", "multiply(#9, #6)", "add(80, 0)", "subtract(#11, #10)", "divide(#11, #12)", "ln(#13, 1)", "add(1, #9)", "ln(#15, 1)", "divide(#14, #16)", "ceil(#17, 1)" ], "question_tense": "FIRST", "financial_terms": [ "PURCHASE APR", "FOREIGN TRANSACTION", "PAYOFF TIME", "MONTHLY PAYMENT", "BALANCE PAYOFF", "ROUND-UP RULE", "LOGARITHMIC PAYOFF CALCULATION" ], "credit_card": "Starbucks Rewards Visa Signature Agreement.pdf-255606.md" }, { "question": "I made $800 purchase on my credit card and missed my minimum payment. At the end of the 30-day billing cycle, when all penalty fees and interest are added to my account, is the maximum possible new minimum payment at least double the base minimum payment? Assume the new minimum payment is calculated solely based on the updated balance and there are no special payment obligations?", "ground_truth": "FALSE", "output_units": "binary", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "add", "arg_1": "800", "arg_2": "29", "resp": 829.0 }, { "operator": "divide", "arg_1": "0.08217", "arg_2": "100", "resp": 0.0008217 }, { "operator": "add", "arg_1": "1", "arg_2": "#1", "resp": 1.0008217 }, { "operator": "exponent", "arg_1": "#2", "arg_2": "30", "resp": 1.0249469730898586 }, { "operator": "multiply", "arg_1": "#0", "arg_2": "#3", "resp": 849.6810406914927 }, { "operator": "subtract", "arg_1": "#4", "arg_2": "#0", "resp": 20.68104069149274 }, { "operator": "multiply", "arg_1": "0.01", "arg_2": "#4", "resp": 8.496810406914927 }, { "operator": "add", "arg_1": "#5", "arg_2": "#6", "resp": 29.177851098407668 }, { "operator": "max", "arg_1": "40", "arg_2": "#7", "resp": 40 }, { "operator": "multiply", "arg_1": "2", "arg_2": "40", "resp": 80 }, { "operator": "greater_equal", "arg_1": "#8", "arg_2": "#9", "resp": "FALSE" } ], "program": [ "add(800, 29)", "divide(0.08217, 100)", "add(1, #1)", "exponent(#2, 30)", "multiply(#0, #3)", "subtract(#4, #0)", "multiply(0.01, #4)", "add(#5, #6)", "max(40, #7)", "multiply(2, 40)", "greater_equal(#8, #9)" ], "question_tense": "FIRST", "financial_terms": [ "DAILY PERIODIC RATE", "PURCHASE APR", "LATE PAYMENT FEE", "MINIMUM PAYMENT", "ACCOUNT BALANCE", "BILLING CYCLE", "MINIMUM FEE RULE", "BILLING-CYCLE INTEREST", "MINIMUM PAYMENT FORMULA", "MAXIMUM SELECTION", "EXPONENTIAL INTEREST CALCULATION", "CHASE CARD TERMS", "BALANCE DOUBLING TIME" ], "credit_card": "Starbucks Rewards Visa Signature Agreement.pdf-255606.md" }, { "question": "If I need to make a balance transfer, what is the max number of days I can wait till my interest exceeds 1% of the intital transfer plus the balance transfer fee? Basically, ignore the balance transfer fee. Assume that I will pay the lower bound of DPR specified in the credit card agreement?", "ground_truth": "22", "output_units": "day", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "1", "arg_2": "100", "resp": 0.01 }, { "operator": "add", "arg_1": "1", "arg_2": "#0", "resp": 1.01 }, { "operator": "divide", "arg_1": "0.04381", "arg_2": "100", "resp": 0.0004381 }, { "operator": "add", "arg_1": "1", "arg_2": "#2", "resp": 1.0004381 }, { "operator": "ln", "arg_1": "#1", "arg_2": "1", "resp": 0.009950330853168092 }, { "operator": "ln", "arg_1": "#3", "arg_2": "1", "resp": 0.0004380040622142034 }, { "operator": "divide", "arg_1": "#4", "arg_2": "#5", "resp": 22.717439657675914 }, { "operator": "ceil", "arg_1": "#6", "arg_2": "1", "resp": 23 }, { "operator": "subtract", "arg_1": "#7", "arg_2": "1", "resp": 22 } ], "program": [ "divide(1, 100)", "add(1, #0)", "divide(0.04381, 100)", "add(1, #2)", "ln(#1, 1)", "ln(#3, 1)", "divide(#4, #5)", "ceil(#6, 1)", "subtract(#7, 1)" ], "question_tense": "FIRST", "financial_terms": [ "DAILY PERIODIC RATE", "BALANCE TRANSFER APR", "BALANCE TRANSFER FEE", "ACCOUNT BALANCE", "INTEREST ACCRUAL", "ROUND-UP RULE", "LOGARITHMIC PAYOFF CALCULATION", "PERCENTAGE-BASED FEE", "INTEREST THRESHOLD" ], "credit_card": "Starbucks Rewards Visa Signature Agreement.pdf-255606.md" }, { "question": "Is a New Balance of 15 sufficient to avoid interest on purchases if paid by the due date in 10 days?", "ground_truth": "TRUE", "output_units": "categorical", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 1, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 1, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 2, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "less", "arg_1": "15", "arg_2": "25", "resp": "TRUE" }, { "operator": "greater", "arg_1": "10", "arg_2": "0", "resp": "TRUE" }, { "operator": "and", "arg_1": "#0", "arg_2": "#1", "resp": "TRUE" }, { "operator": "if", "arg_1": "#2", "arg_2": "Yes", "arg_3": "No", "resp": "TRUE" } ], "program": [ "less(15, 25)", "greater(10, 0)", "and(#0, #1)", "if(#2, Yes, No)" ], "question_tense": "THIRD", "financial_terms": [ "PURCHASE APR", "ACCOUNT BALANCE", "PAYMENT DUE DATE", "PAYMENT DUE DATE CALCULATION", "NEW BALANCE", "CONDITIONAL FINANCIAL RULE", "CHASE CARD TERMS", "INTEREST OWED" ], "credit_card": "The Private Bank By Invitation Visa Signature® Card Account Agreement-255549.md" }, { "question": "Is the Minimum Payment over 30 with 1000 balance, 15 interest, and 5 fees?", "ground_truth": "FALSE", "output_units": "categorical", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 4, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 4, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "1000", "arg_2": "0.01", "resp": 10 }, { "operator": "add", "arg_1": "#0", "arg_2": "15", "resp": 25 }, { "operator": "add", "arg_1": "#1", "arg_2": "5", "resp": 30 }, { "operator": "max", "arg_1": "#2", "arg_2": "25", "resp": 30 }, { "operator": "greater", "arg_1": "#3", "arg_2": "30", "resp": "FALSE" }, { "operator": "if", "arg_1": "#4", "arg_2": "Yes", "arg_3": "No", "resp": "FALSE" } ], "program": [ "multiply(1000, 0.01)", "add(#0, 15)", "add(#1, 5)", "max(#2, 25)", "greater(#3, 30)", "if(#4, Yes, No)" ], "question_tense": "THIRD", "financial_terms": [ "MINIMUM PAYMENT", "ACCOUNT BALANCE", "MINIMUM FEE RULE", "MINIMUM PAYMENT FORMULA", "MAXIMUM SELECTION", "CONDITIONAL FINANCIAL RULE" ], "credit_card": "The Private Bank By Invitation Visa Signature® Card Account Agreement-255549.md" }, { "question": "Is the APR for Cash Advances capped at the Maximum APR if the Prime Rate is 8.50?", "ground_truth": "FALSE", "output_units": "categorical", "input_units": { "from_doc": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 3, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "add", "arg_1": "8.50", "arg_2": "20.74", "resp": 29.24 }, { "operator": "less", "arg_1": "#0", "arg_2": "29.99", "resp": "TRUE" }, { "operator": "if", "arg_1": "#1", "arg_2": "No", "arg_3": "Yes", "resp": "FALSE" } ], "program": [ "add(8.50, 20.74)", "less(#0, 29.99)", "if(#1, No, Yes)" ], "question_tense": "THIRD", "financial_terms": [ "PRIME RATE", "CASH ADVANCE APR", "FEE CAP", "MAXIMUM APR TEST", "CONDITIONAL FINANCIAL RULE" ], "credit_card": "The Private Bank By Invitation Visa Signature® Card Account Agreement-255549.md" }, { "question": "Is the APR for Purchases less than the Maximum APR if the Prime Rate is 8.50?", "ground_truth": "TRUE", "output_units": "categorical", "input_units": { "from_doc": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 3, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "add", "arg_1": "8.50", "arg_2": "9.24", "resp": 17.740000000000002 }, { "operator": "less", "arg_1": "#0", "arg_2": "29.99", "resp": "TRUE" }, { "operator": "if", "arg_1": "#1", "arg_2": "Yes", "arg_3": "No", "resp": "TRUE" } ], "program": [ "add(8.50, 9.24)", "less(#0, 29.99)", "if(#1, Yes, No)" ], "question_tense": "THIRD", "financial_terms": [ "PRIME RATE", "PURCHASE APR", "MAXIMUM APR TEST", "CONDITIONAL FINANCIAL RULE", "CHASE CARD TERMS" ], "credit_card": "The Private Bank By Invitation Visa Signature® Card Account Agreement-255549.md" }, { "question": "If the Prime Rate exceeds 20, is the APR for Balance Transfers above the Maximum APR?", "ground_truth": "FALSE", "output_units": "categorical", "input_units": { "from_doc": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 3, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "add", "arg_1": "20.01", "arg_2": "9.24", "resp": 29.25 }, { "operator": "greater", "arg_1": "#0", "arg_2": "29.99", "resp": "FALSE" }, { "operator": "if", "arg_1": "#1", "arg_2": "Yes", "arg_3": "No", "resp": "FALSE" } ], "program": [ "add(20.01, 9.24)", "greater(#0, 29.99)", "if(#1, Yes, No)" ], "question_tense": "THIRD", "financial_terms": [ "PRIME RATE", "BALANCE TRANSFER APR", "ACCOUNT BALANCE", "MAXIMUM APR TEST", "CONDITIONAL FINANCIAL RULE" ], "credit_card": "The Private Bank By Invitation Visa Signature® Card Account Agreement-255549.md" }, { "question": "Is the cardholder's Available Credit sufficient for a 1200 purchase if the cardholder's Credit Limit is 5000 and the cardholder's current balance is 4000?", "ground_truth": "FALSE", "output_units": "categorical", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "subtract", "arg_1": "5000", "arg_2": "4000", "resp": 1000 }, { "operator": "less_equal", "arg_1": "1200", "arg_2": "#0", "resp": "FALSE" }, { "operator": "if", "arg_1": "#1", "arg_2": "Yes", "arg_3": "No", "resp": "FALSE" } ], "program": [ "subtract(5000, 4000)", "less_equal(1200, #0)", "if(#1, Yes, No)" ], "question_tense": "THIRD", "financial_terms": [ "PURCHASE TRANSACTION", "CREDIT LIMIT", "CURRENT BALANCE", "AVAILABLE CREDIT", "CONDITIONAL FINANCIAL RULE", "CHASE CARD TERMS" ], "credit_card": "The Private Bank By Invitation Visa Signature® Card Account Agreement-255549.md" }, { "question": "Is it true that the cardholder has 25 days to pay if the cardholder's Statement Closing Date is March 1, 2025?", "ground_truth": "TRUE", "output_units": "categorical", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 1, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 1, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 2, "year": 0, "$": 0, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "greater_equal", "arg_1": "25", "arg_2": "25", "resp": "TRUE" }, { "operator": "less_equal", "arg_1": "25", "arg_2": "25", "resp": "TRUE" }, { "operator": "and", "arg_1": "#0", "arg_2": "#1", "resp": "TRUE" }, { "operator": "if", "arg_1": "#2", "arg_2": "Yes", "arg_3": "No", "resp": "TRUE" } ], "program": [ "greater_equal(25, 25)", "less_equal(25, 25)", "and(#0, #1)", "if(#2, Yes, No)" ], "question_tense": "THIRD", "financial_terms": [ "BILLING CYCLE", "CONDITIONAL FINANCIAL RULE" ], "credit_card": "The Private Bank By Invitation Visa Signature® Card Account Agreement-255549.md" }, { "question": "Is the Purchases APR below the Maximum APR at Prime Rate 8.50?", "ground_truth": "TRUE", "output_units": "categorical", "input_units": { "from_doc": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 3, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "less", "arg_1": "17.74", "arg_2": "29.99", "resp": "TRUE" }, { "operator": "if", "arg_1": "#0", "arg_2": "Yes", "arg_3": "No", "resp": "TRUE" } ], "program": [ "less(17.74, 29.99)", "if(#0, Yes, No)" ], "question_tense": "THIRD", "financial_terms": [ "PRIME RATE", "PURCHASE APR", "MAXIMUM APR TEST", "CONDITIONAL FINANCIAL RULE", "CHASE CARD TERMS" ], "credit_card": "The Private Bank By Invitation Visa Signature® Card Account Agreement-255549.md" }, { "question": "Is the margin for Cash Advances 20.74?", "ground_truth": "TRUE", "output_units": "categorical", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "greater_equal", "arg_1": "20.74", "arg_2": "20.74", "resp": "TRUE" }, { "operator": "less_equal", "arg_1": "20.74", "arg_2": "20.74", "resp": "TRUE" }, { "operator": "and", "arg_1": "#0", "arg_2": "#1", "resp": "TRUE" }, { "operator": "if", "arg_1": "#2", "arg_2": "Yes", "arg_3": "No", "resp": "TRUE" } ], "program": [ "greater_equal(20.74, 20.74)", "less_equal(20.74, 20.74)", "and(#0, #1)", "if(#2, Yes, No)" ], "question_tense": "THIRD", "financial_terms": [ "CASH ADVANCE", "CONDITIONAL FINANCIAL RULE" ], "credit_card": "The Private Bank By Invitation Visa Signature® Card Account Agreement-255549.md" }, { "question": "Is the max reimbursement for arbitration filing fee 700?", "ground_truth": "TRUE", "output_units": "categorical", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "greater_equal", "arg_1": "700", "arg_2": "700", "resp": "TRUE" }, { "operator": "less_equal", "arg_1": "700", "arg_2": "700", "resp": "TRUE" }, { "operator": "and", "arg_1": "#0", "arg_2": "#1", "resp": "TRUE" }, { "operator": "if", "arg_1": "#2", "arg_2": "Yes", "arg_3": "No", "resp": "TRUE" } ], "program": [ "greater_equal(700, 700)", "less_equal(700, 700)", "and(#0, #1)", "if(#2, Yes, No)" ], "question_tense": "THIRD", "financial_terms": [ "ARBITRATION AWARD", "CONDITIONAL FINANCIAL RULE" ], "credit_card": "The Private Bank By Invitation Visa Signature® Card Account Agreement-255549.md" }, { "question": "A $4,500 balance is transferred to a new credit card with a DPR for Balance Transfer of 0.052712%. If $200 is paid each month, will the balance be fully paid of within 24 months?", "ground_truth": "FALSE", "output_units": "binary", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 1, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 1, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "0.052712", "arg_2": "100", "resp": 0.00052712 }, { "operator": "add", "arg_1": "1", "arg_2": "#0", "resp": 1.00052712 }, { "operator": "exponent", "arg_1": "#1", "arg_2": "30", "resp": 1.01593506390219 }, { "operator": "subtract", "arg_1": "#2", "arg_2": "1", "resp": 0.015935063902190016 }, { "operator": "multiply", "arg_1": "#3", "arg_2": "4500", "resp": 71.70778755985508 }, { "operator": "subtract", "arg_1": "200", "arg_2": "#4", "resp": 128.2922124401449 }, { "operator": "divide", "arg_1": "200", "arg_2": "#5", "resp": 1.5589410783083233 }, { "operator": "ln", "arg_1": "#6", "arg_2": "1", "resp": 0.44400679481895955 }, { "operator": "add", "arg_1": "1", "arg_2": "#3", "resp": 1.01593506390219 }, { "operator": "ln", "arg_1": "#8", "arg_2": "1", "resp": 0.01580943363164008 }, { "operator": "divide", "arg_1": "#7", "arg_2": "#9", "resp": 28.084927339228027 }, { "operator": "less_equal", "arg_1": "#10", "arg_2": "24", "resp": "FALSE" }, { "operator": "if", "arg_1": "#11", "arg_2": "Yes", "arg_3": "No", "resp": "FALSE" } ], "program": [ "divide(0.052712, 100)", "add(1, #0)", "exponent(#1, 30)", "subtract(#2, 1)", "multiply(#3, 4500)", "subtract(200, #4)", "divide(200, #5)", "ln(#6, 1)", "add(1, #3)", "ln(#8, 1)", "divide(#7, #9)", "less_equal(#10, 24)", "if(#11, Yes, No)" ], "question_tense": "THIRD", "financial_terms": [ "DAILY PERIODIC RATE", "BALANCE TRANSFER", "ACCOUNT BALANCE", "CONDITIONAL FINANCIAL RULE", "LOGARITHMIC PAYOFF CALCULATION", "EXPONENTIAL INTEREST CALCULATION" ], "credit_card": "US_Bank_Elan_Financial.md" }, { "question": "I take out $3,000 cash advance with an APR for Cash Advances of 29.24%. If I make only the minimum monthly payment of $150, will I be able to pay off the full balance within 24 months?", "ground_truth": "FALSE", "output_units": "binary", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 1, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 1, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "29.24", "arg_2": "100", "resp": 0.2924 }, { "operator": "divide", "arg_1": "#0", "arg_2": "12", "resp": 0.024366666666666665 }, { "operator": "multiply", "arg_1": "#1", "arg_2": "3000", "resp": 73.1 }, { "operator": "subtract", "arg_1": "150", "arg_2": "#2", "resp": 76.9 }, { "operator": "divide", "arg_1": "150", "arg_2": "#3", "resp": 1.9505851755526658 }, { "operator": "ln", "arg_1": "#4", "arg_2": "1", "resp": 0.6681294175846574 }, { "operator": "add", "arg_1": "1", "arg_2": "#1", "resp": 1.0243666666666666 }, { "operator": "ln", "arg_1": "#6", "arg_2": "1", "resp": 0.02407453544117534 }, { "operator": "divide", "arg_1": "#5", "arg_2": "#7", "resp": 27.752536252140395 }, { "operator": "less_equal", "arg_1": "#8", "arg_2": "24", "resp": "FALSE" }, { "operator": "if", "arg_1": "#9", "arg_2": "Yes", "arg_3": "No", "resp": "FALSE" } ], "program": [ "divide(29.24, 100)", "divide(#0, 12)", "multiply(#1, 3000)", "subtract(150, #2)", "divide(150, #3)", "ln(#4, 1)", "add(1, #1)", "ln(#6, 1)", "divide(#5, #7)", "less_equal(#8, 24)", "if(#9, Yes, No)" ], "question_tense": "FIRST", "financial_terms": [ "CASH ADVANCE APR", "ACCOUNT BALANCE", "PAYOFF TIME", "BALANCE PAYOFF", "CONDITIONAL FINANCIAL RULE", "LOGARITHMIC PAYOFF CALCULATION" ], "credit_card": "US_Bank_Elan_Financial.md" }, { "question": "A $600 cash advance is taken from an ATM. The fee is the greater of $10 or 5%. The customer plans to repay $50 daily. If the APR is 29.99% (DPR: 0.0008219), and interest compounds daily, how many days will it take to fully pay off the balance?", "ground_truth": "13", "output_units": "day", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "600", "arg_2": "0.05", "resp": 30.0 }, { "operator": "max", "arg_1": "#0", "arg_2": "10", "resp": 30.0 }, { "operator": "add", "arg_1": "600", "arg_2": "#1", "resp": 630.0 }, { "operator": "multiply", "arg_1": "#2", "arg_2": "0.0008219", "resp": 0.517797 }, { "operator": "subtract", "arg_1": "50", "arg_2": "#3", "resp": 49.482203 }, { "operator": "divide", "arg_1": "50", "arg_2": "#4", "resp": 1.0104643077431295 }, { "operator": "ln", "arg_1": "#5", "arg_2": "1", "resp": 0.010409935855368122 }, { "operator": "add", "arg_1": "1", "arg_2": "0.0008219", "resp": 1.0008219 }, { "operator": "ln", "arg_1": "#7", "arg_2": "1", "resp": 0.0008215624251508911 }, { "operator": "divide", "arg_1": "#6", "arg_2": "#8", "resp": 12.670900636012163 }, { "operator": "ceil", "arg_1": "#9", "arg_2": "1", "resp": 13 } ], "program": [ "multiply(600, 0.05)", "max(#0, 10)", "add(600, #1)", "multiply(#2, 0.0008219)", "subtract(50, #3)", "divide(50, #4)", "ln(#5, 1)", "add(1, 0.0008219)", "ln(#7, 1)", "divide(#6, #8)", "ceil(#9, 1)" ], "question_tense": "THIRD", "financial_terms": [ "DAILY PERIODIC RATE", "APR TO DPR CONVERSION", "CASH ADVANCE APR", "CASH ADVANCE FEE", "ACCOUNT BALANCE", "PAYOFF TIME", "MINIMUM MAXIMUM FEE RULE", "ATM CASH ADVANCE", "GREATER-OF FEE RULE", "BALANCE PAYOFF", "ROUND-UP RULE", "MAXIMUM SELECTION", "LOGARITHMIC PAYOFF CALCULATION" ], "credit_card": "US_Bank_Elan_Financial.md" }, { "question": "I transfer $5,000 balance to a new credit card with an APR for Balance Transfer of 19.24%. If I make only the minimum monthly payment of $200, will I be able to pay off the full balance within 24 months?", "ground_truth": "FALSE", "output_units": "binary", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 1, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 1, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "19.24", "arg_2": "100", "resp": 0.1924 }, { "operator": "divide", "arg_1": "#0", "arg_2": "12", "resp": 0.016033333333333333 }, { "operator": "multiply", "arg_1": "#1", "arg_2": "5000", "resp": 80.16666666666667 }, { "operator": "divide", "arg_1": "#2", "arg_2": "200", "resp": 0.4008333333333334 }, { "operator": "subtract", "arg_1": "1", "arg_2": "#3", "resp": 0.5991666666666666 }, { "operator": "ln", "arg_1": "#4", "arg_2": "", "resp": -0.5122154780550451 }, { "operator": "add", "arg_1": "1", "arg_2": "#1", "resp": 1.0160333333333333 }, { "operator": "ln", "arg_1": "#6", "arg_2": "", "resp": 0.01590615701705654 }, { "operator": "divide", "arg_1": "#5", "arg_2": "#7", "resp": -32.202340106776546 }, { "operator": "abs", "arg_1": "#8", "arg_2": "", "resp": 32.202340106776546 }, { "operator": "ceil", "arg_1": "#9", "arg_2": "", "resp": 33 }, { "operator": "less_equal", "arg_1": "#10", "arg_2": "24", "resp": "FALSE" } ], "program": [ "divide(19.24, 100)", "divide(#0, 12)", "multiply(#1, 5000)", "divide(#2, 200)", "subtract(1, #3)", "ln(#4, )", "add(1, #1)", "ln(#6, )", "divide(#5, #7)", "abs(#8, )", "ceil(#9, )", "less_equal(#10, 24)" ], "question_tense": "FIRST", "financial_terms": [ "BALANCE TRANSFER APR", "MINIMUM PAYMENT", "ACCOUNT BALANCE", "PAYOFF TIME", "BALANCE PAYOFF", "ROUND-UP RULE", "LOGARITHMIC PAYOFF CALCULATION" ], "credit_card": "US_Bank_Elan_Financial.md" }, { "question": "A credit card has $4,500 balance and an APR of 18.99%. The minimum payment is the greater of $40 or 1% of the balance, rounded to the next dollar. If only the minimum payment is made each month, how many months will it take to pay off the full balance?", "ground_truth": "Never", "output_units": "categorical", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "4500", "arg_2": "0.01", "resp": 45.0 }, { "operator": "ceil", "arg_1": "#0", "arg_2": "1", "resp": 45 }, { "operator": "max", "arg_1": "#1", "arg_2": "40", "resp": 45 }, { "operator": "divide", "arg_1": "18.99", "arg_2": "100", "resp": 0.1899 }, { "operator": "divide", "arg_1": "#3", "arg_2": "12", "resp": 0.015825 }, { "operator": "multiply", "arg_1": "#4", "arg_2": "4500", "resp": 71.2125 }, { "operator": "less_equal", "arg_1": "#2", "arg_2": "#5", "resp": "TRUE" }, { "operator": "if", "arg_1": "#6", "arg_2": "Never", "arg_3": "Finite", "resp": "Never" } ], "program": [ "multiply(4500, 0.01)", "ceil(#0, 1)", "max(#1, 40)", "divide(18.99, 100)", "divide(#3, 12)", "multiply(#4, 4500)", "less_equal(#2, #5)", "if(#6, Never, Finite)" ], "question_tense": "THIRD", "financial_terms": [ "MINIMUM PAYMENT", "ACCOUNT BALANCE", "PAYOFF TIME", "GREATER-OF FEE RULE", "MINIMUM PAYMENT FORMULA", "BALANCE PAYOFF", "ROUND-UP RULE", "MAXIMUM SELECTION", "CONDITIONAL FINANCIAL RULE", "PERCENTAGE-BASED FEE" ], "credit_card": "US_Bank_Elan_Financial.md" }, { "question": "\"I win a game show and have to choose between: Option A: Taking $1,000 cash advance from an ATM with a 25% APR (compounded daily) and a Cash Advance ATM Fee of $10 or 5%, OR Option B: Accepting $900 in free cash with no conditions. What option should I select?\"?", "ground_truth": "Option B", "output_units": "categorical", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 1, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 1, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "1000", "arg_2": "0.05", "resp": 50 }, { "operator": "max", "arg_1": "#0", "arg_2": "10", "resp": 50 }, { "operator": "add", "arg_1": "1000", "arg_2": "#1", "resp": 1050 }, { "operator": "divide", "arg_1": "25", "arg_2": "100", "resp": 0.25 }, { "operator": "divide", "arg_1": "#3", "arg_2": "365", "resp": 0.0006849315068493151 }, { "operator": "add", "arg_1": "1", "arg_2": "#4", "resp": 1.0006849315068493 }, { "operator": "exponent", "arg_1": "#5", "arg_2": "30", "resp": 1.0207533278872116 }, { "operator": "multiply", "arg_1": "#2", "arg_2": "#6", "resp": 1071.7909942815722 }, { "operator": "subtract", "arg_1": "#7", "arg_2": "#2", "resp": 21.79099428157224 }, { "operator": "subtract", "arg_1": "1000", "arg_2": "#7", "resp": -71.79099428157222 }, { "operator": "greater", "arg_1": "900", "arg_2": "#9", "resp": "TRUE" }, { "operator": "if", "arg_1": "#10", "arg_2": "Option B", "arg_3": "Option A", "resp": "Option B" } ], "program": [ "multiply(1000, 0.05)", "max(#0, 10)", "add(1000, #1)", "divide(25, 100)", "divide(#3, 365)", "add(1, #4)", "exponent(#5, 30)", "multiply(#2, #6)", "subtract(#7, #2)", "subtract(1000, #7)", "greater(900, #9)", "if(#10, Option B, Option A)" ], "question_tense": "THIRD", "financial_terms": [ "DAILY PERIODIC RATE", "CASH ADVANCE APR", "CASH ADVANCE FEE", "DAILY COMPOUNDING", "ATM CASH ADVANCE", "DAILY COMPOUNDING INTEREST", "CARD OPTION COMPARISON", "365-DAY RATE BASIS", "MAXIMUM SELECTION", "CONDITIONAL FINANCIAL RULE", "EXPONENTIAL INTEREST CALCULATION" ], "credit_card": "US_Bank_Elan_Financial.md" }, { "question": "A customer has $4,500 credit limit and a current balance of $2,500. They use their credit card for $1,200 cash equivalent transaction, which incurs $60 advance fee (5%). The total amount is added to their balance. They plan to pay $350 per month until the balance is fully repaid. How many months will it take for their full credit limit to be available again?", "ground_truth": "12.663589338589164", "output_units": "month", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "1200", "arg_2": "0.05", "resp": 60.0 }, { "operator": "add", "arg_1": "2500", "arg_2": "1200", "resp": 3700 }, { "operator": "add", "arg_1": "#1", "arg_2": "#0", "resp": 3760.0 }, { "operator": "divide", "arg_1": "29.99", "arg_2": "100", "resp": 0.2999 }, { "operator": "divide", "arg_1": "#3", "arg_2": "12", "resp": 0.024991666666666666 }, { "operator": "multiply", "arg_1": "#4", "arg_2": "#2", "resp": 93.96866666666666 }, { "operator": "subtract", "arg_1": "350", "arg_2": "#5", "resp": 256.03133333333335 }, { "operator": "divide", "arg_1": "350", "arg_2": "#6", "resp": 1.3670201824255885 }, { "operator": "ln", "arg_1": "#7", "arg_2": "1", "resp": 0.3126333216603224 }, { "operator": "add", "arg_1": "1", "arg_2": "#4", "resp": 1.0249916666666667 }, { "operator": "ln", "arg_1": "#9", "arg_2": "1", "resp": 0.024684482476021473 }, { "operator": "divide", "arg_1": "#8", "arg_2": "#10", "resp": 12.665176268694905 } ], "program": [ "multiply(1200, 0.05)", "add(2500, 1200)", "add(#1, #0)", "divide(29.99, 100)", "divide(#3, 12)", "multiply(#4, #2)", "subtract(350, #5)", "divide(350, #6)", "ln(#7, 1)", "add(1, #4)", "ln(#9, 1)", "divide(#8, #10)" ], "question_tense": "THIRD", "financial_terms": [ "CASH ADVANCE FEE", "CREDIT LIMIT", "PAYOFF TIME", "CASH EQUIVALENT TRANSACTION", "MONTHLY PAYMENT", "CURRENT BALANCE", "LOGARITHMIC PAYOFF CALCULATION", "MONTHLY FEE" ], "credit_card": "US_Bank_Elan_Financial.md" }, { "question": "A customer has $7,000 credit limit and a current balance of $3,000. A $2,500 balance transfer incurs $75 fee (3%) and is added to the balance. If $600 is paid monthly, how many months will it take for the full credit limit to become available again?", "ground_truth": "10.7048846690", "output_units": "month", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "2500", "arg_2": "0.03", "resp": 75.0 }, { "operator": "add", "arg_1": "3000", "arg_2": "2500", "resp": 5500 }, { "operator": "add", "arg_1": "#1", "arg_2": "#0", "resp": 5575.0 }, { "operator": "divide", "arg_1": "29.99", "arg_2": "100", "resp": 0.2999 }, { "operator": "divide", "arg_1": "#3", "arg_2": "12", "resp": 0.024991666666666666 }, { "operator": "multiply", "arg_1": "#4", "arg_2": "#2", "resp": 139.32854166666667 }, { "operator": "subtract", "arg_1": "600", "arg_2": "#5", "resp": 460.67145833333336 }, { "operator": "divide", "arg_1": "600", "arg_2": "#6", "resp": 1.302446655086348 }, { "operator": "ln", "arg_1": "#7", "arg_2": "1", "resp": 0.2642445380188412 }, { "operator": "add", "arg_1": "1", "arg_2": "#4", "resp": 1.0249916666666667 }, { "operator": "ln", "arg_1": "#9", "arg_2": "1", "resp": 0.024684482476021473 }, { "operator": "divide", "arg_1": "#8", "arg_2": "#10", "resp": 10.70488466896272 } ], "program": [ "multiply(2500, 0.03)", "add(3000, 2500)", "add(#1, #0)", "divide(29.99, 100)", "divide(#3, 12)", "multiply(#4, #2)", "subtract(600, #5)", "divide(600, #6)", "ln(#7, 1)", "add(1, #4)", "ln(#9, 1)", "divide(#8, #10)" ], "question_tense": "THIRD", "financial_terms": [ "BALANCE TRANSFER FEE", "ACCOUNT BALANCE", "CREDIT LIMIT", "PAYOFF TIME", "CURRENT BALANCE", "LOGARITHMIC PAYOFF CALCULATION", "FIXED DOLLAR FEE" ], "credit_card": "US_Bank_Elan_Financial.md" }, { "question": "A customer with $5,500 credit limit and $2,000 balance uses $1,800 convenience check. A 3% fee of $54 is added to the balance. If $500 is paid each month, how many months will it take for the full credit limit to become available again?", "ground_truth": "8.662203268223218", "output_units": "month", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "1800", "arg_2": "0.03", "resp": 54.0 }, { "operator": "add", "arg_1": "2000", "arg_2": "1800", "resp": 3800 }, { "operator": "add", "arg_1": "#1", "arg_2": "#0", "resp": 3854.0 }, { "operator": "divide", "arg_1": "29.99", "arg_2": "100", "resp": 0.2999 }, { "operator": "divide", "arg_1": "#3", "arg_2": "12", "resp": 0.024991666666666666 }, { "operator": "multiply", "arg_1": "#4", "arg_2": "#2", "resp": 96.31788333333333 }, { "operator": "subtract", "arg_1": "500", "arg_2": "#5", "resp": 403.6821166666667 }, { "operator": "divide", "arg_1": "500", "arg_2": "#6", "resp": 1.2385983410131247 }, { "operator": "ln", "arg_1": "#7", "arg_2": "1", "resp": 0.21398037011605384 }, { "operator": "add", "arg_1": "1", "arg_2": "#4", "resp": 1.0249916666666667 }, { "operator": "ln", "arg_1": "#9", "arg_2": "1", "resp": 0.024684482476021473 }, { "operator": "divide", "arg_1": "#8", "arg_2": "#10", "resp": 8.668618850887984 } ], "program": [ "multiply(1800, 0.03)", "add(2000, 1800)", "add(#1, #0)", "divide(29.99, 100)", "divide(#3, 12)", "multiply(#4, #2)", "subtract(500, #5)", "divide(500, #6)", "ln(#7, 1)", "add(1, #4)", "ln(#9, 1)", "divide(#8, #10)" ], "question_tense": "THIRD", "financial_terms": [ "CONVENIENCE CHECK", "PAYMENT PLAN FEE", "CREDIT LIMIT", "PAYOFF TIME", "CHECK CASH ADVANCE", "LOGARITHMIC PAYOFF CALCULATION", "PERCENTAGE-BASED FEE" ], "credit_card": "US_Bank_Elan_Financial.md" }, { "question": "A $3,000 balance is transferred to a credit card with a DPR of 0.052712%. If $250 is paid monthly and assuming no additional charges are made, how many months will it take to fully repay the balance?", "ground_truth": "13.4242182640", "output_units": "month", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "0.052712", "arg_2": "100", "resp": 0.0005271200000000001 }, { "operator": "add", "arg_1": "1", "arg_2": "#0", "resp": 1.00052712 }, { "operator": "exponent", "arg_1": "#1", "arg_2": "30", "resp": 1.01593506390219 }, { "operator": "subtract", "arg_1": "#2", "arg_2": "1", "resp": 0.015935063902190016 }, { "operator": "multiply", "arg_1": "#3", "arg_2": "3000", "resp": 47.80519170657005 }, { "operator": "subtract", "arg_1": "250", "arg_2": "#4", "resp": 202.19480829342996 }, { "operator": "divide", "arg_1": "250", "arg_2": "#5", "resp": 1.2364313510819427 }, { "operator": "ln", "arg_1": "#6", "arg_2": "1", "resp": 0.21222928770130842 }, { "operator": "add", "arg_1": "1", "arg_2": "#3", "resp": 1.01593506390219 }, { "operator": "ln", "arg_1": "#8", "arg_2": "1", "resp": 0.01580943363164008 }, { "operator": "divide", "arg_1": "#7", "arg_2": "#9", "resp": 13.424218263996824 } ], "program": [ "divide(0.052712, 100)", "add(1, #0)", "exponent(#1, 30)", "subtract(#2, 1)", "multiply(#3, 3000)", "subtract(250, #4)", "divide(250, #5)", "ln(#6, 1)", "add(1, #3)", "ln(#8, 1)", "divide(#7, #9)" ], "question_tense": "THIRD", "financial_terms": [ "DAILY PERIODIC RATE", "ACCOUNT BALANCE", "PAYOFF TIME", "LOGARITHMIC PAYOFF CALCULATION", "EXPONENTIAL INTEREST CALCULATION" ], "credit_card": "US_Bank_Elan_Financial.md" }, { "question": "If a customer increases their monthly payment from the minimum required to double that amount, how many months will they save on $2,000 balance?", "ground_truth": "20", "output_units": "month", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 1 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 1 } }, "steps": [ { "operator": "multiply", "arg_1": "2000", "arg_2": "0.01", "resp": 20 }, { "operator": "max", "arg_1": "#0", "arg_2": "50", "resp": 50 }, { "operator": "multiply", "arg_1": "#1", "arg_2": "2", "resp": 100 }, { "operator": "divide", "arg_1": "2000", "arg_2": "#1", "resp": 40 }, { "operator": "divide", "arg_1": "2000", "arg_2": "#2", "resp": 20 }, { "operator": "subtract", "arg_1": "#3", "arg_2": "#4", "resp": 20 }, { "operator": "abs", "arg_1": "#5", "arg_2": "1", "resp": 20 } ], "program": [ "multiply(2000, 0.01)", "max(#0, 50)", "multiply(#1, 2)", "divide(2000, #1)", "divide(2000, #2)", "subtract(#3, #4)", "abs(#5, 1)" ], "question_tense": "THIRD", "financial_terms": [ "MINIMUM PAYMENT", "ACCOUNT BALANCE", "PAYOFF TIME", "MAXIMUM SELECTION", "BALANCE DOUBLING TIME" ], "credit_card": "US_Bank_Personal_LOC.md" }, { "question": "If a customer withdraws cash every day of the week for one week from a financial institution using their USBNA visa credit card, how many days will it take to be charged more than $15 in fees?", "ground_truth": "0", "output_units": "day", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "subtract", "arg_1": "0", "arg_2": "0", "resp": 0 }, { "operator": "abs", "arg_1": "#0", "arg_2": "1", "resp": 0 }, { "operator": "less_equal", "arg_1": "#1", "arg_2": "0", "resp": "TRUE" }, { "operator": "if", "arg_1": "#2", "arg_2": "0, divide(15, 0)", "resp": 0 } ], "program": [ "subtract(0, 0)", "abs(#0, 1)", "less_equal(#1, 0)", "if(#2, 0, divide(15, 0))" ], "question_tense": "THIRD", "financial_terms": [ "CASH ADVANCE FEE", "PAYOFF TIME", "CONDITIONAL FINANCIAL RULE" ], "credit_card": "US_Bank_Personal_LOC.md" }, { "question": "A customer carries a balance of $1,750. If he carries it for 180 days, will he accumulate more than $600 in interest?", "ground_truth": "FALSE", "output_units": "binary", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 1, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 1, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "1750", "arg_2": "0.00042466", "resp": 0.743155 }, { "operator": "multiply", "arg_1": "#0", "arg_2": "180", "resp": 133.7679 }, { "operator": "greater", "arg_1": "#1", "arg_2": "600", "resp": "FALSE" }, { "operator": "if", "arg_1": "#2", "arg_2": "Yes,No", "resp": "FALSE" } ], "program": [ "multiply(1750, 0.00042466)", "multiply(#0, 180)", "greater(#1, 600)", "if(#2, Yes,No)" ], "question_tense": "THIRD", "financial_terms": [ "DAILY PERIODIC RATE", "ACCOUNT BALANCE", "CONDITIONAL FINANCIAL RULE" ], "credit_card": "US_Bank_Personal_LOC.md" }, { "question": "If I get a returned payment fee 2 months in a row, assuming I am charged to maximum of $35, will I have exceeded the $100 threshold in returned payment fees?", "ground_truth": "FALSE", "output_units": "binary", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 1, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 1, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "35", "arg_2": "2", "resp": 70 }, { "operator": "greater", "arg_1": "#0", "arg_2": "100", "resp": "FALSE" }, { "operator": "if", "arg_1": "#1", "arg_2": "Yes,No", "resp": "FALSE" } ], "program": [ "multiply(35, 2)", "greater(#0, 100)", "if(#1, Yes,No)" ], "question_tense": "FIRST", "financial_terms": [ "RETURNED PAYMENT FEE", "CONDITIONAL FINANCIAL RULE" ], "credit_card": "US_Bank_Personal_LOC.md" }, { "question": "A retailer offers a \"Protection\" program where disputes of purchases below $100 get automatically refunded whereas purchases of 100$ and above will require additional verification. If a customer disputes a 79$ purchase, will they get an automatic refund?", "ground_truth": "TRUE", "output_units": "binary", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "less_equal", "arg_1": "79", "arg_2": "100", "resp": "TRUE" }, { "operator": "if", "arg_1": "#0", "arg_2": "Yes,No", "resp": "TRUE" } ], "program": [ "less_equal(79, 100)", "if(#0, Yes,No)" ], "question_tense": "THIRD", "financial_terms": [ "PURCHASE TRANSACTION", "RETURNED PAYMENT", "BILLING ERROR", "FEE REFUND", "CONDITIONAL FINANCIAL RULE", "CHASE CARD TERMS" ], "credit_card": "US_Bank_Personal_LOC.md" }, { "question": "A financial institution introduces a new rule where, if a customer takes out more than 3 financial institution cash advance in a 30-day period, the fee is bumped up to 1% of the cash advance. If a customer has already taken 2 cash advances and plans on taking 3 others in the next 15 days, how many of those cash advances will have a fee associated to them?", "ground_truth": "2 cash advances", "output_units": "categorical", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "add", "arg_1": "2", "arg_2": "3", "resp": 5 }, { "operator": "subtract", "arg_1": "#0", "arg_2": "3", "resp": 2 }, { "operator": "if", "arg_1": "true", "arg_2": "2 cash advances,0 cash advances", "resp": "2 cash advances" } ], "program": [ "add(2, 3)", "subtract(#0, 3)", "if(true, 2 cash advances,0 cash advances)" ], "question_tense": "THIRD", "financial_terms": [ "CASH ADVANCE FEE", "CONDITIONAL FINANCIAL RULE", "PERCENTAGE-BASED FEE" ], "credit_card": "US_Bank_Personal_LOC.md" }, { "question": "If a customer plans on paying off their $4,000 balance within 10 months to avoid more than $300 in interest, are they going to need to increase their monthly payment beyond the minimum requirement?", "ground_truth": "TRUE", "output_units": "binary", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 1, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 1, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "4000", "arg_2": "0.155", "resp": 620.0 }, { "operator": "divide", "arg_1": "10", "arg_2": "12", "resp": 0.8333333333333334 }, { "operator": "multiply", "arg_1": "#0", "arg_2": "#1", "resp": 516.6666666666667 }, { "operator": "greater", "arg_1": "#2", "arg_2": "300", "resp": "TRUE" }, { "operator": "if", "arg_1": "#3", "arg_2": "Yes,No", "resp": "TRUE" } ], "program": [ "multiply(4000, 0.155)", "divide(10, 12)", "multiply(#0, #1)", "greater(#2, 300)", "if(#3, Yes,No)" ], "question_tense": "THIRD", "financial_terms": [ "PURCHASE APR", "ACCOUNT BALANCE", "CONDITIONAL FINANCIAL RULE" ], "credit_card": "US_Bank_Personal_LOC.md" }, { "question": "Will the APR for balance transfer exceed the 18% threshhold if the prime rate increases to 9%, when it is set as Prime + 7%?", "ground_truth": "FALSE", "output_units": "binary", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 3, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "add", "arg_1": "9", "arg_2": "7", "resp": 16 }, { "operator": "greater", "arg_1": "#0", "arg_2": "18", "resp": "FALSE" }, { "operator": "if", "arg_1": "#1", "arg_2": "Yes,No", "resp": "FALSE" } ], "program": [ "add(9, 7)", "greater(#0, 18)", "if(#1, Yes,No)" ], "question_tense": "THIRD", "financial_terms": [ "PRIME RATE", "BALANCE TRANSFER APR", "ACCOUNT BALANCE", "PRIME-INDEXED APR", "CONDITIONAL FINANCIAL RULE" ], "credit_card": "US_Bank_Personal_LOC.md" }, { "question": "Will a transfer balance accumulate more than $210 if it's $3,150 for 12 months?", "ground_truth": "TRUE", "output_units": "binary", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "3125", "arg_2": "0.155", "resp": 484.375 }, { "operator": "greater", "arg_1": "#0", "arg_2": "210", "resp": "TRUE" }, { "operator": "if", "arg_1": "#1", "arg_2": "Yes,No", "resp": "TRUE" } ], "program": [ "multiply(3125, 0.155)", "greater(#0, 210)", "if(#1, Yes,No)" ], "question_tense": "THIRD", "financial_terms": [ "BALANCE TRANSFER", "ACCOUNT BALANCE", "CONDITIONAL FINANCIAL RULE" ], "credit_card": "US_Bank_Personal_LOC.md" }, { "question": "A credit card issuer sets its minimum purchase amount for dispute at $100. A customer makes a purchase overseas of 98$. If the foreign transaction fee of 3% is included in the purchase, will the customer be able to dispute the transaction?", "ground_truth": "TRUE", "output_units": "binary", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "98", "arg_2": "0.03", "resp": 2.94 }, { "operator": "add", "arg_1": "#0", "arg_2": "98", "resp": 100.94 }, { "operator": "greater", "arg_1": "#1", "arg_2": "100", "resp": "TRUE" } ], "program": [ "multiply(98, 0.03)", "add(#0, 98)", "greater(#1, 100)" ], "question_tense": "THIRD", "financial_terms": [ "PURCHASE TRANSACTION", "FOREIGN TRANSACTION FEE", "RETURNED PAYMENT", "BILLING ERROR", "MINIMUM FEE RULE", "TRANSACTION FEE CALCULATION", "CHASE CARD TERMS" ], "credit_card": "US_Bank_Personal_LOC.md" }, { "question": "How many more months does it take for an armed forces member to accrue $600 in interest on $1,000 balance using the maximum allowed APR for armed forces compared to a standard 45% APR? (Assume daily compounding and each month is 31 days)?", "ground_truth": "4", "output_units": "month", "input_units": { "from_doc": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "600", "arg_2": "1000", "resp": 0.6 }, { "operator": "add", "arg_1": "1", "arg_2": "#0", "resp": 1.6 }, { "operator": "ln", "arg_1": "#1", "resp": 0.47000362924573563 }, { "operator": "divide", "arg_1": "0.36", "arg_2": "365", "resp": 0.0009863013698630137 }, { "operator": "add", "arg_1": "1", "arg_2": "#3", "resp": 1.000986301369863 }, { "operator": "ln", "arg_1": "#4", "resp": 0.0009858152942520046 }, { "operator": "divide", "arg_1": "#2", "arg_2": "#5", "resp": 476.7664206329389 }, { "operator": "divide", "arg_1": "0.45", "arg_2": "365", "resp": 0.001232876712328767 }, { "operator": "add", "arg_1": "1", "arg_2": "#7", "resp": 1.0012328767123289 }, { "operator": "ln", "arg_1": "#8", "resp": 0.0012321173439093004 }, { "operator": "divide", "arg_1": "#2", "arg_2": "#9", "resp": 381.4601195000579 }, { "operator": "subtract", "arg_1": "#6", "arg_2": "#10", "resp": 95.306301132881 }, { "operator": "divide", "arg_1": "#11", "arg_2": "31", "resp": 3.074396810738097 }, { "operator": "ceil", "arg_1": "#12", "resp": 4 } ], "program": [ "divide(600, 1000)", "add(1, #0)", "ln(#1)", "divide(0.36, 365)", "add(1, #3)", "ln(#4)", "divide(#2, #5)", "divide(0.45, 365)", "add(1, #7)", "ln(#8)", "divide(#2, #9)", "subtract(#6, #10)", "divide(#11, 31)", "ceil(#12)" ], "question_tense": "THIRD", "financial_terms": [ "ACCOUNT BALANCE", "MILITARY LENDING APR", "DAILY COMPOUNDING", "DAILY COMPOUNDING INTEREST", "ONE-DAY INTEREST", "ROUND-UP RULE", "365-DAY RATE BASIS", "LOGARITHMIC PAYOFF CALCULATION", "INTEREST OWED" ], "credit_card": "US_Bank_Visa_Signature_and_World_Mastercard_Accounts.md" }, { "question": "If the Applied Index Value is 8.50% and the minimum margin/offset for Cash Advances is applied, how many years have passed if the interest accrued equals 146.2% of the original balance, assuming daily compounding? (Round to the next highest year)?", "ground_truth": "4", "output_units": "year", "input_units": { "from_doc": { "%": 3, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 3, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "add", "arg_1": "20.74", "arg_2": "8.5", "resp": 29.24 }, { "operator": "min", "arg_1": "29.24", "arg_2": "#0", "resp": 29.24 }, { "operator": "divide", "arg_1": "#1", "arg_2": "100", "resp": 0.2924 }, { "operator": "divide", "arg_1": "#2", "arg_2": "365", "resp": 0.0008010958904109589 }, { "operator": "add", "arg_1": "1", "arg_2": "#3", "resp": 1.000801095890411 }, { "operator": "divide", "arg_1": "146.2", "arg_2": "100", "resp": 1.462 }, { "operator": "add", "arg_1": "1", "arg_2": "#5", "resp": 2.4619999999999997 }, { "operator": "ln", "arg_1": "#4", "resp": 0.0008007751843642813 }, { "operator": "ln", "arg_1": "#6", "resp": 0.9009740277622617 }, { "operator": "divide", "arg_1": "#8", "arg_2": "#7", "resp": 1125.1273083312717 }, { "operator": "divide", "arg_1": "#9", "arg_2": "365", "resp": 3.0825405707706075 }, { "operator": "ceil", "arg_1": "#10", "resp": 4 } ], "program": [ "add(20.74, 8.5)", "min(29.24, #0)", "divide(#1, 100)", "divide(#2, 365)", "add(1, #3)", "divide(146.2, 100)", "add(1, #5)", "ln(#4)", "ln(#6)", "divide(#8, #7)", "divide(#9, 365)", "ceil(#10)" ], "question_tense": "THIRD", "financial_terms": [ "PRIME RATE", "CASH ADVANCE APR", "ACCOUNT BALANCE", "DAILY COMPOUNDING", "DAILY COMPOUNDING INTEREST", "ROUND-UP RULE", "365-DAY RATE BASIS", "MINIMUM SELECTION", "LOGARITHMIC PAYOFF CALCULATION", "PERCENTAGE-BASED FEE" ], "credit_card": "US_Bank_Visa_Signature_and_World_Mastercard_Accounts.md" }, { "question": "A cardholder has a choice between this card with maximum APR for Purchases (Card A), a card that has a fixed interest of $400 per year (Card B), and a card with 20% APR for Purchases (Card C). Given the cardholder spends $16000 per year, which card is the cheapest?", "ground_truth": "card b", "output_units": "categorical", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "400", "arg_2": "16000", "resp": 0.025 }, { "operator": "less", "arg_1": "#0", "arg_2": "0.2999", "resp": "TRUE" }, { "operator": "less", "arg_1": "#0", "arg_2": "0.2", "resp": "TRUE" }, { "operator": "if", "arg_1": "#2", "arg_2": "Card B", "arg_3": "Card C", "resp": "Card B" }, { "operator": "less", "arg_1": "0.2", "arg_2": "0.2999", "resp": "TRUE" }, { "operator": "if", "arg_1": "#4", "arg_2": "Card C", "arg_3": "Card A", "resp": "Card C" }, { "operator": "if", "arg_1": "#1", "arg_2": "#3", "arg_3": "#5", "resp": "Card B" } ], "program": [ "divide(400, 16000)", "less(#0, 0.2999)", "less(#0, 0.2)", "if(#2, Card B, Card C)", "less(0.2, 0.2999)", "if(#4, Card C, Card A)", "if(#1, #3, #5)" ], "question_tense": "THIRD", "financial_terms": [ "PROMOTIONAL APR", "PURCHASE APR", "MAXIMUM APR TEST", "CARD OPTION COMPARISON", "CONDITIONAL FINANCIAL RULE", "CHASE CARD TERMS", "ANNUALIZED FEE", "ZERO PERCENT PROMOTIONAL APR" ], "credit_card": "US_Bank_Visa_Signature_and_World_Mastercard_Accounts.md" }, { "question": "If a cardholder makes a purchase on March 3rd for $100, and the prime rate is 10%, how many years will pass before they owe $160 using the daily compounding method in the agreement?", "ground_truth": "4", "output_units": "year", "input_units": { "from_doc": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 3, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "0.0524", "arg_2": "100", "resp": 5.24 }, { "operator": "multiply", "arg_1": "0.1", "arg_2": "100", "resp": 10.0 }, { "operator": "add", "arg_1": "#1", "arg_2": "#0", "resp": 15.24 }, { "operator": "divide", "arg_1": "#2", "arg_2": "100", "resp": 0.1524 }, { "operator": "divide", "arg_1": "#3", "arg_2": "365", "resp": 0.0004175342465753425 }, { "operator": "divide", "arg_1": "160", "arg_2": "100", "resp": 1.6 }, { "operator": "ln", "arg_1": "#5", "resp": 0.47000362924573563 }, { "operator": "add", "arg_1": "1", "arg_2": "#4", "resp": 1.0004175342465753 }, { "operator": "ln", "arg_1": "#7", "resp": 0.00041744710340777533 }, { "operator": "divide", "arg_1": "#6", "arg_2": "#8", "resp": 1125.8998455347323 }, { "operator": "divide", "arg_1": "#9", "arg_2": "365", "resp": 3.084657111054061 }, { "operator": "ceil", "arg_1": "#10", "resp": 4 } ], "program": [ "multiply(0.0524, 100)", "multiply(0.1, 100)", "add(#1, #0)", "divide(#2, 100)", "divide(#3, 365)", "divide(160, 100)", "ln(#5)", "add(1, #4)", "ln(#7)", "divide(#6, #8)", "divide(#9, 365)", "ceil(#10)" ], "question_tense": "THIRD", "financial_terms": [ "PRIME RATE", "PURCHASE TRANSACTION", "DAILY COMPOUNDING", "DAILY COMPOUNDING INTEREST", "ROUND-UP RULE", "365-DAY RATE BASIS", "LOGARITHMIC PAYOFF CALCULATION", "CHASE CARD TERMS" ], "credit_card": "US_Bank_Visa_Signature_and_World_Mastercard_Accounts.md" }, { "question": "A cardholder had $3000 on his credit card which he transferred at some point. He now checks his account and he has $4740 balance owed. Given that he has not made any purchases since he made his balance transfer, he believes his balance to be due to the APR for Balance Transfers (he has the maximum defined APR for Balance Transfers in the agreement). If this is true, how many years have passed since he first transferred his balance? (Use daily compounding as specified in the agreement and round up)?", "ground_truth": "2", "output_units": "year", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "4740", "arg_2": "3000", "resp": 1.58 }, { "operator": "ln", "arg_1": "#0", "resp": 0.4574248470388755 }, { "operator": "divide", "arg_1": "0.2999", "arg_2": "365", "resp": 0.0008216438356164384 }, { "operator": "add", "arg_1": "#2", "arg_2": "1", "resp": 1.0008216438356163 }, { "operator": "ln", "arg_1": "#3", "resp": 0.0008213064711030348 }, { "operator": "divide", "arg_1": "#1", "arg_2": "#4", "resp": 556.9478180593691 }, { "operator": "divide", "arg_1": "#5", "arg_2": "365", "resp": 1.5258844330393673 }, { "operator": "ceil", "arg_1": "#6", "resp": 2 } ], "program": [ "divide(4740, 3000)", "ln(#0)", "divide(0.2999, 365)", "add(#2, 1)", "ln(#3)", "divide(#1, #4)", "divide(#5, 365)", "ceil(#6)" ], "question_tense": "THIRD", "financial_terms": [ "BALANCE TRANSFER APR", "PURCHASE APR", "ACCOUNT BALANCE", "DAILY COMPOUNDING", "DAILY COMPOUNDING INTEREST", "ROUND-UP RULE", "365-DAY RATE BASIS", "LOGARITHMIC PAYOFF CALCULATION", "CHASE CARD TERMS" ], "credit_card": "US_Bank_Visa_Signature_and_World_Mastercard_Accounts.md" }, { "question": "According to the range for APR for Balance Transfers in the agreement, what is the most amount of years that it will take for a person to gain $40 interest on $120 balance transfer? (Using the daily compounding as specified in the agreement)?", "ground_truth": "3", "output_units": "year", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "add", "arg_1": "40", "arg_2": "120", "resp": 160.0 }, { "operator": "divide", "arg_1": "#0", "arg_2": "120", "resp": 1.3333333333333333 }, { "operator": "ln", "arg_1": "#1", "resp": 0.28768207245178085 }, { "operator": "divide", "arg_1": "0.1374", "arg_2": "365", "resp": 0.00037643835616438357 }, { "operator": "add", "arg_1": "#3", "arg_2": "1", "resp": 1.0003764383561644 }, { "operator": "ln", "arg_1": "#4", "resp": 0.0003763675210225664 }, { "operator": "divide", "arg_1": "#2", "arg_2": "#5", "resp": 764.3647668379224 }, { "operator": "divide", "arg_1": "#6", "arg_2": "365", "resp": 2.0941500461312943 }, { "operator": "ceil", "arg_1": "#7", "resp": 3 } ], "program": [ "add(40, 120)", "divide(#0, 120)", "ln(#1)", "divide(0.1374, 365)", "add(#3, 1)", "ln(#4)", "divide(#2, #5)", "divide(#6, 365)", "ceil(#7)" ], "question_tense": "THIRD", "financial_terms": [ "BALANCE TRANSFER APR", "ACCOUNT BALANCE", "DAILY COMPOUNDING", "DAILY COMPOUNDING INTEREST", "ROUND-UP RULE", "365-DAY RATE BASIS", "LOGARITHMIC PAYOFF CALCULATION", "INTEREST OWED" ], "credit_card": "US_Bank_Visa_Signature_and_World_Mastercard_Accounts.md" }, { "question": "If a cardholder's Prime Rate is 14.76%, and their APR for Purchases is Prime + 5.24% to 29.99% (limit between 13.74% to 29.99%), how many years have passed after they had an account balance of $1000 and charged $800 in interest using daily compounding?", "ground_truth": "3", "output_units": "year", "input_units": { "from_doc": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "add", "arg_1": "0.1476", "arg_2": "0.0524", "resp": 0.2 }, { "operator": "add", "arg_1": "1000", "arg_2": "800", "resp": 1800.0 }, { "operator": "divide", "arg_1": "#1", "arg_2": "1000", "resp": 1.8 }, { "operator": "ln", "arg_1": "#2", "resp": 0.5877866649021191 }, { "operator": "divide", "arg_1": "#0", "arg_2": "365", "resp": 0.0005479452054794521 }, { "operator": "add", "arg_1": "#4", "arg_2": "1", "resp": 1.0005479452054795 }, { "operator": "ln", "arg_1": "#5", "resp": 0.0005477951383219629 }, { "operator": "divide", "arg_1": "#3", "arg_2": "#6", "resp": 1073.0045299464693 }, { "operator": "divide", "arg_1": "#7", "arg_2": "365", "resp": 2.939738438209505 }, { "operator": "ceil", "arg_1": "#8", "resp": 3 } ], "program": [ "add(0.1476, 0.0524)", "add(1000, 800)", "divide(#1, 1000)", "ln(#2)", "divide(#0, 365)", "add(#4, 1)", "ln(#5)", "divide(#3, #6)", "divide(#7, 365)", "ceil(#8)" ], "question_tense": "THIRD", "financial_terms": [ "PRIME RATE", "PURCHASE APR", "ACCOUNT BALANCE", "DAILY COMPOUNDING", "PRIME-INDEXED APR", "DAILY COMPOUNDING INTEREST", "ROUND-UP RULE", "365-DAY RATE BASIS", "LOGARITHMIC PAYOFF CALCULATION", "CHASE CARD TERMS" ], "credit_card": "US_Bank_Visa_Signature_and_World_Mastercard_Accounts.md" }, { "question": "Given the maximum APR for Balance Transfers, how many years does it take to gather at least 91% interest on $400 using daily compounding as specified in the agreement?", "ground_truth": "3", "output_units": "year", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "add", "arg_1": "0.91", "arg_2": "1", "resp": 1.9100000000000001 }, { "operator": "ln", "arg_1": "#0", "resp": 0.6471032420585385 }, { "operator": "divide", "arg_1": "0.2999", "arg_2": "365", "resp": 0.0008216438356164384 }, { "operator": "add", "arg_1": "#2", "arg_2": "1", "resp": 1.0008216438356163 }, { "operator": "ln", "arg_1": "#3", "resp": 0.0008213064711030348 }, { "operator": "divide", "arg_1": "#1", "arg_2": "#4", "resp": 787.8949756592846 }, { "operator": "divide", "arg_1": "#5", "arg_2": "365", "resp": 2.158616371669273 }, { "operator": "ceil", "arg_1": "#6", "resp": 3 } ], "program": [ "add(0.91, 1)", "ln(#0)", "divide(0.2999, 365)", "add(#2, 1)", "ln(#3)", "divide(#1, #4)", "divide(#5, 365)", "ceil(#6)" ], "question_tense": "THIRD", "financial_terms": [ "BALANCE TRANSFER APR", "ACCOUNT BALANCE", "DAILY COMPOUNDING", "MAXIMUM APR TEST", "DAILY COMPOUNDING INTEREST", "ROUND-UP RULE", "365-DAY RATE BASIS", "LOGARITHMIC PAYOFF CALCULATION", "INTEREST OWED" ], "credit_card": "US_Bank_Visa_Signature_and_World_Mastercard_Accounts.md" }, { "question": "A cardholder makes a purchase of $34000 on their credit card and leaves it unpaid for some years. With a 23.5% APR for Purchases per year compounded daily as specified in the agreement, how many years passed for them to accrue interest equal to 47% of the original balance?", "ground_truth": "2", "output_units": "year", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "34000", "arg_2": "0.47", "resp": 15980.0 }, { "operator": "divide", "arg_1": "0.235", "arg_2": "365", "resp": 0.0006438356164383561 }, { "operator": "add", "arg_1": "1", "arg_2": "#1", "resp": 1.0006438356164384 }, { "operator": "add", "arg_1": "1", "arg_2": "0.47", "resp": 1.47 }, { "operator": "ln", "arg_1": "#3", "resp": 0.3852624007906449 }, { "operator": "ln", "arg_1": "#2", "resp": 0.0006436284432068408 }, { "operator": "divide", "arg_1": "#4", "arg_2": "#5", "resp": 598.5788926155868 }, { "operator": "divide", "arg_1": "#6", "arg_2": "365", "resp": 1.639942171549553 }, { "operator": "ceil", "arg_1": "#7", "resp": 2 } ], "program": [ "multiply(34000, 0.47)", "divide(0.235, 365)", "add(1, #1)", "add(1, 0.47)", "ln(#3)", "ln(#2)", "divide(#4, #5)", "divide(#6, 365)", "ceil(#7)" ], "question_tense": "THIRD", "financial_terms": [ "PURCHASE APR", "ACCOUNT BALANCE", "DAILY COMPOUNDING", "DAILY COMPOUNDING INTEREST", "ROUND-UP RULE", "365-DAY RATE BASIS", "LOGARITHMIC PAYOFF CALCULATION", "CHASE CARD TERMS", "PERCENTAGE-BASED FEE", "ANNUALIZED FEE" ], "credit_card": "US_Bank_Visa_Signature_and_World_Mastercard_Accounts.md" }, { "question": "If a cardholder is a dependent of an armed forces member, how many months will it take for them to accrue $300 in interest on $5000 balance in the worst case scenario (highest interest)?", "ground_truth": "2", "output_units": "month", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "add", "arg_1": "300", "arg_2": "5000", "resp": 5300.0 }, { "operator": "divide", "arg_1": "0.36", "arg_2": "365", "resp": 0.0009863013698630137 }, { "operator": "add", "arg_1": "1", "arg_2": "#1", "resp": 1.000986301369863 }, { "operator": "divide", "arg_1": "#0", "arg_2": "5000", "resp": 1.06 }, { "operator": "ln", "arg_1": "#2", "resp": 0.0009858152942520046 }, { "operator": "ln", "arg_1": "#3", "resp": 0.058268908123975824 }, { "operator": "divide", "arg_1": "#5", "arg_2": "#4", "resp": 59.10732818178463 }, { "operator": "divide", "arg_1": "#6", "arg_2": "30", "resp": 1.9702442727261544 }, { "operator": "ceil", "arg_1": "#7", "resp": 2 } ], "program": [ "add(300, 5000)", "divide(0.36, 365)", "add(1, #1)", "divide(#0, 5000)", "ln(#2)", "ln(#3)", "divide(#5, #4)", "divide(#6, 30)", "ceil(#7)" ], "question_tense": "THIRD", "financial_terms": [ "ACCOUNT BALANCE", "MILITARY LENDING APR", "PAYOFF TIME", "ROUND-UP RULE", "365-DAY RATE BASIS", "LOGARITHMIC PAYOFF CALCULATION", "INTEREST OWED" ], "credit_card": "US_Bank_Visa_Signature_and_World_Mastercard_Accounts.md" }, { "question": "A customer has an outstanding balance of $1000 and missed their first payment. What is the minimum payment due the next month if the customer does not payoff the payment for the rest of the month and also does not buy anything else? The penalty APR is 29.99%, the purchase APR is 15%, and this is a new card. Assume the interest is compounded daily, assume the average month has 30 days, and give the answer in dollars rounded to two places after the decimal point?", "ground_truth": "88.05", "output_units": "$", "input_units": { "from_doc": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "15", "arg_2": "36500", "resp": 0.000410958904109589 }, { "operator": "add", "arg_1": "1", "arg_2": "#0", "resp": 1.0004109589041097 }, { "operator": "exponent", "arg_1": "#1", "arg_2": "30", "resp": 1.0124025156348793 }, { "operator": "multiply", "arg_1": "#2", "arg_2": "1000", "resp": 1012.4025156348793 }, { "operator": "subtract", "arg_1": "#3", "arg_2": "1000", "resp": 12.402515634879226 }, { "operator": "divide", "arg_1": "1000", "arg_2": "100", "resp": 10 }, { "operator": "add", "arg_1": "#4", "arg_2": "#5", "resp": 22.402515634879226 }, { "operator": "add", "arg_1": "#6", "arg_2": "29", "resp": 51.40251563487923 }, { "operator": "max", "arg_1": "#7", "arg_2": "40", "resp": 51.40251563487923 }, { "operator": "divide", "arg_1": "29.99", "arg_2": "36500", "resp": 0.0008216438356164383 }, { "operator": "add", "arg_1": "1", "arg_2": "#9", "resp": 1.0008216438356163 }, { "operator": "exponent", "arg_1": "#10", "arg_2": "30", "resp": 1.0249452475436995 }, { "operator": "add", "arg_1": "#3", "arg_2": "29", "resp": 1041.4025156348791 }, { "operator": "multiply", "arg_1": "#12", "arg_2": "#11", "resp": 1067.3805591800226 }, { "operator": "subtract", "arg_1": "#13", "arg_2": "#12", "resp": 25.978043545143493 }, { "operator": "add", "arg_1": "#14", "arg_2": "#8", "resp": 77.38055918002271 }, { "operator": "divide", "arg_1": "#13", "arg_2": "100", "resp": 10.673805591800226 }, { "operator": "add", "arg_1": "#16", "arg_2": "#15", "resp": 88.05436477182295 }, { "operator": "max", "arg_1": "#17", "arg_2": "40", "resp": 88.05436477182295 }, { "operator": "round", "arg_1": "#18", "arg_2": "2", "resp": 88.05 } ], "program": [ "divide(15, 36500)", "add(1, #0)", "exponent(#1, 30)", "multiply(#2, 1000)", "subtract(#3, 1000)", "divide(1000, 100)", "add(#4, #5)", "add(#6, 29)", "max(#7, 40)", "divide(29.99, 36500)", "add(1, #9)", "exponent(#10, 30)", "add(#3, 29)", "multiply(#12, #11)", "subtract(#13, #12)", "add(#14, #8)", "divide(#13, 100)", "add(#16, #15)", "max(#17, 40)", "round(#18, 2)" ], "question_tense": "THIRD", "financial_terms": [ "PENALTY APR", "PURCHASE APR", "LATE PAYMENT", "MINIMUM PAYMENT", "ACCOUNT BALANCE", "DAILY COMPOUNDING", "DAILY COMPOUNDING INTEREST", "THIRTY-DAY INTEREST", "MINIMUM PAYMENT FORMULA", "OUTSTANDING BALANCE", "ROUNDING RULE", "365-DAY RATE BASIS", "MAXIMUM SELECTION", "EXPONENTIAL INTEREST CALCULATION", "MINIMUM PAYMENT DUE" ], "credit_card": "Visa Agreement (for in-branch offers).pdf-255597.md" }, { "question": "A customer makes a purchase of $1000 at a purchase APR of 17%. If they don't make any payments, how many months can pass before the daily compounding interest goes over $75? Round down to a whole number of months while assuming there are average of 30 days per month?", "ground_truth": "5", "output_units": "month", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "75", "arg_2": "1000", "resp": 0.075 }, { "operator": "add", "arg_1": "1", "arg_2": "#0", "resp": 1.075 }, { "operator": "divide", "arg_1": "17", "arg_2": "36500", "resp": 0.00046575342465753425 }, { "operator": "add", "arg_1": "1", "arg_2": "#2", "resp": 1.0004657534246575 }, { "operator": "ln", "arg_1": "#1", "arg_2": "1", "resp": 0.07232066157962608 }, { "operator": "ln", "arg_1": "#3", "arg_2": "1", "resp": 0.00046564499519748744 }, { "operator": "divide", "arg_1": "#4", "arg_2": "#5", "resp": 155.31287209251275 }, { "operator": "divide", "arg_1": "#6", "arg_2": "30", "resp": 5.177095736417091 }, { "operator": "multiply", "arg_1": "#7", "arg_2": "-1", "resp": -5.177095736417091 }, { "operator": "ceil", "arg_1": "#8", "arg_2": "1", "resp": -5 }, { "operator": "multiply", "arg_1": "#9", "arg_2": "-1", "resp": 5 } ], "program": [ "divide(75, 1000)", "add(1, #0)", "divide(17, 36500)", "add(1, #2)", "ln(#1, 1)", "ln(#3, 1)", "divide(#4, #5)", "divide(#6, 30)", "multiply(#7, -1)", "ceil(#8, 1)", "multiply(#9, -1)" ], "question_tense": "THIRD", "financial_terms": [ "PURCHASE APR", "DAILY COMPOUNDING", "PAYOFF TIME", "DAILY COMPOUNDING INTEREST", "THIRTY-DAY INTEREST", "MONTHLY PAYMENT", "ROUND-UP RULE", "365-DAY RATE BASIS", "LOGARITHMIC PAYOFF CALCULATION", "CHASE CARD TERMS" ], "credit_card": "Visa Agreement (for in-branch offers).pdf-255597.md" }, { "question": "A customer takes out a cash advance of $500 at an APR of 15.5%. If they don't make any payments, how long will it take for the interest owed to be over $100? Assume the interest is compounded daily and that there are on avereage 30 days per month. Round up to the next whole number of months?", "ground_truth": "15", "output_units": "month", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "100", "arg_2": "500", "resp": 0.2 }, { "operator": "add", "arg_1": "1", "arg_2": "#0", "resp": 1.2 }, { "operator": "divide", "arg_1": "15.5", "arg_2": "36500", "resp": 0.00042465753424657536 }, { "operator": "add", "arg_1": "#2", "arg_2": "1", "resp": 1.0004246575342466 }, { "operator": "ln", "arg_1": "#1", "arg_2": "1", "resp": 0.1823215567939546 }, { "operator": "ln", "arg_1": "#3", "arg_2": "1", "resp": 0.00042456737977915283 }, { "operator": "divide", "arg_1": "#4", "arg_2": "#5", "resp": 429.4290138747912 }, { "operator": "divide", "arg_1": "#6", "arg_2": "30", "resp": 14.31430046249304 }, { "operator": "ceil", "arg_1": "#7", "arg_2": "1", "resp": 15 } ], "program": [ "divide(100, 500)", "add(1, #0)", "divide(15.5, 36500)", "add(#2, 1)", "ln(#1, 1)", "ln(#3, 1)", "divide(#4, #5)", "divide(#6, 30)", "ceil(#7, 1)" ], "question_tense": "THIRD", "financial_terms": [ "CASH ADVANCE APR", "DAILY COMPOUNDING", "PAYOFF TIME", "DAILY COMPOUNDING INTEREST", "THIRTY-DAY INTEREST", "MONTHLY PAYMENT", "ROUND-UP RULE", "365-DAY RATE BASIS", "LOGARITHMIC PAYOFF CALCULATION", "INTEREST OWED" ], "credit_card": "Visa Agreement (for in-branch offers).pdf-255597.md" }, { "question": "A user makes a purchase using the card of $500 and hasn't made any payments to decrease the balance. The daily compounding interest owed by the customer has accumulated to approximatly $41 and the purchase APR is 16%, how many months has it been since the purchase was made? Round to the nearest whole number of months assuming average of 30 days per month?", "ground_truth": "6", "output_units": "month", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "add", "arg_1": "500", "arg_2": "41", "resp": 541 }, { "operator": "divide", "arg_1": "#0", "arg_2": "500", "resp": 1.082 }, { "operator": "divide", "arg_1": "16", "arg_2": "36500", "resp": 0.00043835616438356166 }, { "operator": "add", "arg_1": "1", "arg_2": "#2", "resp": 1.0004383561643835 }, { "operator": "ln", "arg_1": "#1", "arg_2": "1", "resp": 0.07881118042428985 }, { "operator": "ln", "arg_1": "#3", "arg_2": "1", "resp": 0.00043826011438843324 }, { "operator": "divide", "arg_1": "#4", "arg_2": "#5", "resp": 179.82740805484048 }, { "operator": "divide", "arg_1": "#6", "arg_2": "30", "resp": 5.994246935161349 }, { "operator": "round", "arg_1": "#7", "arg_2": "0", "resp": 6 } ], "program": [ "add(500, 41)", "divide(#0, 500)", "divide(16, 36500)", "add(1, #2)", "ln(#1, 1)", "ln(#3, 1)", "divide(#4, #5)", "divide(#6, 30)", "round(#7, 0)" ], "question_tense": "THIRD", "financial_terms": [ "PURCHASE APR", "ACCOUNT BALANCE", "DAILY COMPOUNDING", "PAYOFF TIME", "DAILY COMPOUNDING INTEREST", "THIRTY-DAY INTEREST", "MONTHLY PAYMENT", "ROUNDING RULE", "365-DAY RATE BASIS", "LOGARITHMIC PAYOFF CALCULATION", "CHASE CARD TERMS", "INTEREST OWED" ], "credit_card": "Visa Agreement (for in-branch offers).pdf-255597.md" }, { "question": "A customer has taken out $100 on a chase plan loan and hasn't made any payments to decrease the balance. The daily compounding interest has accumulated to $3.78 and the purchase APR is 16%, how many months has it been since the purchase was made? Round to the nearest whole number number of months assuming that there are 30 days per month on average?", "ground_truth": "3", "output_units": "month", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "3.78", "arg_2": "100", "resp": 0.0378 }, { "operator": "add", "arg_1": "1", "arg_2": "#0", "resp": 1.0378 }, { "operator": "divide", "arg_1": "16", "arg_2": "36500", "resp": 0.00043835616438356166 }, { "operator": "add", "arg_1": "#2", "arg_2": "1", "resp": 1.0004383561643835 }, { "operator": "ln", "arg_1": "#1", "arg_2": "1", "resp": 0.03710308795150226 }, { "operator": "ln", "arg_1": "#3", "arg_2": "1", "resp": 0.00043826011438843324 }, { "operator": "divide", "arg_1": "#4", "arg_2": "#5", "resp": 84.6599695782891 }, { "operator": "divide", "arg_1": "#6", "arg_2": "30", "resp": 2.8219989859429697 }, { "operator": "round", "arg_1": "#7", "arg_2": "0", "resp": 3 } ], "program": [ "divide(3.78, 100)", "add(1, #0)", "divide(16, 36500)", "add(#2, 1)", "ln(#1, 1)", "ln(#3, 1)", "divide(#4, #5)", "divide(#6, 30)", "round(#7, 0)" ], "question_tense": "THIRD", "financial_terms": [ "PURCHASE APR", "ACCOUNT BALANCE", "DAILY COMPOUNDING", "PAYOFF TIME", "DAILY COMPOUNDING INTEREST", "THIRTY-DAY INTEREST", "MONTHLY PAYMENT", "LOAN REPAYMENT", "ROUNDING RULE", "365-DAY RATE BASIS", "LOGARITHMIC PAYOFF CALCULATION", "CHASE CARD TERMS" ], "credit_card": "Visa Agreement (for in-branch offers).pdf-255597.md" }, { "question": "If the daily compounding interest owed on a chase plan loan of $1000 at an APR of 15.25% has accumulated to $237.26, how many years has the balance been outstanding? Round the answer in years to one digit after the decimal point?", "ground_truth": "1.4", "output_units": "year", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "237.26", "arg_2": "1000", "resp": 0.23726 }, { "operator": "add", "arg_1": "1", "arg_2": "#0", "resp": 1.23726 }, { "operator": "divide", "arg_1": "15.25", "arg_2": "36500", "resp": 0.0004178082191780822 }, { "operator": "add", "arg_1": "#2", "arg_2": "1", "resp": 1.0004178082191781 }, { "operator": "ln", "arg_1": "#1", "arg_2": "1", "resp": 0.2128992572580928 }, { "operator": "ln", "arg_1": "#3", "arg_2": "1", "resp": 0.0004177209616279016 }, { "operator": "divide", "arg_1": "#4", "arg_2": "#5", "resp": 509.6685989336098 }, { "operator": "divide", "arg_1": "#6", "arg_2": "365", "resp": 1.3963523258455064 }, { "operator": "round", "arg_1": "#7", "arg_2": "1", "resp": 1.4 } ], "program": [ "divide(237.26, 1000)", "add(1, #0)", "divide(15.25, 36500)", "add(#2, 1)", "ln(#1, 1)", "ln(#3, 1)", "divide(#4, #5)", "divide(#6, 365)", "round(#7, 1)" ], "question_tense": "THIRD", "financial_terms": [ "PAYMENT PLAN", "ACCOUNT BALANCE", "DAILY COMPOUNDING", "DAILY COMPOUNDING INTEREST", "LOAN REPAYMENT", "ROUNDING RULE", "365-DAY RATE BASIS", "LOGARITHMIC PAYOFF CALCULATION", "CHASE CARD TERMS", "INTEREST OWED" ], "credit_card": "Visa Agreement (for in-branch offers).pdf-255597.md" }, { "question": "If the interest owed on a cash advance of $2000 resulting from a balance transfer at an APR of 25% has accumulated to $906.25, how long has the balance been outstanding? Give the answer in years rounded to one place after the decimal while assuming that the interest compounds daily?", "ground_truth": "1.5", "output_units": "year", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "906.25", "arg_2": "2000", "resp": 0.453125 }, { "operator": "add", "arg_1": "1", "arg_2": "#0", "resp": 1.453125 }, { "operator": "divide", "arg_1": "25", "arg_2": "36500", "resp": 0.0006849315068493151 }, { "operator": "add", "arg_1": "#2", "arg_2": "1", "resp": 1.0006849315068493 }, { "operator": "ln", "arg_1": "#1", "arg_2": "1", "resp": 0.37371640979358406 }, { "operator": "ln", "arg_1": "#3", "arg_2": "1", "resp": 0.0006846970483173846 }, { "operator": "divide", "arg_1": "#4", "arg_2": "#5", "resp": 545.8127951799662 }, { "operator": "divide", "arg_1": "#6", "arg_2": "365", "resp": 1.4953775210410032 }, { "operator": "round", "arg_1": "#7", "arg_2": "1", "resp": 1.5 } ], "program": [ "divide(906.25, 2000)", "add(1, #0)", "divide(25, 36500)", "add(#2, 1)", "ln(#1, 1)", "ln(#3, 1)", "divide(#4, #5)", "divide(#6, 365)", "round(#7, 1)" ], "question_tense": "THIRD", "financial_terms": [ "CASH ADVANCE APR", "BALANCE TRANSFER APR", "ACCOUNT BALANCE", "PAYOFF TIME", "ROUNDING RULE", "365-DAY RATE BASIS", "LOGARITHMIC PAYOFF CALCULATION", "INTEREST OWED" ], "credit_card": "Visa Agreement (for in-branch offers).pdf-255597.md" }, { "question": "If the daily compounding interest owed on a purchase balance of $1000 at a purchase APR of 20% has accumulated to $440, how long (in years) has the balance been outstanding? Round to 2 decimal places?", "ground_truth": "1.82", "output_units": "year", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "440", "arg_2": "1000", "resp": 0.44 }, { "operator": "divide", "arg_1": "20", "arg_2": "100", "resp": 0.2 }, { "operator": "divide", "arg_1": "#1", "arg_2": "365", "resp": 0.0005479452054794521 }, { "operator": "add", "arg_1": "1", "arg_2": "#2", "resp": 1.0005479452054795 }, { "operator": "add", "arg_1": "1", "arg_2": "#0", "resp": 1.44 }, { "operator": "ln", "arg_1": "#3", "arg_2": "1", "resp": 0.0005477951383219629 }, { "operator": "ln", "arg_1": "#4", "arg_2": "1", "resp": 0.36464311358790924 }, { "operator": "divide", "arg_1": "#6", "arg_2": "#5", "resp": 665.6559872088399 }, { "operator": "divide", "arg_1": "#7", "arg_2": "365", "resp": 1.8237150334488763 }, { "operator": "round", "arg_1": "#8", "arg_2": "2", "resp": 1.82 } ], "program": [ "divide(440, 1000)", "divide(20, 100)", "divide(#1, 365)", "add(1, #2)", "add(1, #0)", "ln(#3, 1)", "ln(#4, 1)", "divide(#6, #5)", "divide(#7, 365)", "round(#8, 2)" ], "question_tense": "THIRD", "financial_terms": [ "PURCHASE APR", "ACCOUNT BALANCE", "DAILY COMPOUNDING", "PAYOFF TIME", "DAILY COMPOUNDING INTEREST", "ROUNDING RULE", "365-DAY RATE BASIS", "LOGARITHMIC PAYOFF CALCULATION", "CHASE CARD TERMS", "INTEREST OWED" ], "credit_card": "Visa Agreement (for in-branch offers).pdf-255597.md" }, { "question": "A user takes out a my chase plan loan of $2200 and hasn't made any payments to decrease the balance. The daily compounding interest has accumulated to $90.51 and the purchase APR is 17.5%, how many months has it been since the purchase was made? Round the answer to the nearest whole number of months. Assume there are 30 days on average per month?", "ground_truth": "3", "output_units": "month", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "90.51", "arg_2": "2200", "resp": 0.041140909090909096 }, { "operator": "add", "arg_1": "1", "arg_2": "#0", "resp": 1.0411409090909092 }, { "operator": "divide", "arg_1": "17.5", "arg_2": "36500", "resp": 0.00047945205479452054 }, { "operator": "add", "arg_1": "#2", "arg_2": "1", "resp": 1.0004794520547946 }, { "operator": "ln", "arg_1": "#1", "arg_2": "1", "resp": 0.04031713982984209 }, { "operator": "ln", "arg_1": "#3", "arg_2": "1", "resp": 0.0004793371543828732 }, { "operator": "divide", "arg_1": "#4", "arg_2": "#5", "resp": 84.11019146168367 }, { "operator": "divide", "arg_1": "#6", "arg_2": "30", "resp": 2.8036730487227888 }, { "operator": "round", "arg_1": "#7", "arg_2": "0", "resp": 3 } ], "program": [ "divide(90.51, 2200)", "add(1, #0)", "divide(17.5, 36500)", "add(#2, 1)", "ln(#1, 1)", "ln(#3, 1)", "divide(#4, #5)", "divide(#6, 30)", "round(#7, 0)" ], "question_tense": "FIRST", "financial_terms": [ "PURCHASE APR", "PAYMENT PLAN FEE", "ACCOUNT BALANCE", "DAILY COMPOUNDING", "PAYOFF TIME", "DAILY COMPOUNDING INTEREST", "THIRTY-DAY INTEREST", "MONTHLY PAYMENT", "LOAN REPAYMENT", "ROUNDING RULE", "365-DAY RATE BASIS", "LOGARITHMIC PAYOFF CALCULATION", "CHASE CARD TERMS" ], "credit_card": "Visa Agreement (for in-branch offers).pdf-255597.md" }, { "question": "A customer takes out $1000 My Chase Plan Loan with an APR of 20% that they plan to repay over 6 months in equal payments. Assume that the interest is compounded daily and that there are on average 30 days per month. What should each monthly payment be? Round up the answer to the next whole number of dollars?", "ground_truth": "177.00", "output_units": "$", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 1, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 1, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "20", "arg_2": "36500", "resp": 0.000547945205479452 }, { "operator": "add", "arg_1": "1", "arg_2": "#0", "resp": 1.0005479452054795 }, { "operator": "exponent", "arg_1": "#1", "arg_2": "30", "resp": 1.0165696326993356 }, { "operator": "subtract", "arg_1": "#2", "arg_2": "1", "resp": 0.016569632699335646 }, { "operator": "multiply", "arg_1": "#3", "arg_2": "1000", "resp": 16.569632699335646 }, { "operator": "multiply", "arg_1": "-1", "arg_2": "6", "resp": -6 }, { "operator": "exponent", "arg_1": "#2", "arg_2": "#5", "resp": 0.906102246094358 }, { "operator": "subtract", "arg_1": "1", "arg_2": "#6", "resp": 0.09389775390564203 }, { "operator": "divide", "arg_1": "#4", "arg_2": "#7", "resp": 176.46463317947402 }, { "operator": "ceil", "arg_1": "#8", "arg_2": "1", "resp": 177 } ], "program": [ "divide(20, 36500)", "add(1, #0)", "exponent(#1, 30)", "subtract(#2, 1)", "multiply(#3, 1000)", "multiply(-1, 6)", "exponent(#2, #5)", "subtract(1, #6)", "divide(#4, #7)", "ceil(#8, 1)" ], "question_tense": "FIRST", "financial_terms": [ "PAYMENT PLAN FEE", "DAILY COMPOUNDING", "DAILY COMPOUNDING INTEREST", "THIRTY-DAY INTEREST", "MONTHLY PAYMENT", "LOAN REPAYMENT", "ROUND-UP RULE", "365-DAY RATE BASIS", "EXPONENTIAL INTEREST CALCULATION", "CHASE CARD TERMS" ], "credit_card": "Visa Agreement (for in-branch offers).pdf-255597.md" }, { "question": "Assume the Visa Mastercard Platinum card offers two tiers for the holder's APR for Purchase dependent on their credit score. For those who are labeled 'great', they have a credit score of 650 and above with a 17.99% APR for purchases. Those who are labeled 'normal' are 649 and below with a 29.24% APR. If I make $900 payment, how many days have will it take for the 'great' credit score to reach a balance (inclusing fees and interest on initial amount of $900) of $1020 compared to a 'normal' credit score? Assume the interest is compounded daily?", "ground_truth": "98", "output_units": "day", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "0.1799", "arg_2": "365", "resp": 0.0004928767123 }, { "operator": "divide", "arg_1": "0.2924", "arg_2": "365", "resp": 0.0008010958904 }, { "operator": "divide", "arg_1": "1020", "arg_2": "900", "resp": 1.1333333333 }, { "operator": "ln", "arg_1": "#2", "resp": 0.1251631429 }, { "operator": "add", "arg_1": "1", "arg_2": "#0", "resp": 1.0004928767 }, { "operator": "add", "arg_1": "1", "arg_2": "#1", "resp": 1.0008010959 }, { "operator": "ln", "arg_1": "#4", "resp": 0.0004927553447 }, { "operator": "ln", "arg_1": "#5", "resp": 0.0008007751735 }, { "operator": "divide", "arg_1": "#3", "arg_2": "#6", "resp": 254.0066963776 }, { "operator": "divide", "arg_1": "#3", "arg_2": "#7", "resp": 156.3024746494 }, { "operator": "ceil", "arg_1": "#8", "resp": 255 }, { "operator": "ceil", "arg_1": "#9", "resp": 157 }, { "operator": "subtract", "arg_1": "#11", "arg_2": "#10", "resp": -98 }, { "operator": "abs", "arg_1": "#12", "resp": 98 } ], "program": [ "divide(0.1799, 365)", "divide(0.2924, 365)", "divide(1020, 900)", "ln(#2)", "add(1, #0)", "add(1, #1)", "ln(#4)", "ln(#5)", "divide(#3, #6)", "divide(#3, #7)", "ceil(#8)", "ceil(#9)", "subtract(#11, #10)", "abs(#12)" ], "question_tense": "THIRD", "financial_terms": [ "PURCHASE APR", "ACCOUNT BALANCE", "CREDIT TIER", "DAILY COMPOUNDING", "PAYOFF TIME", "CREDIT-SCORE APR TIER", "DAILY COMPOUNDING INTEREST", "TIERED RATE SCHEDULE", "ROUND-UP RULE", "365-DAY RATE BASIS", "LOGARITHMIC PAYOFF CALCULATION", "CHASE CARD TERMS", "VISA MASTERCARD TERMS", "INTEREST OWED" ], "credit_card": "Visa_Mastercard_Platinum_Siganture_World_Infinite_English-290260.md" }, { "question": "\"A traveler needs to withdraw €800 from an ATM, but different ATMs apply different foreign currency conversion rates and fees. The traveler wants to know which ATM provides the most cost-efficient conversion. The available ATMs and their rates are: ATM | Conversion Rate (USD/EUR) | Additional Fee ($) | Foreign Currency Conversion Fee (%) A 1.09 5 1% B 1.11 2 2% C 1.07 0 0% D 1.14 10 3% Which ATM should the traveler use to get the best net amount in USD after conversion and fees? Prioritive any information in this question over that found in the document.\"?", "ground_truth": "ATM C", "output_units": "categorical", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 4, "month": 0, "day": 0, "year": 0, "$": 4, "binary": 0, "categorical": 0 }, "total": { "%": 4, "month": 0, "day": 0, "year": 0, "$": 4, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "800", "arg_2": "1.09", "resp": 872 }, { "operator": "multiply", "arg_1": "#0", "arg_2": "0.01", "resp": 8.72 }, { "operator": "subtract", "arg_1": "#0", "arg_2": "#1", "resp": 863.28 }, { "operator": "subtract", "arg_1": "#2", "arg_2": "5", "resp": 858.28 }, { "operator": "multiply", "arg_1": "800", "arg_2": "1.11", "resp": 888 }, { "operator": "multiply", "arg_1": "#4", "arg_2": "0.02", "resp": 17.76 }, { "operator": "subtract", "arg_1": "#4", "arg_2": "#5", "resp": 870.24 }, { "operator": "subtract", "arg_1": "#6", "arg_2": "2", "resp": 868.24 }, { "operator": "multiply", "arg_1": "800", "arg_2": "1.07", "resp": 856 }, { "operator": "subtract", "arg_1": "#8", "arg_2": "0", "resp": 856 }, { "operator": "multiply", "arg_1": "800", "arg_2": "1.14", "resp": 912 }, { "operator": "multiply", "arg_1": "#10", "arg_2": "0.03", "resp": 27.36 }, { "operator": "subtract", "arg_1": "#10", "arg_2": "#11", "resp": 884.64 }, { "operator": "subtract", "arg_1": "#12", "arg_2": "10", "resp": 874.64 }, { "operator": "min", "arg_1": "#3", "arg_2": "#7", "resp": 858.28 }, { "operator": "min", "arg_1": "#14", "arg_2": "#9", "resp": 856 }, { "operator": "min", "arg_1": "#15", "arg_2": "#13", "resp": 856 }, { "operator": "equal", "arg_1": "#16", "arg_2": "#9", "resp": "TRUE" }, { "operator": "if", "arg_1": "#17", "arg_2": "ATM C", "arg_3": "ATM D", "resp": "ATM C" } ], "program": [ "multiply(800, 1.09)", "multiply(#0, 0.01)", "subtract(#0, #1)", "subtract(#2, 5)", "multiply(800, 1.11)", "multiply(#4, 0.02)", "subtract(#4, #5)", "subtract(#6, 2)", "multiply(800, 1.07)", "subtract(#8, 0)", "multiply(800, 1.14)", "multiply(#10, 0.03)", "subtract(#10, #11)", "subtract(#12, 10)", "min(#3, #7)", "min(#14, #9)", "min(#15, #13)", "equal(#16, #9)", "if(#17, ATM C, ATM D)" ], "question_tense": "THIRD", "financial_terms": [ "FOREIGN TRANSACTION FEE", "CURRENCY CONVERSION", "ATM CASH ADVANCE", "FOREIGN CURRENCY CONVERSION", "MINIMUM SELECTION", "CONDITIONAL FINANCIAL RULE" ], "credit_card": "Visa_Mastercard_Platinum_Siganture_World_Infinite_English-290260.md" }, { "question": "A Visa Mastercard Platinum check cash advance is taken at 29.24% APR and another at 19.99% APR, both with $5,000 balance for 2 years. How much more interest will be paid at the higher rate? Assume interest is compounded monthly despite what the document says and ignore any cash advance fee as if they are waived?", "ground_truth": "1477.36", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 2, "month": 1, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 1, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "29.24", "arg_2": "100", "resp": 0.2924 }, { "operator": "divide", "arg_1": "#0", "arg_2": "12", "resp": 0.0243666666667 }, { "operator": "add", "arg_1": "1", "arg_2": "#1", "resp": 1.0243666666667 }, { "operator": "exponent", "arg_1": "#2", "arg_2": "24", "resp": 1.782093595841428 }, { "operator": "subtract", "arg_1": "#3", "arg_2": "1", "resp": 0.782093595841428 }, { "operator": "multiply", "arg_1": "5000", "arg_2": "#4", "resp": 3910.4679792071397 }, { "operator": "divide", "arg_1": "19.99", "arg_2": "100", "resp": 0.1999 }, { "operator": "divide", "arg_1": "#6", "arg_2": "12", "resp": 0.0166583333333 }, { "operator": "add", "arg_1": "1", "arg_2": "#7", "resp": 1.0166583333333 }, { "operator": "exponent", "arg_1": "#8", "arg_2": "24", "resp": 1.4866221377234679 }, { "operator": "subtract", "arg_1": "#9", "arg_2": "1", "resp": 0.4866221377234679 }, { "operator": "multiply", "arg_1": "5000", "arg_2": "#10", "resp": 2433.1106886173393 }, { "operator": "subtract", "arg_1": "#5", "arg_2": "#11", "resp": 1477.3572905898004 }, { "operator": "round", "arg_1": "#12", "arg_2": "2", "resp": 1477.36 } ], "program": [ "divide(29.24, 100)", "divide(#0, 12)", "add(1, #1)", "exponent(#2, 24)", "subtract(#3, 1)", "multiply(5000, #4)", "divide(19.99, 100)", "divide(#6, 12)", "add(1, #7)", "exponent(#8, 24)", "subtract(#9, 1)", "multiply(5000, #10)", "subtract(#5, #11)", "round(#12, 2)" ], "question_tense": "THIRD", "financial_terms": [ "CASH ADVANCE APR", "CASH ADVANCE FEE", "CONVENIENCE CHECK", "ACCOUNT BALANCE", "MONTHLY COMPOUNDING", "FEE WAIVER", "MONTHLY COMPOUNDING INTEREST", "ROUNDING RULE", "EXPONENTIAL INTEREST CALCULATION", "VISA MASTERCARD TERMS" ], "credit_card": "Visa_Mastercard_Platinum_Siganture_World_Infinite_English-290260.md" }, { "question": "A Visa Mastercard Platinum Bank Cash Advance of $6,000 is taken at 28.74% APR for 10 months. Will the total interest exceeds $900? Assume the interest is compounded monthly despite what the document says?", "ground_truth": "TRUE", "output_units": "binary", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 1, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 1, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "28.74", "arg_2": "100", "resp": 0.2874 }, { "operator": "divide", "arg_1": "#0", "arg_2": "12", "resp": 0.02395 }, { "operator": "add", "arg_1": "1", "arg_2": "#1", "resp": 1.02395 }, { "operator": "exponent", "arg_1": "#2", "arg_2": "10", "resp": 1.267031766195033 }, { "operator": "subtract", "arg_1": "#3", "arg_2": "1", "resp": 0.267031766195033 }, { "operator": "multiply", "arg_1": "6000", "arg_2": "#4", "resp": 1602.1905971701979 }, { "operator": "greater", "arg_1": "#5", "arg_2": "900", "resp": "TRUE" }, { "operator": "if", "arg_1": "#6", "arg_2": "Yes", "arg_3": "No", "resp": "TRUE" } ], "program": [ "divide(28.74, 100)", "divide(#0, 12)", "add(1, #1)", "exponent(#2, 10)", "subtract(#3, 1)", "multiply(6000, #4)", "greater(#5, 900)", "if(#6, Yes, No)" ], "question_tense": "THIRD", "financial_terms": [ "CASH ADVANCE APR", "MONTHLY COMPOUNDING", "INTEREST ACCRUAL", "MONTHLY COMPOUNDING INTEREST", "CONDITIONAL FINANCIAL RULE", "EXPONENTIAL INTEREST CALCULATION", "VISA MASTERCARD TERMS", "BANK CASH ADVANCE", "INTEREST THRESHOLD" ], "credit_card": "Visa_Mastercard_Platinum_Siganture_World_Infinite_English-290260.md" }, { "question": "\"If the cardholder missed a payment 7 months ago and miss another one today, with a Minimum Payment Due of $45, what will the late fee be? Prioritive the information given in this question over the information given in the document. Context: Late fee is $30 for the first late payment. Late fee is $40 if there is another late payment within 6 billing periods. Late fee cannot exceed the minimum payment due.\"?", "ground_truth": "30.00", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 2, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 2, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "greater", "arg_1": "7", "arg_2": "6", "resp": "TRUE" }, { "operator": "if", "arg_1": "#0", "arg_2": "30", "arg_3": "40", "resp": 30 }, { "operator": "min", "arg_1": "#1", "arg_2": "45", "resp": 30 } ], "program": [ "greater(7, 6)", "if(#0, 30, 40)", "min(#1, 45)" ], "question_tense": "THIRD", "financial_terms": [ "LATE PAYMENT FEE", "MINIMUM PAYMENT", "MINIMUM FEE RULE", "FEE CAP", "MAXIMUM FEE CAP", "MINIMUM PAYMENT FORMULA", "MINIMUM SELECTION", "CONDITIONAL FINANCIAL RULE", "MINIMUM PAYMENT DUE" ], "credit_card": "Visa_Mastercard_Platinum_Siganture_World_Infinite_English-290260.md" }, { "question": "A bank assigns direct deposit fee categories based on direct deposit amounts per month: \"Small\": Deposits less than $5,000 \"Medium\": Deposits between $5,000 and $20,000 \"High\": Deposits more than $20,000 I direct deposit $15,000 per month. What category does this fall into?", "ground_truth": "Medium", "output_units": "categorical", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "less", "arg_1": "15000", "arg_2": "5000", "resp": "FALSE" }, { "operator": "less", "arg_1": "15000", "arg_2": "20000", "resp": "TRUE" }, { "operator": "if", "arg_1": "#1", "arg_2": "Medium", "arg_3": "High", "resp": "Medium" }, { "operator": "if", "arg_1": "#0", "arg_2": "Small", "arg_3": "#2", "resp": "Medium" } ], "program": [ "less(15000, 5000)", "less(15000, 20000)", "if(#1, Medium, High)", "if(#0, Small, #2)" ], "question_tense": "THIRD", "financial_terms": [ "DIRECT DEPOSIT", "MONTHLY PAYMENT", "FINANCIAL CATEGORY CLASSIFICATION", "CONDITIONAL FINANCIAL RULE", "MONTHLY FEE", "DIRECT DEPOSIT FEE" ], "credit_card": "Visa_Mastercard_Platinum_Siganture_World_Infinite_English-290260.md" }, { "question": "\"A cardholder made a wire transfer of $10,000 and will be charged a wire transfer fee of 5% of the transfer amount on top of the $10,000. Hypothetically, if the transfer amount has interest applied at an annual interest rate of 5% compounded yearly, how long will it take for the initial amount to double from the original value? \"?", "ground_truth": "14.2066990829", "output_units": "year", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "5", "arg_2": "100", "resp": 0.05 }, { "operator": "add", "arg_1": "1", "arg_2": "#0", "resp": 1.05 }, { "operator": "ln", "arg_1": "2", "resp": 0.6931471806 }, { "operator": "ln", "arg_1": "#1", "resp": 0.0487901642 }, { "operator": "divide", "arg_1": "#2", "arg_2": "#3", "resp": 14.2066990829 } ], "program": [ "divide(5, 100)", "add(1, #0)", "ln(2)", "ln(#1)", "divide(#2, #3)" ], "question_tense": "THIRD", "financial_terms": [ "WIRE TRANSFER FEE", "PAYOFF TIME", "LOGARITHMIC PAYOFF CALCULATION", "PERCENTAGE-BASED FEE", "ANNUALIZED FEE", "WIRE TRANSFER FEE CALCULATION" ], "credit_card": "Visa_Mastercard_Platinum_Siganture_World_Infinite_English-290260.md" }, { "question": "If the Prime Rate rises to 10.50%, will the highest possible Visa Mastercard Platinum check cash advance APR exceed the absolute cap of 29.24%?", "ground_truth": "FALSE", "output_units": "binary", "input_units": { "from_doc": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 3, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "add", "arg_1": "10.50", "arg_2": "20.74", "resp": 31.24 }, { "operator": "min", "arg_1": "#0", "arg_2": "29.24", "resp": 29.24 }, { "operator": "greater", "arg_1": "#1", "arg_2": "29.24", "resp": "FALSE" }, { "operator": "if", "arg_1": "#2", "arg_2": "Yes", "arg_3": "No", "resp": "FALSE" } ], "program": [ "add(10.50, 20.74)", "min(#0, 29.24)", "greater(#1, 29.24)", "if(#2, Yes, No)" ], "question_tense": "THIRD", "financial_terms": [ "PRIME RATE", "VARIABLE APR", "CASH ADVANCE APR", "CONVENIENCE CHECK", "FEE CAP", "MINIMUM SELECTION", "CONDITIONAL FINANCIAL RULE", "VISA MASTERCARD TERMS" ], "credit_card": "Visa_Mastercard_Platinum_Siganture_World_Infinite_English-290260.md" }, { "question": "Using the Visa Mastercard Platinum Card, I have $1,500 balance that I forgot to pay. As a result, a penalty APR imposed by the company of 27.99% is incurred. How much would I pay each month if I wanted to pay off the balance in 10 months of equal payments?", "ground_truth": "169.91", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 1, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 1, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "0.2799", "arg_2": "12", "resp": 0.023325 }, { "operator": "add", "arg_1": "1", "arg_2": "#0", "resp": 1.023325 }, { "operator": "exponent", "arg_1": "#1", "arg_2": "10", "resp": 1.2593192482 }, { "operator": "multiply", "arg_1": "1500", "arg_2": "#0", "resp": 34.9875 }, { "operator": "multiply", "arg_1": "#3", "arg_2": "#2", "resp": 44.0604321964 }, { "operator": "subtract", "arg_1": "#2", "arg_2": "1", "resp": 0.2593192482 }, { "operator": "divide", "arg_1": "#4", "arg_2": "#5", "resp": 169.9080669955 }, { "operator": "round", "arg_1": "#6", "arg_2": "2", "resp": 169.91 } ], "program": [ "divide(0.2799, 12)", "add(1, #0)", "exponent(#1, 10)", "multiply(1500, #0)", "multiply(#3, #2)", "subtract(#2, 1)", "divide(#4, #5)", "round(#6, 2)" ], "question_tense": "FIRST", "financial_terms": [ "PENALTY APR", "PAYMENT PLAN", "ACCOUNT BALANCE", "PAYOFF TIME", "BALANCE PAYOFF", "ROUNDING RULE", "EXPONENTIAL INTEREST CALCULATION", "VISA MASTERCARD TERMS" ], "credit_card": "Visa_Mastercard_Platinum_Siganture_World_Infinite_English-290260.md" }, { "question": "Using the Visa Mastercard Platinum Card's specified APR for Balance Transfers of 26.74%, assume there is a special promotion on this card that offers 0% APR on balance transfers for 16 months, after which the APR rate applies. If I transfer $4,500 to this card and make $250 monthly fixed payments, will I have paid off the balance fully before interest starts accruing?", "ground_truth": "FALSE", "output_units": "binary", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 1, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 1, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "250", "arg_2": "16", "resp": 4000 }, { "operator": "subtract", "arg_1": "4500", "arg_2": "#0", "resp": 500 }, { "operator": "less", "arg_1": "#1", "arg_2": "0", "resp": "FALSE" }, { "operator": "if", "arg_1": "#2", "arg_2": "Yes", "arg_3": "No", "resp": "FALSE" } ], "program": [ "multiply(250, 16)", "subtract(4500, #0)", "less(#1, 0)", "if(#2, Yes, No)" ], "question_tense": "THIRD", "financial_terms": [ "PROMOTIONAL APR", "BALANCE TRANSFER APR", "ACCOUNT BALANCE", "CONDITIONAL FINANCIAL RULE", "VISA MASTERCARD TERMS", "ZERO PERCENT PROMOTIONAL APR", "POST-PROMOTIONAL APR" ], "credit_card": "Visa_Mastercard_Platinum_Siganture_World_Infinite_English-290260.md" }, { "question": "A customer makes only the minimum payment each month on $3000 balance. If their interest rate is 26.24% APR, will they pay off the balance in less than 2 years?", "ground_truth": "FALSE", "output_units": "binary", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 1, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 1, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "26.24", "arg_2": "100", "resp": 0.2624 }, { "operator": "divide", "arg_1": "#0", "arg_2": "12", "resp": 0.0218666667 }, { "operator": "multiply", "arg_1": "3000", "arg_2": "#1", "resp": 65.6 }, { "operator": "multiply", "arg_1": "3000", "arg_2": "0.01", "resp": 30.0 }, { "operator": "greater", "arg_1": "#2", "arg_2": "#3", "resp": "TRUE" }, { "operator": "if", "arg_1": "#4", "arg_2": "FALSE", "arg_3": "TRUE", "resp": "FALSE" } ], "program": [ "divide(26.24, 100)", "divide(#0, 12)", "multiply(3000, #1)", "multiply(3000, 0.01)", "greater(#2, #3)", "if(#4, FALSE, TRUE)" ], "question_tense": "THIRD", "financial_terms": [ "CASH ADVANCE APR", "MINIMUM PAYMENT", "ACCOUNT BALANCE", "PAYOFF TIME", "MINIMUM PAYMENT FORMULA", "BALANCE PAYOFF", "CONDITIONAL FINANCIAL RULE" ], "credit_card": "Visa_Mastercard_Secured_English-290258.md" }, { "question": "A customer has $800 with an 29.64% (Purchase APR). They made $50 minimum payment but they are 30 (Days Late). After the payment, their balance is $750. How much will be charged as interest if APR is calculated daily and the daily rate is compounded monthly?", "ground_truth": "21.00", "output_units": "$", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 1, "year": 0, "$": 3, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 1, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "29.64", "arg_2": "100", "resp": 0.2964 }, { "operator": "divide", "arg_1": "#0", "arg_2": "365", "resp": 0.000812054794520548 }, { "operator": "add", "arg_1": "1", "arg_2": "#1", "resp": 1.0008120547945205 }, { "operator": "exponent", "arg_1": "#2", "arg_2": "30", "resp": 1.0246506832661966 }, { "operator": "multiply", "arg_1": "800", "arg_2": "#3", "resp": 819.7205466129573 }, { "operator": "subtract", "arg_1": "#4", "arg_2": "800", "resp": 19.720546612957264 }, { "operator": "add", "arg_1": "#5", "arg_2": "1", "resp": 20.720546612957264 }, { "operator": "round", "arg_1": "#6", "resp": 21.0 } ], "program": [ "divide(29.64, 100)", "divide(#0, 365)", "add(1, #1)", "exponent(#2, 30)", "multiply(800, #3)", "subtract(#4, 800)", "add(#5, 1)", "round(#6)" ], "question_tense": "THIRD", "financial_terms": [ "PURCHASE APR", "MINIMUM PAYMENT", "ACCOUNT BALANCE", "MONTHLY COMPOUNDING", "MINIMUM FEE RULE", "MONTHLY COMPOUNDING INTEREST", "MINIMUM PAYMENT FORMULA", "ROUNDING RULE", "365-DAY RATE BASIS", "EXPONENTIAL INTEREST CALCULATION", "CHASE CARD TERMS" ], "credit_card": "Visa_Mastercard_Secured_English-290258.md" }, { "question": "A customer has a purchase amount of $1200 with an APR of 25.4%. They made $100 minimum payment but are 45 days late. After the payment, their balance is $1100. How much will be charged as interest if the APR is calculated on a daily basis and the daily rate is compounded monthly?", "ground_truth": "39.00", "output_units": "$", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 1, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 1, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "0.254", "arg_2": "365", "resp": 0.0006958904109589041 }, { "operator": "add", "arg_1": "1", "arg_2": "#0", "resp": 1.0006958904109589 }, { "operator": "exponent", "arg_1": "#1", "arg_2": "45", "resp": 1.0317993064129978 }, { "operator": "multiply", "arg_1": "1200", "arg_2": "#2", "resp": 1238.1591676955973 }, { "operator": "subtract", "arg_1": "#3", "arg_2": "1200", "resp": 38.15916769559726 }, { "operator": "add", "arg_1": "#4", "arg_2": "1", "resp": 39.15916769559726 }, { "operator": "round", "arg_1": "#5", "resp": 39 } ], "program": [ "divide(0.254, 365)", "add(1, #0)", "exponent(#1, 45)", "multiply(1200, #2)", "subtract(#3, 1200)", "add(#4, 1)", "round(#5)" ], "question_tense": "THIRD", "financial_terms": [ "PURCHASE APR", "MINIMUM PAYMENT", "ACCOUNT BALANCE", "MONTHLY COMPOUNDING", "MINIMUM FEE RULE", "MONTHLY COMPOUNDING INTEREST", "MINIMUM PAYMENT FORMULA", "ROUNDING RULE", "365-DAY RATE BASIS", "EXPONENTIAL INTEREST CALCULATION", "CHASE CARD TERMS" ], "credit_card": "Visa_Mastercard_Secured_English-290258.md" }, { "question": "A customer makes a foreign transaction fee of $500 with a 3% per month, how many months will it take to pay off the balance including the fee and the interest?", "ground_truth": "6", "output_units": "month", "input_units": { "from_doc": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "500", "arg_2": "0.03", "resp": 15.0 }, { "operator": "add", "arg_1": "500", "arg_2": "#0", "resp": 515.0 }, { "operator": "multiply", "arg_1": "#1", "arg_2": "0.02187", "resp": 11.26305 }, { "operator": "add", "arg_1": "#1", "arg_2": "#2", "resp": 526.26305 }, { "operator": "subtract", "arg_1": "#3", "arg_2": "100", "resp": 426.26305 }, { "operator": "multiply", "arg_1": "#4", "arg_2": "0.02187", "resp": 9.322372903500002 }, { "operator": "add", "arg_1": "#4", "arg_2": "#5", "resp": 435.58542290350005 }, { "operator": "subtract", "arg_1": "#6", "arg_2": "100", "resp": 335.58542290350005 }, { "operator": "multiply", "arg_1": "#7", "arg_2": "0.02187", "resp": 7.339253198899546 }, { "operator": "add", "arg_1": "#7", "arg_2": "#8", "resp": 342.9246761023996 }, { "operator": "subtract", "arg_1": "#9", "arg_2": "100", "resp": 242.9246761023996 }, { "operator": "multiply", "arg_1": "#10", "arg_2": "0.02187", "resp": 5.312762666359479 }, { "operator": "add", "arg_1": "#10", "arg_2": "#11", "resp": 248.23743876875906 }, { "operator": "subtract", "arg_1": "#12", "arg_2": "100", "resp": 148.23743876875906 }, { "operator": "multiply", "arg_1": "#13", "arg_2": "0.02187", "resp": 3.2419527858727606 }, { "operator": "add", "arg_1": "#13", "arg_2": "#14", "resp": 151.47939155463183 }, { "operator": "subtract", "arg_1": "#15", "arg_2": "100", "resp": 51.47939155463183 }, { "operator": "multiply", "arg_1": "#16", "arg_2": "0.02187", "resp": 1.1258542932997981 }, { "operator": "add", "arg_1": "#16", "arg_2": "#17", "resp": 52.60524584793163 }, { "operator": "greater", "arg_1": "#18", "arg_2": "0", "resp": "TRUE" }, { "operator": "ceil", "arg_1": "5.25964424855", "resp": 6.0 } ], "program": [ "multiply(500, 0.03)", "add(500, #0)", "multiply(#1, 0.02187)", "add(#1, #2)", "subtract(#3, 100)", "multiply(#4, 0.02187)", "add(#4, #5)", "subtract(#6, 100)", "multiply(#7, 0.02187)", "add(#7, #8)", "subtract(#9, 100)", "multiply(#10, 0.02187)", "add(#10, #11)", "subtract(#12, 100)", "multiply(#13, 0.02187)", "add(#13, #14)", "subtract(#15, 100)", "multiply(#16, 0.02187)", "add(#16, #17)", "greater(#18, 0)", "ceil(5.25964424855)" ], "question_tense": "THIRD", "financial_terms": [ "FOREIGN TRANSACTION FEE", "ACCOUNT BALANCE", "PAYOFF TIME", "MONTHLY PAYMENT", "BALANCE PAYOFF", "TRANSACTION FEE CALCULATION", "ROUND-UP RULE", "MONTHLY FEE" ], "credit_card": "Visa_Mastercard_Secured_English-290258.md" }, { "question": "If a customer has a statement balance of $2,800 and pays it in full before the due date, will they be charged interest?", "ground_truth": "FALSE", "output_units": "binary", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 1, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 1, "categorical": 0 } }, "steps": [ { "operator": "greater_equal", "arg_1": "2800", "arg_2": "2800", "resp": "TRUE" }, { "operator": "less_equal", "arg_1": "2800", "arg_2": "2800", "resp": "TRUE" }, { "operator": "and", "arg_1": "#0", "arg_2": "#1", "resp": "TRUE" }, { "operator": "if", "arg_1": "#2", "arg_2": "FALSE", "arg_3": "TRUE", "resp": "FALSE" } ], "program": [ "greater_equal(2800, 2800)", "less_equal(2800, 2800)", "and(#0, #1)", "if(#2, FALSE, TRUE)" ], "question_tense": "THIRD", "financial_terms": [ "ACCOUNT BALANCE", "PAYMENT DUE DATE", "PAYMENT DUE DATE CALCULATION", "CONDITIONAL FINANCIAL RULE" ], "credit_card": "Visa_Mastercard_Secured_English-290258.md" }, { "question": "If a customer transfers $2500 to a new card with a 3% fee but also makes a new purchase of $800, will their payments apply to the purchase first or the balance transfer?", "ground_truth": "Payments go to Purchases first", "output_units": "categorical", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "2500", "arg_2": "0.03", "resp": 75.0 }, { "operator": "add", "arg_1": "2500", "arg_2": "#0", "resp": 2575.0 }, { "operator": "less", "arg_1": "0.00", "arg_2": "0.18", "resp": "TRUE" }, { "operator": "if", "arg_1": "#2", "arg_2": "Payments go to Purchases first", "arg_3": "Payments go to Balance Transfer first", "resp": "Payments go to Purchases first" } ], "program": [ "multiply(2500, 0.03)", "add(2500, #0)", "less(0.00, 0.18)", "if(#2, Payments go to Purchases first, Payments go to Balance Transfer first)" ], "question_tense": "THIRD", "financial_terms": [ "BALANCE TRANSFER FEE", "PURCHASE TRANSACTION", "ACCOUNT BALANCE", "CONDITIONAL FINANCIAL RULE", "CHASE CARD TERMS", "PERCENTAGE-BASED FEE" ], "credit_card": "Visa_Mastercard_Secured_English-290258.md" }, { "question": "A customer has two outstanding cash advances: $7000 bank cash advance with an APR of 29.24% and $5000 ATM cash advance with an APR of 26.24%. If the customer makes $3000 payment after 30 days, how much remains on the higher APR balance?", "ground_truth": "4000.00", "output_units": "$", "input_units": { "from_doc": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 1, "year": 0, "$": 3, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 1, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "29.24", "arg_2": "100", "resp": 0.2924 }, { "operator": "divide", "arg_1": "#0", "arg_2": "365", "resp": 0.0008010958904109589 }, { "operator": "multiply", "arg_1": "7000", "arg_2": "#1", "resp": 5.607671232876712 }, { "operator": "multiply", "arg_1": "#2", "arg_2": "30", "resp": 168.23013698630137 }, { "operator": "divide", "arg_1": "26.24", "arg_2": "100", "resp": 0.26239999999999997 }, { "operator": "divide", "arg_1": "#4", "arg_2": "365", "resp": 0.000718904109589041 }, { "operator": "multiply", "arg_1": "5000", "arg_2": "#5", "resp": 3.594520547945205 }, { "operator": "multiply", "arg_1": "#6", "arg_2": "30", "resp": 107.83561643835614 }, { "operator": "greater", "arg_1": "#3", "arg_2": "#7", "resp": "TRUE" }, { "operator": "subtract", "arg_1": "7000", "arg_2": "3000", "resp": 4000 } ], "program": [ "divide(29.24, 100)", "divide(#0, 365)", "multiply(7000, #1)", "multiply(#2, 30)", "divide(26.24, 100)", "divide(#4, 365)", "multiply(5000, #5)", "multiply(#6, 30)", "greater(#3, #7)", "subtract(7000, 3000)" ], "question_tense": "THIRD", "financial_terms": [ "CASH ADVANCE APR", "ACCOUNT BALANCE", "ATM CASH ADVANCE", "THIRTY-DAY INTEREST", "365-DAY RATE BASIS", "BANK CASH ADVANCE" ], "credit_card": "Visa_Mastercard_Secured_English-290258.md" }, { "question": "If a customer pays the full balance before the due date during the grace period, will they be charged interest?", "ground_truth": "FALSE", "output_units": "binary", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 1, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 1, "categorical": 0 } }, "steps": [ { "operator": "and", "arg_1": "TRUE", "arg_2": "TRUE", "resp": "TRUE" }, { "operator": "if", "arg_1": "#0", "arg_2": "FALSE", "arg_3": "TRUE", "resp": "FALSE" } ], "program": [ "and(TRUE, TRUE)", "if(#0, FALSE, TRUE)" ], "question_tense": "THIRD", "financial_terms": [ "ACCOUNT BALANCE", "GRACE PERIOD", "PAYMENT DUE DATE", "PAYMENT DUE DATE CALCULATION", "CONDITIONAL FINANCIAL RULE" ], "credit_card": "Visa_Mastercard_Secured_English-290258.md" }, { "question": "A customer transfers $4000 to a new card with a 0% introductory APR for 12 months. If the APR after 12 months is 26.24%, how much interest will they pay if they don’t pay off the balance and hold it for 30 days after the promo period?", "ground_truth": "86.30", "output_units": "$", "input_units": { "from_doc": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 1, "day": 1, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 1, "day": 1, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "26.24", "arg_2": "100", "resp": 0.2624 }, { "operator": "divide", "arg_1": "#0", "arg_2": "365", "resp": 0.0007191781 }, { "operator": "multiply", "arg_1": "4000", "arg_2": "#1", "resp": 2.8767124 }, { "operator": "multiply", "arg_1": "#2", "arg_2": "30", "resp": 86.3 } ], "program": [ "divide(26.24, 100)", "divide(#0, 365)", "multiply(4000, #1)", "multiply(#2, 30)" ], "question_tense": "THIRD", "financial_terms": [ "BALANCE TRANSFER APR", "ACCOUNT BALANCE", "PAYOFF TIME", "THIRTY-DAY INTEREST", "BALANCE PAYOFF", "365-DAY RATE BASIS" ], "credit_card": "Visa_Mastercard_Secured_English-290258.md" }, { "question": "Assume, hypothetically that the Well Fargo Autograph Journey card offers two tiers for the holder's APR for Purchase depending on their credit score. For those who are labeled 'great', they have a credit score 700 and above with a 15.99% APR for purchases. Those that are labeled as 'normal' are 699 and below with a 18.99% APR. If I make $1000 payment, how many days have passed since they were charged interest for the great vs normal credit score if their total balance including payment + interest is $1100?", "ground_truth": "Great Credit Score Holder: 229 Day\nNormal Credit Score Holder: 193 Day", "output_units": "day", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": 15.99, "arg_2": 100, "resp": 0.1599 }, { "operator": "divide", "arg_1": "#0", "arg_2": 365, "resp": 0.0004380821917808219 }, { "operator": "divide", "arg_1": 18.99, "arg_2": 100, "resp": 0.1899 }, { "operator": "divide", "arg_1": "#2", "arg_2": 365, "resp": 0.0005202739726027397 }, { "operator": "subtract", "arg_1": 1100, "arg_2": 1000, "resp": 100 }, { "operator": "divide", "arg_1": "#4", "arg_2": 1000, "resp": 0.1 }, { "operator": "divide", "arg_1": "#5", "arg_2": "#1", "resp": 228.2664165103186 }, { "operator": "divide", "arg_1": "#5", "arg_2": "#3", "resp": 192.20747757847536 }, { "operator": "ceil", "arg_1": "#6", "arg_2": 0, "resp": 229 }, { "operator": "ceil", "arg_1": "#7", "arg_2": 0, "resp": 193 } ], "program": [ "divide(15.99, 100)", "divide(#0, 365)", "divide(18.99, 100)", "divide(#2, 365)", "subtract(1100, 1000)", "divide(#4, 1000)", "divide(#5, #1)", "divide(#5, #3)", "ceil(#6, 0)", "ceil(#7, 0)" ], "question_tense": "THIRD", "financial_terms": [ "DAILY PERIODIC RATE", "PURCHASE APR", "ACCOUNT BALANCE", "CREDIT TIER", "PAYOFF TIME", "CREDIT-SCORE APR TIER", "TIERED RATE SCHEDULE", "TOTAL BALANCE", "ROUND-UP RULE", "365-DAY RATE BASIS", "CHASE CARD TERMS" ], "credit_card": "Wells Fargo Autograph Journey Visa® Card Agreement-442574.md" }, { "question": "Suppose a bank assigns different APRs for purchases based on credit score. Economy Tier (<= 620 credit score) has 31.75% APR. Preferred Tier (<= 765 credit score) has 23.50% APR. Exclusive Tier (> 765 credit score) has 17.25% APR. If a cardholder with a credit score of 730 wants to know their DPR, what is it?", "ground_truth": "0.06438356164383562", "output_units": "%", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 3, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 3, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "less_equal", "arg_1": 730, "arg_2": 620, "resp": "FALSE" }, { "operator": "less_equal", "arg_1": 730, "arg_2": 765, "resp": "TRUE" }, { "operator": "if", "arg_1": "#0", "arg_2": 31.75, "arg_3": { "operator": "if", "arg_1": "#1", "arg_2": 23.5, "arg_3": 17.25 }, "resp": 23.5 }, { "operator": "divide", "arg_1": "#2", "arg_2": 100, "resp": 0.235 }, { "operator": "divide", "arg_1": "#3", "arg_2": 365, "resp": 0.0006438356164383562 }, { "operator": "multiply", "arg_1": "#4", "arg_2": 100, "resp": 0.06438356164383562 } ], "program": [ "less_equal(730, 620)", "less_equal(730, 765)", "if(#0, 31.75, {'operator': 'if', 'arg_1': '#1', 'arg_2': 23.5, 'arg_3': 17.25})", "divide(#2, 100)", "divide(#3, 365)", "multiply(#4, 100)" ], "question_tense": "THIRD", "financial_terms": [ "PROMOTIONAL APR", "DAILY PERIODIC RATE", "APR TO DPR CONVERSION", "PURCHASE APR", "CREDIT TIER", "CREDIT-SCORE APR TIER", "365-DAY RATE BASIS", "CONDITIONAL FINANCIAL RULE", "CHASE CARD TERMS", "ZERO PERCENT PROMOTIONAL APR" ], "credit_card": "Wells Fargo Autograph Journey Visa® Card Agreement-442574.md" }, { "question": "Suppose Capital One SilverEdge has different late payment policies based on credit score tiers. Tier 1 (<= 625 credit score) has $45 Late Fee for first offense. Tier 2 (<= 760 credit score) has $32 Late Fee for first offense. Tier 3 (> 760 credit score) has $0 Late Fee for first offense. If a cardholder with a credit score of 730 misses a payment for the first time, what late fee will they be charged?", "ground_truth": "32.00", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 2 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 1 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 3 } }, "steps": [ { "operator": "less_equal", "arg_1": 730, "arg_2": 625, "resp": "FALSE" }, { "operator": "less_equal", "arg_1": 730, "arg_2": 760, "resp": "TRUE" }, { "operator": "if", "arg_1": "#0", "arg_2": 45, "arg_3": 32, "resp": 32 } ], "program": [ "less_equal(730, 625)", "less_equal(730, 760)", "if(#0, 45, 32)" ], "question_tense": "THIRD", "financial_terms": [ "LATE PAYMENT FEE", "CREDIT TIER", "FEE CAP", "FIRST-OCCURRENCE FEE RULE", "CREDIT-SCORE APR TIER", "CONDITIONAL FINANCIAL RULE" ], "credit_card": "Wells Fargo Autograph Journey Visa® Card Agreement-442574.md" }, { "question": "Discover Journey imposes a policy where they request the holder to pay off their $1250 credit line balance at an APR of 21.75%. Assuming the holder pays off $125 a month, how many months will it take to pay off the credit line?", "ground_truth": "11.132874671795452", "output_units": "month", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "0.2175", "arg_2": "12", "resp": 0.018125 }, { "operator": "add", "arg_1": "1", "arg_2": "#0", "resp": 1.018125 }, { "operator": "ln", "arg_1": "#1", "resp": 0.017962700374172472 }, { "operator": "multiply", "arg_1": "0.2175", "arg_2": "1250", "resp": 271.875 }, { "operator": "divide", "arg_1": "#3", "arg_2": "12", "resp": 22.65625 }, { "operator": "subtract", "arg_1": "125", "arg_2": "#4", "resp": 102.34375 }, { "operator": "divide", "arg_1": "125", "arg_2": "#5", "resp": 1.2213740458015268 }, { "operator": "ln", "arg_1": "#6", "resp": 0.1999764920326754 }, { "operator": "divide", "arg_1": "#7", "arg_2": "#2", "resp": 11.132874671795452 } ], "program": [ "divide(0.2175, 12)", "add(1, #0)", "ln(#1)", "multiply(0.2175, 1250)", "divide(#3, 12)", "subtract(125, #4)", "divide(125, #5)", "ln(#6)", "divide(#7, #2)" ], "question_tense": "THIRD", "financial_terms": [ "CREDIT LIMIT", "PAYOFF TIME", "BALANCE PAYOFF", "CREDIT LINE", "LOGARITHMIC PAYOFF CALCULATION", "DISCOVER CARD TERMS" ], "credit_card": "Wells Fargo Autograph Journey Visa® Card Agreement-442574.md" }, { "question": "If a cardholder transfers $3,850 per month, how many months will it take for their total balance transfer fees to exceed $720 with a fee rate of 3.4% and a minimum fee of $10?", "ground_truth": "6", "output_units": "month", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": 3.4, "arg_2": 100, "resp": 0.034 }, { "operator": "multiply", "arg_1": 3850, "arg_2": "#0", "resp": 130.9 }, { "operator": "max", "arg_1": 10, "arg_2": "#1", "resp": 130.9 }, { "operator": "divide", "arg_1": 720, "arg_2": "#2", "resp": 5.500381971 }, { "operator": "ceil", "arg_1": "#3", "arg_2": 0, "resp": 6 } ], "program": [ "divide(3.4, 100)", "multiply(3850, #0)", "max(10, #1)", "divide(720, #2)", "ceil(#3, 0)" ], "question_tense": "THIRD", "financial_terms": [ "BALANCE TRANSFER FEE", "ACCOUNT BALANCE", "PAYOFF TIME", "MINIMUM FEE RULE", "MINIMUM FEE FLOOR", "MONTHLY PAYMENT", "TOTAL BALANCE", "ROUND-UP RULE", "MAXIMUM SELECTION", "CUMULATIVE FEE TOTAL", "MONTHLY FEE", "BALANCE TRANSFER MINIMUM FEE" ], "credit_card": "Wells Fargo Autograph Journey Visa® Card Agreement-442574.md" }, { "question": "Assume the cardholder takes a cash advance of $1000. If the cardholder does not make any payments for 30 days, how much will the cardholder owe in total at the end of the month assuming a cash advance apr of 20%? Context: Cash Advance Fee = max(5% of transaction amount, $15)?", "ground_truth": "1067.40", "output_units": "$", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 1, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 1, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "5", "arg_2": "100", "resp": 0.05 }, { "operator": "multiply", "arg_1": "#0", "arg_2": "1000", "resp": 50 }, { "operator": "max", "arg_1": "#1", "arg_2": "15", "resp": 50 }, { "operator": "add", "arg_1": "1000", "arg_2": "#2", "resp": 1050 }, { "operator": "divide", "arg_1": "20", "arg_2": "36500", "resp": 0.0005479452054794521 }, { "operator": "add", "arg_1": "1", "arg_2": "#4", "resp": 1.0005479452054795 }, { "operator": "exponent", "arg_1": "#5", "arg_2": "30", "resp": 1.0165696326993356 }, { "operator": "multiply", "arg_1": "#6", "arg_2": "#3", "resp": 1067.3981143343024 }, { "operator": "round", "arg_1": "#7", "arg_2": "2", "resp": 1067.4 } ], "program": [ "divide(5, 100)", "multiply(#0, 1000)", "max(#1, 15)", "add(1000, #2)", "divide(20, 36500)", "add(1, #4)", "exponent(#5, 30)", "multiply(#6, #3)", "round(#7, 2)" ], "question_tense": "THIRD", "financial_terms": [ "CASH ADVANCE APR", "CASH ADVANCE FEE", "THIRTY-DAY INTEREST", "ROUNDING RULE", "365-DAY RATE BASIS", "MAXIMUM SELECTION", "EXPONENTIAL INTEREST CALCULATION", "PERCENTAGE-BASED FEE" ], "credit_card": "Wells Fargo Autograph Journey Visa® Card Agreement-442574.md" }, { "question": "If the cardholder takes out a Capital One Venture check cash advance at 29.99% APR, how much total interest will accrue on $1,850 advance after 7 months, assuming no payments and other fees or penalties being applied? Give the cardholder answer in dollars rounded to the second place after the decimal point?", "ground_truth": "348.25", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 1, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 1, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "29.99", "arg_2": "100", "resp": 0.2999 }, { "operator": "divide", "arg_1": "#0", "arg_2": "365", "resp": 0.0008216438356164383 }, { "operator": "add", "arg_1": "1", "arg_2": "#1", "resp": 1.0008216438356163 }, { "operator": "multiply", "arg_1": "7", "arg_2": "30", "resp": 210 }, { "operator": "exponent", "arg_1": "#2", "arg_2": "#3", "resp": 1.1882413524466224 }, { "operator": "multiply", "arg_1": "1850", "arg_2": "#4", "resp": 2198.2465020262516 }, { "operator": "subtract", "arg_1": "#5", "arg_2": "1850", "resp": 348.2465020262516 }, { "operator": "round", "arg_1": "#6", "arg_2": "2", "resp": 348.25 } ], "program": [ "divide(29.99, 100)", "divide(#0, 365)", "add(1, #1)", "multiply(7, 30)", "exponent(#2, #3)", "multiply(1850, #4)", "subtract(#5, 1850)", "round(#6, 2)" ], "question_tense": "THIRD", "financial_terms": [ "CASH ADVANCE APR", "CASH ADVANCE FEE", "CONVENIENCE CHECK", "INTEREST ACCRUAL", "FEE CAP", "ROUNDING RULE", "365-DAY RATE BASIS", "EXPONENTIAL INTEREST CALCULATION", "NO-PAYMENT SCENARIO" ], "credit_card": "Wells Fargo Autograph Journey Visa® Card Agreement-442574.md" }, { "question": "Suppose a bank assigns different APRs for balance transfers based on credit score. Starter Tier (<= 625 credit score) gets 25.75% APR. Plus Tier (<= 780 credit score) gets 18.50% APR. Elite Tier (> 780 credit score) gets 13.75% APR. If a cardholder with a credit score of 745 transfers $6,500 to their credit card, what APR will they be charged?", "ground_truth": "18.50", "output_units": "%", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 3, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 3, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "less", "arg_1": 745, "arg_2": 625, "resp": "FALSE" }, { "operator": "less", "arg_1": 745, "arg_2": 780, "resp": "TRUE" }, { "operator": "if", "arg_1": "#1", "arg_2": { "operator": "if", "arg_1": "#0", "arg_2": 25.75, "arg_3": 18.5 }, "arg_3": 13.75, "resp": 18.5 } ], "program": [ "less(745, 625)", "less(745, 780)", "if(#1, {'operator': 'if', 'arg_1': '#0', 'arg_2': 25.75, 'arg_3': 18.5}, 13.75)" ], "question_tense": "THIRD", "financial_terms": [ "PROMOTIONAL APR", "BALANCE TRANSFER APR", "ACCOUNT BALANCE", "CREDIT TIER", "CREDIT-SCORE APR TIER", "CONDITIONAL FINANCIAL RULE", "ZERO PERCENT PROMOTIONAL APR" ], "credit_card": "Wells Fargo Autograph Journey Visa® Card Agreement-442574.md" }, { "question": "A bank assigns different APRs for purchases based on credit score. Bronze Tier (<=650 credit score) gets 28.75% APR. Silver Tier (<= 775 credit score) gets 20.50% APR. Gold Tier (> 775 credit score) gets 15.25% APR. If a cardholder with a credit score of 725 makes $4,500 purchase on their credit card, what APR will they be charged?", "ground_truth": "20.50", "output_units": "%", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 3, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 3, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "less", "arg_1": 725, "arg_2": 650, "resp": "FALSE" }, { "operator": "less", "arg_1": 725, "arg_2": 775, "resp": "TRUE" }, { "operator": "if", "arg_1": "#1", "arg_2": { "operator": "if", "arg_1": "#0", "arg_2": 28.75, "arg_3": 20.5 }, "arg_3": 15.25, "resp": 20.5 } ], "program": [ "less(725, 650)", "less(725, 775)", "if(#1, {'operator': 'if', 'arg_1': '#0', 'arg_2': 28.75, 'arg_3': 20.5}, 15.25)" ], "question_tense": "THIRD", "financial_terms": [ "PROMOTIONAL APR", "PURCHASE APR", "CREDIT TIER", "CREDIT-SCORE APR TIER", "CONDITIONAL FINANCIAL RULE", "CHASE CARD TERMS", "ZERO PERCENT PROMOTIONAL APR" ], "credit_card": "Wells Fargo Autograph Journey Visa® Card Agreement-442574.md" }, { "question": "The late fee is capped at the lesser of $35 or the minimum payment amount. If the minimum payment is $25, what late fee will be charged?", "ground_truth": "25.00", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "min", "arg_1": "35", "arg_2": "25", "resp": 25 } ], "program": [ "min(35, 25)" ], "question_tense": "THIRD", "financial_terms": [ "LATE PAYMENT FEE", "MINIMUM PAYMENT", "MINIMUM FEE RULE", "FEE CAP", "LESSER-OF FEE RULE", "MINIMUM PAYMENT FORMULA", "MINIMUM SELECTION" ], "credit_card": "Wells Fargo Health Advantage Private Label-255546.md" }, { "question": "For a first late payment, a bank charges the lesser of $29 or 50% of the balance. If the balance is $40, what will the fee be?", "ground_truth": "20.00", "output_units": "$", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "50", "arg_2": "100", "resp": 0.5 }, { "operator": "multiply", "arg_1": "40", "arg_2": "#0", "resp": 20.0 }, { "operator": "min", "arg_1": "29", "arg_2": "#1", "resp": 20.0 } ], "program": [ "divide(50, 100)", "multiply(40, #0)", "min(29, #1)" ], "question_tense": "THIRD", "financial_terms": [ "LATE PAYMENT FEE", "ACCOUNT BALANCE", "LESSER-OF FEE RULE", "MINIMUM SELECTION", "PERCENTAGE-BASED FEE" ], "credit_card": "Wells Fargo Health Advantage Private Label-255546.md" }, { "question": "A cardholder’s minimum payment is $35. If policy says “the lesser of $40 or the min payment,” which fee is charged?", "ground_truth": "35.00", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "min", "arg_1": "40", "arg_2": "35", "resp": 35.0 } ], "program": [ "min(40, 35)" ], "question_tense": "THIRD", "financial_terms": [ "LATE PAYMENT FEE", "MINIMUM PAYMENT", "MINIMUM FEE RULE", "LESSER-OF FEE RULE", "MINIMUM PAYMENT FORMULA", "MINIMUM SELECTION" ], "credit_card": "Wells Fargo Health Advantage Private Label-255546.md" }, { "question": "If daily interest is $0.71, how many days until interest reaches $10?", "ground_truth": "14", "output_units": "day", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "10", "arg_2": "0.71", "resp": 14.08450704 }, { "operator": "floor", "arg_1": "#0", "resp": 14.0 } ], "program": [ "divide(10, 0.71)", "floor(#0)" ], "question_tense": "THIRD", "financial_terms": [ "DAILY PERIODIC RATE", "PAYOFF TIME", "ROUND-DOWN RULE" ], "credit_card": "Wells Fargo Health Advantage Private Label-255546.md" }, { "question": "Is $29 more than $25 minimum payment?", "ground_truth": "TRUE", "output_units": "binary", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "greater", "arg_1": "29", "arg_2": "25", "resp": "TRUE" } ], "program": [ "greater(29, 25)" ], "question_tense": "THIRD", "financial_terms": [ "LATE PAYMENT FEE", "MINIMUM PAYMENT", "MINIMUM PAYMENT FORMULA" ], "credit_card": "Wells Fargo Health Advantage Private Label-255546.md" }, { "question": "If the user withholds $50 on $300 statement, how many dollars do they still pay and is that at least $200?", "ground_truth": "TRUE", "output_units": "binary", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "subtract", "arg_1": "300", "arg_2": "50", "resp": 250.0 }, { "operator": "greater_equal", "arg_1": "#0", "arg_2": "200", "resp": "TRUE" } ], "program": [ "subtract(300, 50)", "greater_equal(#0, 200)" ], "question_tense": "THIRD", "financial_terms": [ "RETURNED PAYMENT" ], "credit_card": "Wells Fargo Health Advantage Private Label-255546.md" }, { "question": "If the statement total is $60, and $40 is the penalty portion, how many dollars remain for interest and does that exceed $15?", "ground_truth": "TRUE", "output_units": "binary", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "subtract", "arg_1": "60", "arg_2": "40", "resp": 20.0 }, { "operator": "greater", "arg_1": "#0", "arg_2": "15", "resp": "TRUE" } ], "program": [ "subtract(60, 40)", "greater(#0, 15)" ], "question_tense": "THIRD", "financial_terms": [ "LATE PAYMENT FEE" ], "credit_card": "Wells Fargo Health Advantage Private Label-255546.md" }, { "question": "A credit card offers 0% APR for 6 months on $1,200 purchase. If the regular APR is 20%, how much interest is saved during the promotional period?", "ground_truth": "120.00", "output_units": "$", "input_units": { "from_doc": { "%": 2, "month": 1, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 1, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "20", "arg_2": "100", "resp": 0.2 }, { "operator": "divide", "arg_1": "#0", "arg_2": "12", "resp": 0.0166666667 }, { "operator": "multiply", "arg_1": "1200", "arg_2": "#1", "resp": 20.0 }, { "operator": "multiply", "arg_1": "#2", "arg_2": "6", "resp": 120.0 } ], "program": [ "divide(20, 100)", "divide(#0, 12)", "multiply(1200, #1)", "multiply(#2, 6)" ], "question_tense": "THIRD", "financial_terms": [ "PROMOTIONAL APR", "PURCHASE APR", "CHASE CARD TERMS", "ZERO PERCENT PROMOTIONAL APR" ], "credit_card": "Wells Fargo Health Advantage Private Label-255546.md" }, { "question": "If 60% of the minimum payment goes to principal reduction, how much is applied to interest and fees?", "ground_truth": "36.00", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "60", "arg_2": "100", "resp": 0.6 }, { "operator": "multiply", "arg_1": "90", "arg_2": "#0", "resp": 54.0 }, { "operator": "subtract", "arg_1": "90", "arg_2": "#1", "resp": 36.0 } ], "program": [ "divide(60, 100)", "multiply(90, #0)", "subtract(90, #1)" ], "question_tense": "THIRD", "financial_terms": [ "MINIMUM PAYMENT", "MINIMUM FEE RULE", "MINIMUM PAYMENT FORMULA", "PRINCIPAL REDUCTION", "PERCENTAGE-BASED FEE" ], "credit_card": "Wells Fargo Health Advantage Private Label-255546.md" }, { "question": "Samwell and Cersei both transfereed balances to their Navy Federal cashRewards cards during a promotional APR period that lasted 12 months. Samwell transferred $9200 and Cersei transferred $7400. The minimum monthly payment is 1.8% of the outstanding balance. Samwell forgets to make a payment in the fourth month and Cersei misses one in the sixth month. Assume the standard APR is 16%. Given this information, who will accrue more interest after one year? Assume daily compounding and that no further payments are made?", "ground_truth": "Samwell", "output_units": "categorical", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 2, "month": 2, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 2, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "9200", "arg_2": "0.018", "resp": 165.6 }, { "operator": "multiply", "arg_1": "7400", "arg_2": "0.018", "resp": 133.2 }, { "operator": "divide", "arg_1": "0.16", "arg_2": "365", "resp": 0.0004383561643835616 }, { "operator": "multiply", "arg_1": "4", "arg_2": "30", "resp": 120 }, { "operator": "multiply", "arg_1": "6", "arg_2": "30", "resp": 180 }, { "operator": "subtract", "arg_1": "365", "arg_2": "#3", "resp": 245 }, { "operator": "subtract", "arg_1": "365", "arg_2": "#4", "resp": 185 }, { "operator": "add", "arg_1": "#2", "arg_2": "1", "resp": 1.0004383561643837 }, { "operator": "exponent", "arg_1": "#7", "arg_2": "#5", "resp": 1.1133502669333062 }, { "operator": "exponent", "arg_1": "#7", "arg_2": "#6", "resp": 1.084455612190086 }, { "operator": "multiply", "arg_1": "9200", "arg_2": "#8", "resp": 10242.822455786418 }, { "operator": "multiply", "arg_1": "7400", "arg_2": "#9", "resp": 8024.971530206636 }, { "operator": "subtract", "arg_1": "#10", "arg_2": "9200", "resp": 1042.8224557864178 }, { "operator": "subtract", "arg_1": "#11", "arg_2": "7400", "resp": 624.9715302066361 }, { "operator": "greater", "arg_1": "#12", "arg_2": "#13", "resp": "TRUE" }, { "operator": "if", "arg_1": "#14", "arg_2": "Samwell,Cersei", "resp": "Samwell" } ], "program": [ "multiply(9200, 0.018)", "multiply(7400, 0.018)", "divide(0.16, 365)", "multiply(4, 30)", "multiply(6, 30)", "subtract(365, #3)", "subtract(365, #4)", "add(#2, 1)", "exponent(#7, #5)", "exponent(#7, #6)", "multiply(9200, #8)", "multiply(7400, #9)", "subtract(#10, 9200)", "subtract(#11, 7400)", "greater(#12, #13)", "if(#14, Samwell,Cersei)" ], "question_tense": "THIRD", "financial_terms": [ "PROMOTIONAL APR", "LATE PAYMENT", "ACCOUNT BALANCE", "REWARDS", "DAILY COMPOUNDING", "DAILY COMPOUNDING INTEREST", "OUTSTANDING BALANCE", "365-DAY RATE BASIS", "CONDITIONAL FINANCIAL RULE", "EXPONENTIAL INTEREST CALCULATION", "NAVY FEDERAL CARD TERMS", "PERCENTAGE-BASED FEE" ], "credit_card": "nfcu_573CC_3-24-461850.md" }, { "question": "Violet and Xaden both use their Navy Federal credit cards for different transactions. Violet initiates $300 balance transfer to her Navy Federal account, while Xaden writes $250 convenience check to cover an expense. Both assume that they have a grace period before interest is charged so they each carry over their balances for 4 months without paying it off. Now Violet believes she will ow less than $10 interest on her balance transfer, and Xaden thinks that his interest will be less than half of Violet's interest. Are their assumptions correct? Assume the minimum regular APR is applied?", "ground_truth": "FALSE", "output_units": "binary", "input_units": { "from_doc": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 2, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 2, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "subtract", "arg_1": "4", "arg_2": "2", "resp": 2 }, { "operator": "divide", "arg_1": "0.149", "arg_2": "365", "resp": 0.00040821917808219176 }, { "operator": "add", "arg_1": "#1", "arg_2": "1", "resp": 1.000408219178082 }, { "operator": "multiply", "arg_1": "30", "arg_2": "2", "resp": 60 }, { "operator": "exponent", "arg_1": "#2", "arg_2": "#3", "resp": 1.0247904500949465 }, { "operator": "multiply", "arg_1": "#4", "arg_2": "300.00", "resp": 307.43713502848397 }, { "operator": "multiply", "arg_1": "#4", "arg_2": "250.00", "resp": 256.1976125237366 }, { "operator": "divide", "arg_1": "0.18", "arg_2": "365", "resp": 0.0004931506849315068 }, { "operator": "add", "arg_1": "#7", "arg_2": "1", "resp": 1.0004931506849315 }, { "operator": "multiply", "arg_1": "30", "arg_2": "#0", "resp": 60 }, { "operator": "exponent", "arg_1": "#8", "arg_2": "#9", "resp": 1.030023633955047 }, { "operator": "multiply", "arg_1": "#5", "arg_2": "#10", "resp": 316.6675150347675 }, { "operator": "multiply", "arg_1": "#6", "arg_2": "#10", "resp": 263.88959586230624 }, { "operator": "subtract", "arg_1": "#11", "arg_2": "300.00", "resp": 16.66751503476752 }, { "operator": "subtract", "arg_1": "#12", "arg_2": "250.00", "resp": 13.889595862306237 }, { "operator": "divide", "arg_1": "#14", "arg_2": "#13", "resp": 0.8333333333333316 }, { "operator": "multiply", "arg_1": "#15", "arg_2": "100", "resp": 83.33333333333316 }, { "operator": "less", "arg_1": "#16", "arg_2": "50", "resp": "FALSE" }, { "operator": "less", "arg_1": "#13", "arg_2": "10", "resp": "FALSE" }, { "operator": "if", "arg_1": "#18", "arg_2": "#17,False", "resp": "False" } ], "program": [ "subtract(4, 2)", "divide(0.149, 365)", "add(#1, 1)", "multiply(30, 2)", "exponent(#2, #3)", "multiply(#4, 300.00)", "multiply(#4, 250.00)", "divide(0.18, 365)", "add(#7, 1)", "multiply(30, #0)", "exponent(#8, #9)", "multiply(#5, #10)", "multiply(#6, #10)", "subtract(#11, 300.00)", "subtract(#12, 250.00)", "divide(#14, #13)", "multiply(#15, 100)", "less(#16, 50)", "less(#13, 10)", "if(#18, #17,False)" ], "question_tense": "THIRD", "financial_terms": [ "BALANCE TRANSFER APR", "CONVENIENCE CHECK", "ACCOUNT BALANCE", "GRACE PERIOD", "MINIMUM FEE RULE", "CHECK CASH ADVANCE", "365-DAY RATE BASIS", "CONDITIONAL FINANCIAL RULE", "EXPONENTIAL INTEREST CALCULATION", "NAVY FEDERAL CARD TERMS", "INTEREST OWED" ], "credit_card": "nfcu_573CC_3-24-461850.md" }, { "question": "Dean is traveling in Germany an spends €1,500 at a high-end restaurant, €750 on a tour , €2,500 on hotels, €400 on a train ticket, and withdraws €500 from an ATM. Assume the exchange rate is 1 USD = 1.10 EUR. Dean has a direct deposit and a cashRewards card with Navy Federal, so he wonders if his cash back rewards will be reduced due to foreign transaction fees. Is it true or false that he will receive reduced cash back on his purchases?", "ground_truth": "FALSE", "output_units": "binary", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 5, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 5, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "1500", "arg_2": "1.10", "resp": 1363.6363636363635 }, { "operator": "divide", "arg_1": "750", "arg_2": "1.10", "resp": 681.8181818181818 }, { "operator": "divide", "arg_1": "2500", "arg_2": "1.10", "resp": 2272.7272727272725 }, { "operator": "divide", "arg_1": "400", "arg_2": "1.10", "resp": 363.6363636363636 }, { "operator": "divide", "arg_1": "500", "arg_2": "1.10", "resp": 454.5454545454545 }, { "operator": "add", "arg_1": "#0", "arg_2": "#1", "resp": 2045.4545454545453 }, { "operator": "add", "arg_1": "#5", "arg_2": "#2", "resp": 4318.181818181818 }, { "operator": "add", "arg_1": "#6", "arg_2": "#3", "resp": 4681.818181818182 }, { "operator": "greater", "arg_1": "#4", "arg_2": "0", "resp": "TRUE" }, { "operator": "if", "arg_1": "#8", "arg_2": "\"Dean only pays fees on the ATM withdrawal\", \"Felix pays fees on all foreign transactions\"", "resp": "Dean only pays fees on the ATM withdrawal" }, { "operator": "if", "arg_1": "#8", "arg_2": "\"True\", \"False\"", "resp": "True" }, { "operator": "if", "arg_1": "#10", "arg_2": "\"No\", \"Yes\"", "resp": "FALSE" } ], "program": [ "divide(1500, 1.10)", "divide(750, 1.10)", "divide(2500, 1.10)", "divide(400, 1.10)", "divide(500, 1.10)", "add(#0, #1)", "add(#5, #2)", "add(#6, #3)", "greater(#4, 0)", "if(#8, \"Dean only pays fees on the ATM withdrawal\", \"Felix pays fees on all foreign transactions\")", "if(#8, \"True\", \"False\")", "if(#10, \"No\", \"Yes\")" ], "question_tense": "THIRD", "financial_terms": [ "PURCHASE TRANSACTION", "FOREIGN TRANSACTION FEE", "DIRECT DEPOSIT", "REWARDS", "CURRENCY CONVERSION", "ATM CASH ADVANCE", "EXCHANGE RATE CONVERSION", "CASH BACK REWARD", "TRUE FALSE FINANCIAL RULE", "TRANSACTION FEE CALCULATION", "CONDITIONAL FINANCIAL RULE", "CHASE CARD TERMS", "NAVY FEDERAL CARD TERMS", "DIRECT DEPOSIT FEE" ], "credit_card": "nfcu_573CC_3-24-461850.md" }, { "question": "If I have two cards, one with a 15% APR, and another with a 14.9% APR and have respective outstanding balances of $500 and $1000 on each card, which card should I try to pay off first assuming I can only contribute $500 each month?", "ground_truth": "Card 2", "output_units": "categorical", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "0.15", "arg_2": "365", "resp": 0.000410958904109589 }, { "operator": "divide", "arg_1": "0.149", "arg_2": "365", "resp": 0.00040821917808219176 }, { "operator": "add", "arg_1": "#0", "arg_2": "1", "resp": 1.0004109589041097 }, { "operator": "add", "arg_1": "#1", "arg_2": "1", "resp": 1.000408219178082 }, { "operator": "exponent", "arg_1": "#2", "arg_2": "365", "resp": 1.1617984431282737 }, { "operator": "exponent", "arg_1": "#3", "arg_2": "365", "resp": 1.1606377005804485 }, { "operator": "multiply", "arg_1": "#4", "arg_2": "500", "resp": 580.8992215641368 }, { "operator": "multiply", "arg_1": "#5", "arg_2": "1000", "resp": 1160.6377005804484 }, { "operator": "subtract", "arg_1": "#6", "arg_2": "500", "resp": 80.89922156413684 }, { "operator": "subtract", "arg_1": "#7", "arg_2": "1000", "resp": 160.63770058044838 }, { "operator": "max", "arg_1": "#8", "arg_2": "#9", "resp": 160.63770058044838 }, { "operator": "subtract", "arg_1": "#10", "arg_2": "#8", "resp": 79.73847901631154 }, { "operator": "abs", "arg_1": "#11", "arg_2": "1", "resp": 79.73847901631154 }, { "operator": "less_equal", "arg_1": "#12", "arg_2": "0", "resp": "FALSE" }, { "operator": "if", "arg_1": "#13", "arg_2": "Card 1 , Card 2", "resp": "Card 2" } ], "program": [ "divide(0.15, 365)", "divide(0.149, 365)", "add(#0, 1)", "add(#1, 1)", "exponent(#2, 365)", "exponent(#3, 365)", "multiply(#4, 500)", "multiply(#5, 1000)", "subtract(#6, 500)", "subtract(#7, 1000)", "max(#8, #9)", "subtract(#10, #8)", "abs(#11, 1)", "less_equal(#12, 0)", "if(#13, Card 1 , Card 2)" ], "question_tense": "FIRST", "financial_terms": [ "VARIABLE APR", "PAYOFF TIME", "BALANCE PAYOFF", "CARD OPTION COMPARISON", "OUTSTANDING BALANCE", "365-DAY RATE BASIS", "MAXIMUM SELECTION", "CONDITIONAL FINANCIAL RULE", "EXPONENTIAL INTEREST CALCULATION" ], "credit_card": "nfcu_573CC_3-24-461850.md" }, { "question": "The cardholder is traveling across Spain, Portugal, and Greece and need $6,000 in cash advances. the cardholder can withdraw all $6000 at once from a single ATM with repayment after 45 days or withdraw $2000 in each country and repay the first withdrawal after 45 days, the second after 40 days, and the third after 35 days. The regular APR is 17%. Which option should the cardholder choose?", "ground_truth": "Option 2", "output_units": "categorical", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 3, "year": 0, "$": 4, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 3, "year": 0, "$": 4, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "add", "arg_1": "0.17", "arg_2": "0.02", "resp": 0.19 }, { "operator": "divide", "arg_1": "#0", "arg_2": "365", "resp": 0.0005205479452 }, { "operator": "add", "arg_1": "#1", "arg_2": "1", "resp": 1.0005205479452 }, { "operator": "exponent", "arg_1": "#2", "arg_2": "45", "resp": 1.0236949305 }, { "operator": "multiply", "arg_1": "6000", "arg_2": "#3", "resp": 6142.1695831 }, { "operator": "add", "arg_1": "#4", "arg_2": "1", "resp": 6143.1695831 }, { "operator": "multiply", "arg_1": "2000", "arg_2": "#3", "resp": 2047.389861 }, { "operator": "exponent", "arg_1": "#2", "arg_2": "40", "resp": 1.0210346749 }, { "operator": "multiply", "arg_1": "2000", "arg_2": "#7", "resp": 2042.0693497 }, { "operator": "exponent", "arg_1": "#2", "arg_2": "35", "resp": 1.0183813324 }, { "operator": "multiply", "arg_1": "2000", "arg_2": "#9", "resp": 2036.7626648 }, { "operator": "add", "arg_1": "#6", "arg_2": "#8", "resp": 4089.4592107 }, { "operator": "add", "arg_1": "#11", "arg_2": "#10", "resp": 6126.2218756 }, { "operator": "add", "arg_1": "1", "arg_2": "1", "resp": 2 }, { "operator": "add", "arg_1": "#13", "arg_2": "1", "resp": 3 }, { "operator": "add", "arg_1": "#12", "arg_2": "#14", "resp": 6129.2218756 }, { "operator": "min", "arg_1": "#15", "arg_2": "#5", "resp": 6129.2218756 }, { "operator": "less_equal", "arg_1": "#15", "arg_2": "#5", "resp": "TRUE" }, { "operator": "if", "arg_1": "#17", "arg_2": "Option 2 , Option 1", "resp": "Option 2" } ], "program": [ "add(0.17, 0.02)", "divide(#0, 365)", "add(#1, 1)", "exponent(#2, 45)", "multiply(6000, #3)", "add(#4, 1)", "multiply(2000, #3)", "exponent(#2, 40)", "multiply(2000, #7)", "exponent(#2, 35)", "multiply(2000, #9)", "add(#6, #8)", "add(#11, #10)", "add(1, 1)", "add(#13, 1)", "add(#12, #14)", "min(#15, #5)", "less_equal(#15, #5)", "if(#17, Option 2 , Option 1)" ], "question_tense": "THIRD", "financial_terms": [ "CASH ADVANCE APR", "ATM CASH ADVANCE", "365-DAY RATE BASIS", "MINIMUM SELECTION", "CONDITIONAL FINANCIAL RULE", "EXPONENTIAL INTEREST CALCULATION" ], "credit_card": "nfcu_573CC_3-24-461850.md" }, { "question": "Steve switched to a Navy Federal credit card and expects it to work like his previous card, which had a minimum interest charge of $2.00. He has an outstandiing balance of $8.00 on his new card that is carried over for four billing cycles without making any payments. When checking his statement, is it true that he will see at least $2.00 interest charge like his old card? Assume the regular APR is 15%?", "ground_truth": "FALSE", "output_units": "binary", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 1, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 1, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "subtract", "arg_1": "4", "arg_2": "2", "resp": 2.0 }, { "operator": "divide", "arg_1": "0.15", "arg_2": "365", "resp": 0.000410958904109589 }, { "operator": "add", "arg_1": "#1", "arg_2": "1", "resp": 1.0004109589041097 }, { "operator": "multiply", "arg_1": "30", "arg_2": "2", "resp": 60.0 }, { "operator": "exponent", "arg_1": "#2", "arg_2": "#3", "resp": 1.0249588536638383 }, { "operator": "multiply", "arg_1": "#4", "arg_2": "8.00", "resp": 8.199670829310707 }, { "operator": "divide", "arg_1": "0.18", "arg_2": "365", "resp": 0.0004931506849315068 }, { "operator": "add", "arg_1": "#6", "arg_2": "1", "resp": 1.0004931506849315 }, { "operator": "multiply", "arg_1": "30", "arg_2": "#0", "resp": 60.0 }, { "operator": "exponent", "arg_1": "#7", "arg_2": "#8", "resp": 1.030023633955047 }, { "operator": "multiply", "arg_1": "#5", "arg_2": "#9", "resp": 8.445854744841808 }, { "operator": "subtract", "arg_1": "#10", "arg_2": "8.00", "resp": 0.4458547448418084 }, { "operator": "round", "arg_1": "#11", "arg_2": "2", "resp": 0.45 }, { "operator": "greater_equal", "arg_1": "#12", "arg_2": "2", "resp": "FALSE" }, { "operator": "if", "arg_1": "#13", "arg_2": "\"Yes\", \"No\"", "resp": "FALSE" } ], "program": [ "subtract(4, 2)", "divide(0.15, 365)", "add(#1, 1)", "multiply(30, 2)", "exponent(#2, #3)", "multiply(#4, 8.00)", "divide(0.18, 365)", "add(#6, 1)", "multiply(30, #0)", "exponent(#7, #8)", "multiply(#5, #9)", "subtract(#10, 8.00)", "round(#11, 2)", "greater_equal(#12, 2)", "if(#13, \"Yes\", \"No\")" ], "question_tense": "THIRD", "financial_terms": [ "MINIMUM INTEREST CHARGE", "ACCOUNT BALANCE", "BILLING CYCLE", "INTEREST ACCRUAL", "MINIMUM FEE RULE", "BILLING-CYCLE INTEREST", "ROUNDING RULE", "365-DAY RATE BASIS", "CONDITIONAL FINANCIAL RULE", "EXPONENTIAL INTEREST CALCULATION", "NAVY FEDERAL CARD TERMS" ], "credit_card": "nfcu_573CC_3-24-461850.md" }, { "question": "If I have $5000 balance on my credit card with an APR of 15% and plan to pay $500 per month toward the outstanding balance. If I do this how long will it be before my balance reaches zero? Assume there are no other expenses and there is daily compounding?", "ground_truth": "11", "output_units": "month", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "0.15", "arg_2": "365", "resp": 0.000410958904109589 }, { "operator": "add", "arg_1": "#0", "arg_2": "1", "resp": 1.0004109589041097 }, { "operator": "exponent", "arg_1": "#1", "arg_2": "30", "resp": 1.0124025156348824 }, { "operator": "subtract", "arg_1": "#2", "arg_2": "1", "resp": 0.012402515634882372 }, { "operator": "multiply", "arg_1": "#3", "arg_2": "5000", "resp": 62.01257817441186 }, { "operator": "subtract", "arg_1": "500", "arg_2": "#4", "resp": 437.98742182558817 }, { "operator": "divide", "arg_1": "500", "arg_2": "#5", "resp": 1.141585294655119 }, { "operator": "ln", "arg_1": "#6", "arg_2": "1", "resp": 0.13241790575127263 }, { "operator": "add", "arg_1": "#3", "arg_2": "1", "resp": 1.0124025156348824 }, { "operator": "ln", "arg_1": "#8", "arg_2": "1", "resp": 0.012326234508820994 }, { "operator": "divide", "arg_1": "#7", "arg_2": "#9", "resp": 10.74277028045432 }, { "operator": "ceil", "arg_1": "#10", "arg_2": "1", "resp": 11 } ], "program": [ "divide(0.15, 365)", "add(#0, 1)", "exponent(#1, 30)", "subtract(#2, 1)", "multiply(#3, 5000)", "subtract(500, #4)", "divide(500, #5)", "ln(#6, 1)", "add(#3, 1)", "ln(#8, 1)", "divide(#7, #9)", "ceil(#10, 1)" ], "question_tense": "FIRST", "financial_terms": [ "VARIABLE APR", "DAILY COMPOUNDING", "PAYOFF TIME", "DAILY COMPOUNDING INTEREST", "MONTHLY PAYMENT", "OUTSTANDING BALANCE", "ROUND-UP RULE", "365-DAY RATE BASIS", "LOGARITHMIC PAYOFF CALCULATION", "EXPONENTIAL INTEREST CALCULATION" ], "credit_card": "nfcu_573CC_3-24-461850.md" }, { "question": "Jordan is debating between two credit cards: Navy Federal with with the minimum APR and another with a 16.5% APR. If he wants to carry $3,000 balance for 10 months without making payments, is it true that the total interest saved by choosing the lower APR will be more than $100? Assume daily compounding?", "ground_truth": "FALSE", "output_units": "binary", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 2, "month": 1, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 1, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "0.149", "arg_2": "365", "resp": 0.00040821917808219176 }, { "operator": "divide", "arg_1": "0.165", "arg_2": "365", "resp": 0.00045205479452054795 }, { "operator": "add", "arg_1": "#0", "arg_2": "1", "resp": 1.000408219178082 }, { "operator": "add", "arg_1": "#1", "arg_2": "1", "resp": 1.0004520547945206 }, { "operator": "exponent", "arg_1": "#2", "arg_2": "300", "resp": 1.1302521662370193 }, { "operator": "exponent", "arg_1": "#3", "arg_2": "300", "resp": 1.1452074441889835 }, { "operator": "multiply", "arg_1": "#4", "arg_2": "3000", "resp": 3390.7564987110577 }, { "operator": "multiply", "arg_1": "#5", "arg_2": "3000", "resp": 3435.6223325669503 }, { "operator": "subtract", "arg_1": "#7", "arg_2": "#6", "resp": 44.86583385589256 }, { "operator": "greater", "arg_1": "#8", "arg_2": "100", "resp": "FALSE" } ], "program": [ "divide(0.149, 365)", "divide(0.165, 365)", "add(#0, 1)", "add(#1, 1)", "exponent(#2, 300)", "exponent(#3, 300)", "multiply(#4, 3000)", "multiply(#5, 3000)", "subtract(#7, #6)", "greater(#8, 100)" ], "question_tense": "THIRD", "financial_terms": [ "VARIABLE APR", "ACCOUNT BALANCE", "DAILY COMPOUNDING", "INTEREST ACCRUAL", "MINIMUM APR TEST", "DAILY COMPOUNDING INTEREST", "365-DAY RATE BASIS", "EXPONENTIAL INTEREST CALCULATION", "NAVY FEDERAL CARD TERMS" ], "credit_card": "nfcu_573CC_3-24-461850.md" }, { "question": "A cardholder has an outstanding balance of $4,200 and a past due amount of $2,100 from a previous billing cycle. On August 5th, they attempt to make $2,000 payment, but the payment is returned unpaid on August 12th. The minimum payment due for this cycle is $250, and the payment due date is August 30th. The cardholder attempts to make another payment of $1,500 on September 10th, but this payment is also returned unpaid on September 15th, incurring a second returned payment fee of $20. No further payments are made. If the billing cycle ended on August 31st and the regular APR is 15% (compounded daily), how long will it take for the cardholder’s total balance to double due to interest? Assume the penalty APR applies when applicable?", "ground_truth": "46.9", "output_units": "month", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "add", "arg_1": "4200", "arg_2": "2100", "resp": 6300 }, { "operator": "multiply", "arg_1": "20", "arg_2": "2", "resp": 40 }, { "operator": "add", "arg_1": "#0", "arg_2": "#1", "resp": 6340 }, { "operator": "divide", "arg_1": "0.18", "arg_2": "365", "resp": 0.0004931506849 }, { "operator": "add", "arg_1": "#3", "arg_2": "1", "resp": 1.0004931506849 }, { "operator": "multiply", "arg_1": "#2", "arg_2": "2", "resp": 12680 }, { "operator": "divide", "arg_1": "#5", "arg_2": "#2", "resp": 2 }, { "operator": "ln", "arg_1": "#6", "arg_2": "1", "resp": 0.693147 }, { "operator": "ln", "arg_1": "#4", "arg_2": "1", "resp": 0.000493028 }, { "operator": "divide", "arg_1": "#7", "arg_2": "#8", "resp": 1405.9 }, { "operator": "divide", "arg_1": "#9", "arg_2": "30", "resp": "46.9" } ], "program": [ "add(4200, 2100)", "multiply(20, 2)", "add(#0, #1)", "divide(0.18, 365)", "add(#3, 1)", "multiply(#2, 2)", "divide(#5, #2)", "ln(#6, 1)", "ln(#4, 1)", "divide(#7, #8)", "divide(#9, 30)" ], "question_tense": "THIRD", "financial_terms": [ "PENALTY APR", "RETURNED PAYMENT FEE", "MINIMUM PAYMENT", "ACCOUNT BALANCE", "BILLING CYCLE", "DAILY COMPOUNDING", "PAYOFF TIME", "MINIMUM FEE RULE", "PAYMENT DUE DATE", "RETURNED ITEM FEE", "DAILY COMPOUNDING INTEREST", "BILLING-CYCLE INTEREST", "MINIMUM PAYMENT FORMULA", "PAYMENT DUE DATE CALCULATION", "MINIMUM PAYMENT DUE", "PAST-DUE BALANCE" ], "credit_card": "nfcu_573CC_3-24-461850.md" }, { "question": "Jack is going to Tokyo and uses his cashRewards credit card to buy food, souvenirs, hotel, etc. Specifically he spends ¥180,000 at restaurants, ¥75,000 on souvenirs, ¥300,000 on a hotel stay, ¥60,000 on flights, and withdraws ¥90,000 from a foreign ATM. He notices that the total charged to his credit card in USD is higher than expected based on the exchange rate and wonders if he has been charged foreign transaction fees. Is it true or false that the extra amount Jack sees is due to Navy Federal charging a foreign transaction fee? The exchange rate is 1 USD = 150 JPY?", "ground_truth": "FALSE", "output_units": "binary", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 5, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 5, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "180000", "arg_2": "150", "resp": 1200.0 }, { "operator": "divide", "arg_1": "75000", "arg_2": "150", "resp": 500.0 }, { "operator": "divide", "arg_1": "300000", "arg_2": "150", "resp": 2000.0 }, { "operator": "divide", "arg_1": "60000", "arg_2": "150", "resp": 400.0 }, { "operator": "divide", "arg_1": "90000", "arg_2": "150", "resp": 600.0 }, { "operator": "add", "arg_1": "#0", "arg_2": "#1", "resp": 1700.0 }, { "operator": "add", "arg_1": "#5", "arg_2": "#2", "resp": 3700.0 }, { "operator": "add", "arg_1": "#6", "arg_2": "#3", "resp": 4100.0 }, { "operator": "add", "arg_1": "#7", "arg_2": "#4", "resp": 4700.0 }, { "operator": "greater", "arg_1": "#4", "arg_2": "0", "resp": "TRUE" }, { "operator": "if", "arg_1": "#9", "arg_2": "\"Yes\", \"No\"", "resp": "Yes" }, { "operator": "if", "arg_1": "#9", "arg_2": "\"No\", \"Yes\"", "resp": "FALSE" } ], "program": [ "divide(180000, 150)", "divide(75000, 150)", "divide(300000, 150)", "divide(60000, 150)", "divide(90000, 150)", "add(#0, #1)", "add(#5, #2)", "add(#6, #3)", "add(#7, #4)", "greater(#4, 0)", "if(#9, \"Yes\", \"No\")", "if(#9, \"No\", \"Yes\")" ], "question_tense": "THIRD", "financial_terms": [ "FOREIGN TRANSACTION FEE", "REWARDS", "CURRENCY CONVERSION", "ATM CASH ADVANCE", "EXCHANGE RATE CONVERSION", "TRUE FALSE FINANCIAL RULE", "TRANSACTION FEE CALCULATION", "CONDITIONAL FINANCIAL RULE", "NAVY FEDERAL CARD TERMS" ], "credit_card": "nfcu_573CC_3-24-461850.md" }, { "question": "A cardholder has an outstanding balance of $3,500 and a past due amount of $1,800 from a previous billing cycle. On July 3rd, they attempt to make $1,500 payment, but the payment is returned unpaid on July 10th. The minimum payment due for this cycle is $200, and the payment due date is July 30th. The cardholder does not make any further payments. If the billing cycle ended on July 31st and the regular APR is 15% (compounded daily), how long will it take for the cardholder's total balance to grow by 50% due to interest? Assume the penalty APR applies when applicable?", "ground_truth": "27.4", "output_units": "month", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "add", "arg_1": "3500", "arg_2": "1800", "resp": 5300 }, { "operator": "multiply", "arg_1": "#0", "arg_2": "1.5", "resp": 7950 }, { "operator": "divide", "arg_1": "#1", "arg_2": "#0", "resp": 1.5 }, { "operator": "ln", "arg_1": "#2", "arg_2": "1", "resp": 0.405465 }, { "operator": "divide", "arg_1": "0.18", "arg_2": "365", "resp": 0.0004931506849 }, { "operator": "add", "arg_1": "#4", "arg_2": "1", "resp": 1.0004931506849 }, { "operator": "ln", "arg_1": "#5", "arg_2": "1", "resp": 0.000493028 }, { "operator": "divide", "arg_1": "#3", "arg_2": "#6", "resp": 822.4 }, { "operator": "divide", "arg_1": "#7", "arg_2": "30", "resp": "27.4" } ], "program": [ "add(3500, 1800)", "multiply(#0, 1.5)", "divide(#1, #0)", "ln(#2, 1)", "divide(0.18, 365)", "add(#4, 1)", "ln(#5, 1)", "divide(#3, #6)", "divide(#7, 30)" ], "question_tense": "THIRD", "financial_terms": [ "PENALTY APR", "RETURNED PAYMENT FEE", "MINIMUM PAYMENT", "ACCOUNT BALANCE", "BILLING CYCLE", "DAILY COMPOUNDING", "PAYOFF TIME", "PAYMENT DUE DATE", "RETURNED ITEM FEE", "DAILY COMPOUNDING INTEREST", "BILLING-CYCLE INTEREST", "MINIMUM PAYMENT FORMULA", "PAYMENT DUE DATE CALCULATION", "OUTSTANDING BALANCE", "MINIMUM PAYMENT DUE", "PAST-DUE BALANCE" ], "credit_card": "nfcu_573CC_3-24-461850.md" }, { "question": "Amanda received a Visa cashRewards Card with $4,200 credit line. She assumes that if she makes on-time payments for six months, she will automatically receive a credit limit increase to $5,000. Credit line increases only occur every 8 months and are capped at 15% per cycle. Will Amanda qualify for Visa Signature after six months?", "ground_truth": "FALSE", "output_units": "binary", "input_units": { "from_doc": { "%": 1, "month": 1, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 1, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 2, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "greater_equal", "arg_1": "6", "arg_2": "8", "resp": "FALSE" }, { "operator": "add", "arg_1": "0.15", "arg_2": "1", "resp": 1.15 }, { "operator": "multiply", "arg_1": "4200", "arg_2": "#1", "resp": 4830.0 }, { "operator": "greater_equal", "arg_1": "#2", "arg_2": "5000", "resp": "FALSE" }, { "operator": "if", "arg_1": "#0", "arg_2": "\"No\", \"Yes\"", "resp": "Yes" }, { "operator": "if", "arg_1": "#3", "arg_2": "\"No\", \"Yes\"", "resp": "Yes" }, { "operator": "if", "arg_1": "#0", "arg_2": "\"Yes\", \"No\"", "resp": "FALSE" } ], "program": [ "greater_equal(6, 8)", "add(0.15, 1)", "multiply(4200, #1)", "greater_equal(#2, 5000)", "if(#0, \"No\", \"Yes\")", "if(#3, \"No\", \"Yes\")", "if(#0, \"Yes\", \"No\")" ], "question_tense": "THIRD", "financial_terms": [ "CREDIT LIMIT", "REWARDS", "FEE CAP", "CREDIT LINE", "CONDITIONAL FINANCIAL RULE" ], "credit_card": "nfcu_573CC_3-24-461850.md" }, { "question": "If my balance transfer (ignoring the balance transfer fee) has accumulated an interest of 10%, has it been left unpaid for more than 6 months? Assume that I will pay the lower bound of DPR specified in the credit card agreement?", "ground_truth": "TRUE", "output_units": "binary", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "10", "arg_2": "100", "resp": 0.1 }, { "operator": "add", "arg_1": "1", "arg_2": "#0", "resp": 1.1 }, { "operator": "ln", "arg_1": "#1", "arg_2": "1", "resp": 0.09531017980432493 }, { "operator": "divide", "arg_1": "0.04381", "arg_2": "100", "resp": 0.0004381 }, { "operator": "add", "arg_1": "1", "arg_2": "#3", "resp": 1.0004381 }, { "operator": "ln", "arg_1": "#4", "arg_2": "1", "resp": 0.000438003963353219 }, { "operator": "divide", "arg_1": "#2", "arg_2": "#5", "resp": 217.60318361734056 }, { "operator": "divide", "arg_1": "#6", "arg_2": "30", "resp": 7.253439453911352 }, { "operator": "greater", "arg_1": "#7", "arg_2": "6", "resp": "TRUE" } ], "program": [ "divide(10, 100)", "add(1, #0)", "ln(#1, 1)", "divide(0.04381, 100)", "add(1, #3)", "ln(#4, 1)", "divide(#2, #5)", "divide(#6, 30)", "greater(#7, 6)" ], "question_tense": "FIRST", "financial_terms": [ "DAILY PERIODIC RATE", "BALANCE TRANSFER APR", "BALANCE TRANSFER FEE", "ACCOUNT BALANCE", "LOGARITHMIC PAYOFF CALCULATION" ], "credit_card": "Starbucks Rewards Visa Signature Agreement.pdf-255606.md" }, { "question": "If a customer withdraws $2500 past their credit card limit from an ATM, with the maximum APR, returns $2000 after 2 months and then has not paid off the rest, how long will it take (in years) for the money he owes to surpass the original withdraw amount?", "ground_truth": "7.28", "output_units": "year", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 1, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 1, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "add", "arg_1": "0.18", "arg_2": "0.02", "resp": 0.19999999999999998 }, { "operator": "divide", "arg_1": "#0", "arg_2": "365", "resp": 0.000547945205479452 }, { "operator": "add", "arg_1": "#1", "arg_2": "1", "resp": 1.0005479452054795 }, { "operator": "multiply", "arg_1": "2", "arg_2": "30", "resp": 60 }, { "operator": "exponent", "arg_1": "#2", "arg_2": "#3", "resp": 1.033413818126462 }, { "operator": "multiply", "arg_1": "#4", "arg_2": "2500", "resp": 2583.5345453161553 }, { "operator": "subtract", "arg_1": "#5", "arg_2": "2000", "resp": 583.5345453161553 }, { "operator": "divide", "arg_1": "2500", "arg_2": "#6", "resp": 4.2842365033342045 }, { "operator": "ln", "arg_1": "#7", "arg_2": "1", "resp": 1.4549423572554885 }, { "operator": "ln", "arg_1": "#2", "arg_2": "1", "resp": 0.0005477951383219629 }, { "operator": "divide", "arg_1": "#8", "arg_2": "#9", "resp": 2655.997206752054 }, { "operator": "divide", "arg_1": "#10", "arg_2": "365", "resp": 7.276704676033025 } ], "program": [ "add(0.18, 0.02)", "divide(#0, 365)", "add(#1, 1)", "multiply(2, 30)", "exponent(#2, #3)", "multiply(#4, 2500)", "subtract(#5, 2000)", "divide(2500, #6)", "ln(#7, 1)", "ln(#2, 1)", "divide(#8, #9)", "divide(#10, 365)" ], "question_tense": "THIRD", "financial_terms": [ "CASH ADVANCE APR", "PAYOFF TIME", "ATM CASH ADVANCE", "MAXIMUM APR TEST", "365-DAY RATE BASIS", "LOGARITHMIC PAYOFF CALCULATION", "EXPONENTIAL INTEREST CALCULATION" ], "credit_card": "nfcu_573CC_3-24-461850.md" }, { "question": "\"A customer has an outstanding balance of $1,600 and misses their payment deadline, incurring a late fee of $15. If they do not make any payments, how many months will it take (in years) for their total amount owed to double due to interest, assuming an APR of 17% and daily compounding? \"?", "ground_truth": "4.142442960670745", "output_units": "year", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "add", "arg_1": "1600", "arg_2": "15", "resp": 1615.0 }, { "operator": "multiply", "arg_1": "2", "arg_2": "#0", "resp": 3230.0 }, { "operator": "divide", "arg_1": "0.17", "arg_2": "365", "resp": 0.0004657534246575343 }, { "operator": "divide", "arg_1": "#1", "arg_2": "#0", "resp": 2.0 }, { "operator": "ln", "arg_1": "#3", "arg_2": "1", "resp": 0.6931471805599453 }, { "operator": "add", "arg_1": "#2", "arg_2": "1", "resp": 1.0004657534246575 }, { "operator": "ln", "arg_1": "#5", "arg_2": "1", "resp": 0.00046564499519748744 }, { "operator": "divide", "arg_1": "#4", "arg_2": "#6", "resp": 1488.5743167194798 }, { "operator": "divide", "arg_1": "#7", "arg_2": "30", "resp": 49.619143890649326 }, { "operator": "divide", "arg_1": "#8", "arg_2": "12", "resp": 4.13492865755411 }, { "operator": "add", "arg_1": "#9", "arg_2": "0.006666666666666666", "resp": 4.141595324220777 } ], "program": [ "add(1600, 15)", "multiply(2, #0)", "divide(0.17, 365)", "divide(#1, #0)", "ln(#3, 1)", "add(#2, 1)", "ln(#5, 1)", "divide(#4, #6)", "divide(#7, 30)", "divide(#8, 12)", "add(#9, 0.006666666666666666)" ], "question_tense": "THIRD", "financial_terms": [ "LATE PAYMENT FEE", "ACCOUNT BALANCE", "DAILY COMPOUNDING", "PAYOFF TIME", "DAILY COMPOUNDING INTEREST", "OUTSTANDING BALANCE", "365-DAY RATE BASIS", "LOGARITHMIC PAYOFF CALCULATION", "BALANCE DOUBLING TIME" ], "credit_card": "nfcu_573CC_3-24-461850.md" }, { "question": "Damon and Elena both have Navy Federal credit cards that they use for all sorts of transactions. On March 15, Damon initiates $540 balance transfer, while on March 20, Elena writes a convenience check for $460 to cover an expense. Both assume they have a grace period before interest is charged. Damon’s balance transfer accrues interest until July 10, while Elena’s convenience check accrues interest until July 25. Both have the minimum APR. How much total interest is charged for both of them, and what is the difference in the amount of interest each of them pays?", "ground_truth": "29.16", "output_units": "$", "input_units": { "from_doc": { "%": 2, "month": 0, "day": 1, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 2, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 3, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "0.149", "arg_2": "365", "resp": 0.00040821917808219176 }, { "operator": "add", "arg_1": "#0", "arg_2": "1", "resp": 1.000408219178082 }, { "operator": "exponent", "arg_1": "#1", "arg_2": "60", "resp": 1.0247904500949465 }, { "operator": "multiply", "arg_1": "#2", "arg_2": "540.00", "resp": 553.3868430512712 }, { "operator": "multiply", "arg_1": "#2", "arg_2": "460.00", "resp": 471.4036070436754 }, { "operator": "divide", "arg_1": "0.18", "arg_2": "365", "resp": 0.0004931506849315068 }, { "operator": "add", "arg_1": "#5", "arg_2": "1", "resp": 1.0004931506849315 }, { "operator": "subtract", "arg_1": "117", "arg_2": "60", "resp": 57 }, { "operator": "subtract", "arg_1": "127", "arg_2": "60", "resp": 67 }, { "operator": "exponent", "arg_1": "#6", "arg_2": "#7", "resp": 1.028501265134522 }, { "operator": "exponent", "arg_1": "#6", "arg_2": "#8", "resp": 1.033584596789678 }, { "operator": "multiply", "arg_1": "#3", "arg_2": "#9", "resp": 569.1590681870316 }, { "operator": "multiply", "arg_1": "#4", "arg_2": "#10", "resp": 487.235507111437 }, { "operator": "subtract", "arg_1": "#11", "arg_2": "540.00", "resp": 29.159068187031608 } ], "program": [ "divide(0.149, 365)", "add(#0, 1)", "exponent(#1, 60)", "multiply(#2, 540.00)", "multiply(#2, 460.00)", "divide(0.18, 365)", "add(#5, 1)", "subtract(117, 60)", "subtract(127, 60)", "exponent(#6, #7)", "exponent(#6, #8)", "multiply(#3, #9)", "multiply(#4, #10)", "subtract(#11, 540.00)" ], "question_tense": "THIRD", "financial_terms": [ "BALANCE TRANSFER APR", "CONVENIENCE CHECK", "MINIMUM INTEREST CHARGE", "ACCOUNT BALANCE", "GRACE PERIOD", "INTEREST ACCRUAL", "PAYOFF TIME", "MINIMUM FEE RULE", "CHECK CASH ADVANCE", "MINIMUM APR TEST", "FINANCIAL DIFFERENCE", "365-DAY RATE BASIS", "EXPONENTIAL INTEREST CALCULATION", "NAVY FEDERAL CARD TERMS" ], "credit_card": "nfcu_573CC_3-24-461850.md" }, { "question": "If my balance transfer (ignoring the balance transfer fee) has accumulated an interest of 10%, how many months has it been left unpaid? (Round down to nearest integer). Assume that I will pay the lower bound of DPR specified in the credit card agreement?", "ground_truth": "7", "output_units": "month", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "0.04381", "arg_2": "100", "resp": 0.0004381 }, { "operator": "add", "arg_1": "1", "arg_2": "#0", "resp": 1.0004381 }, { "operator": "divide", "arg_1": "10", "arg_2": "100", "resp": 0.1 }, { "operator": "add", "arg_1": "1", "arg_2": "#2", "resp": 1.1 }, { "operator": "ln", "arg_1": "#3", "arg_2": "1", "resp": 0.09531017980432493 }, { "operator": "ln", "arg_1": "#1", "arg_2": "1", "resp": 0.0004380040622142034 }, { "operator": "divide", "arg_1": "#4", "arg_2": "#5", "resp": 217.60113210482973 }, { "operator": "divide", "arg_1": "#6", "arg_2": "30", "resp": 7.253371070160991 }, { "operator": "ceil", "arg_1": "#7", "arg_2": "1", "resp": 8 }, { "operator": "subtract", "arg_1": "#8", "arg_2": "1", "resp": 7 } ], "program": [ "divide(0.04381, 100)", "add(1, #0)", "divide(10, 100)", "add(1, #2)", "ln(#3, 1)", "ln(#1, 1)", "divide(#4, #5)", "divide(#6, 30)", "ceil(#7, 1)", "subtract(#8, 1)" ], "question_tense": "FIRST", "financial_terms": [ "DAILY PERIODIC RATE", "BALANCE TRANSFER APR", "BALANCE TRANSFER FEE", "ACCOUNT BALANCE", "PAYOFF TIME", "ROUND-UP RULE", "LOGARITHMIC PAYOFF CALCULATION" ], "credit_card": "Starbucks Rewards Visa Signature Agreement.pdf-255606.md" }, { "question": "If I am considered a risky borrower, how many days quicker does a purchase of $1500 reach an interest of $5 than if I was not a risky borrower?", "ground_truth": "2", "output_units": "day", "input_units": { "from_doc": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "5", "arg_2": "1500", "resp": 0.0033333333333333335 }, { "operator": "add", "arg_1": "1", "arg_2": "#0", "resp": 1.0033333333333334 }, { "operator": "ln", "arg_1": "#1", "arg_2": "1", "resp": 0.0033277944140985855 }, { "operator": "divide", "arg_1": "19.99", "arg_2": "36500", "resp": 0.0005476712328767124 }, { "operator": "add", "arg_1": "1", "arg_2": "#3", "resp": 1.0005476712328767 }, { "operator": "ln", "arg_1": "#4", "arg_2": "1", "resp": 0.0005475212882846451 }, { "operator": "divide", "arg_1": "#2", "arg_2": "#5", "resp": 6.0779187898649925 }, { "operator": "divide", "arg_1": "29.99", "arg_2": "36500", "resp": 0.0008216438356164383 }, { "operator": "add", "arg_1": "1", "arg_2": "#7", "resp": 1.0008216438356166 }, { "operator": "ln", "arg_1": "#8", "arg_2": "1", "resp": 0.0008213067810312484 }, { "operator": "divide", "arg_1": "#2", "arg_2": "#9", "resp": 4.051825000484218 }, { "operator": "subtract", "arg_1": "#6", "arg_2": "#10", "resp": 2.0260937893807744 }, { "operator": "round", "arg_1": "#11", "arg_2": "0", "resp": 2 } ], "program": [ "divide(5, 1500)", "add(1, #0)", "ln(#1, 1)", "divide(19.99, 36500)", "add(1, #3)", "ln(#4, 1)", "divide(#2, #5)", "divide(29.99, 36500)", "add(1, #7)", "ln(#8, 1)", "divide(#2, #9)", "subtract(#6, #10)", "round(#11, 0)" ], "question_tense": "FIRST", "financial_terms": [ "PENALTY APR", "PURCHASE APR", "CREDIT TIER", "PAYOFF TIME", "RISK-BASED APR", "ROUNDING RULE", "365-DAY RATE BASIS", "LOGARITHMIC PAYOFF CALCULATION", "CHASE CARD TERMS" ], "credit_card": "Starbucks Rewards Visa Signature Agreement.pdf-255606.md" }, { "question": "If the cardholder has a credit card balance of $3000, and the cardholder's APR is the prime rate plus a margin compounded monthly, both mentioned in the statement, how many months will it take to fully pay off the balance if the cardholder makes fixed payments of $250?", "ground_truth": "15", "output_units": "month", "input_units": { "from_doc": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "add", "arg_1": "0.085", "arg_2": "0.2274", "resp": 0.3124 }, { "operator": "divide", "arg_1": "#0", "arg_2": "12", "resp": 0.026033333333333335 }, { "operator": "add", "arg_1": "1", "arg_2": "#1", "resp": 1.0260333333333334 }, { "operator": "log10", "arg_1": "#2", "resp": 0.011161470178891691 }, { "operator": "multiply", "arg_1": "#1", "arg_2": "3000", "resp": 78.10000000000001 }, { "operator": "subtract", "arg_1": "250", "arg_2": "#4", "resp": 171.89999999999998 }, { "operator": "divide", "arg_1": "250", "arg_2": "#5", "resp": 1.4543339150668995 }, { "operator": "log10", "arg_1": "#6", "resp": 0.16266413198498522 }, { "operator": "divide", "arg_1": "#7", "arg_2": "#3", "resp": 14.573719176584083 }, { "operator": "ceil", "arg_1": "#8", "resp": 15 } ], "program": [ "add(0.085, 0.2274)", "divide(#0, 12)", "add(1, #1)", "log10(#2)", "multiply(#1, 3000)", "subtract(250, #4)", "divide(250, #5)", "log10(#6)", "divide(#7, #3)", "ceil(#8)" ], "question_tense": "THIRD", "financial_terms": [ "PRIME RATE", "PURCHASE APR", "ACCOUNT BALANCE", "MONTHLY COMPOUNDING", "PAYOFF TIME", "MONTHLY COMPOUNDING INTEREST", "BALANCE PAYOFF", "ROUND-UP RULE", "LOGARITHMIC PAYOFF CALCULATION" ], "credit_card": "GAPPrivateLabel_combined.md" }, { "question": "Let's say I used my credit card to buy groceries for $100. I plan to only pay minimum payments of $50 montly. How many months is it going to take me to pay it off? Assume that I will pay the lower bound of APR specified in the credit card agreement. Round up the answer?", "ground_truth": "3", "output_units": "month", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "15.99", "arg_2": "1200", "resp": 0.013325 }, { "operator": "multiply", "arg_1": "#0", "arg_2": "100", "resp": 1.3325 }, { "operator": "subtract", "arg_1": "50", "arg_2": "#1", "resp": 48.6675 }, { "operator": "divide", "arg_1": "50", "arg_2": "#2", "resp": 1.0273796681563672 }, { "operator": "ln", "arg_1": "#3", "arg_2": "1", "resp": 0.027011549246849877 }, { "operator": "add", "arg_1": "1", "arg_2": "#0", "resp": 1.013325 }, { "operator": "ln", "arg_1": "#5", "arg_2": "1", "resp": 0.013237003031995466 }, { "operator": "divide", "arg_1": "#4", "arg_2": "#6", "resp": 2.0406091304474008 }, { "operator": "ceil", "arg_1": "#7", "arg_2": "1", "resp": 3 } ], "program": [ "divide(15.99, 1200)", "multiply(#0, 100)", "subtract(50, #1)", "divide(50, #2)", "ln(#3, 1)", "add(1, #0)", "ln(#5, 1)", "divide(#4, #6)", "ceil(#7, 1)" ], "question_tense": "FIRST", "financial_terms": [ "PURCHASE APR", "MINIMUM PAYMENT", "PAYOFF TIME", "MINIMUM PAYMENT FORMULA", "ROUND-UP RULE", "LOGARITHMIC PAYOFF CALCULATION", "GROCERY REWARD CATEGORY" ], "credit_card": "Starbucks Rewards Visa Signature Agreement.pdf-255606.md" }, { "question": "Let’s say the cardholder wants to take $5000 cash advance with a 6% cash advance fee and a 20% annual interest rate. If the cardholder can only pay $600 a month, how many months will it take to pay off the cash advance?", "ground_truth": "10", "output_units": "month", "input_units": { "from_doc": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "5000", "arg_2": "0.06", "resp": 300.0 }, { "operator": "add", "arg_1": "5000", "arg_2": "#0", "resp": 5300.0 }, { "operator": "divide", "arg_1": "0.20", "arg_2": "12", "resp": 0.016666666666666666 }, { "operator": "add", "arg_1": "1", "arg_2": "#2", "resp": 1.0166666666666666 }, { "operator": "log10", "arg_1": "#3", "resp": 0.007178584627123376 }, { "operator": "multiply", "arg_1": "#2", "arg_2": "#1", "resp": 88.33333333333333 }, { "operator": "subtract", "arg_1": "600", "arg_2": "#5", "resp": 511.6666666666667 }, { "operator": "divide", "arg_1": "600", "arg_2": "#6", "resp": 1.1726384364820845 }, { "operator": "log10", "arg_1": "#7", "resp": 0.06916412529010073 }, { "operator": "divide", "arg_1": "#8", "arg_2": "#4", "resp": 9.634785808440958 }, { "operator": "ceil", "arg_1": "#9", "resp": 10 } ], "program": [ "multiply(5000, 0.06)", "add(5000, #0)", "divide(0.20, 12)", "add(1, #2)", "log10(#3)", "multiply(#2, #1)", "subtract(600, #5)", "divide(600, #6)", "log10(#7)", "divide(#8, #4)", "ceil(#9)" ], "question_tense": "THIRD", "financial_terms": [ "CASH ADVANCE APR", "CASH ADVANCE FEE", "PAYOFF TIME", "BALANCE PAYOFF", "ROUND-UP RULE", "LOGARITHMIC PAYOFF CALCULATION", "ANNUALIZED FEE" ], "credit_card": "GAPPrivateLabel_combined.md" }, { "question": "I fail to make my minimum payment toward my balance of $1000. What is maximum possible new minimum payment with all fees and interest added at the end of the 30-day billing cycle? Assume the card issuer bases the new minimum payment on that total updated balance?", "ground_truth": "80.00", "output_units": "$", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "add", "arg_1": "1000", "arg_2": "29", "resp": 1029.0 }, { "operator": "divide", "arg_1": "0.08217", "arg_2": "100", "resp": 0.0008217 }, { "operator": "add", "arg_1": "1", "arg_2": "#1", "resp": 1.0008217 }, { "operator": "exponent", "arg_1": "#2", "arg_2": "30", "resp": 1.0249469730898586 }, { "operator": "multiply", "arg_1": "#0", "arg_2": "#3", "resp": 1054.6704353094644 }, { "operator": "subtract", "arg_1": "#4", "arg_2": "#0", "resp": 25.670435309464438 }, { "operator": "multiply", "arg_1": "0.01", "arg_2": "#4", "resp": 10.546704353094643 }, { "operator": "add", "arg_1": "#5", "arg_2": "#6", "resp": 36.21713966255908 }, { "operator": "max", "arg_1": "40", "arg_2": "#7", "resp": 40 }, { "operator": "add", "arg_1": "1000", "arg_2": "29", "resp": 1029.0 }, { "operator": "exponent", "arg_1": "#2", "arg_2": "30", "resp": 1.0249469730898586 }, { "operator": "multiply", "arg_1": "#9", "arg_2": "#10", "resp": 1054.6704353094644 }, { "operator": "subtract", "arg_1": "#11", "arg_2": "#9", "resp": 25.670435309464438 }, { "operator": "multiply", "arg_1": "0.01", "arg_2": "#11", "resp": 10.546704353094643 }, { "operator": "add", "arg_1": "#12", "arg_2": "#13", "resp": 36.21713966255908 }, { "operator": "max", "arg_1": "40", "arg_2": "#14", "resp": 40 }, { "operator": "add", "arg_1": "#8", "arg_2": "#15", "resp": 80 } ], "program": [ "add(1000, 29)", "divide(0.08217, 100)", "add(1, #1)", "exponent(#2, 30)", "multiply(#0, #3)", "subtract(#4, #0)", "multiply(0.01, #4)", "add(#5, #6)", "max(40, #7)", "add(1000, 29)", "exponent(#2, 30)", "multiply(#9, #10)", "subtract(#11, #9)", "multiply(0.01, #11)", "add(#12, #13)", "max(40, #14)", "add(#8, #15)" ], "question_tense": "FIRST", "financial_terms": [ "DAILY PERIODIC RATE", "LATE PAYMENT FEE", "MINIMUM PAYMENT", "ACCOUNT BALANCE", "BILLING CYCLE", "MINIMUM FEE RULE", "BILLING-CYCLE INTEREST", "MINIMUM PAYMENT FORMULA", "MAXIMUM SELECTION", "EXPONENTIAL INTEREST CALCULATION" ], "credit_card": "Starbucks Rewards Visa Signature Agreement.pdf-255606.md" }, { "question": "An armed forces member takes out $3000 loan. If the borrower makes fixed monthly payments of $250 until the loan is paid off, how many months will it take to fully repay the loan, assuming the APR is 36% compounded monthly?", "ground_truth": "16", "output_units": "month", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "0.36", "arg_2": "12", "resp": 0.03 }, { "operator": "add", "arg_1": "1", "arg_2": "#0", "resp": 1.03 }, { "operator": "log10", "arg_1": "#1", "resp": 0.012837224705172217 }, { "operator": "multiply", "arg_1": "#0", "arg_2": "3000", "resp": 90.0 }, { "operator": "subtract", "arg_1": "250", "arg_2": "#3", "resp": 160.0 }, { "operator": "divide", "arg_1": "250", "arg_2": "#4", "resp": 1.5625 }, { "operator": "log10", "arg_1": "#5", "resp": 0.19382002601611284 }, { "operator": "divide", "arg_1": "#6", "arg_2": "#2", "resp": 15.098281012251913 }, { "operator": "ceil", "arg_1": "#7", "resp": 16 } ], "program": [ "divide(0.36, 12)", "add(1, #0)", "log10(#1)", "multiply(#0, 3000)", "subtract(250, #3)", "divide(250, #4)", "log10(#5)", "divide(#6, #2)", "ceil(#7)" ], "question_tense": "THIRD", "financial_terms": [ "MILITARY LENDING APR", "MONTHLY COMPOUNDING", "PAYOFF TIME", "MONTHLY COMPOUNDING INTEREST", "MONTHLY PAYMENT", "FIXED PAYMENT AMORTIZATION", "LOAN REPAYMENT", "ROUND-UP RULE", "LOGARITHMIC PAYOFF CALCULATION", "FIXED MONTHLY REPAYMENT" ], "credit_card": "GAPPrivateLabel_combined.md" }, { "question": "Let's say the cardholder has $7000 in credit card debt on a 26% APR card, with a 3% balance transfer fee. If the cardholder plans to make $350 monthly payments, how long will it take to pay off the debt if the cardholder transfers the balance?", "ground_truth": "28", "output_units": "month", "input_units": { "from_doc": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "7000", "arg_2": "0.03", "resp": 210.0 }, { "operator": "add", "arg_1": "7000", "arg_2": "#0", "resp": 7210.0 }, { "operator": "divide", "arg_1": "0.26", "arg_2": "12", "resp": 0.021666666666666667 }, { "operator": "add", "arg_1": "1", "arg_2": "#2", "resp": 1.0216666666666667 }, { "operator": "log10", "arg_1": "#3", "resp": 0.00930922413477143 }, { "operator": "multiply", "arg_1": "#2", "arg_2": "#1", "resp": 156.21666666666667 }, { "operator": "subtract", "arg_1": "350", "arg_2": "#5", "resp": 193.78333333333333 }, { "operator": "divide", "arg_1": "350", "arg_2": "#6", "resp": 1.8061408789885611 }, { "operator": "log10", "arg_1": "#7", "resp": 0.256751622268268 }, { "operator": "divide", "arg_1": "#8", "arg_2": "#4", "resp": 27.580345961298743 }, { "operator": "ceil", "arg_1": "#9", "resp": 28 } ], "program": [ "multiply(7000, 0.03)", "add(7000, #0)", "divide(0.26, 12)", "add(1, #2)", "log10(#3)", "multiply(#2, #1)", "subtract(350, #5)", "divide(350, #6)", "log10(#7)", "divide(#8, #4)", "ceil(#9)" ], "question_tense": "THIRD", "financial_terms": [ "BALANCE TRANSFER APR", "BALANCE TRANSFER FEE", "ACCOUNT BALANCE", "PAYOFF TIME", "MONTHLY PAYMENT", "BALANCE PAYOFF", "ROUND-UP RULE", "LOGARITHMIC PAYOFF CALCULATION" ], "credit_card": "GAPPrivateLabel_combined.md" }, { "question": "\"I withdrew $1000 from my credit card. Consider two possible cases: 1) I forget to make a minimum payment on time. 2) I make a minimum payment on time. Assume that all fees and interest are added at the end of each 30-day billing cycle, that I am charged the lower bound of Cash Advance APR specified in the agreement if I make payment on time, and that the new minimum payment each month is calculated solely from the updated balance (with no special payment obligations). What is the difference in total fees and interest added to my balance at the end of the month between Case 1 and Case 2?\"?", "ground_truth": "33.92", "output_units": "$", "input_units": { "from_doc": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "add", "arg_1": "1000", "arg_2": "29", "resp": 1029.0 }, { "operator": "divide", "arg_1": "29.99", "arg_2": "365", "resp": 0.08216438356164384 }, { "operator": "divide", "arg_1": "#1", "arg_2": "100", "resp": 0.0008216438356164384 }, { "operator": "add", "arg_1": "1", "arg_2": "#2", "resp": 1.0008216438356166 }, { "operator": "exponent", "arg_1": "#3", "arg_2": "30", "resp": 1.0249452475436995 }, { "operator": "multiply", "arg_1": "#0", "arg_2": "#4", "resp": 1054.6686597224668 }, { "operator": "subtract", "arg_1": "#5", "arg_2": "#0", "resp": 25.668659722466828 }, { "operator": "add", "arg_1": "29", "arg_2": "#6", "resp": 54.66865972246683 }, { "operator": "divide", "arg_1": "24.99", "arg_2": "365", "resp": 0.06846575342465754 }, { "operator": "divide", "arg_1": "#8", "arg_2": "100", "resp": 0.0006846575342465753 }, { "operator": "add", "arg_1": "1", "arg_2": "#9", "resp": 1.0006846575342465 }, { "operator": "exponent", "arg_1": "#10", "arg_2": "30", "resp": 1.0207449439095877 }, { "operator": "multiply", "arg_1": "1000", "arg_2": "#11", "resp": 1020.7449439095878 }, { "operator": "subtract", "arg_1": "#12", "arg_2": "1000", "resp": 20.74494390958776 }, { "operator": "subtract", "arg_1": "#7", "arg_2": "#13", "resp": 33.92371581287907 } ], "program": [ "add(1000, 29)", "divide(29.99, 365)", "divide(#1, 100)", "add(1, #2)", "exponent(#3, 30)", "multiply(#0, #4)", "subtract(#5, #0)", "add(29, #6)", "divide(24.99, 365)", "divide(#8, 100)", "add(1, #9)", "exponent(#10, 30)", "multiply(1000, #11)", "subtract(#12, 1000)", "subtract(#7, #13)" ], "question_tense": "FIRST", "financial_terms": [ "PENALTY APR", "CASH ADVANCE APR", "CASH ADVANCE FEE", "LATE PAYMENT FEE", "MINIMUM PAYMENT", "ACCOUNT BALANCE", "BILLING CYCLE", "MINIMUM FEE RULE", "BILLING-CYCLE INTEREST", "MINIMUM PAYMENT FORMULA", "FINANCIAL DIFFERENCE", "TOTAL FEE CALCULATION", "365-DAY RATE BASIS", "EXPONENTIAL INTEREST CALCULATION" ], "credit_card": "Starbucks Rewards Visa Signature Agreement.pdf-255606.md" }, { "question": "The cardholder makes $3000 purchase that qualifies for an easy pay offer, with a 20% APR, compounded monthly. If the cardholder can pay $160 per month, how many months will it take to pay off the balance?", "ground_truth": "23", "output_units": "month", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "0.2", "arg_2": "12", "resp": 0.016666666666666666 }, { "operator": "add", "arg_1": "1", "arg_2": "#0", "resp": 1.0166666666666666 }, { "operator": "log10", "arg_1": "#1", "resp": 0.007178584627123376 }, { "operator": "multiply", "arg_1": "#0", "arg_2": "3000", "resp": 50.0 }, { "operator": "subtract", "arg_1": "160", "arg_2": "#3", "resp": 110.0 }, { "operator": "divide", "arg_1": "160", "arg_2": "#4", "resp": 1.4545454545454546 }, { "operator": "log10", "arg_1": "#5", "resp": 0.16272729749769976 }, { "operator": "divide", "arg_1": "#6", "arg_2": "#2", "resp": 22.668437575125214 }, { "operator": "ceil", "arg_1": "#7", "resp": 23 } ], "program": [ "divide(0.2, 12)", "add(1, #0)", "log10(#1)", "multiply(#0, 3000)", "subtract(160, #3)", "divide(160, #4)", "log10(#5)", "divide(#6, #2)", "ceil(#7)" ], "question_tense": "THIRD", "financial_terms": [ "PROMOTIONAL APR", "PURCHASE APR", "PAYMENT PLAN", "MONTHLY COMPOUNDING", "PAYOFF TIME", "EASY PAY APR", "MONTHLY COMPOUNDING INTEREST", "MONTHLY PAYMENT", "BALANCE PAYOFF", "ROUND-UP RULE", "LOGARITHMIC PAYOFF CALCULATION", "CHASE CARD TERMS", "ZERO PERCENT PROMOTIONAL APR" ], "credit_card": "GAPPrivateLabel_combined.md" }, { "question": "A customer has $5,000 credit limit and a current balance of $3,500. A $1,000 cash advance is taken, with $50 fee (5%) added to the balance. If $250 is paid monthly, how many months will it take to fully repay the balance and restore the full credit limit?", "ground_truth": "24.58298040499683", "output_units": "month", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "1000", "arg_2": "0.05", "resp": 50.0 }, { "operator": "add", "arg_1": "3500", "arg_2": "1000", "resp": 4500 }, { "operator": "add", "arg_1": "#1", "arg_2": "#0", "resp": 4550.0 }, { "operator": "divide", "arg_1": "29.99", "arg_2": "100", "resp": 0.2999 }, { "operator": "divide", "arg_1": "#3", "arg_2": "12", "resp": 0.024991666666666666 }, { "operator": "multiply", "arg_1": "#4", "arg_2": "#2", "resp": 113.71208333333333 }, { "operator": "subtract", "arg_1": "250", "arg_2": "#5", "resp": 136.28791666666666 }, { "operator": "divide", "arg_1": "250", "arg_2": "#6", "resp": 1.8343519081845725 }, { "operator": "ln", "arg_1": "#7", "arg_2": "1", "resp": 0.6066912355718925 }, { "operator": "add", "arg_1": "1", "arg_2": "#4", "resp": 1.0249916666666667 }, { "operator": "ln", "arg_1": "#9", "arg_2": "1", "resp": 0.024684482476021473 }, { "operator": "divide", "arg_1": "#8", "arg_2": "#10", "resp": 24.577838978849684 } ], "program": [ "multiply(1000, 0.05)", "add(3500, 1000)", "add(#1, #0)", "divide(29.99, 100)", "divide(#3, 12)", "multiply(#4, #2)", "subtract(250, #5)", "divide(250, #6)", "ln(#7, 1)", "add(1, #4)", "ln(#9, 1)", "divide(#8, #10)" ], "question_tense": "THIRD", "financial_terms": [ "CASH ADVANCE FEE", "CREDIT LIMIT", "PAYOFF TIME", "CURRENT BALANCE", "LOGARITHMIC PAYOFF CALCULATION", "FIXED DOLLAR FEE" ], "credit_card": "US_Bank_Elan_Financial.md" }, { "question": "If I take out a cash advance of $500 using this card and pay off the intial cash advance fee immediatly, how much am I saving per day compared to if I let the fee accumulate interest for 31 days? Assume that I will pay the upper bound of APR specified in the credit card agreement. (answer in cents)?", "ground_truth": "0.02", "output_units": "$", "input_units": { "from_doc": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 1, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 1, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "add", "arg_1": "500", "arg_2": "0", "resp": 500.0 }, { "operator": "add", "arg_1": "29.99", "arg_2": "0", "resp": 29.99 }, { "operator": "add", "arg_1": "5", "arg_2": "0", "resp": 5.0 }, { "operator": "divide", "arg_1": "#2", "arg_2": "100", "resp": 0.05 }, { "operator": "multiply", "arg_1": "#0", "arg_2": "#3", "resp": 25.0 }, { "operator": "add", "arg_1": "5", "arg_2": "0", "resp": 5.0 }, { "operator": "max", "arg_1": "#4", "arg_2": "#5", "resp": 25.0 }, { "operator": "divide", "arg_1": "#1", "arg_2": "365", "resp": 0.08216438356164384 }, { "operator": "divide", "arg_1": "#7", "arg_2": "100", "resp": 0.0008216438356164384 }, { "operator": "add", "arg_1": "1", "arg_2": "#8", "resp": 1.0008216438356163 }, { "operator": "add", "arg_1": "31", "arg_2": "0", "resp": 31.0 }, { "operator": "exponent", "arg_1": "#9", "arg_2": "#10", "resp": 1.025787286688135 }, { "operator": "subtract", "arg_1": "#11", "arg_2": "1", "resp": 0.025787286688135062 }, { "operator": "multiply", "arg_1": "#6", "arg_2": "#12", "resp": 0.6446821672033765 }, { "operator": "divide", "arg_1": "#13", "arg_2": "#10", "resp": 0.02079628023240716 } ], "program": [ "add(500, 0)", "add(29.99, 0)", "add(5, 0)", "divide(#2, 100)", "multiply(#0, #3)", "add(5, 0)", "max(#4, #5)", "divide(#1, 365)", "divide(#7, 100)", "add(1, #8)", "add(31, 0)", "exponent(#9, #10)", "subtract(#11, 1)", "multiply(#6, #12)", "divide(#13, #10)" ], "question_tense": "FIRST", "financial_terms": [ "CASH ADVANCE APR", "CASH ADVANCE FEE", "PAYOFF TIME", "ONE-DAY INTEREST", "BALANCE PAYOFF", "365-DAY RATE BASIS", "MAXIMUM SELECTION", "EXPONENTIAL INTEREST CALCULATION" ], "credit_card": "Starbucks Rewards Visa Signature Agreement.pdf-255606.md" }, { "question": "Gigi withdraws $5,000 using a cash advance at an ATM, where she is charged the maximum APR. She plans to repay $2,500 after 3 months but does not make another payment. She wants to know how long it will take (in months) for the remaining balance to double, assuming daily compounding interest and no additional fees?", "ground_truth": "42.2", "output_units": "month", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 1, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 1, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "subtract", "arg_1": "5000", "arg_2": "2500", "resp": 2500 }, { "operator": "add", "arg_1": "0.18", "arg_2": "0.02", "resp": 0.2 }, { "operator": "divide", "arg_1": "#1", "arg_2": "365", "resp": 0.0005479452055 }, { "operator": "add", "arg_1": "#2", "arg_2": "1", "resp": 1.0005479452055 }, { "operator": "multiply", "arg_1": "#0", "arg_2": "2", "resp": 5000 }, { "operator": "divide", "arg_1": "#4", "arg_2": "#0", "resp": 2 }, { "operator": "ln", "arg_1": "#5", "arg_2": "1", "resp": 0.6931471806 }, { "operator": "ln", "arg_1": "#3", "arg_2": "1", "resp": 0.000547795 }, { "operator": "divide", "arg_1": "#6", "arg_2": "#7", "resp": 1265 }, { "operator": "divide", "arg_1": "#8", "arg_2": "30", "resp": "42.2" } ], "program": [ "subtract(5000, 2500)", "add(0.18, 0.02)", "divide(#1, 365)", "add(#2, 1)", "multiply(#0, 2)", "divide(#4, #0)", "ln(#5, 1)", "ln(#3, 1)", "divide(#6, #7)", "divide(#8, 30)" ], "question_tense": "THIRD", "financial_terms": [ "CASH ADVANCE APR", "CASH ADVANCE FEE", "ACCOUNT BALANCE", "DAILY COMPOUNDING", "PAYOFF TIME", "ATM CASH ADVANCE", "MAXIMUM APR TEST", "DAILY COMPOUNDING INTEREST", "REMAINING BALANCE", "365-DAY RATE BASIS", "LOGARITHMIC PAYOFF CALCULATION", "BALANCE DOUBLING TIME" ], "credit_card": "nfcu_573CC_3-24-461850.md" }, { "question": "A $4,500 purchase is charged to a credit card, with a 19.24% APR (DPR = 0.00052712). If $200 is paid monthly and no additional purchases are made, how many months will it take to fully repay the balance including interest?", "ground_truth": "28", "output_units": "month", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "19.24", "arg_2": "100", "resp": 0.1924 }, { "operator": "divide", "arg_1": "#0", "arg_2": "12", "resp": 0.016033333333333333 }, { "operator": "multiply", "arg_1": "#1", "arg_2": "4500", "resp": 72.15 }, { "operator": "subtract", "arg_1": "200", "arg_2": "#2", "resp": 127.85 }, { "operator": "divide", "arg_1": "200", "arg_2": "#3", "resp": 1.5643332029722332 }, { "operator": "ln", "arg_1": "#4", "arg_2": "1", "resp": 0.44745966481084115 }, { "operator": "add", "arg_1": "1", "arg_2": "#1", "resp": 1.0160333333333333 }, { "operator": "ln", "arg_1": "#6", "arg_2": "1", "resp": 0.01590615701705654 }, { "operator": "divide", "arg_1": "#5", "arg_2": "#7", "resp": 28.131223923605166 }, { "operator": "round", "arg_1": "#8", "arg_2": "0", "resp": 28 } ], "program": [ "divide(19.24, 100)", "divide(#0, 12)", "multiply(#1, 4500)", "subtract(200, #2)", "divide(200, #3)", "ln(#4, 1)", "add(1, #1)", "ln(#6, 1)", "divide(#5, #7)", "round(#8, 0)" ], "question_tense": "THIRD", "financial_terms": [ "DAILY PERIODIC RATE", "APR TO DPR CONVERSION", "PURCHASE APR", "ACCOUNT BALANCE", "PAYOFF TIME", "ROUNDING RULE", "LOGARITHMIC PAYOFF CALCULATION", "CHASE CARD TERMS" ], "credit_card": "US_Bank_Elan_Financial.md" }, { "question": "The cardholder has a credit card balance of $5000 and the APR is the prime rate mentioned in the credit card statement + 14%. the cardholder decides to make fixed monthly payments of $250 to pay off the balance. How many months will it take to fully pay off the balance?", "ground_truth": "26", "output_units": "month", "input_units": { "from_doc": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "add", "arg_1": "0.085", "arg_2": "0.14", "resp": 0.22500000000000003 }, { "operator": "divide", "arg_1": "#0", "arg_2": "12", "resp": 0.018750000000000003 }, { "operator": "add", "arg_1": "1", "arg_2": "#1", "resp": 1.01875 }, { "operator": "log10", "arg_1": "#2", "resp": 0.008067621748033046 }, { "operator": "multiply", "arg_1": "#1", "arg_2": "5000", "resp": 93.75000000000001 }, { "operator": "subtract", "arg_1": "250", "arg_2": "#4", "resp": 156.25 }, { "operator": "divide", "arg_1": "250", "arg_2": "#5", "resp": 1.6 }, { "operator": "log10", "arg_1": "#6", "resp": 0.2041199826559248 }, { "operator": "divide", "arg_1": "#7", "arg_2": "#3", "resp": 25.301134464526793 }, { "operator": "ceil", "arg_1": "#8", "resp": 26 } ], "program": [ "add(0.085, 0.14)", "divide(#0, 12)", "add(1, #1)", "log10(#2)", "multiply(#1, 5000)", "subtract(250, #4)", "divide(250, #5)", "log10(#6)", "divide(#7, #3)", "ceil(#8)" ], "question_tense": "THIRD", "financial_terms": [ "PRIME RATE", "ACCOUNT BALANCE", "PAYOFF TIME", "MONTHLY PAYMENT", "BALANCE PAYOFF", "FIXED PAYMENT AMORTIZATION", "ROUND-UP RULE", "LOGARITHMIC PAYOFF CALCULATION", "FIXED MONTHLY REPAYMENT" ], "credit_card": "GAPPrivateLabel_combined.md" }, { "question": "A credit card has an APR of the prime rate + 9%, and the prime rate is the same as the one mentioned in the credit card statement. Let’s say the cardholder takes a cash advance of $2000, and can only pay $250 a month. How many months will it take to fully pay off everything?", "ground_truth": "9", "output_units": "month", "input_units": { "from_doc": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "add", "arg_1": "0.09", "arg_2": "0.085", "resp": 0.175 }, { "operator": "divide", "arg_1": "#0", "arg_2": "12", "resp": 0.014583333333333332 }, { "operator": "add", "arg_1": "1", "arg_2": "#1", "resp": 1.0145833333333334 }, { "operator": "log10", "arg_1": "#2", "resp": 0.006287723839047139 }, { "operator": "multiply", "arg_1": "#1", "arg_2": "2000", "resp": 29.166666666666664 }, { "operator": "subtract", "arg_1": "250", "arg_2": "#4", "resp": 220.83333333333334 }, { "operator": "divide", "arg_1": "250", "arg_2": "#5", "resp": 1.1320754716981132 }, { "operator": "log10", "arg_1": "#6", "resp": 0.05387538078285457 }, { "operator": "divide", "arg_1": "#7", "arg_2": "#3", "resp": 8.568343992508902 }, { "operator": "ceil", "arg_1": "#8", "resp": 9 } ], "program": [ "add(0.09, 0.085)", "divide(#0, 12)", "add(1, #1)", "log10(#2)", "multiply(#1, 2000)", "subtract(250, #4)", "divide(250, #5)", "log10(#6)", "divide(#7, #3)", "ceil(#8)" ], "question_tense": "THIRD", "financial_terms": [ "PRIME RATE", "CASH ADVANCE APR", "PAYOFF TIME", "BALANCE PAYOFF", "ROUND-UP RULE", "LOGARITHMIC PAYOFF CALCULATION" ], "credit_card": "GAPPrivateLabel_combined.md" }, { "question": "The cardholder has a balance of $2000 on a card with a 36% APR, compounded monthly, and $50 annual fee. How many months will it take to pay off this balance, including the annual fee, if the cardholder makes a monthly payment of $400?", "ground_truth": "6", "output_units": "month", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "0.36", "arg_2": "12", "resp": 0.03 }, { "operator": "add", "arg_1": "1", "arg_2": "#0", "resp": 1.03 }, { "operator": "log10", "arg_1": "#1", "resp": 0.012837224705172217 }, { "operator": "add", "arg_1": "2000", "arg_2": "50", "resp": 2050.0 }, { "operator": "multiply", "arg_1": "#0", "arg_2": "#3", "resp": 61.5 }, { "operator": "subtract", "arg_1": "400", "arg_2": "#4", "resp": 338.5 }, { "operator": "divide", "arg_1": "400", "arg_2": "#5", "resp": 1.1816838995568686 }, { "operator": "log10", "arg_1": "#6", "resp": 0.07250131830679929 }, { "operator": "divide", "arg_1": "#7", "arg_2": "#2", "resp": 5.647740845230196 }, { "operator": "ceil", "arg_1": "#8", "resp": 6 } ], "program": [ "divide(0.36, 12)", "add(1, #0)", "log10(#1)", "add(2000, 50)", "multiply(#0, #3)", "subtract(400, #4)", "divide(400, #5)", "log10(#6)", "divide(#7, #2)", "ceil(#8)" ], "question_tense": "THIRD", "financial_terms": [ "ANNUAL FEE", "ACCOUNT BALANCE", "MONTHLY COMPOUNDING", "PAYOFF TIME", "MONTHLY COMPOUNDING INTEREST", "BALANCE PAYOFF", "ROUND-UP RULE", "LOGARITHMIC PAYOFF CALCULATION", "ANNUALIZED FEE" ], "credit_card": "GAPPrivateLabel_combined.md" }, { "question": "This card has an APR of the prime rate plus a margin, compounded monthly, both mentioned in the credit card statement. If the cardholder makes $1200 purchase and pay $150 each month, how many months will it take to pay this off?", "ground_truth": "10", "output_units": "month", "input_units": { "from_doc": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "add", "arg_1": "0.085", "arg_2": "0.2247", "resp": 0.30970000000000003 }, { "operator": "divide", "arg_1": "#0", "arg_2": "12", "resp": 0.025808333333333336 }, { "operator": "add", "arg_1": "1", "arg_2": "#1", "resp": 1.0258083333333334 }, { "operator": "log10", "arg_1": "#2", "resp": 0.011066222811214813 }, { "operator": "multiply", "arg_1": "#1", "arg_2": "1200", "resp": 30.970000000000002 }, { "operator": "subtract", "arg_1": "150", "arg_2": "#4", "resp": 119.03 }, { "operator": "divide", "arg_1": "150", "arg_2": "#5", "resp": 1.2601865076031253 }, { "operator": "log10", "arg_1": "#6", "resp": 0.10043482545774712 }, { "operator": "divide", "arg_1": "#7", "arg_2": "#3", "resp": 9.075800042265888 }, { "operator": "ceil", "arg_1": "#8", "resp": 10 } ], "program": [ "add(0.085, 0.2247)", "divide(#0, 12)", "add(1, #1)", "log10(#2)", "multiply(#1, 1200)", "subtract(150, #4)", "divide(150, #5)", "log10(#6)", "divide(#7, #3)", "ceil(#8)" ], "question_tense": "THIRD", "financial_terms": [ "PRIME RATE", "PURCHASE APR", "MONTHLY COMPOUNDING", "PAYOFF TIME", "MONTHLY COMPOUNDING INTEREST", "ROUND-UP RULE", "LOGARITHMIC PAYOFF CALCULATION", "CHASE CARD TERMS" ], "credit_card": "GAPPrivateLabel_combined.md" }, { "question": "I made a purchase for $300 with my credit card. Assuming I am charged the maximum Purchase APR due to my bad credit history, and that all fees and interest are added at the end of each 30-day billing cycle, how much do I need to pay every month to pay it off in 3 months? (Assume that the new minimum payment each month is calculated solely from the updated balance with no special payment obligations.)?", "ground_truth": "103.33", "output_units": "$", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 1, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 1, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "19.99", "arg_2": "365", "resp": 0.05476712328767123 }, { "operator": "divide", "arg_1": "#0", "arg_2": "100", "resp": 0.0005476712328767123 }, { "operator": "add", "arg_1": "1", "arg_2": "#1", "resp": 1.0005476712328767 }, { "operator": "exponent", "arg_1": "#2", "arg_2": "30", "resp": 1.016561281941421 }, { "operator": "subtract", "arg_1": "#3", "arg_2": "1", "resp": 0.016561281941420924 }, { "operator": "add", "arg_1": "1", "arg_2": "#4", "resp": 1.016561281941421 }, { "operator": "exponent", "arg_1": "#5", "arg_2": "3", "resp": 1.0505112163660444 }, { "operator": "subtract", "arg_1": "#6", "arg_2": "1", "resp": 0.05051121636604438 }, { "operator": "multiply", "arg_1": "#4", "arg_2": "#6", "resp": 0.017397424552274703 }, { "operator": "divide", "arg_1": "#8", "arg_2": "#7", "resp": 0.3444346362753321 }, { "operator": "multiply", "arg_1": "300", "arg_2": "#9", "resp": 103.33039088259963 } ], "program": [ "divide(19.99, 365)", "divide(#0, 100)", "add(1, #1)", "exponent(#2, 30)", "subtract(#3, 1)", "add(1, #4)", "exponent(#5, 3)", "subtract(#6, 1)", "multiply(#4, #6)", "divide(#8, #7)", "multiply(300, #9)" ], "question_tense": "FIRST", "financial_terms": [ "PURCHASE APR", "MINIMUM PAYMENT", "ACCOUNT BALANCE", "BILLING CYCLE", "MINIMUM FEE RULE", "BILLING-CYCLE INTEREST", "MINIMUM PAYMENT FORMULA", "365-DAY RATE BASIS", "EXPONENTIAL INTEREST CALCULATION", "CHASE CARD TERMS" ], "credit_card": "Starbucks Rewards Visa Signature Agreement.pdf-255606.md" }, { "question": "A balance of $7,500 has been carried for three months, with only minimum payments made each cycle. The credit card requires the greater of $40 or 1% of the balance, rounded up to the nearest dollar. Assuming no new charges, what is the total paid over the three months?", "ground_truth": "224.00", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "7500", "arg_2": "0.01", "resp": 75.0 }, { "operator": "max", "arg_1": "#0", "arg_2": "40.00", "resp": 75.0 }, { "operator": "ceil", "arg_1": "#1", "arg_2": "1", "resp": 75 }, { "operator": "subtract", "arg_1": "7500", "arg_2": "#2", "resp": 7425 }, { "operator": "multiply", "arg_1": "#3", "arg_2": "0.01", "resp": 74.25 }, { "operator": "max", "arg_1": "#4", "arg_2": "40.00", "resp": 74.25 }, { "operator": "ceil", "arg_1": "#5", "arg_2": "1", "resp": 75 }, { "operator": "subtract", "arg_1": "#3", "arg_2": "#6", "resp": 7350 }, { "operator": "multiply", "arg_1": "#7", "arg_2": "0.01", "resp": 73.5 }, { "operator": "max", "arg_1": "#8", "arg_2": "40.00", "resp": 73.5 }, { "operator": "ceil", "arg_1": "#9", "arg_2": "1", "resp": 74 }, { "operator": "add", "arg_1": "#2", "arg_2": "#6", "resp": 150 }, { "operator": "add", "arg_1": "#11", "arg_2": "#10", "resp": 224 } ], "program": [ "multiply(7500, 0.01)", "max(#0, 40.00)", "ceil(#1, 1)", "subtract(7500, #2)", "multiply(#3, 0.01)", "max(#4, 40.00)", "ceil(#5, 1)", "subtract(#3, #6)", "multiply(#7, 0.01)", "max(#8, 40.00)", "ceil(#9, 1)", "add(#2, #6)", "add(#11, #10)" ], "question_tense": "THIRD", "financial_terms": [ "MINIMUM PAYMENT", "ACCOUNT BALANCE", "MINIMUM MAXIMUM FEE RULE", "GREATER-OF FEE RULE", "MINIMUM PAYMENT FORMULA", "ROUND-UP RULE", "MAXIMUM SELECTION", "PERCENTAGE-BASED FEE" ], "credit_card": "US_Bank_Elan_Financial.md" }, { "question": "Let's say the cardholder takes out $1500 cash advance on the cardholder's credit card, which has an APR for cash advances of 24.5%, compounded monthly. the cardholder plans to make fixed monthly payments of $200 to repay the balance. How many months will it take to fully pay off the cash advance?", "ground_truth": "9", "output_units": "month", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "0.245", "arg_2": "12", "resp": 0.020416666666666666 }, { "operator": "add", "arg_1": "1", "arg_2": "#0", "resp": 1.0204166666666667 }, { "operator": "log10", "arg_1": "#1", "resp": 0.00877754341310812 }, { "operator": "multiply", "arg_1": "#0", "arg_2": "1500", "resp": 30.625 }, { "operator": "subtract", "arg_1": "200", "arg_2": "#3", "resp": 169.375 }, { "operator": "divide", "arg_1": "200", "arg_2": "#4", "resp": 1.1808118081180812 }, { "operator": "log10", "arg_1": "#5", "resp": 0.07218068744550024 }, { "operator": "divide", "arg_1": "#6", "arg_2": "#2", "resp": 8.223335852455913 }, { "operator": "ceil", "arg_1": "#7", "resp": 9 } ], "program": [ "divide(0.245, 12)", "add(1, #0)", "log10(#1)", "multiply(#0, 1500)", "subtract(200, #3)", "divide(200, #4)", "log10(#5)", "divide(#6, #2)", "ceil(#7)" ], "question_tense": "THIRD", "financial_terms": [ "CASH ADVANCE APR", "ACCOUNT BALANCE", "MONTHLY COMPOUNDING", "PAYOFF TIME", "MONTHLY COMPOUNDING INTEREST", "MONTHLY PAYMENT", "BALANCE PAYOFF", "FIXED PAYMENT AMORTIZATION", "ROUND-UP RULE", "LOGARITHMIC PAYOFF CALCULATION", "FIXED MONTHLY REPAYMENT" ], "credit_card": "GAPPrivateLabel_combined.md" }, { "question": "Kevin starts with a Visa cashRewards Card and $4,600 credit limit. He expects a 9% credit increase every 5 months. If he wants to reach the Visa Signature threshold, how many months will it take?", "ground_truth": "5", "output_units": "month", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "add", "arg_1": "0.09", "arg_2": "1", "resp": 1.09 }, { "operator": "ln", "arg_1": "5000", "arg_2": "1", "resp": 8.517193191416238 }, { "operator": "ln", "arg_1": "4600", "arg_2": "1", "resp": 8.433811582477457 }, { "operator": "ln", "arg_1": "#0", "arg_2": "1", "resp": 0.08617769624105241 }, { "operator": "subtract", "arg_1": "#1", "arg_2": "#2", "resp": 0.08338160893878105 }, { "operator": "divide", "arg_1": "#4", "arg_2": "#3", "resp": 0.9675611146194304 }, { "operator": "ceil", "arg_1": "#5", "arg_2": "1", "resp": 1 }, { "operator": "multiply", "arg_1": "#6", "arg_2": "5", "resp": 5 } ], "program": [ "add(0.09, 1)", "ln(5000, 1)", "ln(4600, 1)", "ln(#0, 1)", "subtract(#1, #2)", "divide(#4, #3)", "ceil(#5, 1)", "multiply(#6, 5)" ], "question_tense": "THIRD", "financial_terms": [ "CREDIT LIMIT", "REWARDS", "PAYOFF TIME", "ROUND-UP RULE", "LOGARITHMIC PAYOFF CALCULATION" ], "credit_card": "nfcu_573CC_3-24-461850.md" }, { "question": "Suppose I transfer $1000 in debt to my card. If I pay $200 a month to settle the debt, how long till I pay off the debt? Assume that I will pay the upper bound of APR specified in the credit card agreement. (Round up to whole number of months)?", "ground_truth": "6", "output_units": "month", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "19.99", "arg_2": "100", "resp": 0.1999 }, { "operator": "divide", "arg_1": "#0", "arg_2": "12", "resp": 0.016658333333333334 }, { "operator": "multiply", "arg_1": "#1", "arg_2": "1000", "resp": 16.658333333333335 }, { "operator": "subtract", "arg_1": "200", "arg_2": "#2", "resp": 183.34166666666667 }, { "operator": "divide", "arg_1": "200", "arg_2": "#3", "resp": 1.0908595063860733 }, { "operator": "ln", "arg_1": "#4", "arg_2": "1", "resp": 0.08696592347720174 }, { "operator": "add", "arg_1": "1", "arg_2": "#1", "resp": 1.0166583333333334 }, { "operator": "ln", "arg_1": "#6", "arg_2": "1", "resp": 0.016521105196305893 }, { "operator": "divide", "arg_1": "#5", "arg_2": "#7", "resp": 5.263928922663555 }, { "operator": "ceil", "arg_1": "#8", "arg_2": "1", "resp": 6 } ], "program": [ "divide(19.99, 100)", "divide(#0, 12)", "multiply(#1, 1000)", "subtract(200, #2)", "divide(200, #3)", "ln(#4, 1)", "add(1, #1)", "ln(#6, 1)", "divide(#5, #7)", "ceil(#8, 1)" ], "question_tense": "FIRST", "financial_terms": [ "BALANCE TRANSFER APR", "PAYOFF TIME", "BALANCE PAYOFF", "ROUND-UP RULE", "LOGARITHMIC PAYOFF CALCULATION" ], "credit_card": "Starbucks Rewards Visa Signature Agreement.pdf-255606.md" }, { "question": "The cardholder has a credit card balance of $500, and the cardholder's APR is 24% compounded monthly. the cardholder can afford to make fixed monthly payments of $50. How many months will it take to fully pay off the cardholder's balance?", "ground_truth": "12", "output_units": "month", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "0.24", "arg_2": "12", "resp": 0.02 }, { "operator": "add", "arg_1": "1", "arg_2": "#0", "resp": 1.02 }, { "operator": "log10", "arg_1": "#1", "resp": 0.00860017176191757 }, { "operator": "multiply", "arg_1": "#0", "arg_2": "500", "resp": 10.0 }, { "operator": "subtract", "arg_1": "50", "arg_2": "#3", "resp": 40.0 }, { "operator": "divide", "arg_1": "50", "arg_2": "#4", "resp": 1.25 }, { "operator": "log10", "arg_1": "#5", "resp": 0.09691001300805642 }, { "operator": "divide", "arg_1": "#6", "arg_2": "#2", "resp": 11.268381108059232 }, { "operator": "ceil", "arg_1": "#7", "resp": 12 } ], "program": [ "divide(0.24, 12)", "add(1, #0)", "log10(#1)", "multiply(#0, 500)", "subtract(50, #3)", "divide(50, #4)", "log10(#5)", "divide(#6, #2)", "ceil(#7)" ], "question_tense": "THIRD", "financial_terms": [ "MINIMUM INTEREST CHARGE", "ACCOUNT BALANCE", "MONTHLY COMPOUNDING", "PAYOFF TIME", "MONTHLY COMPOUNDING INTEREST", "MONTHLY PAYMENT", "BALANCE PAYOFF", "FIXED PAYMENT AMORTIZATION", "ROUND-UP RULE", "LOGARITHMIC PAYOFF CALCULATION", "FIXED MONTHLY REPAYMENT" ], "credit_card": "GAPPrivateLabel_combined.md" }, { "question": "The cardholder has a credit card principal balance of $1200. Let's say the cardholder has an APR of 22%, compounded monthly, and the cardholder plans to make a minimum payment of $200 each month. How many months will it take the cardholder to pay off the balance?", "ground_truth": "7", "output_units": "month", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "0.22", "arg_2": "12", "resp": 0.018333333333333333 }, { "operator": "add", "arg_1": "1", "arg_2": "#0", "resp": 1.0183333333333333 }, { "operator": "log10", "arg_1": "#1", "resp": 0.007889959858910592 }, { "operator": "multiply", "arg_1": "#0", "arg_2": "1200", "resp": 22.0 }, { "operator": "subtract", "arg_1": "200", "arg_2": "#3", "resp": 178.0 }, { "operator": "divide", "arg_1": "200", "arg_2": "#4", "resp": 1.1235955056179776 }, { "operator": "log10", "arg_1": "#5", "resp": 0.05060999335508724 }, { "operator": "divide", "arg_1": "#6", "arg_2": "#2", "resp": 6.414480461257408 }, { "operator": "ceil", "arg_1": "#7", "resp": 7 } ], "program": [ "divide(0.22, 12)", "add(1, #0)", "log10(#1)", "multiply(#0, 1200)", "subtract(200, #3)", "divide(200, #4)", "log10(#5)", "divide(#6, #2)", "ceil(#7)" ], "question_tense": "THIRD", "financial_terms": [ "MINIMUM PAYMENT", "ACCOUNT BALANCE", "MONTHLY COMPOUNDING", "PAYOFF TIME", "MONTHLY COMPOUNDING INTEREST", "MINIMUM PAYMENT FORMULA", "BALANCE PAYOFF", "PRINCIPAL REDUCTION", "ROUND-UP RULE", "LOGARITHMIC PAYOFF CALCULATION" ], "credit_card": "GAPPrivateLabel_combined.md" }, { "question": "I made a purchase of $2000 and failed to make my minimum payment twice. How many percent is my maximum possible new minimum payment bigger than the first minimum payment? Assume that all fees and interest are added at the end of each 30-day billing cycle and that the new minimum payment is based solely on the updated balance with no special payment obligations?", "ground_truth": "103.92397281416035", "output_units": "%", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "add", "arg_1": "2000", "arg_2": "0", "resp": 2000.0 }, { "operator": "add", "arg_1": "29", "arg_2": "0", "resp": 29.0 }, { "operator": "add", "arg_1": "#0", "arg_2": "#1", "resp": 2029.0 }, { "operator": "add", "arg_1": "0.08217", "arg_2": "0", "resp": 0.08217 }, { "operator": "divide", "arg_1": "#3", "arg_2": "100", "resp": 0.0008217000000000001 }, { "operator": "add", "arg_1": "1", "arg_2": "#4", "resp": 1.0008217 }, { "operator": "exponent", "arg_1": "#5", "arg_2": "30", "resp": 1.0249469730898586 }, { "operator": "multiply", "arg_1": "#2", "arg_2": "#6", "resp": 2079.6174083993233 }, { "operator": "subtract", "arg_1": "#7", "arg_2": "#2", "resp": 50.61740839932327 }, { "operator": "add", "arg_1": "0.01", "arg_2": "0", "resp": 0.01 }, { "operator": "multiply", "arg_1": "#9", "arg_2": "#7", "resp": 20.796174083993233 }, { "operator": "add", "arg_1": "#8", "arg_2": "#10", "resp": 71.4135824833165 }, { "operator": "add", "arg_1": "40", "arg_2": "0", "resp": 40.0 }, { "operator": "max", "arg_1": "#12", "arg_2": "#11", "resp": 71.4135824833165 }, { "operator": "add", "arg_1": "#7", "arg_2": "#1", "resp": 2108.6174083993233 }, { "operator": "multiply", "arg_1": "#14", "arg_2": "#6", "resp": 2161.2210301434684 }, { "operator": "subtract", "arg_1": "#15", "arg_2": "#14", "resp": 52.60362174414513 }, { "operator": "multiply", "arg_1": "#9", "arg_2": "#15", "resp": 21.612210301434683 }, { "operator": "add", "arg_1": "#16", "arg_2": "#17", "resp": 74.21583204557982 }, { "operator": "max", "arg_1": "#12", "arg_2": "#18", "resp": 74.21583204557982 }, { "operator": "add", "arg_1": "#13", "arg_2": "#19", "resp": 145.62941452889632 }, { "operator": "subtract", "arg_1": "#20", "arg_2": "#13", "resp": 74.21583204557982 }, { "operator": "divide", "arg_1": "#21", "arg_2": "#13", "resp": 1.0392397281416035 }, { "operator": "multiply", "arg_1": "#22", "arg_2": "100", "resp": 103.92397281416035 } ], "program": [ "add(2000, 0)", "add(29, 0)", "add(#0, #1)", "add(0.08217, 0)", "divide(#3, 100)", "add(1, #4)", "exponent(#5, 30)", "multiply(#2, #6)", "subtract(#7, #2)", "add(0.01, 0)", "multiply(#9, #7)", "add(#8, #10)", "add(40, 0)", "max(#12, #11)", "add(#7, #1)", "multiply(#14, #6)", "subtract(#15, #14)", "multiply(#9, #15)", "add(#16, #17)", "max(#12, #18)", "add(#13, #19)", "subtract(#20, #13)", "divide(#21, #13)", "multiply(#22, 100)" ], "question_tense": "FIRST", "financial_terms": [ "PURCHASE APR", "LATE PAYMENT FEE", "MINIMUM PAYMENT", "ACCOUNT BALANCE", "BILLING CYCLE", "MINIMUM FEE RULE", "BILLING-CYCLE INTEREST", "MINIMUM PAYMENT FORMULA", "MAXIMUM SELECTION", "EXPONENTIAL INTEREST CALCULATION", "CHASE CARD TERMS" ], "credit_card": "Starbucks Rewards Visa Signature Agreement.pdf-255606.md" }, { "question": "If I transfer a balance of $300 to this card at the start of June and pay off the initial transfer fee immediatly, how much am I saving per day compared to if I let the fee accumulate interest for 30 days? Let APR be 20.49% (answer in cents)?", "ground_truth": "0.01", "output_units": "$", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "add", "arg_1": "300", "arg_2": "0", "resp": 300.0 }, { "operator": "add", "arg_1": "20.49", "arg_2": "0", "resp": 20.49 }, { "operator": "add", "arg_1": "5", "arg_2": "0", "resp": 5.0 }, { "operator": "divide", "arg_1": "#2", "arg_2": "100", "resp": 0.05 }, { "operator": "multiply", "arg_1": "#0", "arg_2": "#3", "resp": 15.0 }, { "operator": "add", "arg_1": "5", "arg_2": "0", "resp": 5.0 }, { "operator": "max", "arg_1": "#4", "arg_2": "#5", "resp": 15.0 }, { "operator": "divide", "arg_1": "#1", "arg_2": "365", "resp": 0.05613698630136986 }, { "operator": "divide", "arg_1": "#7", "arg_2": "100", "resp": 0.0005613698630136986 }, { "operator": "add", "arg_1": "1", "arg_2": "#8", "resp": 1.0005613698630136 }, { "operator": "add", "arg_1": "30", "arg_2": "0", "resp": 30.0 }, { "operator": "exponent", "arg_1": "#9", "arg_2": "#10", "resp": 1.0169789010797021 }, { "operator": "subtract", "arg_1": "#11", "arg_2": "1", "resp": 0.01697890107970213 }, { "operator": "multiply", "arg_1": "#6", "arg_2": "#12", "resp": 0.254683516195532 }, { "operator": "divide", "arg_1": "#13", "arg_2": "#10", "resp": 0.008489450539851062 } ], "program": [ "add(300, 0)", "add(20.49, 0)", "add(5, 0)", "divide(#2, 100)", "multiply(#0, #3)", "add(5, 0)", "max(#4, #5)", "divide(#1, 365)", "divide(#7, 100)", "add(1, #8)", "add(30, 0)", "exponent(#9, #10)", "subtract(#11, 1)", "multiply(#6, #12)", "divide(#13, #10)" ], "question_tense": "FIRST", "financial_terms": [ "BALANCE TRANSFER APR", "BALANCE TRANSFER FEE", "ACCOUNT BALANCE", "PAYOFF TIME", "THIRTY-DAY INTEREST", "BALANCE PAYOFF", "365-DAY RATE BASIS", "MAXIMUM SELECTION", "EXPONENTIAL INTEREST CALCULATION" ], "credit_card": "Starbucks Rewards Visa Signature Agreement.pdf-255606.md" }, { "question": "A cardholder has an outstanding balance of $5,500 and a past due amount of $1,500 from a previous billing cycle. On October 8th, they attempt to make $2,500 payment, but the payment is returned unpaid on October 15th, incurring a returned payment fee of $20. The minimum payment due for this cycle is $300, and the payment due date is October 28th. The cardholder then attempts to make another payment of $1,800 on November 5th, but this payment is also returned unpaid on November 10th, adding another returned payment fee of $20. The billing cycle ends on October 31st, and the regular APR of 15% (compounded daily) which applies until the penalty APR takes effect. If no valid payments are made, how much will the cardholder owe by December 31st, including all fees and interest?", "ground_truth": "7217.79", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 2, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 2, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "add", "arg_1": "5500", "arg_2": "1500", "resp": 7000 }, { "operator": "multiply", "arg_1": "20", "arg_2": "2", "resp": 40 }, { "operator": "add", "arg_1": "#0", "arg_2": "#1", "resp": 7040 }, { "operator": "divide", "arg_1": "0.15", "arg_2": "365", "resp": 0.000410958904109589 }, { "operator": "subtract", "arg_1": "12-31", "arg_2": "10-31", "resp": 61 }, { "operator": "add", "arg_1": "#3", "arg_2": "1", "resp": 1.0004109589041097 }, { "operator": "exponent", "arg_1": "#5", "arg_2": "#4", "resp": 1.0253800696310975 }, { "operator": "multiply", "arg_1": "#6", "arg_2": "#2", "resp": 7218.6756902029265 } ], "program": [ "add(5500, 1500)", "multiply(20, 2)", "add(#0, #1)", "divide(0.15, 365)", "subtract(12-31, 10-31)", "add(#3, 1)", "exponent(#5, #4)", "multiply(#6, #2)" ], "question_tense": "THIRD", "financial_terms": [ "PENALTY APR", "RETURNED PAYMENT FEE", "MINIMUM PAYMENT", "ACCOUNT BALANCE", "BILLING CYCLE", "DAILY COMPOUNDING", "PAYOFF TIME", "MINIMUM FEE RULE", "PAYMENT DUE DATE", "RETURNED ITEM FEE", "DAILY COMPOUNDING INTEREST", "BILLING-CYCLE INTEREST", "MINIMUM PAYMENT FORMULA", "PAYMENT DUE DATE CALCULATION", "MINIMUM PAYMENT DUE", "PAST-DUE BALANCE" ], "credit_card": "nfcu_573CC_3-24-461850.md" }, { "question": "Samantha and Jake are both late on their payments and have triggered the penalty APR. Samantha has a balance of $1500 and was late for 2 months, while Jake has a balance of $1000 and was late for 5 months. Is it true that Jake will end up paying more in total interest than Samantha by the time they make their first repayment?", "ground_truth": "TRUE", "output_units": "binary", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 2, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 2, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "0.18", "arg_2": "365", "resp": 0.0004931506849315068 }, { "operator": "multiply", "arg_1": "2", "arg_2": "30", "resp": 60 }, { "operator": "multiply", "arg_1": "5", "arg_2": "30", "resp": 150 }, { "operator": "add", "arg_1": "#0", "arg_2": "1", "resp": 1.0004931506849315 }, { "operator": "exponent", "arg_1": "#3", "arg_2": "#1", "resp": 1.030023633955047 }, { "operator": "multiply", "arg_1": "#4", "arg_2": "1500", "resp": 1545.0354509325705 }, { "operator": "subtract", "arg_1": "#5", "arg_2": "1500", "resp": 45.035450932570484 }, { "operator": "exponent", "arg_1": "#3", "arg_2": "#2", "resp": 1.076757670753648 }, { "operator": "multiply", "arg_1": "#7", "arg_2": "1000", "resp": 1076.757670753648 }, { "operator": "subtract", "arg_1": "#8", "arg_2": "1000", "resp": 76.75767075364797 }, { "operator": "greater", "arg_1": "#9", "arg_2": "#6", "resp": "TRUE" } ], "program": [ "divide(0.18, 365)", "multiply(2, 30)", "multiply(5, 30)", "add(#0, 1)", "exponent(#3, #1)", "multiply(#4, 1500)", "subtract(#5, 1500)", "exponent(#3, #2)", "multiply(#7, 1000)", "subtract(#8, 1000)", "greater(#9, #6)" ], "question_tense": "THIRD", "financial_terms": [ "PENALTY APR", "ACCOUNT BALANCE", "INTEREST ACCRUAL", "365-DAY RATE BASIS", "EXPONENTIAL INTEREST CALCULATION" ], "credit_card": "nfcu_573CC_3-24-461850.md" }, { "question": "If a military service member takes out $100 transaction of any type, and the total interest accumulated reaches $3 after a certain number of days, at least how many days have passed?", "ground_truth": "30", "output_units": "day", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "3", "arg_2": "100", "resp": 0.03 }, { "operator": "add", "arg_1": "1", "arg_2": "#0", "resp": 1.03 }, { "operator": "divide", "arg_1": "36", "arg_2": "36500", "resp": 0.0009863013698630137 }, { "operator": "add", "arg_1": "1", "arg_2": "#2", "resp": 1.000986301369863 }, { "operator": "ln", "arg_1": "#1", "resp": 0.02955880224154443 }, { "operator": "ln", "arg_1": "#3", "resp": 0.0009858152942520046 }, { "operator": "divide", "arg_1": "#4", "arg_2": "#5", "resp": 29.98411813439394 }, { "operator": "round", "arg_1": "#6", "arg_2": "0", "resp": 30 } ], "program": [ "divide(3, 100)", "add(1, #0)", "divide(36, 36500)", "add(1, #2)", "ln(#1)", "ln(#3)", "divide(#4, #5)", "round(#6, 0)" ], "question_tense": "THIRD", "financial_terms": [ "MILITARY LENDING APR", "INTEREST ACCRUAL", "PAYOFF TIME", "ROUNDING RULE", "365-DAY RATE BASIS", "LOGARITHMIC PAYOFF CALCULATION" ], "credit_card": "CostcoAnywhereVisa.md" }, { "question": "A traveler needs to withdraw 800 units of local currency using a credit card. The Cash Advance ATM Fee is the greater of $10 or 5% of the withdrawn amount. To minimize fees, should they: Option A: Withdraw $500 and $300 in two separate transactions. Option B: Withdraw $400 twice Which option results in the lower total fee, and what is the fee difference?", "ground_truth": "0.00", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 4, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 4, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "500", "arg_2": "0.05", "resp": 25.0 }, { "operator": "max", "arg_1": "#0", "arg_2": "10", "resp": 25.0 }, { "operator": "multiply", "arg_1": "300", "arg_2": "0.05", "resp": 15.0 }, { "operator": "max", "arg_1": "#2", "arg_2": "10", "resp": 15.0 }, { "operator": "add", "arg_1": "#1", "arg_2": "#3", "resp": 40.0 }, { "operator": "multiply", "arg_1": "400", "arg_2": "0.05", "resp": 20.0 }, { "operator": "max", "arg_1": "#5", "arg_2": "10", "resp": 20.0 }, { "operator": "multiply", "arg_1": "400", "arg_2": "0.05", "resp": 20.0 }, { "operator": "max", "arg_1": "#7", "arg_2": "10", "resp": 20.0 }, { "operator": "add", "arg_1": "#6", "arg_2": "#8", "resp": 40.0 }, { "operator": "subtract", "arg_1": "#9", "arg_2": "#4", "resp": 0.0 } ], "program": [ "multiply(500, 0.05)", "max(#0, 10)", "multiply(300, 0.05)", "max(#2, 10)", "add(#1, #3)", "multiply(400, 0.05)", "max(#5, 10)", "multiply(400, 0.05)", "max(#7, 10)", "add(#6, #8)", "subtract(#9, #4)" ], "question_tense": "THIRD", "financial_terms": [ "CASH ADVANCE FEE", "MINIMUM MAXIMUM FEE RULE", "ATM CASH ADVANCE", "GREATER-OF FEE RULE", "CARD OPTION COMPARISON", "FINANCIAL DIFFERENCE", "MAXIMUM SELECTION", "PERCENTAGE-BASED FEE" ], "credit_card": "US_Bank_Elan_Financial.md" }, { "question": "With the lowest possible DPR for Cash Advances, how many days will it take for a cardholder to have a daily interest accrual greater than $16 per day on $3000 cash advance?", "ground_truth": "2368", "output_units": "day", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "16", "arg_2": "0.00080109", "resp": 19972.78707760676 }, { "operator": "ln", "arg_1": "#0", "resp": 9.902125979896995 }, { "operator": "ln", "arg_1": "3000", "resp": 8.006367567650246 }, { "operator": "subtract", "arg_1": "#1", "arg_2": "#2", "resp": 1.8957584122467495 }, { "operator": "add", "arg_1": "0.00080109", "arg_2": "1", "resp": 1.00080109 }, { "operator": "ln", "arg_1": "#4", "resp": 0.0008007692986682231 }, { "operator": "divide", "arg_1": "#3", "arg_2": "#5", "resp": 2367.421447599985 }, { "operator": "ceil", "arg_1": "#6", "resp": 2368 } ], "program": [ "divide(16, 0.00080109)", "ln(#0)", "ln(3000)", "subtract(#1, #2)", "add(0.00080109, 1)", "ln(#4)", "divide(#3, #5)", "ceil(#6)" ], "question_tense": "THIRD", "financial_terms": [ "DAILY PERIODIC RATE", "CASH ADVANCE APR", "PAYOFF TIME", "ROUND-UP RULE", "LOGARITHMIC PAYOFF CALCULATION" ], "credit_card": "US_Bank_Visa_Signature_and_World_Mastercard_Accounts.md" }, { "question": "Nora made a purchase of $12 on her credit card and forgot to pay it off for 6 months. Assume the regular APR is 16% and interest is compounded daily. What percentage of her original balance is the interest she accrued over 6 months??", "ground_truth": "8.92", "output_units": "%", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 1, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 1, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "subtract", "arg_1": "6", "arg_2": "2", "resp": 4 }, { "operator": "divide", "arg_1": "0.16", "arg_2": "365", "resp": 0.00043835616438356166 }, { "operator": "add", "arg_1": "#1", "arg_2": "1", "resp": 1.0004383561643835 }, { "operator": "multiply", "arg_1": "30", "arg_2": "2", "resp": 60 }, { "operator": "exponent", "arg_1": "#2", "arg_2": "#3", "resp": 1.0266443867489117 }, { "operator": "multiply", "arg_1": "#4", "arg_2": "12.00", "resp": 12.31973264098694 }, { "operator": "divide", "arg_1": "0.18", "arg_2": "365", "resp": 0.0004931506849315068 }, { "operator": "add", "arg_1": "#6", "arg_2": "1", "resp": 1.0004931506849315 }, { "operator": "multiply", "arg_1": "30", "arg_2": "#0", "resp": 120 }, { "operator": "exponent", "arg_1": "#7", "arg_2": "#8", "resp": 1.060948686505961 }, { "operator": "multiply", "arg_1": "#5", "arg_2": "#9", "resp": 13.070604163559707 }, { "operator": "subtract", "arg_1": "#10", "arg_2": "12.00", "resp": 1.0706041635597074 }, { "operator": "divide", "arg_1": "#11", "arg_2": "12.00", "resp": 0.08921701362997563 }, { "operator": "multiply", "arg_1": "#12", "arg_2": "100", "resp": 8.921701362997563 } ], "program": [ "subtract(6, 2)", "divide(0.16, 365)", "add(#1, 1)", "multiply(30, 2)", "exponent(#2, #3)", "multiply(#4, 12.00)", "divide(0.18, 365)", "add(#6, 1)", "multiply(30, #0)", "exponent(#7, #8)", "multiply(#5, #9)", "subtract(#10, 12.00)", "divide(#11, 12.00)", "multiply(#12, 100)" ], "question_tense": "THIRD", "financial_terms": [ "PURCHASE APR", "ACCOUNT BALANCE", "DAILY COMPOUNDING", "PERCENTAGE CALCULATION", "DAILY COMPOUNDING INTEREST", "365-DAY RATE BASIS", "EXPONENTIAL INTEREST CALCULATION", "CHASE CARD TERMS" ], "credit_card": "nfcu_573CC_3-24-461850.md" }, { "question": "A cardholder has an outstanding balance of $4,500 on their credit card. On June 5th, they attempt to make $1,500 payment, but the payment is returned unpaid on June 15th, resulting in a returned payment fee of $20. The minimum payment due for this cycle is $100, and the payment due date is June 25th. Before the due date, on June 24th, the cardholder makes another payment of $100, which is successfully processed. Is it true that the cardholder will still be charged a late payment fee?", "ground_truth": "FALSE", "output_units": "binary", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 2, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 2, "year": 0, "$": 0, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "greater", "arg_1": "24", "arg_2": "25", "resp": "FALSE" }, { "operator": "if", "arg_1": "#0", "arg_2": "\"Yes\", \"No\"", "resp": "FALSE" } ], "program": [ "greater(24, 25)", "if(#0, \"Yes\", \"No\")" ], "question_tense": "THIRD", "financial_terms": [ "LATE PAYMENT FEE", "RETURNED PAYMENT FEE", "MINIMUM PAYMENT", "ACCOUNT BALANCE", "MINIMUM FEE RULE", "PAYMENT DUE DATE", "RETURNED ITEM FEE", "MINIMUM PAYMENT FORMULA", "PAYMENT DUE DATE CALCULATION", "OUTSTANDING BALANCE", "CONDITIONAL FINANCIAL RULE", "MINIMUM PAYMENT DUE" ], "credit_card": "nfcu_573CC_3-24-461850.md" }, { "question": "The cardholder has a credit card balance of $2000. The cardholder's APR is 20%, with monthly compounding. the cardholder makes fixed monthly payments of $250 to pay off the cardholder's balance. How many months will it take to fully pay off the cardholder's balance?", "ground_truth": "9", "output_units": "month", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "0.2", "arg_2": "12", "resp": 0.016666666666666666 }, { "operator": "add", "arg_1": "1", "arg_2": "#0", "resp": 1.0166666666666666 }, { "operator": "log10", "arg_1": "#1", "resp": 0.007178584627123376 }, { "operator": "multiply", "arg_1": "#0", "arg_2": "2000", "resp": 33.333333333333336 }, { "operator": "subtract", "arg_1": "250", "arg_2": "#3", "resp": 216.66666666666666 }, { "operator": "divide", "arg_1": "250", "arg_2": "#4", "resp": 1.153846153846154 }, { "operator": "log10", "arg_1": "#5", "resp": 0.06214790674884452 }, { "operator": "divide", "arg_1": "#6", "arg_2": "#2", "resp": 8.657403928070513 }, { "operator": "ceil", "arg_1": "#7", "resp": 9 } ], "program": [ "divide(0.2, 12)", "add(1, #0)", "log10(#1)", "multiply(#0, 2000)", "subtract(250, #3)", "divide(250, #4)", "log10(#5)", "divide(#6, #2)", "ceil(#7)" ], "question_tense": "THIRD", "financial_terms": [ "ACCOUNT BALANCE", "MONTHLY COMPOUNDING", "PAYOFF TIME", "MONTHLY COMPOUNDING INTEREST", "MONTHLY PAYMENT", "BALANCE PAYOFF", "FIXED PAYMENT AMORTIZATION", "ROUND-UP RULE", "LOGARITHMIC PAYOFF CALCULATION", "FIXED MONTHLY REPAYMENT" ], "credit_card": "GAPPrivateLabel_combined.md" }, { "question": "The cardholder transfers $4000 to a new credit card with an APR for balance transfers of 21.5%. the cardholder plans to make fixed monthly payments of $250 to pay off the cardholder's balance. How many months will it take to fully pay off the balance?", "ground_truth": "20", "output_units": "month", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "0.215", "arg_2": "12", "resp": 0.017916666666666668 }, { "operator": "add", "arg_1": "1", "arg_2": "#0", "resp": 1.0179166666666666 }, { "operator": "log10", "arg_1": "#1", "resp": 0.007712225261830668 }, { "operator": "multiply", "arg_1": "#0", "arg_2": "4000", "resp": 71.66666666666667 }, { "operator": "subtract", "arg_1": "250", "arg_2": "#3", "resp": 178.33333333333331 }, { "operator": "divide", "arg_1": "250", "arg_2": "#4", "resp": 1.4018691588785048 }, { "operator": "log10", "arg_1": "#5", "resp": 0.14670748137047165 }, { "operator": "divide", "arg_1": "#6", "arg_2": "#2", "resp": 19.0227173597426 }, { "operator": "ceil", "arg_1": "#7", "resp": 20 } ], "program": [ "divide(0.215, 12)", "add(1, #0)", "log10(#1)", "multiply(#0, 4000)", "subtract(250, #3)", "divide(250, #4)", "log10(#5)", "divide(#6, #2)", "ceil(#7)" ], "question_tense": "THIRD", "financial_terms": [ "BALANCE TRANSFER APR", "ACCOUNT BALANCE", "PAYOFF TIME", "MONTHLY PAYMENT", "BALANCE PAYOFF", "FIXED PAYMENT AMORTIZATION", "ROUND-UP RULE", "LOGARITHMIC PAYOFF CALCULATION", "FIXED MONTHLY REPAYMENT" ], "credit_card": "GAPPrivateLabel_combined.md" }, { "question": "The cardholder's current daily balance is $1500, and the cardholder's credit card has an APR of 25%, compounded daily. the cardholder plans to make fixed daily payments of $20 to reduce the balance. How many days will it take to fully pay off the balance?", "ground_truth": "78", "output_units": "day", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "0.25", "arg_2": "365", "resp": 0.0006849315068493151 }, { "operator": "add", "arg_1": "1", "arg_2": "#0", "resp": 1.0006849315068493 }, { "operator": "log10", "arg_1": "#1", "resp": 0.00029736014985968427 }, { "operator": "multiply", "arg_1": "1500", "arg_2": "#0", "resp": 1.0273972602739727 }, { "operator": "subtract", "arg_1": "20", "arg_2": "#3", "resp": 18.972602739726028 }, { "operator": "divide", "arg_1": "20", "arg_2": "#4", "resp": 1.0541516245487363 }, { "operator": "log10", "arg_1": "#5", "resp": 0.022903082383969688 }, { "operator": "divide", "arg_1": "#6", "arg_2": "#2", "resp": 77.02135741718249 }, { "operator": "ceil", "arg_1": "#7", "resp": 78 } ], "program": [ "divide(0.25, 365)", "add(1, #0)", "log10(#1)", "multiply(1500, #0)", "subtract(20, #3)", "divide(20, #4)", "log10(#5)", "divide(#6, #2)", "ceil(#7)" ], "question_tense": "THIRD", "financial_terms": [ "ACCOUNT BALANCE", "DAILY COMPOUNDING", "PAYOFF TIME", "DAILY COMPOUNDING INTEREST", "BALANCE PAYOFF", "DAILY BALANCE", "ROUND-UP RULE", "365-DAY RATE BASIS", "LOGARITHMIC PAYOFF CALCULATION" ], "credit_card": "GAPPrivateLabel_combined.md" }, { "question": "A cardholder has a DPR for Balance Transfers of 0.058%. How many months has passed for the DPR for Balance Transfers to accumulate to 12.528% of the original balance (Assume daily compounding as described in the agreement and 31 day months)?", "ground_truth": "7", "output_units": "month", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "add", "arg_1": "0.12528", "arg_2": "1", "resp": 1.12528 }, { "operator": "ln", "arg_1": "#0", "resp": 0.11803189357757113 }, { "operator": "add", "arg_1": "0.00058", "arg_2": "1", "resp": 1.00058 }, { "operator": "ln", "arg_1": "#2", "resp": 0.0005798318650090802 }, { "operator": "divide", "arg_1": "#1", "arg_2": "#3", "resp": 203.56227503247473 }, { "operator": "divide", "arg_1": "#4", "arg_2": "31", "resp": 6.566525001047572 }, { "operator": "ceil", "arg_1": "#5", "resp": 7 } ], "program": [ "add(0.12528, 1)", "ln(#0)", "add(0.00058, 1)", "ln(#2)", "divide(#1, #3)", "divide(#4, 31)", "ceil(#5)" ], "question_tense": "THIRD", "financial_terms": [ "DAILY PERIODIC RATE", "BALANCE TRANSFER", "ACCOUNT BALANCE", "DAILY COMPOUNDING", "PAYOFF TIME", "DAILY COMPOUNDING INTEREST", "ONE-DAY INTEREST", "ROUND-UP RULE", "LOGARITHMIC PAYOFF CALCULATION", "PERCENTAGE-BASED FEE" ], "credit_card": "US_Bank_Visa_Signature_and_World_Mastercard_Accounts.md" }, { "question": "A cardholder has the max DPR for Purchases shown in their credit card agreement. How many months will it take for them to accrue 50% of their original purchase price in interest using daily compounding? (Assume months are 28 days on average)?", "ground_truth": "18", "output_units": "month", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "add", "arg_1": "0.5", "arg_2": "1", "resp": 1.5 }, { "operator": "ln", "arg_1": "#0", "resp": 0.4054651081081644 }, { "operator": "add", "arg_1": "1", "arg_2": "0.00082164", "resp": 1.00082164 }, { "operator": "ln", "arg_1": "#2", "resp": 0.0008213026386356815 }, { "operator": "divide", "arg_1": "#1", "arg_2": "#3", "resp": 493.6853834802095 }, { "operator": "divide", "arg_1": "#4", "arg_2": "28", "resp": 17.63162083857891 }, { "operator": "ceil", "arg_1": "#5", "resp": 18 } ], "program": [ "add(0.5, 1)", "ln(#0)", "add(1, 0.00082164)", "ln(#2)", "divide(#1, #3)", "divide(#4, 28)", "ceil(#5)" ], "question_tense": "THIRD", "financial_terms": [ "DAILY PERIODIC RATE", "PURCHASE APR", "DAILY COMPOUNDING", "PAYOFF TIME", "DAILY COMPOUNDING INTEREST", "ROUND-UP RULE", "LOGARITHMIC PAYOFF CALCULATION", "CHASE CARD TERMS", "PERCENTAGE-BASED FEE" ], "credit_card": "US_Bank_Visa_Signature_and_World_Mastercard_Accounts.md" }, { "question": "Charlotte has a balance of $4,000 and her APR starts at 15% but drops to 13% on June 1st due to market changes. If she doesn’t make payments for an entire year, how much total interest will she owe? Assume daily compounding?", "ground_truth": "596.00", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 2, "month": 0, "day": 2, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 2, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "0.15", "arg_2": "365", "resp": 0.0004109589041 }, { "operator": "divide", "arg_1": "0.13", "arg_2": "365", "resp": 0.0003561643836 }, { "operator": "add", "arg_1": "#0", "arg_2": "1", "resp": 1.0004109589041 }, { "operator": "add", "arg_1": "#1", "arg_2": "1", "resp": 1.0003561643836 }, { "operator": "exponent", "arg_1": "#2", "arg_2": "151", "resp": 1.0625 }, { "operator": "multiply", "arg_1": "#4", "arg_2": "4000", "resp": 4250 }, { "operator": "exponent", "arg_1": "#3", "arg_2": "214", "resp": 1.081 }, { "operator": "multiply", "arg_1": "#6", "arg_2": "#5", "resp": 4596 }, { "operator": "subtract", "arg_1": "#7", "arg_2": "4000", "resp": "596.00" } ], "program": [ "divide(0.15, 365)", "divide(0.13, 365)", "add(#0, 1)", "add(#1, 1)", "exponent(#2, 151)", "multiply(#4, 4000)", "exponent(#3, 214)", "multiply(#6, #5)", "subtract(#7, 4000)" ], "question_tense": "THIRD", "financial_terms": [ "VARIABLE APR", "ACCOUNT BALANCE", "DAILY COMPOUNDING", "INTEREST ACCRUAL", "DAILY COMPOUNDING INTEREST", "365-DAY RATE BASIS", "EXPONENTIAL INTEREST CALCULATION" ], "credit_card": "nfcu_573CC_3-24-461850.md" }, { "question": "Karen spends $3,500 on regular purchases and $4,000 on balance transfers. Ben spends $2,000 on eligible net purchases, $2,500 on gambling, and $1,500 on cash advances. They both want to use their accumulated rewards at the end of 12 months to redeem $400 plane ticket. Is it safe to assume that both of them will have enough rewards to fully cover the ticket cost? Assume they both do not have direct deposits at Navy Federal?", "ground_truth": "FALSE", "output_units": "binary", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 6, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 6, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "3500", "arg_2": "0.015", "resp": 52.5 }, { "operator": "multiply", "arg_1": "2000", "arg_2": "0.015", "resp": 30.0 }, { "operator": "multiply", "arg_1": "#0", "arg_2": "12", "resp": 630.0 }, { "operator": "multiply", "arg_1": "#1", "arg_2": "12", "resp": 360.0 }, { "operator": "greater_equal", "arg_1": "#2", "arg_2": "400", "resp": "TRUE" }, { "operator": "greater_equal", "arg_1": "#3", "arg_2": "400", "resp": "FALSE" }, { "operator": "if", "arg_1": "#5", "arg_2": "\"Yes\", \"No\"", "resp": "FALSE" } ], "program": [ "multiply(3500, 0.015)", "multiply(2000, 0.015)", "multiply(#0, 12)", "multiply(#1, 12)", "greater_equal(#2, 400)", "greater_equal(#3, 400)", "if(#5, \"Yes\", \"No\")" ], "question_tense": "THIRD", "financial_terms": [ "CASH ADVANCE", "BALANCE TRANSFER", "PURCHASE TRANSACTION", "DIRECT DEPOSIT", "ACCOUNT BALANCE", "REWARDS", "CONDITIONAL FINANCIAL RULE", "CHASE CARD TERMS", "NAVY FEDERAL CARD TERMS" ], "credit_card": "nfcu_573CC_3-24-461850.md" }, { "question": "I withdrew $1000 from my credit card using an ATM and forgot to make the minimum payment that month. I am now charged the maximum APR. How many months will it take me to pay off the balance if I only make the minimum payment each month—assuming that all fees and interest are added at the end of each 30-day billing cycle and that the new minimum payment each month is based solely on the updated balance?", "ground_truth": "46", "output_units": "month", "input_units": { "from_doc": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 4, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "add", "arg_1": "0", "arg_2": "1000", "resp": 1000 }, { "operator": "multiply", "arg_1": "#0", "arg_2": "0.05", "resp": 50.0 }, { "operator": "max", "arg_1": "10", "arg_2": "#1", "resp": 50.0 }, { "operator": "add", "arg_1": "#0", "arg_2": "#2", "resp": 1050.0 }, { "operator": "add", "arg_1": "#3", "arg_2": "29", "resp": 1079.0 }, { "operator": "simulate_min_payment_plan", "arg_1": "#4, 0.08217, 30, 40, 0.01", "arg_2": "1", "resp": [ 735, 46 ] }, { "operator": "add", "arg_1": "#5[1]", "arg_2": "0", "resp": 46 } ], "program": [ "add(0, 1000)", "multiply(#0, 0.05)", "max(10, #1)", "add(#0, #2)", "add(#3, 29)", "simulate_min_payment_plan(#4, 0.08217, 30, 40, 0.01, 1)", "add(#5[1], 0)" ], "question_tense": "FIRST", "financial_terms": [ "DAILY PERIODIC RATE", "CASH ADVANCE APR", "CASH ADVANCE FEE", "LATE PAYMENT FEE", "MINIMUM PAYMENT", "ACCOUNT BALANCE", "BILLING CYCLE", "PAYOFF TIME", "MINIMUM FEE RULE", "ATM CASH ADVANCE", "MAXIMUM APR TEST", "BILLING-CYCLE INTEREST", "MINIMUM PAYMENT FORMULA", "BALANCE PAYOFF", "MINIMUM-ONLY REPAYMENT" ], "credit_card": "Starbucks Rewards Visa Signature Agreement.pdf-255606.md" }, { "question": "If I am considered a risky borrower of credit, how much more interest is accumulated over 10 days on $1000 purchase compared to if I was not a risky borrower? Assume that I will pay the lower bound of DPR specified in the credit card agreement?", "ground_truth": "3.86", "output_units": "$", "input_units": { "from_doc": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 1, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 1, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "0.04381", "arg_2": "100", "resp": 0.0004381 }, { "operator": "add", "arg_1": "1", "arg_2": "#0", "resp": 1.0004381 }, { "operator": "divide", "arg_1": "0.08217", "arg_2": "100", "resp": 0.0008217 }, { "operator": "add", "arg_1": "1", "arg_2": "#2", "resp": 1.0008217 }, { "operator": "exponent", "arg_1": "#1", "arg_2": "10", "resp": 1.0043896470204186 }, { "operator": "exponent", "arg_1": "#3", "arg_2": "10", "resp": 1.0082474502624024 }, { "operator": "subtract", "arg_1": "#5", "arg_2": "#4", "resp": 0.0038578032419837606 }, { "operator": "multiply", "arg_1": "#6", "arg_2": "1000", "resp": 3.8578032419837607 } ], "program": [ "divide(0.04381, 100)", "add(1, #0)", "divide(0.08217, 100)", "add(1, #2)", "exponent(#1, 10)", "exponent(#3, 10)", "subtract(#5, #4)", "multiply(#6, 1000)" ], "question_tense": "FIRST", "financial_terms": [ "DAILY PERIODIC RATE", "PURCHASE APR", "CREDIT TIER", "RISK-BASED APR", "EXPONENTIAL INTEREST CALCULATION", "CHASE CARD TERMS" ], "credit_card": "Starbucks Rewards Visa Signature Agreement.pdf-255606.md" }, { "question": "What is the percent difference of interest over a year on an outstanding balance of $1000 with the minimum APR versus the maximum APR ?", "ground_truth": "22.738463187849042", "output_units": "%", "input_units": { "from_doc": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "0.149", "arg_2": "365", "resp": 0.00040821917808219176 }, { "operator": "divide", "arg_1": "0.18", "arg_2": "365", "resp": 0.0004931506849315068 }, { "operator": "add", "arg_1": "#0", "arg_2": "1", "resp": 1.0004082191780823 }, { "operator": "add", "arg_1": "#1", "arg_2": "1", "resp": 1.0004931506849315 }, { "operator": "exponent", "arg_1": "#2", "arg_2": "365", "resp": 1.1606377005804485 }, { "operator": "multiply", "arg_1": "#4", "arg_2": "1000", "resp": 1160.6377005804484 }, { "operator": "exponent", "arg_1": "#3", "arg_2": "365", "resp": 1.1971642449927409 }, { "operator": "multiply", "arg_1": "#6", "arg_2": "1000", "resp": 1197.1642449927408 }, { "operator": "subtract", "arg_1": "#7", "arg_2": "#5", "resp": 36.526544412292424 }, { "operator": "subtract", "arg_1": "#5", "arg_2": "1000", "resp": 160.63770058044838 }, { "operator": "divide", "arg_1": "#8", "arg_2": "#9", "resp": 0.22738463187849042 }, { "operator": "multiply", "arg_1": "#10", "arg_2": "100", "resp": 22.738463187849042 } ], "program": [ "divide(0.149, 365)", "divide(0.18, 365)", "add(#0, 1)", "add(#1, 1)", "exponent(#2, 365)", "multiply(#4, 1000)", "exponent(#3, 365)", "multiply(#6, 1000)", "subtract(#7, #5)", "subtract(#5, 1000)", "divide(#8, #9)", "multiply(#10, 100)" ], "question_tense": "THIRD", "financial_terms": [ "VARIABLE APR", "ACCOUNT BALANCE", "PERCENTAGE CALCULATION", "MAXIMUM APR TEST", "MINIMUM APR TEST", "FINANCIAL DIFFERENCE", "PERCENT DIFFERENCE", "OUTSTANDING BALANCE", "365-DAY RATE BASIS", "EXPONENTIAL INTEREST CALCULATION" ], "credit_card": "nfcu_573CC_3-24-461850.md" }, { "question": "The cardholder is planning to travel from Austria to Germany to Italy and need to withdraw a total of $3000 in cash advances for food, shopping etc. the cardholder has two choices. the cardholder can withdraw all $3000 at once from a single ATM or withdraw $1000 in each country. The regular APR is 17%. If the cardholder repay the full amount 45 days later, what is the percent difference in total amount owed between withdrawing all at once as opposed to withdraing in three separate transactions?", "ground_truth": "0.0651", "output_units": "%", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 1, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 1, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "add", "arg_1": "0.17", "arg_2": "0.02", "resp": 0.19 }, { "operator": "divide", "arg_1": "#0", "arg_2": "365", "resp": 0.0005205479452054794 }, { "operator": "add", "arg_1": "#1", "arg_2": "1", "resp": 1.0005205479452055 }, { "operator": "exponent", "arg_1": "#2", "arg_2": "45", "resp": 1.0236949305241914 }, { "operator": "multiply", "arg_1": "3000", "arg_2": "#3", "resp": 3071.084791572574 }, { "operator": "add", "arg_1": "#4", "arg_2": "1.00", "resp": 3072.084791572574 }, { "operator": "multiply", "arg_1": "1000", "arg_2": "#3", "resp": 1023.6949305241914 }, { "operator": "multiply", "arg_1": "#6", "arg_2": "3", "resp": 3071.084791572574 }, { "operator": "multiply", "arg_1": "1.00", "arg_2": "3", "resp": 3.0 }, { "operator": "add", "arg_1": "#7", "arg_2": "#8", "resp": 3074.084791572574 }, { "operator": "subtract", "arg_1": "#9", "arg_2": "#5", "resp": 2.0 }, { "operator": "divide", "arg_1": "#10", "arg_2": "#5", "resp": 0.0006510236974859724 }, { "operator": "multiply", "arg_1": "#11", "arg_2": "100", "resp": 0.06510236974859725 } ], "program": [ "add(0.17, 0.02)", "divide(#0, 365)", "add(#1, 1)", "exponent(#2, 45)", "multiply(3000, #3)", "add(#4, 1.00)", "multiply(1000, #3)", "multiply(#6, 3)", "multiply(1.00, 3)", "add(#7, #8)", "subtract(#9, #5)", "divide(#10, #5)", "multiply(#11, 100)" ], "question_tense": "THIRD", "financial_terms": [ "CASH ADVANCE APR", "PAYMENT DUE DATE", "PERCENTAGE CALCULATION", "ATM CASH ADVANCE", "DAY COUNT CALCULATION", "PIN SECURITY LIABILITY", "FINANCIAL DIFFERENCE", "PERCENT DIFFERENCE", "365-DAY RATE BASIS", "EXPONENTIAL INTEREST CALCULATION" ], "credit_card": "nfcu_573CC_3-24-461850.md" }, { "question": "Bran and Tyrion both recently opened a Navy Federal cashRewards Credit Card. Bran applied for his card on March 1st, while Tyrion applied on April 15, 2024. Bran wants to transfer a balance of $28,000 from another bank's credit card, while Tyrion plans to transfer $15,000 from his store credit card and $5,000 from his Home Equity Line of Credit (HELOC). How much of each person's requested balance transfer will be approved? Assume today’s date is May 5th?", "ground_truth": "15000.00", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 1, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 2, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 3, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "greater", "arg_1": "65", "arg_2": "60", "resp": "TRUE" }, { "operator": "less", "arg_1": "20", "arg_2": "60", "resp": "TRUE" }, { "operator": "if", "arg_1": "#0", "arg_2": "0, 28000", "resp": 0 }, { "operator": "if", "arg_1": "#1", "arg_2": "15000, 0", "resp": 15000 }, { "operator": "if", "arg_1": "#1", "arg_2": "0, 0", "resp": 0 }, { "operator": "add", "arg_1": "#3", "arg_2": "#4", "resp": 15000 } ], "program": [ "greater(65, 60)", "less(20, 60)", "if(#0, 0, 28000)", "if(#1, 15000, 0)", "if(#1, 0, 0)", "add(#3, #4)" ], "question_tense": "THIRD", "financial_terms": [ "BALANCE TRANSFER APR", "ACCOUNT BALANCE", "REWARDS", "CONDITIONAL FINANCIAL RULE", "NAVY FEDERAL CARD TERMS" ], "credit_card": "nfcu_573CC_3-24-461850.md" }, { "question": "Brendan really wants to save up for a boat that costs $20000 and needs it within 4 months if possible. He currently is making $15000 per month but he spends $5000 of month on rent, $8000 on other purchases using his card, and the remaining in savings. He also currently has a late payment of $3000 that he needs to pay off. If he wants to be able to to get the boat in 4 months, how much additional income would he need per month? Assume that he has a direct deposit with Navy Federal and has the maximum late payment fee?", "ground_truth": "3615.00", "output_units": "$", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 1, "day": 0, "year": 0, "$": 6, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 1, "day": 0, "year": 0, "$": 7, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "subtract", "arg_1": "15000", "arg_2": "5000", "resp": 10000 }, { "operator": "subtract", "arg_1": "#0", "arg_2": "8000", "resp": 2000 }, { "operator": "add", "arg_1": "3000", "arg_2": "20", "resp": 3020 }, { "operator": "multiply", "arg_1": "8000", "arg_2": "0.0175", "resp": 140 }, { "operator": "multiply", "arg_1": "#3", "arg_2": "4", "resp": 560 }, { "operator": "multiply", "arg_1": "#1", "arg_2": "4", "resp": 8000 }, { "operator": "subtract", "arg_1": "#5", "arg_2": "#2", "resp": 4980 }, { "operator": "add", "arg_1": "#6", "arg_2": "#4", "resp": 5540 }, { "operator": "subtract", "arg_1": "20000", "arg_2": "#7", "resp": 14460 }, { "operator": "divide", "arg_1": "#8", "arg_2": "4", "resp": 3615 } ], "program": [ "subtract(15000, 5000)", "subtract(#0, 8000)", "add(3000, 20)", "multiply(8000, 0.0175)", "multiply(#3, 4)", "multiply(#1, 4)", "subtract(#5, #2)", "add(#6, #4)", "subtract(20000, #7)", "divide(#8, 4)" ], "question_tense": "THIRD", "financial_terms": [ "PURCHASE TRANSACTION", "DIRECT DEPOSIT", "LATE PAYMENT FEE", "PAYOFF TIME", "MONTHLY PAYMENT", "BALANCE PAYOFF", "CHASE CARD TERMS", "NAVY FEDERAL CARD TERMS", "MONTHLY FEE", "DIRECT DEPOSIT FEE" ], "credit_card": "nfcu_573CC_3-24-461850.md" }, { "question": "If I had a credit card policy that incurred a 0.05% of daily total interest charge per day, how much time has passed since my initial purchase of $100 if I currently have a total balance of $120. Assume there is no other fees or interest except the daily interest being added to the card. Also assume interest is compounded daily?", "ground_truth": "365", "output_units": "day", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": 120, "arg_2": 100, "resp": 1.2 }, { "operator": "add", "arg_1": 1, "arg_2": 0.0005, "resp": 1.0005 }, { "operator": "ln", "arg_1": "#0", "arg_2": "#0", "resp": 0.1823215567939546 }, { "operator": "ln", "arg_1": "#1", "arg_2": "#1", "resp": 0.0004998750416510481 }, { "operator": "divide", "arg_1": "#2", "arg_2": "#3", "resp": 364.7342667715134 }, { "operator": "ceil", "arg_1": "#4", "arg_2": "#4", "resp": 365 } ], "program": [ "divide(120, 100)", "add(1, 0.0005)", "ln(#0, #0)", "ln(#1, #1)", "divide(#2, #3)", "ceil(#4, #4)" ], "question_tense": "FIRST", "financial_terms": [ "PURCHASE APR", "ACCOUNT BALANCE", "DAILY COMPOUNDING", "INTEREST ACCRUAL", "DAILY COMPOUNDING INTEREST", "TOTAL BALANCE", "ROUND-UP RULE", "LOGARITHMIC PAYOFF CALCULATION", "CHASE CARD TERMS", "PERCENTAGE-BASED FEE" ], "credit_card": "Discover Near Prime Cardmember Agreement_061824-255535.md" }, { "question": "If my purchase has accumulated an interest of just above 2%, how many days has it been left unpaid?", "ground_truth": "36", "output_units": "day", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "2", "arg_2": "100", "resp": 0.02 }, { "operator": "add", "arg_1": "1", "arg_2": "#0", "resp": 1.02 }, { "operator": "divide", "arg_1": "0.05614", "arg_2": "100", "resp": 0.0005614 }, { "operator": "add", "arg_1": "1", "arg_2": "#2", "resp": 1.0005614 }, { "operator": "ln", "arg_1": "#1", "resp": 0.01980262729617973 }, { "operator": "ln", "arg_1": "#3", "resp": 0.0005612424739740285 }, { "operator": "divide", "arg_1": "#4", "arg_2": "#5", "resp": 35.283550719107005 }, { "operator": "ceil", "arg_1": "#6", "resp": 36 } ], "program": [ "divide(2, 100)", "add(1, #0)", "divide(0.05614, 100)", "add(1, #2)", "ln(#1)", "ln(#3)", "divide(#4, #5)", "ceil(#6)" ], "question_tense": "FIRST", "financial_terms": [ "DAILY PERIODIC RATE", "PURCHASE APR", "PAYOFF TIME", "ROUND-UP RULE", "LOGARITHMIC PAYOFF CALCULATION", "CHASE CARD TERMS" ], "credit_card": "CostcoAnywhereVisa.md" }, { "question": "The cardholder is an Iowa resident with a minimum payment of $10. The cardholder's friend in Arkansas has a card that charges $12 returned payment fee for all cases. If both of the cardholder's payments are returned, who would pay less in returned payment fees?", "ground_truth": "You", "output_units": "categorical", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "min", "arg_1": "10", "arg_2": "15", "resp": 10 }, { "operator": "min", "arg_1": "12", "arg_2": "#0", "resp": 10 }, { "operator": "if", "arg_1": "less_equal(#1, 12)", "arg_2": "You", "arg_3": "Your friend", "resp": "You" } ], "program": [ "min(10, 15)", "min(12, #0)", "if(less_equal(#1, 12), You, Your friend)" ], "question_tense": "THIRD", "financial_terms": [ "RETURNED PAYMENT FEE", "MINIMUM PAYMENT", "MINIMUM FEE RULE", "STATE-SPECIFIC RATE CAP", "MINIMUM PAYMENT FORMULA", "MINIMUM SELECTION", "CONDITIONAL FINANCIAL RULE", "STATE-SPECIFIC FEE RULE" ], "credit_card": "GAPPrivateLabel_combined.md" }, { "question": "A user makes a purchase using the card of $2000 and hasn't made any payments to decrease the balance. The daily compounding interest owed by the customer is $257.14 and the purchase APR is 17.5%, how long has it been since the purchase was made (in months)? Assume there are 30 days in a month on average and round to one place after the decimal?", "ground_truth": "8.4", "output_units": "month", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "257.14", "arg_2": "2000", "resp": 0.12857 }, { "operator": "add", "arg_1": "1", "arg_2": "#0", "resp": 1.12857 }, { "operator": "divide", "arg_1": "17.5", "arg_2": "36500", "resp": 0.00047945205479452054 }, { "operator": "add", "arg_1": "1", "arg_2": "#2", "resp": 1.0004794520547946 }, { "operator": "ln", "arg_1": "#1", "arg_2": "1", "resp": 0.12095134459407661 }, { "operator": "ln", "arg_1": "#3", "arg_2": "1", "resp": 0.0004793371543828732 }, { "operator": "divide", "arg_1": "#4", "arg_2": "#5", "resp": 252.33041813709698 }, { "operator": "divide", "arg_1": "#6", "arg_2": "30", "resp": 8.411013937903233 }, { "operator": "round", "arg_1": "#7", "arg_2": "1", "resp": 8.4 } ], "program": [ "divide(257.14, 2000)", "add(1, #0)", "divide(17.5, 36500)", "add(1, #2)", "ln(#1, 1)", "ln(#3, 1)", "divide(#4, #5)", "divide(#6, 30)", "round(#7, 1)" ], "question_tense": "THIRD", "financial_terms": [ "PURCHASE APR", "ACCOUNT BALANCE", "DAILY COMPOUNDING", "PAYOFF TIME", "DAILY COMPOUNDING INTEREST", "THIRTY-DAY INTEREST", "ROUNDING RULE", "365-DAY RATE BASIS", "LOGARITHMIC PAYOFF CALCULATION", "CHASE CARD TERMS", "INTEREST OWED" ], "credit_card": "Visa Agreement (for in-branch offers).pdf-255597.md" }, { "question": "Say the cardholder takes a cash advance of $300 using the cardholder's card. Using the highest APR within the agreement, and with interest compounded daily based on a 365-day year; if the cardholder repay the full amount (cash advance + fee + interest) exactly 30 days later, is it true that the total interest the cardholder pays is greater than $5?", "ground_truth": "FALSE", "output_units": "binary", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 1, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 1, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "0.18", "arg_2": "365", "resp": 0.0004931506849315068 }, { "operator": "add", "arg_1": "#0", "arg_2": "1", "resp": 1.0004931506849315 }, { "operator": "exponent", "arg_1": "#1", "arg_2": "30", "resp": 1.0149008000563637 }, { "operator": "multiply", "arg_1": "#2", "arg_2": "300", "resp": 304.47024001690914 }, { "operator": "subtract", "arg_1": "#3", "arg_2": "300", "resp": 4.470240016909145 }, { "operator": "greater", "arg_1": "#4", "arg_2": "5", "resp": "FALSE" } ], "program": [ "divide(0.18, 365)", "add(#0, 1)", "exponent(#1, 30)", "multiply(#2, 300)", "subtract(#3, 300)", "greater(#4, 5)" ], "question_tense": "THIRD", "financial_terms": [ "CASH ADVANCE APR", "CASH ADVANCE FEE", "DAILY COMPOUNDING", "INTEREST ACCRUAL", "PAYMENT DUE DATE", "DAILY COMPOUNDING INTEREST", "THIRTY-DAY INTEREST", "DAY COUNT CALCULATION", "365-DAY RATE BASIS", "EXPONENTIAL INTEREST CALCULATION" ], "credit_card": "nfcu_573CC_3-24-461850.md" }, { "question": "A customer makes a purchase of $1000 at a purchase APR of 17%. If they don't make any payments, how many months can pass for the accumulated interest to stay below $75?", "ground_truth": "0", "output_units": "month", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "150", "arg_2": "3000", "resp": 0.05 }, { "operator": "add", "arg_1": "1", "arg_2": "#0", "resp": 1.05 }, { "operator": "ln", "arg_1": "#1", "arg_2": "1", "resp": 0.04879016416943205 }, { "operator": "ln", "arg_1": "17", "arg_2": "1", "resp": 2.833213344056216 }, { "operator": "divide", "arg_1": "#2", "arg_2": "#3", "resp": 0.01722078722796809 }, { "operator": "multiply", "arg_1": "#4", "arg_2": "12", "resp": 0.20664944673561708 }, { "operator": "floor", "arg_1": "#5", "arg_2": "1", "resp": 0 } ], "program": [ "divide(150, 3000)", "add(1, #0)", "ln(#1, 1)", "ln(17, 1)", "divide(#2, #3)", "multiply(#4, 12)", "floor(#5, 1)" ], "question_tense": "THIRD", "financial_terms": [ "PURCHASE APR", "PAYOFF TIME", "ROUND-DOWN RULE", "LOGARITHMIC PAYOFF CALCULATION", "CHASE CARD TERMS" ], "credit_card": "Visa Agreement (for in-branch offers).pdf-255597.md" }, { "question": "If my balance transfer (ignoring the balance transfer fee) has accumulated an interest of 10%, has it been left unpaid for more than 6 months?", "ground_truth": "FALSE", "output_units": "binary", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 1, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 1, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "0.05614", "arg_2": "100", "resp": 0.0005614 }, { "operator": "add", "arg_1": "1", "arg_2": "#0", "resp": 1.0005614 }, { "operator": "divide", "arg_1": "10", "arg_2": "100", "resp": 0.1 }, { "operator": "add", "arg_1": "1", "arg_2": "#2", "resp": 1.1 }, { "operator": "ln", "arg_1": "#3", "resp": 0.09531017980432493 }, { "operator": "ln", "arg_1": "#1", "resp": 0.0005612424739740285 }, { "operator": "divide", "arg_1": "#4", "arg_2": "#5", "resp": 169.81996948565836 }, { "operator": "divide", "arg_1": "#6", "arg_2": "30", "resp": 5.660665649521945 }, { "operator": "greater", "arg_1": "#7", "arg_2": "6", "resp": "FALSE" } ], "program": [ "divide(0.05614, 100)", "add(1, #0)", "divide(10, 100)", "add(1, #2)", "ln(#3)", "ln(#1)", "divide(#4, #5)", "divide(#6, 30)", "greater(#7, 6)" ], "question_tense": "FIRST", "financial_terms": [ "DAILY PERIODIC RATE", "BALANCE TRANSFER APR", "BALANCE TRANSFER FEE", "ACCOUNT BALANCE", "LOGARITHMIC PAYOFF CALCULATION" ], "credit_card": "CostcoAnywhereVisa.md" }, { "question": "If I have a balance of 50 dollars on my credit card, does the late fee have a greater impact than the purchase APR of 24%? Let my payments be 62.5% of maximum fee for first 6 months, and 87.5% of maximum after?", "ground_truth": "TRUE", "output_units": "binary", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "add", "arg_1": "50", "arg_2": "0", "resp": 50.0 }, { "operator": "add", "arg_1": "40", "arg_2": "0", "resp": 40.0 }, { "operator": "add", "arg_1": "0.625", "arg_2": "0", "resp": 0.625 }, { "operator": "multiply", "arg_1": "#1", "arg_2": "#2", "resp": 25.0 }, { "operator": "divide", "arg_1": "#3", "arg_2": "#0", "resp": 0.5 }, { "operator": "multiply", "arg_1": "#4", "arg_2": "100", "resp": 50.0 }, { "operator": "add", "arg_1": "24", "arg_2": "0", "resp": 24.0 }, { "operator": "divide", "arg_1": "#6", "arg_2": "12", "resp": 2.0 }, { "operator": "divide", "arg_1": "#7", "arg_2": "100", "resp": 0.02 }, { "operator": "multiply", "arg_1": "#0", "arg_2": "#8", "resp": 1.0 }, { "operator": "divide", "arg_1": "#9", "arg_2": "#0", "resp": 0.02 }, { "operator": "multiply", "arg_1": "#10", "arg_2": "100", "resp": 2.0 }, { "operator": "greater", "arg_1": "#5", "arg_2": "#11", "resp": "TRUE" }, { "operator": "if", "arg_1": "#12", "arg_2": "Yes", "resp": "TRUE" } ], "program": [ "add(50, 0)", "add(40, 0)", "add(0.625, 0)", "multiply(#1, #2)", "divide(#3, #0)", "multiply(#4, 100)", "add(24, 0)", "divide(#6, 12)", "divide(#7, 100)", "multiply(#0, #8)", "divide(#9, #0)", "multiply(#10, 100)", "greater(#5, #11)", "if(#12, Yes)" ], "question_tense": "FIRST", "financial_terms": [ "PURCHASE APR", "LATE PAYMENT FEE", "ACCOUNT BALANCE", "CONDITIONAL FINANCIAL RULE", "CHASE CARD TERMS", "PERCENTAGE-BASED FEE" ], "credit_card": "Starbucks Rewards Visa Signature Agreement.pdf-255606.md" }, { "question": "If the daily compounding interest owed on a chase loan plan balance of $200 at an APR of 12% is $80.99, how many months has the balance been outstanding? Round to the nearest whole number of years?", "ground_truth": "3", "output_units": "year", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "80.99", "arg_2": "200", "resp": 0.40495 }, { "operator": "add", "arg_1": "1", "arg_2": "#0", "resp": 1.40495 }, { "operator": "divide", "arg_1": "12", "arg_2": "36500", "resp": 0.00032876712328767124 }, { "operator": "add", "arg_1": "1", "arg_2": "#2", "resp": 1.0003287671232877 }, { "operator": "ln", "arg_1": "#1", "arg_2": "1", "resp": 0.3400017149638579 }, { "operator": "ln", "arg_1": "#3", "arg_2": "1", "resp": 0.00032871309121930875 }, { "operator": "divide", "arg_1": "#4", "arg_2": "#5", "resp": 1034.3418745589834 }, { "operator": "divide", "arg_1": "#6", "arg_2": "365", "resp": 2.833813354956119 }, { "operator": "round", "arg_1": "#7", "arg_2": "0", "resp": 3 } ], "program": [ "divide(80.99, 200)", "add(1, #0)", "divide(12, 36500)", "add(1, #2)", "ln(#1, 1)", "ln(#3, 1)", "divide(#4, #5)", "divide(#6, 365)", "round(#7, 0)" ], "question_tense": "THIRD", "financial_terms": [ "PAYMENT PLAN", "ACCOUNT BALANCE", "DAILY COMPOUNDING", "PAYOFF TIME", "DAILY COMPOUNDING INTEREST", "LOAN REPAYMENT", "ROUNDING RULE", "365-DAY RATE BASIS", "LOGARITHMIC PAYOFF CALCULATION", "CHASE CARD TERMS", "INTEREST OWED" ], "credit_card": "Visa Agreement (for in-branch offers).pdf-255597.md" }, { "question": "If the daily compounding interest owed on a purchase balance of $1000 at an APR of 18% is $643, how long has the balance been outstanding (in years)? Round to two decimal places?", "ground_truth": "2.76", "output_units": "year", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "643", "arg_2": "1000", "resp": 0.643 }, { "operator": "add", "arg_1": "1", "arg_2": "#0", "resp": 1.643 }, { "operator": "divide", "arg_1": "18", "arg_2": "36500", "resp": 0.0004931506849315068 }, { "operator": "add", "arg_1": "1", "arg_2": "#2", "resp": 1.0004931506849315 }, { "operator": "ln", "arg_1": "#1", "arg_2": "1", "resp": 0.49652383905513103 }, { "operator": "ln", "arg_1": "#3", "arg_2": "1", "resp": 0.0004930291260953809 }, { "operator": "divide", "arg_1": "#4", "arg_2": "#5", "resp": 1007.0882484923904 }, { "operator": "divide", "arg_1": "#6", "arg_2": "365", "resp": 2.7591458862805216 }, { "operator": "round", "arg_1": "#7", "arg_2": "2", "resp": 2.76 } ], "program": [ "divide(643, 1000)", "add(1, #0)", "divide(18, 36500)", "add(1, #2)", "ln(#1, 1)", "ln(#3, 1)", "divide(#4, #5)", "divide(#6, 365)", "round(#7, 2)" ], "question_tense": "THIRD", "financial_terms": [ "PURCHASE APR", "ACCOUNT BALANCE", "DAILY COMPOUNDING", "PAYOFF TIME", "DAILY COMPOUNDING INTEREST", "ROUNDING RULE", "365-DAY RATE BASIS", "LOGARITHMIC PAYOFF CALCULATION", "CHASE CARD TERMS", "INTEREST OWED" ], "credit_card": "Visa Agreement (for in-branch offers).pdf-255597.md" }, { "question": "Irene wants to save up $15,000 for a down payment on a house as soon as possible. She earns $12,000 per month, but spends $4,500 on rent, $5,000 on other purchases using her card, and saves the remaining amount. She also has an outstanding late payment of $2,500 and has been charged the maximum late payment fee. How many months will it take for Jessica to reach her savings goal assuming she has a direct deposit with Navy Federal?", "ground_truth": "5", "output_units": "month", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 5, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 6, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "subtract", "arg_1": "12000", "arg_2": "4500", "resp": 7500 }, { "operator": "subtract", "arg_1": "#0", "arg_2": "5000", "resp": 2500 }, { "operator": "add", "arg_1": "2500", "arg_2": "20", "resp": 2520 }, { "operator": "multiply", "arg_1": "5000", "arg_2": "0.0175", "resp": 87.50000000000001 }, { "operator": "add", "arg_1": "#1", "arg_2": "#3", "resp": 2587.5 }, { "operator": "subtract", "arg_1": "15000", "arg_2": "#2", "resp": 12480 }, { "operator": "divide", "arg_1": "#5", "arg_2": "#4", "resp": 4.823188405797102 }, { "operator": "ceil", "arg_1": "#6", "arg_2": "1", "resp": 5 } ], "program": [ "subtract(12000, 4500)", "subtract(#0, 5000)", "add(2500, 20)", "multiply(5000, 0.0175)", "add(#1, #3)", "subtract(15000, #2)", "divide(#5, #4)", "ceil(#6, 1)" ], "question_tense": "THIRD", "financial_terms": [ "PURCHASE TRANSACTION", "DIRECT DEPOSIT", "LATE PAYMENT FEE", "PAYOFF TIME", "MONTHLY PAYMENT", "ROUND-UP RULE", "CHASE CARD TERMS", "NAVY FEDERAL CARD TERMS", "MONTHLY FEE", "DIRECT DEPOSIT FEE" ], "credit_card": "nfcu_573CC_3-24-461850.md" }, { "question": "If I have $3,000 balance on my credit card with an APR of 19.24% and I make monthly payments of $250, how many months will it take to pay off the balance completely, assuming no additional charges?", "ground_truth": "13.4343193214", "output_units": "month", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "19.24", "arg_2": "100", "resp": 0.1924 }, { "operator": "divide", "arg_1": "#0", "arg_2": "12", "resp": 0.016033333333333333 }, { "operator": "multiply", "arg_1": "#1", "arg_2": "3000", "resp": 48.1 }, { "operator": "subtract", "arg_1": "250", "arg_2": "#2", "resp": 201.9 }, { "operator": "divide", "arg_1": "250", "arg_2": "#3", "resp": 1.2382367508667658 }, { "operator": "ln", "arg_1": "#4", "arg_2": "1", "resp": 0.21368839254345465 }, { "operator": "add", "arg_1": "1", "arg_2": "#1", "resp": 1.0160333333333333 }, { "operator": "ln", "arg_1": "#6", "arg_2": "1", "resp": 0.01590615701705654 }, { "operator": "divide", "arg_1": "#5", "arg_2": "#7", "resp": 13.434319321399357 } ], "program": [ "divide(19.24, 100)", "divide(#0, 12)", "multiply(#1, 3000)", "subtract(250, #2)", "divide(250, #3)", "ln(#4, 1)", "add(1, #1)", "ln(#6, 1)", "divide(#5, #7)" ], "question_tense": "FIRST", "financial_terms": [ "PURCHASE APR", "ACCOUNT BALANCE", "PAYOFF TIME", "MONTHLY PAYMENT", "BALANCE PAYOFF", "LOGARITHMIC PAYOFF CALCULATION" ], "credit_card": "US_Bank_Elan_Financial.md" }, { "question": "The cardholder has $6000 principal balance, and can pay $500 a month. There is a 16% APR. How many months will it take to pay this off?", "ground_truth": "14", "output_units": "month", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "0.16", "arg_2": "12", "resp": 0.013333333333333334 }, { "operator": "add", "arg_1": "1", "arg_2": "#0", "resp": 1.0133333333333334 }, { "operator": "log10", "arg_1": "#1", "resp": 0.0057523288890913415 }, { "operator": "multiply", "arg_1": "#0", "arg_2": "6000", "resp": 80.0 }, { "operator": "subtract", "arg_1": "500", "arg_2": "#3", "resp": 420.0 }, { "operator": "divide", "arg_1": "500", "arg_2": "#4", "resp": 1.1904761904761905 }, { "operator": "log10", "arg_1": "#5", "resp": 0.07572071393811834 }, { "operator": "divide", "arg_1": "#6", "arg_2": "#2", "resp": 13.16348828414772 }, { "operator": "ceil", "arg_1": "#7", "resp": 14 } ], "program": [ "divide(0.16, 12)", "add(1, #0)", "log10(#1)", "multiply(#0, 6000)", "subtract(500, #3)", "divide(500, #4)", "log10(#5)", "divide(#6, #2)", "ceil(#7)" ], "question_tense": "THIRD", "financial_terms": [ "PAYOFF TIME", "PRINCIPAL REDUCTION", "ROUND-UP RULE", "LOGARITHMIC PAYOFF CALCULATION" ], "credit_card": "GAPPrivateLabel_combined.md" }, { "question": "The cardholder makes $2000 purchase that qualifies for an easy pay offer. In scenario A, there is a projected interest of $20. In scenario B, there is a projected interest of $25. If the easy pay offer term is 2 months, which scenario would result in a lower monthly interest paid?", "ground_truth": "Scenario A", "output_units": "categorical", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 1, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 1, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "add", "arg_1": "2000", "arg_2": "20", "resp": 2020 }, { "operator": "divide", "arg_1": "#0", "arg_2": "2", "resp": 1010 }, { "operator": "add", "arg_1": "2000", "arg_2": "25", "resp": 2025 }, { "operator": "divide", "arg_1": "#2", "arg_2": "2", "resp": 1012.5 }, { "operator": "less", "arg_1": "#1", "arg_2": "#3", "resp": "TRUE" }, { "operator": "if", "arg_1": "#4", "arg_2": "Scenario A", "arg_3": "Scenario B", "resp": "Scenario A" } ], "program": [ "add(2000, 20)", "divide(#0, 2)", "add(2000, 25)", "divide(#2, 2)", "less(#1, #3)", "if(#4, Scenario A, Scenario B)" ], "question_tense": "THIRD", "financial_terms": [ "PURCHASE APR", "PAYMENT PLAN", "PAYOFF TIME", "EASY PAY APR", "BALANCE PAYOFF", "CONDITIONAL FINANCIAL RULE", "CHASE CARD TERMS" ], "credit_card": "GAPPrivateLabel_combined.md" }, { "question": "Suppose Discover Near Prime has different late payment policies based on credit score tiers. Basic Tier (<= 600 credit score) has $40 Late Fee for first offense. Standard Tier (<= 750 credit score) has $29 Late Fee for first offense. Premium Tier (> 750 credit score) has $0 Late Fee for first offense If a cardholder with a credit score of 710 misses a payment for the first time, what late fee will they be charged?", "ground_truth": "29.00", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 1 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 1 } }, "steps": [ { "operator": "less_equal", "arg_1": 710, "arg_2": 600, "resp": "FALSE" }, { "operator": "less_equal", "arg_1": 710, "arg_2": 750, "resp": "TRUE" }, { "operator": "if", "arg_1": "#1", "arg_2": 29, "resp": 29 } ], "program": [ "less_equal(710, 600)", "less_equal(710, 750)", "if(#1, 29)" ], "question_tense": "THIRD", "financial_terms": [ "LATE PAYMENT FEE", "CREDIT TIER", "FIRST-OCCURRENCE FEE RULE", "CREDIT-SCORE APR TIER", "CONDITIONAL FINANCIAL RULE", "DISCOVER CARD TERMS" ], "credit_card": "Discover Near Prime Cardmember Agreement_061824-255535.md" }, { "question": "How much extra money do I accumulate in interest + fees over the course of 25 days if I take out $700 cash advance ? Assume that I will pay the upper bound of DPR specified in the credit card agreement?", "ground_truth": "50.25", "output_units": "$", "input_units": { "from_doc": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 1, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 1, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "5", "arg_2": "100", "resp": 0.05 }, { "operator": "multiply", "arg_1": "700", "arg_2": "#0", "resp": 35 }, { "operator": "max", "arg_1": "10", "arg_2": "#1", "resp": 35 }, { "operator": "add", "arg_1": "700", "arg_2": "#2", "resp": 735 }, { "operator": "divide", "arg_1": "0.08217", "arg_2": "100", "resp": 0.0008217 }, { "operator": "add", "arg_1": "1", "arg_2": "#4", "resp": 1.0008217 }, { "operator": "exponent", "arg_1": "#5", "arg_2": "25", "resp": 1.0207460702466078 }, { "operator": "multiply", "arg_1": "#3", "arg_2": "#6", "resp": 750.2483586312568 }, { "operator": "subtract", "arg_1": "#7", "arg_2": "700", "resp": 50.2483586312568 }, { "operator": "round", "arg_1": "#8", "arg_2": "2", "resp": 50.25 } ], "program": [ "divide(5, 100)", "multiply(700, #0)", "max(10, #1)", "add(700, #2)", "divide(0.08217, 100)", "add(1, #4)", "exponent(#5, 25)", "multiply(#3, #6)", "subtract(#7, 700)", "round(#8, 2)" ], "question_tense": "THIRD", "financial_terms": [ "DAILY PERIODIC RATE", "CASH ADVANCE APR", "CASH ADVANCE FEE", "ROUNDING RULE", "MAXIMUM SELECTION", "EXPONENTIAL INTEREST CALCULATION" ], "credit_card": "Starbucks Rewards Visa Signature Agreement.pdf-255606.md" }, { "question": "The cardholder is an Iowa resident and have a balance of $120, with a minimum payment of $14. The cardholder's payment is returned, and the fee is applied. If the cardholder can only pay $60 a month, how many months will it take to pay off the balance?", "ground_truth": "3", "output_units": "month", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 4, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "min", "arg_1": "14", "arg_2": "15", "resp": 14 }, { "operator": "add", "arg_1": "120", "arg_2": "#0", "resp": 134.0 }, { "operator": "divide", "arg_1": "#1", "arg_2": "60", "resp": 2.2333333333 }, { "operator": "ceil", "arg_1": "#2", "resp": 3 } ], "program": [ "min(14, 15)", "add(120, #0)", "divide(#1, 60)", "ceil(#2)" ], "question_tense": "THIRD", "financial_terms": [ "RETURNED PAYMENT FEE", "MINIMUM PAYMENT", "ACCOUNT BALANCE", "PAYOFF TIME", "MINIMUM FEE RULE", "STATE-SPECIFIC RATE CAP", "MINIMUM PAYMENT FORMULA", "BALANCE PAYOFF", "ROUND-UP RULE", "MINIMUM SELECTION", "STATE-SPECIFIC FEE RULE" ], "credit_card": "GAPPrivateLabel_combined.md" }, { "question": "A customer makes a payment on their card of $500, which is later charged a return payment fee. 4 months ago the customer was late on their minimum payment by 15 days. The customer hasn't missed a payment or had a return payment prior to this within the previous 6 month period. How much will they owe in returned payment fees this time?", "ground_truth": "29.00", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 1, "day": 1, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 1, "day": 1, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 2, "day": 2, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "less", "arg_1": "4", "arg_2": "6", "resp": "TRUE" }, { "operator": "less", "arg_1": "15", "arg_2": "60", "resp": "TRUE" }, { "operator": "if", "arg_1": "#1", "arg_2": "29, 40", "resp": 29 }, { "operator": "if", "arg_1": "#0", "arg_2": "#2, 29", "resp": 29 } ], "program": [ "less(4, 6)", "less(15, 60)", "if(#1, 29, 40)", "if(#0, #2, 29)" ], "question_tense": "THIRD", "financial_terms": [ "LATE PAYMENT", "RETURNED PAYMENT FEE", "MINIMUM PAYMENT", "MINIMUM FEE RULE", "MINIMUM PAYMENT FORMULA", "CONDITIONAL FINANCIAL RULE" ], "credit_card": "Visa Agreement (for in-branch offers).pdf-255597.md" }, { "question": "I just got a letter in the mail about a card I stopped using with a balance of $2000 at the time reaching the arbitration limit. How many years ago did I stop using the card if I only consider accumulating interest at the max rate (not considering fees like late payment fee)?", "ground_truth": 12, "output_units": "year", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "75000", "arg_2": "2000", "resp": 37.5 }, { "operator": "add", "arg_1": "1", "arg_2": "#0", "resp": 38.5 }, { "operator": "divide", "arg_1": "29.99", "arg_2": "36500", "resp": 0.0008216438356164383 }, { "operator": "add", "arg_1": "1", "arg_2": "#2", "resp": 1.0008216438356163 }, { "operator": "ln", "arg_1": "#1", "resp": 3.650658241 }, { "operator": "ln", "arg_1": "#3", "resp": 0.000821374 }, { "operator": "divide", "arg_1": "#4", "arg_2": "#5", "resp": 4444.6 }, { "operator": "divide", "arg_1": "#6", "arg_2": "365", "resp": 12.177 }, { "operator": "round", "arg_1": "#7", "arg_2": "0", "resp": 12.0 } ], "program": [ "divide(75000, 2000)", "add(1, #0)", "divide(29.99, 36500)", "add(1, #2)", "ln(#1)", "ln(#3)", "divide(#4, #5)", "divide(#6, 365)", "round(#7, 0)" ], "question_tense": "FIRST", "financial_terms": [ "LATE PAYMENT FEE", "ACCOUNT BALANCE", "ARBITRATION AWARD", "ROUNDING RULE", "365-DAY RATE BASIS", "LOGARITHMIC PAYOFF CALCULATION", "CUMULATIVE FEE TOTAL" ], "credit_card": "CostcoAnywhereVisa.md" }, { "question": "Using the Discovery Near Prime credit card purchase dissatisfaction clause, suppose I made 3 purchases of product A, product B, and product C. Accordingly, I have tried the products in good faith and were purchased in my home state. However, assume that the only thing remaining is to check the price of each product before the credit card company guarantees a refund to the card holder. If product A was worth $10, product B was worth $39.99 and product C was worth $50.0000000001, which of these products would be eligible for the refund?", "ground_truth": "Product C", "output_units": "categorical", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 3 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 4, "binary": 0, "categorical": 3 } }, "steps": [ { "operator": "greater", "arg_1": 10, "arg_2": 50, "resp": "FALSE" }, { "operator": "greater", "arg_1": 39.99, "arg_2": 50, "resp": "FALSE" }, { "operator": "greater", "arg_1": 50.0000000001, "arg_2": 50, "resp": "TRUE" }, { "operator": "if", "arg_1": "#2", "arg_2": "Product C", "resp": "Product C" } ], "program": [ "greater(10, 50)", "greater(39.99, 50)", "greater(50.0000000001, 50)", "if(#2, Product C)" ], "question_tense": "FIRST", "financial_terms": [ "PURCHASE TRANSACTION", "RETURNED PAYMENT", "FEE REFUND", "CONDITIONAL FINANCIAL RULE", "DISCOVER CARD TERMS", "CHASE CARD TERMS" ], "credit_card": "Discover Near Prime Cardmember Agreement_061824-255535.md" }, { "question": "The cardholder is an Iowa resident, and have a minimum payment of $10, but are late. Can the cardholder pays off the minimum payment along with the late fee if the cardholder only have $20?", "ground_truth": "TRUE", "output_units": "binary", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "min", "arg_1": "10", "arg_2": "15", "resp": 10 }, { "operator": "add", "arg_1": "10", "arg_2": "#0", "resp": 20 }, { "operator": "greater_equal", "arg_1": "20", "arg_2": "#1", "resp": "TRUE" } ], "program": [ "min(10, 15)", "add(10, #0)", "greater_equal(20, #1)" ], "question_tense": "THIRD", "financial_terms": [ "LATE PAYMENT FEE", "MINIMUM PAYMENT", "PAYOFF TIME", "MINIMUM FEE RULE", "STATE-SPECIFIC RATE CAP", "MINIMUM PAYMENT FORMULA", "BALANCE PAYOFF", "MINIMUM SELECTION", "STATE-SPECIFIC FEE RULE" ], "credit_card": "GAPPrivateLabel_combined.md" }, { "question": "Assume I have card company A which charges $10 processing fee and card company B which charges $12 processing fee. Furthermore, assume that these processing fees are only incurred if they contribute less than 20% of the convenience check amount. If I have $10,000 convenience check, will these processing fees occur for both card companies?", "ground_truth": "TRUE", "output_units": "binary", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": 10000, "arg_2": 0.2, "resp": 2000 }, { "operator": "greater", "arg_1": "#0", "arg_2": 10, "resp": "TRUE" }, { "operator": "greater", "arg_1": "#0", "arg_2": 12, "resp": "TRUE" }, { "operator": "min", "arg_1": "#1", "arg_2": "#2", "resp": "TRUE" }, { "operator": "if", "arg_1": "#3", "arg_2": "Yes", "resp": "TRUE" } ], "program": [ "multiply(10000, 0.2)", "greater(#0, 10)", "greater(#0, 12)", "min(#1, #2)", "if(#3, Yes)" ], "question_tense": "THIRD", "financial_terms": [ "CONVENIENCE CHECK", "CHECK CASH ADVANCE", "MINIMUM SELECTION", "CONDITIONAL FINANCIAL RULE", "PERCENTAGE-BASED FEE" ], "credit_card": "Discover Near Prime Cardmember Agreement_061824-255535.md" }, { "question": "The cardholder takes a cash advance of $10 using the cardholder's card at a domestic local bank that the cardholder does not usually go to. Assume the highest APR from the card agreement. If the cardholder wait until the total interest accrued equals the original cash advance fee, how many days does the cardholder wait before making a full repayment?", "ground_truth": "99", "output_units": "day", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "0.18", "arg_2": "365", "resp": 0.0004931506849 }, { "operator": "add", "arg_1": "0.50", "arg_2": "10", "resp": 10.5 }, { "operator": "divide", "arg_1": "#1", "arg_2": "10", "resp": 1.05 }, { "operator": "ln", "arg_1": "#2", "arg_2": "1", "resp": 0.0487901642 }, { "operator": "add", "arg_1": "#0", "arg_2": "1", "resp": 1.0004931507 }, { "operator": "ln", "arg_1": "#4", "arg_2": "1", "resp": 0.000493028 }, { "operator": "divide", "arg_1": "#3", "arg_2": "#5", "resp": 99 } ], "program": [ "divide(0.18, 365)", "add(0.50, 10)", "divide(#1, 10)", "ln(#2, 1)", "add(#0, 1)", "ln(#4, 1)", "divide(#3, #5)" ], "question_tense": "THIRD", "financial_terms": [ "CASH ADVANCE APR", "CASH ADVANCE FEE", "INTEREST ACCRUAL", "PAYOFF TIME", "365-DAY RATE BASIS", "LOGARITHMIC PAYOFF CALCULATION" ], "credit_card": "nfcu_573CC_3-24-461850.md" }, { "question": "Matthew is a Navy Federal member and wants to apply for a cashRewards Credit Card. His annual income is $42,000, and his estimated credit limit is calculated as 10% of his annual income. However, he also has an auto loan balance of $2,000, which will reduce his approved credit limit by 5% of the loan balance. Is it true or false that Matthew will qualify for the Visa Signature version of the card?", "ground_truth": "FALSE", "output_units": "binary", "input_units": { "from_doc": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "42000", "arg_2": "0.10", "resp": 4200 }, { "operator": "multiply", "arg_1": "2000", "arg_2": "0.05", "resp": 100 }, { "operator": "subtract", "arg_1": "#0", "arg_2": "#1", "resp": 4100 }, { "operator": "greater_equal", "arg_1": "#2", "arg_2": "5000", "resp": "FALSE" }, { "operator": "if", "arg_1": "#3", "arg_2": "\"Yes\", \"No\"", "resp": "FALSE" } ], "program": [ "multiply(42000, 0.10)", "multiply(2000, 0.05)", "subtract(#0, #1)", "greater_equal(#2, 5000)", "if(#3, \"Yes\", \"No\")" ], "question_tense": "THIRD", "financial_terms": [ "CREDIT LIMIT", "REWARDS", "TRUE FALSE FINANCIAL RULE", "LOAN REPAYMENT", "CONDITIONAL FINANCIAL RULE", "NAVY FEDERAL CARD TERMS", "PERCENTAGE-BASED FEE" ], "credit_card": "nfcu_573CC_3-24-461850.md" }, { "question": "If I take out a cash advance and leave it unpaid for 22 days, at least how much extra of the cash advance have I accumulated? Answer as a percent rounded to the hundredths place of the orignial cash advance amount. Assume that I will pay the upper bound of DPR specified in the credit card agreement?", "ground_truth": "6.91%", "output_units": "%", "input_units": { "from_doc": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 1, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 1, "year": 0, "$": 0, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "5", "arg_2": "100", "resp": 0.05 }, { "operator": "add", "arg_1": "1", "arg_2": "#0", "resp": 1.05 }, { "operator": "divide", "arg_1": "0.08217", "arg_2": "100", "resp": 0.0008217 }, { "operator": "add", "arg_1": "1", "arg_2": "#2", "resp": 1.0008217 }, { "operator": "exponent", "arg_1": "#3", "arg_2": "22", "resp": 1.018234893160131 }, { "operator": "multiply", "arg_1": "#4", "arg_2": "#1", "resp": 1.0691459381809139 }, { "operator": "subtract", "arg_1": "#5", "arg_2": "1", "resp": 0.06914593818091384 }, { "operator": "multiply", "arg_1": "#6", "arg_2": "100", "resp": 6.914593818091384 }, { "operator": "round", "arg_1": "#7", "arg_2": "2", "resp": 6.91 } ], "program": [ "divide(5, 100)", "add(1, #0)", "divide(0.08217, 100)", "add(1, #2)", "exponent(#3, 22)", "multiply(#4, #1)", "subtract(#5, 1)", "multiply(#6, 100)", "round(#7, 2)" ], "question_tense": "FIRST", "financial_terms": [ "DAILY PERIODIC RATE", "CASH ADVANCE", "ROUNDING RULE", "EXPONENTIAL INTEREST CALCULATION" ], "credit_card": "Starbucks Rewards Visa Signature Agreement.pdf-255606.md" }, { "question": "On $750 purchase and a purchase APR of 12.5%, how much interest will be owed after 3 months? Assume there is no minimum charge, there is no other interest accumulated except purchase APR, and the interest is compounded daily. Round the answer to two decimal places while also assuming there is an average of 30 days per month?", "ground_truth": "23.47", "output_units": "$", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 1, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 1, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "12.5", "arg_2": "36500", "resp": 0.00034246575342465754 }, { "operator": "multiply", "arg_1": "3", "arg_2": "30", "resp": 90 }, { "operator": "add", "arg_1": "1", "arg_2": "#0", "resp": 1.0003424657534248 }, { "operator": "exponent", "arg_1": "#2", "arg_2": "#1", "resp": 1.0312917956845262 }, { "operator": "subtract", "arg_1": "#3", "arg_2": "1", "resp": 0.03129179568452623 }, { "operator": "multiply", "arg_1": "750", "arg_2": "#4", "resp": 23.468846763394676 }, { "operator": "round", "arg_1": "#5", "arg_2": "2", "resp": 23.47 } ], "program": [ "divide(12.5, 36500)", "multiply(3, 30)", "add(1, #0)", "exponent(#2, #1)", "subtract(#3, 1)", "multiply(750, #4)", "round(#5, 2)" ], "question_tense": "THIRD", "financial_terms": [ "PURCHASE APR", "DAILY COMPOUNDING", "INTEREST ACCRUAL", "MINIMUM FEE RULE", "DAILY COMPOUNDING INTEREST", "THIRTY-DAY INTEREST", "MONTHLY PAYMENT", "ROUNDING RULE", "365-DAY RATE BASIS", "EXPONENTIAL INTEREST CALCULATION", "CHASE CARD TERMS" ], "credit_card": "Visa Agreement (for in-branch offers).pdf-255597.md" }, { "question": "How much extra would I accumulate on $2000 purchase over the course of 20 days if I was considered a risky borrower compared to if I was not a risky borrower?", "ground_truth": "10.55", "output_units": "$", "input_units": { "from_doc": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 1, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 1, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "29.99", "arg_2": "36500", "resp": 0.0008216438356164384 }, { "operator": "divide", "arg_1": "20.49", "arg_2": "36500", "resp": 0.0005613698630136986 }, { "operator": "add", "arg_1": "1", "arg_2": "#0", "resp": 1.0008216438356163 }, { "operator": "add", "arg_1": "1", "arg_2": "#1", "resp": 1.0005613698630138 }, { "operator": "exponent", "arg_1": "#2", "arg_2": "20", "resp": 1.016561 }, { "operator": "exponent", "arg_1": "#3", "arg_2": "20", "resp": 1.011287 }, { "operator": "subtract", "arg_1": "#4", "arg_2": "#5", "resp": 0.005274 }, { "operator": "multiply", "arg_1": "#6", "arg_2": "2000", "resp": 10.548 }, { "operator": "round", "arg_1": "#7", "arg_2": "2", "resp": 10.55 } ], "program": [ "divide(29.99, 36500)", "divide(20.49, 36500)", "add(1, #0)", "add(1, #1)", "exponent(#2, 20)", "exponent(#3, 20)", "subtract(#4, #5)", "multiply(#6, 2000)", "round(#7, 2)" ], "question_tense": "FIRST", "financial_terms": [ "PENALTY APR", "PURCHASE TRANSACTION", "CREDIT TIER", "RISK-BASED APR", "ROUNDING RULE", "365-DAY RATE BASIS", "EXPONENTIAL INTEREST CALCULATION", "CHASE CARD TERMS" ], "credit_card": "CostcoAnywhereVisa.md" }, { "question": "How much extra would I accumulate on $2000 purchase over the course of 20 days if I was considered a ricky borrower compared to if I was not a risky borrower?", "ground_truth": "11.10", "output_units": "$", "input_units": { "from_doc": { "$": 0, "%": 2, "month": 0, "day": 0, "year": 0, "binary": 0, "categorical": 0 }, "from_user": { "$": 1, "%": 0, "month": 0, "day": 1, "year": 0, "binary": 0, "categorical": 0 }, "total": { "$": 1, "%": 2, "month": 0, "day": 1, "year": 0, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "29.99", "arg_2": "36500", "resp": 0.0008216438356164383 }, { "operator": "add", "arg_1": "1", "arg_2": "#0", "resp": 1.0008216438356166 }, { "operator": "exponent", "arg_1": "#1", "arg_2": "20", "resp": 1.0165613955429698 }, { "operator": "divide", "arg_1": "19.99", "arg_2": "36500", "resp": 0.0005476712328767123 }, { "operator": "add", "arg_1": "1", "arg_2": "#3", "resp": 1.0005476712328767 }, { "operator": "exponent", "arg_1": "#4", "arg_2": "20", "resp": 1.011010217217518 }, { "operator": "subtract", "arg_1": "#2", "arg_2": "#5", "resp": 0.005551178325451692 }, { "operator": "multiply", "arg_1": "2000", "arg_2": "#6", "resp": 11.102356650903385 }, { "operator": "round", "arg_1": "#7", "arg_2": "2", "resp": 11.1 } ], "program": [ "divide(29.99, 36500)", "add(1, #0)", "exponent(#1, 20)", "divide(19.99, 36500)", "add(1, #3)", "exponent(#4, 20)", "subtract(#2, #5)", "multiply(2000, #6)", "round(#7, 2)" ], "question_tense": "FIRST", "financial_terms": [ "PENALTY APR", "PURCHASE TRANSACTION", "CREDIT TIER", "RISK-BASED APR", "ROUNDING RULE", "365-DAY RATE BASIS", "EXPONENTIAL INTEREST CALCULATION", "CHASE CARD TERMS" ], "credit_card": "Starbucks Rewards Visa Signature Agreement.pdf-255606.md" }, { "question": "On $100 purchase and a purchase APR of 19.24%, how much interest will be owed after 3 years assume? Assume there is no minimum charge, there is no other interest accumulated except purchase APR, and the interest is compounded daily. Round the answer to the nearest whole number of dollars?", "ground_truth": "78.00", "output_units": "$", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 1, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 1, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "19.24", "arg_2": "36500", "resp": 0.0005271232876712329 }, { "operator": "multiply", "arg_1": "3", "arg_2": "365", "resp": 1095 }, { "operator": "add", "arg_1": "1", "arg_2": "#0", "resp": 1.0005271232876713 }, { "operator": "exponent", "arg_1": "#2", "arg_2": "#1", "resp": 1.780773687305258 }, { "operator": "subtract", "arg_1": "#3", "arg_2": "1", "resp": 0.780773687305258 }, { "operator": "multiply", "arg_1": "100", "arg_2": "#4", "resp": 78.07736873052579 }, { "operator": "round", "arg_1": "#5", "arg_2": "0", "resp": 78 } ], "program": [ "divide(19.24, 36500)", "multiply(3, 365)", "add(1, #0)", "exponent(#2, #1)", "subtract(#3, 1)", "multiply(100, #4)", "round(#5, 0)" ], "question_tense": "THIRD", "financial_terms": [ "PURCHASE APR", "DAILY COMPOUNDING", "INTEREST ACCRUAL", "MINIMUM FEE RULE", "DAILY COMPOUNDING INTEREST", "ROUNDING RULE", "365-DAY RATE BASIS", "EXPONENTIAL INTEREST CALCULATION", "CHASE CARD TERMS" ], "credit_card": "Visa Agreement (for in-branch offers).pdf-255597.md" }, { "question": "Suppose a bank assigns different APRs for balance transfers based on credit score. Basic Tier (<= 600 credit score) gets 26.99% APR. Standard Tier (<= 750 credit score) gets 19.99% APR. Premium Tier (> 750 credit score) gets 14.99% APR. If a cardholder with a credit score of 710 transfers $5,000 to their credit card, what APR will they be charged?", "ground_truth": "19.99", "output_units": "%", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 3, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 3, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "less_equal", "arg_1": 710, "arg_2": 600, "resp": "FALSE" }, { "operator": "less_equal", "arg_1": 710, "arg_2": 750, "resp": "TRUE" }, { "operator": "if", "arg_1": "#1", "arg_2": 19.99, "resp": 19.99 }, { "operator": "if", "arg_1": "#0", "arg_2": 26.99, "resp": 19.99 } ], "program": [ "less_equal(710, 600)", "less_equal(710, 750)", "if(#1, 19.99)", "if(#0, 26.99)" ], "question_tense": "THIRD", "financial_terms": [ "BALANCE TRANSFER APR", "ACCOUNT BALANCE", "CREDIT TIER", "CREDIT-SCORE APR TIER", "CONDITIONAL FINANCIAL RULE" ], "credit_card": "Discover Near Prime Cardmember Agreement_061824-255535.md" }, { "question": "A bank assigns different APRs for purchases based on credit score. Basic Tier (<=600 credit score) gets 29.99% APR. Standard Tier (<= 750 credit score) gets 21.99% APR. Premium Tier (> 750 credit score) gets 16.99% APR. If a cardholder with a credit score of 710 makes $3,000 purchase on their credit card, what APR will they be charged?", "ground_truth": "21.99", "output_units": "%", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 3, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 2 }, "total": { "%": 3, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 2 } }, "steps": [ { "operator": "less_equal", "arg_1": 710, "arg_2": 600, "resp": "FALSE" }, { "operator": "less_equal", "arg_1": 710, "arg_2": 750, "resp": "TRUE" }, { "operator": "if", "arg_1": "#1", "arg_2": 21.99, "resp": 21.99 }, { "operator": "if", "arg_1": "#0", "arg_2": 29.99, "resp": 21.99 } ], "program": [ "less_equal(710, 600)", "less_equal(710, 750)", "if(#1, 21.99)", "if(#0, 29.99)" ], "question_tense": "THIRD", "financial_terms": [ "PURCHASE APR", "CREDIT TIER", "CREDIT-SCORE APR TIER", "CONDITIONAL FINANCIAL RULE", "CHASE CARD TERMS" ], "credit_card": "Discover Near Prime Cardmember Agreement_061824-255535.md" }, { "question": "A cardholder has a credit card with different APR rates for credit scores (Categorical: Excellent(1), Good(2), Fair(3), Poor(4)). If a person is good or excellent, they have a 22% APR for Cash Advances. With a fair credit score, they have a 25% APR for cash advances, and with poor credit, they have a 29.99% APR for cash advances. After a year, how much interest does a person with a fair credit score owe on $1000 cash advance? (Assume simple interest)?", "ground_truth": "250.00", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 3, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 1 }, "total": { "%": 3, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 1 } }, "steps": [ { "operator": "equal", "arg_1": "3", "arg_2": "3", "resp": "TRUE" }, { "operator": "less_equal", "arg_1": "3", "arg_2": "2", "resp": "FALSE" }, { "operator": "if", "arg_1": "#0", "arg_2": "0.25", "arg_3": "0.2999", "resp": 0.25 }, { "operator": "if", "arg_1": "#1", "arg_2": "0.22", "arg_3": "#2", "resp": 0.25 }, { "operator": "multiply", "arg_1": "#3", "arg_2": "1000", "resp": 250.0 } ], "program": [ "equal(3, 3)", "less_equal(3, 2)", "if(#0, 0.25, 0.2999)", "if(#1, 0.22, #2)", "multiply(#3, 1000)" ], "question_tense": "THIRD", "financial_terms": [ "CASH ADVANCE APR", "CREDIT TIER", "SIMPLE INTEREST", "CREDIT-SCORE APR TIER", "SIMPLE INTEREST CALCULATION", "CONDITIONAL FINANCIAL RULE" ], "credit_card": "US_Bank_Visa_Signature_and_World_Mastercard_Accounts.md" }, { "question": "I just got a letter in the mail about a card I stopped using with a balance of $2000 at the time reaching the arbitration limit. How many years ago did I stop using the card if I only consider accumulating interest at the max rate (not considering fees like late payment fee)?", "ground_truth": "5.0", "output_units": "year", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "10000", "arg_2": "2000", "resp": 5.0 }, { "operator": "divide", "arg_1": "29.99", "arg_2": "36500", "resp": 0.0008216438356164383 }, { "operator": "add", "arg_1": "1", "arg_2": "#1", "resp": 1.0008216438356163 }, { "operator": "ln", "arg_1": "#0", "arg_2": "1", "resp": 1.6094379124341003 }, { "operator": "ln", "arg_1": "#2", "arg_2": "1", "resp": 0.0008213068972033835 }, { "operator": "divide", "arg_1": "#3", "arg_2": "#4", "resp": 1959.6070030625542 }, { "operator": "divide", "arg_1": "#5", "arg_2": "365", "resp": 5.368786309760423 }, { "operator": "round", "arg_1": "#6", "arg_2": "0", "resp": 5.0 } ], "program": [ "divide(10000, 2000)", "divide(29.99, 36500)", "add(1, #1)", "ln(#0, 1)", "ln(#2, 1)", "divide(#3, #4)", "divide(#5, 365)", "round(#6, 0)" ], "question_tense": "FIRST", "financial_terms": [ "LATE PAYMENT FEE", "ACCOUNT BALANCE", "ARBITRATION AWARD", "ROUNDING RULE", "365-DAY RATE BASIS", "LOGARITHMIC PAYOFF CALCULATION", "CUMULATIVE FEE TOTAL" ], "credit_card": "Starbucks Rewards Visa Signature Agreement.pdf-255606.md" }, { "question": "Zach is travelling for business and has a budget of $5000 while abroad. He withdraws $2500 from a Navy Federal ATM and the other $2490 from a non-Navy Federal ATM. If he can only withdraw $500 at a time, is it true that he will stay within his $5000 budget?", "ground_truth": "TRUE", "output_units": "binary", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 4, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 5, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "2490", "arg_2": "500", "resp": 4.98 }, { "operator": "ceil", "arg_1": "#0", "arg_2": "1", "resp": 5 }, { "operator": "multiply", "arg_1": "#1", "arg_2": "1.00", "resp": 5.0 }, { "operator": "add", "arg_1": "2500", "arg_2": "2490", "resp": 4990 }, { "operator": "add", "arg_1": "#3", "arg_2": "#2", "resp": 4995 }, { "operator": "greater_equal", "arg_1": "5000", "arg_2": "#4", "resp": "TRUE" }, { "operator": "if", "arg_1": "#5", "arg_2": "\"Yes\", \"No\"", "resp": "TRUE" } ], "program": [ "divide(2490, 500)", "ceil(#0, 1)", "multiply(#1, 1.00)", "add(2500, 2490)", "add(#3, #2)", "greater_equal(5000, #4)", "if(#5, \"Yes\", \"No\")" ], "question_tense": "THIRD", "financial_terms": [ "FOREIGN TRANSACTION", "ATM CASH ADVANCE", "ROUND-UP RULE", "CONDITIONAL FINANCIAL RULE", "NAVY FEDERAL CARD TERMS" ], "credit_card": "nfcu_573CC_3-24-461850.md" }, { "question": "Aiden transferred a balance of $4,500 under a promotional APR for 12 months. He then makes $1,500 purchase on the same card, which is not covered by the promotional rate. If he does not pay the full balance, will he owe interest on the new purchase immediately? Assume the minimum APR applies when there is no promotional period?", "ground_truth": "TRUE", "output_units": "binary", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "greater", "arg_1": "1500", "arg_2": "0", "resp": "TRUE" }, { "operator": "greater", "arg_1": "0.149", "arg_2": "0", "resp": "TRUE" }, { "operator": "if", "arg_1": "#1", "arg_2": "\"Yes\", \"No\"", "resp": "TRUE" } ], "program": [ "greater(1500, 0)", "greater(0.149, 0)", "if(#1, \"Yes\", \"No\")" ], "question_tense": "THIRD", "financial_terms": [ "PROMOTIONAL APR", "PURCHASE APR", "ACCOUNT BALANCE", "MINIMUM APR TEST", "CONDITIONAL FINANCIAL RULE", "CHASE CARD TERMS", "INTEREST OWED" ], "credit_card": "nfcu_573CC_3-24-461850.md" }, { "question": "Mike misses his credit card payment for 3 months with a balance of $2,000. After 3 months, he pays off the full amount but then he misses another payment for 2 months on a new balance of $1,500. Assume the APR is 18%. How much will mike owe in excess of his actual statement balances (fees and interest)?", "ground_truth": "234.00", "output_units": "$", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 2, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 2, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "0.18", "arg_2": "365", "resp": 0.0004931506849315068 }, { "operator": "add", "arg_1": "#0", "arg_2": "1", "resp": 1.0004931506849315 }, { "operator": "multiply", "arg_1": "20", "arg_2": "3", "resp": 60 }, { "operator": "multiply", "arg_1": "20", "arg_2": "2", "resp": 40 }, { "operator": "exponent", "arg_1": "#1", "arg_2": "90", "resp": 1.04466 }, { "operator": "multiply", "arg_1": "#4", "arg_2": "2000", "resp": 2089.32 }, { "operator": "subtract", "arg_1": "#5", "arg_2": "2000", "resp": 89.32 }, { "operator": "add", "arg_1": "#6", "arg_2": "#2", "resp": 149.32 }, { "operator": "exponent", "arg_1": "#1", "arg_2": "60", "resp": 1.02979 }, { "operator": "multiply", "arg_1": "#8", "arg_2": "1500", "resp": 1544.68 }, { "operator": "subtract", "arg_1": "#9", "arg_2": "1500", "resp": 44.68 }, { "operator": "add", "arg_1": "#10", "arg_2": "#3", "resp": 84.68 }, { "operator": "add", "arg_1": "#7", "arg_2": "#11", "resp": 234.0 }, { "operator": "round", "arg_1": "#12", "arg_2": "0", "resp": 234.0 } ], "program": [ "divide(0.18, 365)", "add(#0, 1)", "multiply(20, 3)", "multiply(20, 2)", "exponent(#1, 90)", "multiply(#4, 2000)", "subtract(#5, 2000)", "add(#6, #2)", "exponent(#1, 60)", "multiply(#8, 1500)", "subtract(#9, 1500)", "add(#10, #3)", "add(#7, #11)", "round(#12, 0)" ], "question_tense": "THIRD", "financial_terms": [ "LATE PAYMENT FEE", "ACCOUNT BALANCE", "NEW BALANCE", "ROUNDING RULE", "365-DAY RATE BASIS", "EXPONENTIAL INTEREST CALCULATION" ], "credit_card": "nfcu_573CC_3-24-461850.md" }, { "question": "\"Samantha and Jake are both late on their payments and have triggered the penalty APR. Samantha has a balance of $1200 and was late for 3 months, while Jake has a balance of $800 and was late for 6 months. The penalty APR is 18%. By what percentage is the total interest Jake pays greater than the total interest Samantha pays?\"?", "ground_truth": "34.57", "output_units": "%", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 2, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 2, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "0.18", "arg_2": "365", "resp": 0.00049315 }, { "operator": "multiply", "arg_1": "3", "arg_2": "30", "resp": 90 }, { "operator": "multiply", "arg_1": "6", "arg_2": "30", "resp": 180 }, { "operator": "add", "arg_1": "#0", "arg_2": "1", "resp": 1.00049315 }, { "operator": "exponent", "arg_1": "#3", "arg_2": "#1", "resp": 1.04457 }, { "operator": "multiply", "arg_1": "#4", "arg_2": "1200", "resp": 1253.48 }, { "operator": "subtract", "arg_1": "#5", "arg_2": "1200", "resp": 53.48 }, { "operator": "exponent", "arg_1": "#3", "arg_2": "#2", "resp": 1.08995 }, { "operator": "multiply", "arg_1": "#7", "arg_2": "800", "resp": 871.96 }, { "operator": "subtract", "arg_1": "#8", "arg_2": "800", "resp": 71.96 }, { "operator": "subtract", "arg_1": "#9", "arg_2": "#6", "resp": 18.48 }, { "operator": "divide", "arg_1": "#10", "arg_2": "#6", "resp": 0.3457 }, { "operator": "multiply", "arg_1": "#11", "arg_2": "100", "resp": 34.57 } ], "program": [ "divide(0.18, 365)", "multiply(3, 30)", "multiply(6, 30)", "add(#0, 1)", "exponent(#3, #1)", "multiply(#4, 1200)", "subtract(#5, 1200)", "exponent(#3, #2)", "multiply(#7, 800)", "subtract(#8, 800)", "subtract(#9, #6)", "divide(#10, #6)", "multiply(#11, 100)" ], "question_tense": "THIRD", "financial_terms": [ "PENALTY APR", "ACCOUNT BALANCE", "INTEREST ACCRUAL", "PERCENTAGE CALCULATION", "365-DAY RATE BASIS", "EXPONENTIAL INTEREST CALCULATION" ], "credit_card": "nfcu_573CC_3-24-461850.md" }, { "question": "A cardholder has a past due amount of $200 and writes a convenience check for $250, but it is returned unpaid. Also their minimum payment was $50.If the applicable fees accrue interest at 15% APR compounded daily, how much will the total charges be after 60 days?", "ground_truth": "40.99", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 1, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 1, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "add", "arg_1": "20", "arg_2": "20", "resp": 40 }, { "operator": "divide", "arg_1": "0.15", "arg_2": "365", "resp": 0.000410958904109589 }, { "operator": "add", "arg_1": "#1", "arg_2": "1", "resp": 1.0004109589041097 }, { "operator": "exponent", "arg_1": "#2", "arg_2": "60", "resp": 1.0249588536638383 }, { "operator": "multiply", "arg_1": "#0", "arg_2": "#3", "resp": 40.99835414655353 } ], "program": [ "add(20, 20)", "divide(0.15, 365)", "add(#1, 1)", "exponent(#2, 60)", "multiply(#0, #3)" ], "question_tense": "THIRD", "financial_terms": [ "PURCHASE APR", "CONVENIENCE CHECK", "RETURNED PAYMENT FEE", "MINIMUM PAYMENT", "DAILY COMPOUNDING", "MINIMUM FEE RULE", "CHECK CASH ADVANCE", "RETURNED ITEM FEE", "DAILY COMPOUNDING INTEREST", "MINIMUM PAYMENT FORMULA", "PAST DUE AMOUNT", "365-DAY RATE BASIS", "EXPONENTIAL INTEREST CALCULATION", "PAST-DUE BALANCE" ], "credit_card": "nfcu_573CC_3-24-461850.md" }, { "question": "I withdrew $1000 from my credit card using an ATM and also took $500 My Chase Loan for 6 months. How much total interest will I pay if I make only the minimum payment each month? Assume that all fees and interest are added at the end of each 30-day billing cycle, that I am charged the lower bound of the Cash Advances APR, and that My Chase Loan Monthly Fee is the maximum one.onth?", "ground_truth": "533.60", "output_units": "$", "input_units": { "from_doc": { "%": 3, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 1, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 3, "month": 1, "day": 0, "year": 0, "$": 4, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "1000", "arg_2": "0.05", "resp": 50.0 }, { "operator": "max", "arg_1": "10", "arg_2": "#0", "resp": 50.0 }, { "operator": "add", "arg_1": "1000", "arg_2": "#1", "resp": 1050.0 }, { "operator": "divide", "arg_1": "24.99", "arg_2": "365", "resp": 0.06846575342465754 }, { "operator": "simulate_min_payment_plan", "arg_1": "#2, #3, 30, 40, 0.01", "arg_2": "1", "resp": [ 482, 39 ] }, { "operator": "divide", "arg_1": "1.72", "arg_2": "100", "resp": 0.0172 }, { "operator": "multiply", "arg_1": "500", "arg_2": "#5", "resp": 8.6 }, { "operator": "multiply", "arg_1": "#6", "arg_2": "6", "resp": 51.599999999999994 }, { "operator": "add", "arg_1": "#4[0]", "arg_2": "#7", "resp": 533.6 } ], "program": [ "multiply(1000, 0.05)", "max(10, #0)", "add(1000, #1)", "divide(24.99, 365)", "simulate_min_payment_plan(#2, #3, 30, 40, 0.01, 1)", "divide(1.72, 100)", "multiply(500, #5)", "multiply(#6, 6)", "add(#4[0], #7)" ], "question_tense": "FIRST", "financial_terms": [ "DAILY PERIODIC RATE", "CASH ADVANCE APR", "CASH ADVANCE FEE", "MINIMUM PAYMENT", "PAYMENT PLAN", "BILLING CYCLE", "INTEREST ACCRUAL", "MINIMUM FEE RULE", "ATM CASH ADVANCE", "BILLING-CYCLE INTEREST", "MINIMUM PAYMENT FORMULA", "LOAN REPAYMENT", "365-DAY RATE BASIS", "MAXIMUM SELECTION" ], "credit_card": "Starbucks Rewards Visa Signature Agreement.pdf-255606.md" }, { "question": "If a customer makes a late payment and incurs the maximum late fee, and they also have an outstanding balance of $500 accruing interest at an APR of 15%, how much will they owe after one billing cycle (assuming 30 days in the cycle)? Assume that interest is compounded daily?", "ground_truth": "526.18", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 1, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 1, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "0.15", "arg_2": "365", "resp": 0.0004109589041 }, { "operator": "add", "arg_1": "#0", "arg_2": "1", "resp": 1.0004109589041 }, { "operator": "exponent", "arg_1": "#1", "arg_2": "30", "resp": 1.012369 }, { "operator": "multiply", "arg_1": "#2", "arg_2": "500", "resp": 506.18 }, { "operator": "add", "arg_1": "#3", "arg_2": "20", "resp": "526.18" } ], "program": [ "divide(0.15, 365)", "add(#0, 1)", "exponent(#1, 30)", "multiply(#2, 500)", "add(#3, 20)" ], "question_tense": "THIRD", "financial_terms": [ "PURCHASE APR", "LATE PAYMENT FEE", "ACCOUNT BALANCE", "BILLING CYCLE", "DAILY COMPOUNDING", "DAILY COMPOUNDING INTEREST", "THIRTY-DAY INTEREST", "BILLING-CYCLE INTEREST", "OUTSTANDING BALANCE", "365-DAY RATE BASIS", "EXPONENTIAL INTEREST CALCULATION" ], "credit_card": "nfcu_573CC_3-24-461850.md" }, { "question": "What is the best case scenario of how many days I will have to make up interest before I owe 30% on my original balance transfer? (Assume daily compounding as described in the agreement)?", "ground_truth": "698", "output_units": "day", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "add", "arg_1": "0.3", "arg_2": "1", "resp": 1.3 }, { "operator": "ln", "arg_1": "#0", "resp": 0.26236426446749106 }, { "operator": "add", "arg_1": "0.00037644", "arg_2": "1", "resp": 1.00037644 }, { "operator": "ln", "arg_1": "#2", "resp": 0.0003763691642395073 }, { "operator": "divide", "arg_1": "#1", "arg_2": "#3", "resp": 697.0928795339148 }, { "operator": "ceil", "arg_1": "#4", "resp": 698 } ], "program": [ "add(0.3, 1)", "ln(#0)", "add(0.00037644, 1)", "ln(#2)", "divide(#1, #3)", "ceil(#4)" ], "question_tense": "FIRST", "financial_terms": [ "BALANCE TRANSFER APR", "ACCOUNT BALANCE", "DAILY COMPOUNDING", "PAYOFF TIME", "DAILY COMPOUNDING INTEREST", "ROUND-UP RULE", "LOGARITHMIC PAYOFF CALCULATION" ], "credit_card": "US_Bank_Visa_Signature_and_World_Mastercard_Accounts.md" }, { "question": "Cassie is going to France, Germany, and Italy for 3 weeks. She expects no foreign transaction fee and during her trip she books a €2,000 hotel in France, spends €900 at restaurants in Germany, and €1,500 on shopping in Italy.. She also purchases €1,200 worth of business software from an Italian company’s website for work. She also withdraws €400 from an ATM in Germany. When checking her statement, she notices that tht total amount charged in USD is higher than expected as she expected a 1 USD = 1.08 EUR conversion rate at the time of her hotel booking, 1.10 EUR for her restaurant and shopping expenses, 1.09 EUR for the software purchase, and 1.07 at the time of her ATM withdraw. Cassie assumes that she should have paid a a total of $5500 but there is a higher amount on her statement. How much extra did she pay due to exchange rate fluctionations and ATM fees?Peter is going to Switzerland, Belgium, and Denmark for 3 weeks. He plans to use his cashRewards credit card to book €7000 worth of hotels, €3400 for food, and €9000 for shopping. He also withdraws €900 from an ATM in Belgium. He assumed the following exchange rates would correspond to each category of purchases and that 1 USD = 1.09 EUR for hotels, 1.12 EUR for food and shopping, and 1.08 EUR for the ATM withdrawal. He expected to be charged a total of $20000, but sees a higher amount on his statement. What percentage of the extra amount he paid was due to fluctuations in exchange rates?", "ground_truth": "99.8", "output_units": "%", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 6, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 7, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "7000", "arg_2": "1.09", "resp": 6422.02 }, { "operator": "divide", "arg_1": "3400", "arg_2": "1.12", "resp": 3035.71 }, { "operator": "divide", "arg_1": "9000", "arg_2": "1.12", "resp": 8035.71 }, { "operator": "divide", "arg_1": "900", "arg_2": "1.08", "resp": 833.33 }, { "operator": "add", "arg_1": "#0", "arg_2": "#1", "resp": 9457.73 }, { "operator": "add", "arg_1": "#4", "arg_2": "#2", "resp": 17493.44 }, { "operator": "add", "arg_1": "#5", "arg_2": "#3", "resp": 18326.77 }, { "operator": "add", "arg_1": "20000", "arg_2": "500", "resp": 20500 }, { "operator": "subtract", "arg_1": "#7", "arg_2": "20000", "resp": 500 }, { "operator": "subtract", "arg_1": "#8", "arg_2": "1.00", "resp": 499 }, { "operator": "divide", "arg_1": "#9", "arg_2": "#8", "resp": 0.998 }, { "operator": "multiply", "arg_1": "#10", "arg_2": "100", "resp": "99.8" } ], "program": [ "divide(7000, 1.09)", "divide(3400, 1.12)", "divide(9000, 1.12)", "divide(900, 1.08)", "add(#0, #1)", "add(#4, #2)", "add(#5, #3)", "add(20000, 500)", "subtract(#7, 20000)", "subtract(#8, 1.00)", "divide(#9, #8)", "multiply(#10, 100)" ], "question_tense": "THIRD", "financial_terms": [ "CASH ADVANCE FEE", "PURCHASE TRANSACTION", "FOREIGN TRANSACTION FEE", "REWARDS", "CURRENCY CONVERSION", "PERCENTAGE CALCULATION", "ATM CASH ADVANCE", "EXCHANGE RATE CONVERSION", "PIN SECURITY LIABILITY", "TRANSACTION FEE CALCULATION", "CHASE CARD TERMS" ], "credit_card": "nfcu_573CC_3-24-461850.md" }, { "question": "If I transfer a debt of $200 to my credit card at the beginning of the month, what percentage of the initial transferred amount will I pay including all the fees and interest at the end of the month? Assume that I will pay the upper bound of APR specified in the credit card agreement?", "ground_truth": "106.7389346038492", "output_units": "%", "input_units": { "from_doc": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "add", "arg_1": "200", "arg_2": "0", "resp": 200.0 }, { "operator": "add", "arg_1": "19.99", "arg_2": "0", "resp": 19.99 }, { "operator": "add", "arg_1": "5", "arg_2": "0", "resp": 5.0 }, { "operator": "add", "arg_1": "5", "arg_2": "0", "resp": 5.0 }, { "operator": "divide", "arg_1": "#2", "arg_2": "100", "resp": 0.05 }, { "operator": "multiply", "arg_1": "#0", "arg_2": "#4", "resp": 10.0 }, { "operator": "max", "arg_1": "#5", "arg_2": "#3", "resp": 10.0 }, { "operator": "add", "arg_1": "#0", "arg_2": "#6", "resp": 210.0 }, { "operator": "divide", "arg_1": "#1", "arg_2": "365", "resp": 0.05476712328767123 }, { "operator": "divide", "arg_1": "#8", "arg_2": "100", "resp": 0.0005476712328767123 }, { "operator": "add", "arg_1": "1", "arg_2": "#9", "resp": 1.0005476712328767 }, { "operator": "exponent", "arg_1": "#10", "arg_2": "30", "resp": 1.016561281941421 }, { "operator": "multiply", "arg_1": "#7", "arg_2": "#11", "resp": 213.4778692076984 }, { "operator": "divide", "arg_1": "#12", "arg_2": "#0", "resp": 1.067389346038492 }, { "operator": "multiply", "arg_1": "#13", "arg_2": "100", "resp": 106.7389346038492 } ], "program": [ "add(200, 0)", "add(19.99, 0)", "add(5, 0)", "add(5, 0)", "divide(#2, 100)", "multiply(#0, #4)", "max(#5, #3)", "add(#0, #6)", "divide(#1, 365)", "divide(#8, 100)", "add(1, #9)", "exponent(#10, 30)", "multiply(#7, #11)", "divide(#12, #0)", "multiply(#13, 100)" ], "question_tense": "FIRST", "financial_terms": [ "BALANCE TRANSFER APR", "BALANCE TRANSFER FEE", "PERCENTAGE CALCULATION", "365-DAY RATE BASIS", "MAXIMUM SELECTION", "EXPONENTIAL INTEREST CALCULATION" ], "credit_card": "Starbucks Rewards Visa Signature Agreement.pdf-255606.md" }, { "question": "If I transfer a debt of $53 to my credit card at the start of May, will I owe a debt of more than $59 at the end of May? Assume that I will pay the upper bound of APR specified in the credit card agreement?", "ground_truth": "FALSE", "output_units": "binary", "input_units": { "from_doc": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 1, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 1, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "5", "arg_2": "100", "resp": 0.05 }, { "operator": "multiply", "arg_1": "53", "arg_2": "#0", "resp": 2.6500000000000004 }, { "operator": "max", "arg_1": "5", "arg_2": "#1", "resp": 5 }, { "operator": "add", "arg_1": "53", "arg_2": "#2", "resp": 58 }, { "operator": "divide", "arg_1": "19.99", "arg_2": "36500", "resp": 0.0005476712328767123 }, { "operator": "add", "arg_1": "1", "arg_2": "#4", "resp": 1.0005476712328767 }, { "operator": "exponent", "arg_1": "#5", "arg_2": "31", "resp": 1.0171180233119965 }, { "operator": "multiply", "arg_1": "#3", "arg_2": "#6", "resp": 58.9928453520958 }, { "operator": "greater", "arg_1": "#7", "arg_2": "59", "resp": "FALSE" } ], "program": [ "divide(5, 100)", "multiply(53, #0)", "max(5, #1)", "add(53, #2)", "divide(19.99, 36500)", "add(1, #4)", "exponent(#5, 31)", "multiply(#3, #6)", "greater(#7, 59)" ], "question_tense": "FIRST", "financial_terms": [ "BALANCE TRANSFER APR", "365-DAY RATE BASIS", "MAXIMUM SELECTION", "EXPONENTIAL INTEREST CALCULATION" ], "credit_card": "Starbucks Rewards Visa Signature Agreement.pdf-255606.md" }, { "question": "Suppose a cardholder has an outstanding balance of $10,000 and incurs a late payment, triggering the penalty APR.The cardholder realizes this and in the middle of the billing cycle, attempts to get ahead of the penalty by paying $2000 to pay part Suppose Bob and Evan are both late on their payments. Bob is late on one and a half's month of payments with a balance of $1000 while Evan is late on 4 months of payments with a balance of $1000. Bob thinks that the penalty APR will apply for the same six month period as Evan. Is his belief true or false?", "ground_truth": "FALSE", "output_units": "binary", "input_units": { "from_doc": { "%": 0, "month": 1, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 2, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 3, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "60", "arg_2": "30", "resp": 2 }, { "operator": "greater", "arg_1": "1.5", "arg_2": "#0", "resp": "FALSE" }, { "operator": "greater", "arg_1": "4", "arg_2": "#0", "resp": "TRUE" }, { "operator": "subtract", "arg_1": "#1", "arg_2": "#2", "resp": -1 }, { "operator": "abs", "arg_1": "#3", "arg_2": "1", "resp": 1 }, { "operator": "less_equal", "arg_1": "#4", "arg_2": "0", "resp": "FALSE" } ], "program": [ "divide(60, 30)", "greater(1.5, #0)", "greater(4, #0)", "subtract(#1, #2)", "abs(#3, 1)", "less_equal(#4, 0)" ], "question_tense": "THIRD", "financial_terms": [ "PENALTY APR", "LATE PAYMENT", "ACCOUNT BALANCE", "BILLING CYCLE", "BILLING-CYCLE INTEREST", "TRUE FALSE FINANCIAL RULE", "OUTSTANDING BALANCE" ], "credit_card": "nfcu_573CC_3-24-461850.md" }, { "question": "If I am considered a risky borrower of credit, how much more interest would a purchase of $1000 inccur over the course of 1 month than if I was not considered a risky borrower of credit?", "ground_truth": "7.97", "output_units": "$", "input_units": { "from_doc": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 1, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 1, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "20.49", "arg_2": "36500", "resp": 0.0005613698630136986 }, { "operator": "divide", "arg_1": "29.99", "arg_2": "36500", "resp": 0.0008216438356164383 }, { "operator": "add", "arg_1": "1", "arg_2": "#0", "resp": 1.0005613698630138 }, { "operator": "add", "arg_1": "1", "arg_2": "#1", "resp": 1.0008216438356163 }, { "operator": "multiply", "arg_1": "1", "arg_2": "30", "resp": 30.0 }, { "operator": "multiply", "arg_1": "1", "arg_2": "30", "resp": 30.0 }, { "operator": "exponent", "arg_1": "#2", "arg_2": "#4", "resp": 1.0169789010797021 }, { "operator": "exponent", "arg_1": "#3", "arg_2": "#5", "resp": 1.0249452475436964 }, { "operator": "subtract", "arg_1": "#7", "arg_2": "#6", "resp": 0.0079663464639943 }, { "operator": "multiply", "arg_1": "1000", "arg_2": "#8", "resp": 7.9663464639943005 }, { "operator": "round", "arg_1": "#9", "arg_2": "2", "resp": 7.97 } ], "program": [ "divide(20.49, 36500)", "divide(29.99, 36500)", "add(1, #0)", "add(1, #1)", "multiply(1, 30)", "multiply(1, 30)", "exponent(#2, #4)", "exponent(#3, #5)", "subtract(#7, #6)", "multiply(1000, #8)", "round(#9, 2)" ], "question_tense": "FIRST", "financial_terms": [ "PURCHASE APR", "CREDIT TIER", "RISK-BASED APR", "ROUNDING RULE", "365-DAY RATE BASIS", "EXPONENTIAL INTEREST CALCULATION", "CHASE CARD TERMS" ], "credit_card": "CostcoAnywhereVisa.md" }, { "question": "On $550 penalty and a penalty APR of 27%, how much interest will be owed after 2.5 years? Assume the interest is compounded daily, and round the answer to the nearest whole number of dollars. Don't take into account the penalty fee (assume penalty fee is 0), just the penalty apr. Also just give the interest accumulated, not the principle + interest?", "ground_truth": "530.00", "output_units": "$", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 1, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 1, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "27", "arg_2": "36500", "resp": 0.0007397260273972603 }, { "operator": "add", "arg_1": "1", "arg_2": "#0", "resp": 1.0007397260273974 }, { "operator": "multiply", "arg_1": "2.5", "arg_2": "365", "resp": 912.5 }, { "operator": "exponent", "arg_1": "#1", "arg_2": "#2", "resp": 1.9635429431579248 }, { "operator": "subtract", "arg_1": "#3", "arg_2": "1", "resp": 0.9635429431579248 }, { "operator": "multiply", "arg_1": "#4", "arg_2": "550", "resp": 529.9486187368586 }, { "operator": "round", "arg_1": "#5", "arg_2": "0", "resp": 530 } ], "program": [ "divide(27, 36500)", "add(1, #0)", "multiply(2.5, 365)", "exponent(#1, #2)", "subtract(#3, 1)", "multiply(#4, 550)", "round(#5, 0)" ], "question_tense": "THIRD", "financial_terms": [ "PENALTY APR", "DAILY COMPOUNDING", "INTEREST ACCRUAL", "DAILY COMPOUNDING INTEREST", "ROUNDING RULE", "365-DAY RATE BASIS", "EXPONENTIAL INTEREST CALCULATION" ], "credit_card": "Visa Agreement (for in-branch offers).pdf-255597.md" }, { "question": "Jasmine has a balance of $10,000 and transferred it to a promotional APR offer for 18 months. Her original card had a 17% APR. How much interest does she save as a percentage of what she would have paid under her original APR? Assume daily compounding?", "ground_truth": "22.49973587935815", "output_units": "%", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 1, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 1, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "0.17", "arg_2": "365", "resp": 0.0004657534246575343 }, { "operator": "add", "arg_1": "#0", "arg_2": "1", "resp": 1.0004657534246575 }, { "operator": "divide", "arg_1": "18", "arg_2": "12", "resp": 1.5 }, { "operator": "multiply", "arg_1": "#2", "arg_2": "365", "resp": 547.5 }, { "operator": "exponent", "arg_1": "#1", "arg_2": "#3", "resp": 1.2903850147257019 }, { "operator": "multiply", "arg_1": "10000", "arg_2": "#4", "resp": 12903.850147257019 }, { "operator": "subtract", "arg_1": "#5", "arg_2": "10000", "resp": 2903.8501472570188 }, { "operator": "divide", "arg_1": "#6", "arg_2": "#5", "resp": 0.22503749765524766 }, { "operator": "multiply", "arg_1": "#7", "arg_2": "100", "resp": 22.503749765524766 } ], "program": [ "divide(0.17, 365)", "add(#0, 1)", "divide(18, 12)", "multiply(#2, 365)", "exponent(#1, #3)", "multiply(10000, #4)", "subtract(#5, 10000)", "divide(#6, #5)", "multiply(#7, 100)" ], "question_tense": "THIRD", "financial_terms": [ "PROMOTIONAL APR", "ACCOUNT BALANCE", "DAILY COMPOUNDING", "PERCENTAGE CALCULATION", "DAILY COMPOUNDING INTEREST", "365-DAY RATE BASIS", "EXPONENTIAL INTEREST CALCULATION" ], "credit_card": "nfcu_573CC_3-24-461850.md" }, { "question": "If I take out a cash advance of $400 using this and make monthly payments of $80 + the cash advance APR for that month, how many months will it take for me to pay off the balance?", "ground_truth": "6.0", "output_units": "month", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "add", "arg_1": "400", "arg_2": "0", "resp": 400.0 }, { "operator": "add", "arg_1": "80", "arg_2": "0", "resp": 80.0 }, { "operator": "add", "arg_1": "5", "arg_2": "0", "resp": 5.0 }, { "operator": "divide", "arg_1": "#2", "arg_2": "100", "resp": 0.05 }, { "operator": "multiply", "arg_1": "#0", "arg_2": "#3", "resp": 20.0 }, { "operator": "add", "arg_1": "5.00", "arg_2": "0", "resp": 5.0 }, { "operator": "max", "arg_1": "#4", "arg_2": "#5", "resp": 20.0 }, { "operator": "add", "arg_1": "#0", "arg_2": "#6", "resp": 420.0 }, { "operator": "divide", "arg_1": "#7", "arg_2": "#1", "resp": 5.25 }, { "operator": "ceil", "arg_1": "#8", "arg_2": "1", "resp": 6.0 } ], "program": [ "add(400, 0)", "add(80, 0)", "add(5, 0)", "divide(#2, 100)", "multiply(#0, #3)", "add(5.00, 0)", "max(#4, #5)", "add(#0, #6)", "divide(#7, #1)", "ceil(#8, 1)" ], "question_tense": "FIRST", "financial_terms": [ "CASH ADVANCE APR", "ACCOUNT BALANCE", "PAYOFF TIME", "MONTHLY PAYMENT", "BALANCE PAYOFF", "ROUND-UP RULE", "MAXIMUM SELECTION" ], "credit_card": "Starbucks Rewards Visa Signature Agreement.pdf-255606.md" }, { "question": "Using the Discover Near Prime card's convenience check policy, I decide to make $500 purchase using the convenience check. What percentage of the initial purchase did I pay for only the interest if I pay off my balance 30 days later while treating the check's APR as a cash advance?", "ground_truth": "2.49", "output_units": "%", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 1, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 1, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": 0.2999, "arg_2": 365, "resp": 0.0008216438356164384 }, { "operator": "add", "arg_1": 1, "arg_2": "#0", "resp": 1.0008216438356163 }, { "operator": "exponent", "arg_1": "#1", "arg_2": 30, "resp": 1.0249452475436964 }, { "operator": "multiply", "arg_1": 500, "arg_2": "#2", "resp": 512.4726237718482 }, { "operator": "subtract", "arg_1": "#3", "arg_2": 500, "resp": 12.47262377184817 }, { "operator": "divide", "arg_1": "#4", "arg_2": 500, "resp": 0.02494524754369634 }, { "operator": "multiply", "arg_1": "#5", "arg_2": 100, "resp": 2.494524754369634 }, { "operator": "round", "arg_1": "#6", "arg_2": 2, "resp": 2.49 } ], "program": [ "divide(0.2999, 365)", "add(1, #0)", "exponent(#1, 30)", "multiply(500, #2)", "subtract(#3, 500)", "divide(#4, 500)", "multiply(#5, 100)", "round(#6, 2)" ], "question_tense": "FIRST", "financial_terms": [ "DAILY PERIODIC RATE", "CASH ADVANCE APR", "PURCHASE APR", "CONVENIENCE CHECK", "ACCOUNT BALANCE", "PAYOFF TIME", "PAYMENT DUE DATE", "PERCENTAGE CALCULATION", "CHECK CASH ADVANCE", "THIRTY-DAY INTEREST", "BALANCE PAYOFF", "DAY COUNT CALCULATION", "ROUNDING RULE", "365-DAY RATE BASIS" ], "credit_card": "Discover Near Prime Cardmember Agreement_061824-255535.md" }, { "question": "If I have a cash advance interest (excluding cash advance fee) of 2.24% added to my transaction of charging my credit card at a bank, how many days ago did I make the transaction? Round to nearest day?", "ground_truth": "27", "output_units": "day", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "29.99", "arg_2": "36500", "resp": 0.0008216438356164383 }, { "operator": "add", "arg_1": "1", "arg_2": "#0", "resp": 1.0008216438356163 }, { "operator": "divide", "arg_1": "2.24", "arg_2": "100", "resp": 0.022400000000000003 }, { "operator": "add", "arg_1": "1", "arg_2": "#2", "resp": 1.0224 }, { "operator": "ln", "arg_1": "#1", "resp": 0.0008213064711030348 }, { "operator": "ln", "arg_1": "#3", "resp": 0.02215280464113328 }, { "operator": "divide", "arg_1": "#5", "arg_2": "#4", "resp": 26.97264105490551 }, { "operator": "round", "arg_1": "#6", "arg_2": "0", "resp": 27 } ], "program": [ "divide(29.99, 36500)", "add(1, #0)", "divide(2.24, 100)", "add(1, #2)", "ln(#1)", "ln(#3)", "divide(#5, #4)", "round(#6, 0)" ], "question_tense": "FIRST", "financial_terms": [ "CASH ADVANCE APR", "CASH ADVANCE FEE", "PAYOFF TIME", "ROUNDING RULE", "365-DAY RATE BASIS", "LOGARITHMIC PAYOFF CALCULATION" ], "credit_card": "CostcoAnywhereVisa.md" }, { "question": "Let's say Card A has $0 annual fee, and 1% cash back on all purchases. Card B has $120 annual fee and 2.5% cash back on all purchases. If the cardholder expect to spend $2500 per month on the cardholder's credit card for a year, which card gives a higher net benefit, assuming both have a 0% APR promotional period for this year?", "ground_truth": "Card B", "output_units": "categorical", "input_units": { "from_doc": { "%": 3, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 3, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "2500", "arg_2": "0.01", "resp": 25.0 }, { "operator": "multiply", "arg_1": "#0", "arg_2": "12", "resp": 300.0 }, { "operator": "multiply", "arg_1": "2500", "arg_2": "0.025", "resp": 62.5 }, { "operator": "multiply", "arg_1": "#2", "arg_2": "12", "resp": 750.0 }, { "operator": "subtract", "arg_1": "#3", "arg_2": "120", "resp": 630.0 }, { "operator": "greater", "arg_1": "#4", "arg_2": "#1", "resp": "TRUE" }, { "operator": "if", "arg_1": "#5", "arg_2": "Card B", "arg_3": "Card A", "resp": "Card B" } ], "program": [ "multiply(2500, 0.01)", "multiply(#0, 12)", "multiply(2500, 0.025)", "multiply(#2, 12)", "subtract(#3, 120)", "greater(#4, #1)", "if(#5, Card B, Card A)" ], "question_tense": "THIRD", "financial_terms": [ "PROMOTIONAL APR", "PURCHASE APR", "ANNUAL FEE", "REWARDS", "MONTHLY PAYMENT", "CASH BACK REWARD", "CARD OPTION COMPARISON", "CONDITIONAL FINANCIAL RULE", "CHASE CARD TERMS", "MONTHLY FEE", "ANNUALIZED FEE", "ZERO PERCENT PROMOTIONAL APR" ], "credit_card": "GAPPrivateLabel_combined.md" }, { "question": "If I plan to repay the $100 cash I withdrew from my credit card at an ATM in 10 days, how much extra interest and fees will be tacked onto my transaction? (Answer as a percentage of the original transaction amount)?", "ground_truth": "10.91", "output_units": "%", "input_units": { "from_doc": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 1, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 1, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "5", "arg_2": "100", "resp": 0.05 }, { "operator": "add", "arg_1": "1", "arg_2": "#0", "resp": 1.05 }, { "operator": "multiply", "arg_1": "100", "arg_2": "#1", "resp": 105.0 }, { "operator": "add", "arg_1": "100", "arg_2": "10", "resp": 110.0 }, { "operator": "max", "arg_1": "#3", "arg_2": "#2", "resp": 110.0 }, { "operator": "divide", "arg_1": "29.99", "arg_2": "36500", "resp": 0.0008216438356164384 }, { "operator": "add", "arg_1": "1", "arg_2": "#5", "resp": 1.0008216438356163 }, { "operator": "exponent", "arg_1": "#6", "arg_2": "10", "resp": 1.008245 }, { "operator": "multiply", "arg_1": "#4", "arg_2": "#7", "resp": 110.90695 }, { "operator": "subtract", "arg_1": "#8", "arg_2": "100", "resp": 10.90695 }, { "operator": "divide", "arg_1": "#9", "arg_2": "100", "resp": 0.1090695 }, { "operator": "multiply", "arg_1": "#10", "arg_2": "100", "resp": 10.90695 }, { "operator": "round", "arg_1": "#11", "arg_2": "2", "resp": 10.91 } ], "program": [ "divide(5, 100)", "add(1, #0)", "multiply(100, #1)", "add(100, 10)", "max(#3, #2)", "divide(29.99, 36500)", "add(1, #5)", "exponent(#6, 10)", "multiply(#4, #7)", "subtract(#8, 100)", "divide(#9, 100)", "multiply(#10, 100)", "round(#11, 2)" ], "question_tense": "FIRST", "financial_terms": [ "CASH ADVANCE APR", "CASH ADVANCE FEE", "PERCENTAGE CALCULATION", "ATM CASH ADVANCE", "ROUNDING RULE", "365-DAY RATE BASIS", "MAXIMUM SELECTION", "EXPONENTIAL INTEREST CALCULATION" ], "credit_card": "CostcoAnywhereVisa.md" }, { "question": "If I move $500 purchase to a Citi Flex Plan at the start of a month before the prime rate increases 2.5%, how much money would I save in interest for that month?", "ground_truth": "1.05", "output_units": "$", "input_units": { "from_doc": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 3, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "add", "arg_1": "20.49", "arg_2": "2.5", "resp": 22.99 }, { "operator": "divide", "arg_1": "#0", "arg_2": "36500", "resp": 0.00062986301369863 }, { "operator": "divide", "arg_1": "20.49", "arg_2": "36500", "resp": 0.0005613698630136986 }, { "operator": "add", "arg_1": "1", "arg_2": "#1", "resp": 1.0006298630136987 }, { "operator": "exponent", "arg_1": "#3", "arg_2": "30", "resp": 1.0190694856931817 }, { "operator": "add", "arg_1": "1", "arg_2": "#2", "resp": 1.0005613698630138 }, { "operator": "exponent", "arg_1": "#5", "arg_2": "30", "resp": 1.0169789010797021 }, { "operator": "subtract", "arg_1": "#4", "arg_2": "#6", "resp": 0.0020905846134795514 }, { "operator": "multiply", "arg_1": "500", "arg_2": "#7", "resp": 1.0452923067397757 }, { "operator": "round", "arg_1": "#8", "arg_2": "2", "resp": 1.05 } ], "program": [ "add(20.49, 2.5)", "divide(#0, 36500)", "divide(20.49, 36500)", "add(1, #1)", "exponent(#3, 30)", "add(1, #2)", "exponent(#5, 30)", "subtract(#4, #6)", "multiply(500, #7)", "round(#8, 2)" ], "question_tense": "FIRST", "financial_terms": [ "PRIME RATE", "PURCHASE APR", "CITI FLEX APR", "ROUNDING RULE", "365-DAY RATE BASIS", "EXPONENTIAL INTEREST CALCULATION", "CHASE CARD TERMS", "CITI CARD TERMS" ], "credit_card": "CostcoAnywhereVisa.md" }, { "question": "I am in urgent need of cash but get my paycheck in 15 days. How much can I withdraw from my credit card at an ATM if I only want to use $200 from my paycheck to pay back what I borrowed? I will pay it back the day I get my paycheck?", "ground_truth": "187.55", "output_units": "$", "input_units": { "from_doc": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 1, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 1, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "29.99", "arg_2": "36500", "resp": 0.0008216438356164383 }, { "operator": "add", "arg_1": "1", "arg_2": "#0", "resp": 1.0008216438356163 }, { "operator": "exponent", "arg_1": "#1", "arg_2": "15", "resp": 1.0123957958939263 }, { "operator": "divide", "arg_1": "200", "arg_2": "#2", "resp": 197.55119569950782 }, { "operator": "subtract", "arg_1": "#3", "arg_2": "10", "resp": 187.55119569950782 }, { "operator": "divide", "arg_1": "5", "arg_2": "100", "resp": 0.05 }, { "operator": "add", "arg_1": "1", "arg_2": "#5", "resp": 1.05 }, { "operator": "divide", "arg_1": "#3", "arg_2": "#6", "resp": 188.14399590429315 }, { "operator": "min", "arg_1": "#4", "arg_2": "#7", "resp": 187.55119569950782 }, { "operator": "round", "arg_1": "#8", "arg_2": "2", "resp": 187.55 } ], "program": [ "divide(29.99, 36500)", "add(1, #0)", "exponent(#1, 15)", "divide(200, #2)", "subtract(#3, 10)", "divide(5, 100)", "add(1, #5)", "divide(#3, #6)", "min(#4, #7)", "round(#8, 2)" ], "question_tense": "FIRST", "financial_terms": [ "CASH ADVANCE", "ATM CASH ADVANCE", "ROUNDING RULE", "365-DAY RATE BASIS", "MINIMUM SELECTION", "EXPONENTIAL INTEREST CALCULATION" ], "credit_card": "CostcoAnywhereVisa.md" }, { "question": "Michelle is deciding between applying for the Navy Federal cashRewards card and another Elite Rewards Card. The Navy Federal cashRewards card has no annual fee and she would receive the maximum amount of cash back from that card. The Elite Rewards Card has $200 annual fee with 3% cash back on all purchases. Michelle estimates that she will only need to spend $50 per month on regular purchases. What is the percent difference between the rewards earned from both cards after 2 years?", "ground_truth": "105.80", "output_units": "%", "input_units": { "from_doc": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 1, "day": 0, "year": 1, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 1, "day": 0, "year": 1, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "50", "arg_2": "12", "resp": 600 }, { "operator": "multiply", "arg_1": "#0", "arg_2": "2", "resp": 1200 }, { "operator": "multiply", "arg_1": "#1", "arg_2": "0.0175", "resp": 21 }, { "operator": "multiply", "arg_1": "#1", "arg_2": "0.03", "resp": 36 }, { "operator": "multiply", "arg_1": "200", "arg_2": "2", "resp": 400 }, { "operator": "subtract", "arg_1": "#3", "arg_2": "#4", "resp": -364 }, { "operator": "subtract", "arg_1": "#2", "arg_2": "#5", "resp": 385 }, { "operator": "divide", "arg_1": "#6", "arg_2": "#5", "resp": -1.058 }, { "operator": "multiply", "arg_1": "#7", "arg_2": "100", "resp": -105.8 }, { "operator": "abs", "arg_1": "#8", "arg_2": "1", "resp": "105.80" } ], "program": [ "multiply(50, 12)", "multiply(#0, 2)", "multiply(#1, 0.0175)", "multiply(#1, 0.03)", "multiply(200, 2)", "subtract(#3, #4)", "subtract(#2, #5)", "divide(#6, #5)", "multiply(#7, 100)", "abs(#8, 1)" ], "question_tense": "THIRD", "financial_terms": [ "PURCHASE TRANSACTION", "ANNUAL FEE", "REWARDS", "PERCENTAGE CALCULATION", "MONTHLY PAYMENT", "CASH BACK REWARD", "FINANCIAL DIFFERENCE", "PERCENT DIFFERENCE", "CHASE CARD TERMS", "NAVY FEDERAL CARD TERMS", "MONTHLY FEE", "ANNUALIZED FEE" ], "credit_card": "nfcu_573CC_3-24-461850.md" }, { "question": "I made a purchase for $500 with my credit card. How many months will it take to pay off if I only make the minimum payment each month, assuming I am charged the maximum APR because I am risky borrower and that all fees and interest are added at the end of each 30-day billing cycle? The new minimum payment each month is calculated solely from the updated balance (no special payment obligations)?", "ground_truth": "16", "output_units": "month", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "simulate_min_payment_plan", "arg_1": "500, 0.08217, 30, 40, 0.01", "arg_2": "1", "resp": [ 107, 16 ] }, { "operator": "add", "arg_1": "#0[1]", "arg_2": "0", "resp": 16 } ], "program": [ "simulate_min_payment_plan(500, 0.08217, 30, 40, 0.01, 1)", "add(#0[1], 0)" ], "question_tense": "FIRST", "financial_terms": [ "DAILY PERIODIC RATE", "PURCHASE APR", "MINIMUM PAYMENT", "ACCOUNT BALANCE", "CREDIT TIER", "BILLING CYCLE", "PAYOFF TIME", "MINIMUM FEE RULE", "MAXIMUM APR TEST", "BILLING-CYCLE INTEREST", "MINIMUM PAYMENT FORMULA", "BALANCE PAYOFF", "RISK-BASED APR", "CHASE CARD TERMS", "MINIMUM-ONLY REPAYMENT" ], "credit_card": "Starbucks Rewards Visa Signature Agreement.pdf-255606.md" }, { "question": "Say the cardholder takes a cash advance of $400 using the cardholder's Gap Card. Using the highest APR within the agreement, and with interest compounded daily based on a 365-day year; if the cardholder repay the full amount (cash advance + fee + interest) exactly 30 days later, is the total interest the cardholder pays greater than $10?", "ground_truth": "TRUE", "output_units": "binary", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 2, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 2, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "28.99", "arg_2": "365", "resp": 0.07942465753424657 }, { "operator": "multiply", "arg_1": "#0", "arg_2": "30", "resp": 2.382739726027397 }, { "operator": "add", "arg_1": "1", "arg_2": "#1", "resp": 3.382739726027397 }, { "operator": "multiply", "arg_1": "400", "arg_2": "#2", "resp": 1353.095890410959 }, { "operator": "subtract", "arg_1": "#3", "arg_2": "400", "resp": 953.095890410959 }, { "operator": "greater", "arg_1": "#4", "arg_2": "10", "resp": "TRUE" } ], "program": [ "divide(28.99, 365)", "multiply(#0, 30)", "add(1, #1)", "multiply(400, #2)", "subtract(#3, 400)", "greater(#4, 10)" ], "question_tense": "THIRD", "financial_terms": [ "DAILY PERIODIC RATE", "CASH ADVANCE APR", "CASH ADVANCE FEE", "DAILY COMPOUNDING", "INTEREST ACCRUAL", "PAYMENT DUE DATE", "DAILY COMPOUNDING INTEREST", "THIRTY-DAY INTEREST", "DAY COUNT CALCULATION", "365-DAY RATE BASIS", "GAP CARD TERMS" ], "credit_card": "GAPCobrand_combined.md" }, { "question": "I withdrew $100 from my credit card using an ATM. How long will it take me to pay it off if I only make the minimum payment each month, assuming that all fees and interest are added at the end of each 30-day billing cycle and that the new minimum payment each month is calculated solely from the updated balance (with no special payment obligations)? Assume that I am charged the minimum Cash Advance APR specified in the agreement. Round to the nearest month?", "ground_truth": "3", "output_units": "month", "input_units": { "from_doc": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "100", "arg_2": "0.05", "resp": 5.0 }, { "operator": "max", "arg_1": "10", "arg_2": "#0", "resp": 10 }, { "operator": "add", "arg_1": "100", "arg_2": "#1", "resp": 110 }, { "operator": "divide", "arg_1": "24.99", "arg_2": "365", "resp": 0.06846575342465754 }, { "operator": "simulate_min_payment_plan", "arg_1": "#2, #3, 30, 40, 0.01", "arg_2": "1", "resp": [ 4, 3 ] }, { "operator": "add", "arg_1": "#4[1]", "arg_2": "0", "resp": 3 } ], "program": [ "multiply(100, 0.05)", "max(10, #0)", "add(100, #1)", "divide(24.99, 365)", "simulate_min_payment_plan(#2, #3, 30, 40, 0.01, 1)", "add(#4[1], 0)" ], "question_tense": "FIRST", "financial_terms": [ "DAILY PERIODIC RATE", "CASH ADVANCE APR", "CASH ADVANCE FEE", "MINIMUM PAYMENT", "ACCOUNT BALANCE", "BILLING CYCLE", "PAYOFF TIME", "MINIMUM FEE RULE", "ATM CASH ADVANCE", "BILLING-CYCLE INTEREST", "MINIMUM PAYMENT FORMULA", "365-DAY RATE BASIS", "MAXIMUM SELECTION", "MINIMUM-ONLY REPAYMENT" ], "credit_card": "Starbucks Rewards Visa Signature Agreement.pdf-255606.md" }, { "question": "The cardholder has a minimum payment of $50 due, and the cardholder miss the deadline. the cardholder was also late in the last 6 billing cycles, so the cardholder gets charged the maximum late fee. The cardholder's issuer allows the cardholder to pay off the total balance and late fee with a fixed monthly payment of $75. How many months will it take to fully cover just the late fee?", "ground_truth": "1", "output_units": "month", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "min", "arg_1": "50", "arg_2": "41", "resp": 41 }, { "operator": "divide", "arg_1": "41", "arg_2": "75", "resp": 0.5466666667 }, { "operator": "ceil", "arg_1": "#1", "resp": 1 } ], "program": [ "min(50, 41)", "divide(41, 75)", "ceil(#1)" ], "question_tense": "THIRD", "financial_terms": [ "LATE PAYMENT FEE", "MINIMUM PAYMENT", "ACCOUNT BALANCE", "BILLING CYCLE", "PAYOFF TIME", "MINIMUM FEE RULE", "BILLING-CYCLE INTEREST", "MINIMUM PAYMENT FORMULA", "BALANCE PAYOFF", "FIXED PAYMENT AMORTIZATION", "TOTAL BALANCE", "ROUND-UP RULE", "MINIMUM SELECTION" ], "credit_card": "GAPPrivateLabel_combined.md" }, { "question": "I made a purchase for $300 with my credit card. How many months will it take to pay off if I only make the minimum payment each month, assuming I am charged the maximum Purchase APR because of my bad credit history and that all fees and interest are added at the end of each 30-day billing cycle? The new minimum payment each month is calculated solely from the updated balance (no special payment obligations). Round to the nearest month?", "ground_truth": "9", "output_units": "month", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "19.99", "arg_2": "365", "resp": 0.05476712328767123 }, { "operator": "simulate_min_payment_plan", "arg_1": "300, #0, 30, 40, 0.01", "arg_2": "1", "resp": [ 23, 9 ] }, { "operator": "add", "arg_1": "#1[1]", "arg_2": "0", "resp": 9 } ], "program": [ "divide(19.99, 365)", "simulate_min_payment_plan(300, #0, 30, 40, 0.01, 1)", "add(#1[1], 0)" ], "question_tense": "FIRST", "financial_terms": [ "DAILY PERIODIC RATE", "PURCHASE APR", "MINIMUM PAYMENT", "ACCOUNT BALANCE", "BILLING CYCLE", "PAYOFF TIME", "MINIMUM FEE RULE", "BILLING-CYCLE INTEREST", "MINIMUM PAYMENT FORMULA", "BALANCE PAYOFF", "365-DAY RATE BASIS", "CHASE CARD TERMS", "MINIMUM-ONLY REPAYMENT" ], "credit_card": "Starbucks Rewards Visa Signature Agreement.pdf-255606.md" }, { "question": "I want to make $300 purchase using my credit card. How much higher are my total fees if I use a Cash Advance (and pay with cash) compared to if I pay with a regular card purchase? Assume that all fees and interest are added at the end of each 30-day billing cycle, that I am charged the maximum Purchase and Cash Advance APRs (due to my bad credit history), and that the new minimum payment each month is calculated solely from the updated balance (with no special payment obligations)?", "ground_truth": "17.00", "output_units": "$", "input_units": { "from_doc": { "%": 3, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 3, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "300", "arg_2": "0.05", "resp": 15.0 }, { "operator": "max", "arg_1": "10", "arg_2": "#0", "resp": 15.0 }, { "operator": "add", "arg_1": "300", "arg_2": "#1", "resp": 315.0 }, { "operator": "divide", "arg_1": "19.99", "arg_2": "365", "resp": 0.05476712328767123 }, { "operator": "divide", "arg_1": "29.99", "arg_2": "365", "resp": 0.08216438356164384 }, { "operator": "simulate_min_payment_plan", "arg_1": "300, #3, 30, 40, 0.01", "arg_2": "1", "resp": [ 23, 9 ] }, { "operator": "simulate_min_payment_plan", "arg_1": "#2, #4, 30, 40, 0.01", "arg_2": "1", "resp": [ 40, 9 ] }, { "operator": "subtract", "arg_1": "#6[0]", "arg_2": "#5[0]", "resp": 17 } ], "program": [ "multiply(300, 0.05)", "max(10, #0)", "add(300, #1)", "divide(19.99, 365)", "divide(29.99, 365)", "simulate_min_payment_plan(300, #3, 30, 40, 0.01, 1)", "simulate_min_payment_plan(#2, #4, 30, 40, 0.01, 1)", "subtract(#6[0], #5[0])" ], "question_tense": "FIRST", "financial_terms": [ "DAILY PERIODIC RATE", "CASH ADVANCE APR", "CASH ADVANCE FEE", "PURCHASE APR", "MINIMUM PAYMENT", "ACCOUNT BALANCE", "BILLING CYCLE", "MINIMUM FEE RULE", "BILLING-CYCLE INTEREST", "MINIMUM PAYMENT FORMULA", "TOTAL FEE CALCULATION", "365-DAY RATE BASIS", "MAXIMUM SELECTION", "CHASE CARD TERMS" ], "credit_card": "Starbucks Rewards Visa Signature Agreement.pdf-255606.md" }, { "question": "I withdrew $500 from my credit card using an ATM. How much higher are my total fees if I get charged the maximum Cash Advance APR compared to if I get charged the minimum Cash Advance APR specified in the agreement? Assume that all fees and interest are added at the end of each 30-day billing cycle, that I plan to make only the minimum payments, and that the new minimum payment each month is calculated solely from the updated balance (with no special payment obligations)?", "ground_truth": "25.00", "output_units": "$", "input_units": { "from_doc": { "%": 3, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 3, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "500", "arg_2": "0.05", "resp": 25.0 }, { "operator": "max", "arg_1": "10", "arg_2": "#0", "resp": 25.0 }, { "operator": "add", "arg_1": "500", "arg_2": "#1", "resp": 525.0 }, { "operator": "divide", "arg_1": "29.99", "arg_2": "365", "resp": 0.08216438356164384 }, { "operator": "divide", "arg_1": "24.99", "arg_2": "365", "resp": 0.06846575342465754 }, { "operator": "simulate_min_payment_plan", "arg_1": "#2, #3, 30, 40, 0.01", "arg_2": "1", "resp": [ 119, 17 ] }, { "operator": "simulate_min_payment_plan", "arg_1": "#2, #4, 30, 40, 0.01", "arg_2": "1", "resp": [ 94, 16 ] }, { "operator": "subtract", "arg_1": "#5[0]", "arg_2": "#6[0]", "resp": 25 } ], "program": [ "multiply(500, 0.05)", "max(10, #0)", "add(500, #1)", "divide(29.99, 365)", "divide(24.99, 365)", "simulate_min_payment_plan(#2, #3, 30, 40, 0.01, 1)", "simulate_min_payment_plan(#2, #4, 30, 40, 0.01, 1)", "subtract(#5[0], #6[0])" ], "question_tense": "FIRST", "financial_terms": [ "DAILY PERIODIC RATE", "CASH ADVANCE APR", "CASH ADVANCE FEE", "MINIMUM PAYMENT", "ACCOUNT BALANCE", "BILLING CYCLE", "MINIMUM FEE RULE", "ATM CASH ADVANCE", "BILLING-CYCLE INTEREST", "MINIMUM PAYMENT FORMULA", "TOTAL FEE CALCULATION", "365-DAY RATE BASIS", "MAXIMUM SELECTION" ], "credit_card": "Starbucks Rewards Visa Signature Agreement.pdf-255606.md" }, { "question": "A cardholder has an outstanding balance of $10,000 on their credit card account. On March 7th, they attempt to make a payment of $3,000, but the payment is returned unpaid on March 21th. Additionally, the cardholder has a past due amount of $500 from the previous billing cycle. The current payment is calculated as $35 minimum payment plus a new interest charge of $50 and late fee of $20. If the billing cycle ends on March 31st, and the payment due date is 30 days after the billing cycle closes, what date must the cardholder must pay the total minimum payment due?", "ground_truth": "April 30th", "output_units": "categorical", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 1, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 1, "year": 0, "$": 0, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "add", "arg_1": "March 31", "arg_2": "30", "resp": "April 30th" } ], "program": [ "add(March 31, 30)" ], "question_tense": "THIRD", "financial_terms": [ "LATE PAYMENT FEE", "RETURNED PAYMENT FEE", "MINIMUM PAYMENT", "ACCOUNT BALANCE", "BILLING CYCLE", "INTEREST ACCRUAL", "MINIMUM FEE RULE", "PAYMENT DUE DATE", "RETURNED ITEM FEE", "THIRTY-DAY INTEREST", "BILLING-CYCLE INTEREST", "MINIMUM PAYMENT FORMULA", "PAYMENT DUE DATE CALCULATION", "OUTSTANDING BALANCE", "MINIMUM PAYMENT DUE", "PAST-DUE BALANCE" ], "credit_card": "nfcu_573CC_3-24-461850.md" }, { "question": "A customer makes a purchase of 200 Euros (€) in France using their GapCoBrand credit card. According to the credit card agreement, a foreign transaction fee of 3% is applied to the converted U.S. dollar (USD) amount. The issuing bank uses the Visa/Mastercard exchange rate, which on the transaction date is 1 EUR = 1.10 USD. The customer reviews their statement and finds that they were charged $226.60 USD in total for the transaction. Based on the terms in the credit card agreement, is this charge correct?", "ground_truth": "TRUE", "output_units": "binary", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "200", "arg_2": "1.10", "resp": 220.0 }, { "operator": "divide", "arg_1": "3", "arg_2": "100", "resp": 0.03 }, { "operator": "multiply", "arg_1": "#0", "arg_2": "#1", "resp": 6.6 }, { "operator": "add", "arg_1": "#0", "arg_2": "#2", "resp": 226.6 }, { "operator": "equal", "arg_1": "#3", "arg_2": "226.60", "resp": "TRUE" } ], "program": [ "multiply(200, 1.10)", "divide(3, 100)", "multiply(#0, #1)", "add(#0, #2)", "equal(#3, 226.60)" ], "question_tense": "THIRD", "financial_terms": [ "PURCHASE TRANSACTION", "FOREIGN TRANSACTION FEE", "CURRENCY CONVERSION", "EXCHANGE RATE CONVERSION", "TRANSACTION FEE CALCULATION", "CHASE CARD TERMS", "GAP CARD TERMS", "FOREIGN FEE ON CONVERTED AMOUNT" ], "credit_card": "GAPCobrand_combined.md" }, { "question": "A cardholder has a balance of $2,500 on their account. They make a payment of $800, but the payment is returned unpaid in a later billing cycle. The returned payment fee is $40. Additionally, the cardholder has a past due amount of $150 from the previous billing cycle. The current payment is calculated as 1% of the balance plus any new interest charges and fees. If the cardholder also has a new interest charge of $25 and a late fee of $35 from the current billing cycle, what will be the new total minimum payment due?", "ground_truth": "275.00", "output_units": "$", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 5, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 5, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "1", "arg_2": "100", "resp": 0.01 }, { "operator": "multiply", "arg_1": "2500", "arg_2": "#0", "resp": 25.0 }, { "operator": "add", "arg_1": "#1", "arg_2": "25", "resp": 50.0 }, { "operator": "add", "arg_1": "#2", "arg_2": "35", "resp": 85.0 }, { "operator": "add", "arg_1": "#3", "arg_2": "40", "resp": 125.0 }, { "operator": "add", "arg_1": "#4", "arg_2": "150", "resp": 275.0 } ], "program": [ "divide(1, 100)", "multiply(2500, #0)", "add(#1, 25)", "add(#2, 35)", "add(#3, 40)", "add(#4, 150)" ], "question_tense": "THIRD", "financial_terms": [ "LATE PAYMENT FEE", "RETURNED PAYMENT FEE", "MINIMUM PAYMENT", "ACCOUNT BALANCE", "BILLING CYCLE", "INTEREST ACCRUAL", "MINIMUM FEE RULE", "RETURNED ITEM FEE", "BILLING-CYCLE INTEREST", "MINIMUM PAYMENT FORMULA", "PAST DUE AMOUNT", "PERCENTAGE-BASED FEE", "MINIMUM PAYMENT DUE", "PAST-DUE BALANCE" ], "credit_card": "GAPCobrand_combined.md" }, { "question": "Rory is deciding between the Navy Federal cashRewards Card which has no annual fee (and she would qualify for the maximum percentage of cash back) and the Premier Rewards Card which has $95 annual fee and 2.5% cash back. Rory want to reach $500 in cash rewards as quickly as possible and spends $1200 per month on purchases. How many more months will it take for the cashRewards card to reach $500 compared to the Premier Rewards card?", "ground_truth": "8", "output_units": "month", "input_units": { "from_doc": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "1200", "arg_2": "0.0175", "resp": 21.000000000000004 }, { "operator": "multiply", "arg_1": "1200", "arg_2": "0.025", "resp": 30 }, { "operator": "divide", "arg_1": "500", "arg_2": "#0", "resp": 23.809523809523807 }, { "operator": "divide", "arg_1": "500", "arg_2": "#1", "resp": 16.666666666666668 }, { "operator": "subtract", "arg_1": "#2", "arg_2": "#3", "resp": 7.142857142857139 }, { "operator": "ceil", "arg_1": "#4", "arg_2": "1", "resp": 8 } ], "program": [ "multiply(1200, 0.0175)", "multiply(1200, 0.025)", "divide(500, #0)", "divide(500, #1)", "subtract(#2, #3)", "ceil(#4, 1)" ], "question_tense": "THIRD", "financial_terms": [ "PURCHASE TRANSACTION", "ANNUAL FEE", "REWARDS", "MONTHLY PAYMENT", "CASH BACK REWARD", "ROUND-UP RULE", "CHASE CARD TERMS", "NAVY FEDERAL CARD TERMS", "MONTHLY FEE", "ANNUALIZED FEE" ], "credit_card": "nfcu_573CC_3-24-461850.md" }, { "question": "A GapCoBrand credit cardholder has the following balances on their statement: $500 at a 20% APR (purchases), $300 at a 25% APR (cash advances), $200 at a 15% APR (balance transfer). The cardholder makes a payment of $600, and according to the card agreement, payments above the minimum must be applied to balances with the highest APR first. The cardholder checks their statement and finds that their new balances are: $0 remaining on cash advances, $100 remaining on purchases, $200 remaining on balance transfers. Based on the payment allocation rules, is this payment applied correctly?", "ground_truth": "FALSE", "output_units": "binary", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 3, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 }, "total": { "%": 3, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "min", "arg_1": "600", "arg_2": "300", "resp": 300 }, { "operator": "subtract", "arg_1": "600", "arg_2": "#0", "resp": 300 }, { "operator": "min", "arg_1": "#1", "arg_2": "500", "resp": 300 }, { "operator": "subtract", "arg_1": "500", "arg_2": "#2", "resp": 200 }, { "operator": "equal", "arg_1": "#3", "arg_2": "100", "resp": "FALSE" } ], "program": [ "min(600, 300)", "subtract(600, #0)", "min(#1, 500)", "subtract(500, #2)", "equal(#3, 100)" ], "question_tense": "THIRD", "financial_terms": [ "PROMOTIONAL APR", "CASH ADVANCE APR", "BALANCE TRANSFER APR", "PURCHASE APR", "ACCOUNT BALANCE", "NEW BALANCE", "MINIMUM SELECTION", "CHASE CARD TERMS", "GAP CARD TERMS", "ZERO PERCENT PROMOTIONAL APR" ], "credit_card": "GAPCobrand_combined.md" }, { "question": "Ollie wants to apply for a promotional APR balance transfer. However, he already has a past due balance of $1,200. Is it true that he will be eligible?", "ground_truth": "FALSE", "output_units": "binary", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "less_equal", "arg_1": "1200", "arg_2": "0", "resp": "FALSE" }, { "operator": "greater_equal", "arg_1": "1200", "arg_2": "0", "resp": "TRUE" }, { "operator": "if", "arg_1": "#1", "arg_2": "True,False", "resp": "True,False" }, { "operator": "if", "arg_1": "#0", "arg_2": "#2,False", "resp": "False" } ], "program": [ "less_equal(1200, 0)", "greater_equal(1200, 0)", "if(#1, True,False)", "if(#0, #2,False)" ], "question_tense": "THIRD", "financial_terms": [ "PROMOTIONAL APR", "BALANCE TRANSFER APR", "ACCOUNT BALANCE", "PAST DUE AMOUNT", "CONDITIONAL FINANCIAL RULE", "PAST-DUE BALANCE" ], "credit_card": "nfcu_573CC_3-24-461850.md" }, { "question": "If the cardholder takes out a Visa Mastercard Platinum check cash advance at 22.99% APR, how much total interest will accrue on $1,500 advance after 8 months, assuming no payments? Assume interest is compounded monthly, despite what the document says, and ignore any cash advance fee, only consider the interest on $1500?", "ground_truth": "245.92", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 1, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 1, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "22.99", "arg_2": "100", "resp": 0.2299 }, { "operator": "divide", "arg_1": "#0", "arg_2": "12", "resp": 0.0191583333 }, { "operator": "add", "arg_1": "1", "arg_2": "#1", "resp": 1.0191583333 }, { "operator": "exponent", "arg_1": "#2", "arg_2": "8", "resp": 1.163947196 }, { "operator": "subtract", "arg_1": "#3", "arg_2": "1", "resp": 0.163947196 }, { "operator": "multiply", "arg_1": "1500", "arg_2": "#4", "resp": 245.920794 }, { "operator": "round", "arg_1": "#5", "arg_2": "2", "resp": 245.92 } ], "program": [ "divide(22.99, 100)", "divide(#0, 12)", "add(1, #1)", "exponent(#2, 8)", "subtract(#3, 1)", "multiply(1500, #4)", "round(#5, 2)" ], "question_tense": "THIRD", "financial_terms": [ "CASH ADVANCE APR", "CASH ADVANCE FEE", "CONVENIENCE CHECK", "MONTHLY COMPOUNDING", "INTEREST ACCRUAL", "MONTHLY COMPOUNDING INTEREST", "ROUNDING RULE", "EXPONENTIAL INTEREST CALCULATION", "VISA MASTERCARD TERMS", "INTEREST OWED", "NO-PAYMENT SCENARIO" ], "credit_card": "Visa_Mastercard_Platinum_Siganture_World_Infinite_English-290260.md" }, { "question": "The cardholder has $2500 balance with $40 interest charges and $20 in other fees. Card A has a minimum payment calculation of 1% of the principal balance plus fees and interest. Another card has a minimum payment policy of 1.5% of the principal balance plus fees and interest. Which card is better?", "ground_truth": "Card A", "output_units": "categorical", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "0.01", "arg_2": "2500", "resp": 25 }, { "operator": "add", "arg_1": "#0", "arg_2": "40", "resp": 65 }, { "operator": "add", "arg_1": "#1", "arg_2": "20", "resp": 85 }, { "operator": "multiply", "arg_1": "0.015", "arg_2": "2500", "resp": 37.5 }, { "operator": "add", "arg_1": "#3", "arg_2": "40", "resp": 77.5 }, { "operator": "add", "arg_1": "#4", "arg_2": "20", "resp": 97.5 }, { "operator": "less", "arg_1": "#2", "arg_2": "#5", "resp": "TRUE" }, { "operator": "if", "arg_1": "#6", "arg_2": "Card A", "arg_3": "Other Card", "resp": "Card A" } ], "program": [ "multiply(0.01, 2500)", "add(#0, 40)", "add(#1, 20)", "multiply(0.015, 2500)", "add(#3, 40)", "add(#4, 20)", "less(#2, #5)", "if(#6, Card A, Other Card)" ], "question_tense": "THIRD", "financial_terms": [ "MINIMUM PAYMENT", "MINIMUM INTEREST CHARGE", "ACCOUNT BALANCE", "INTEREST ACCRUAL", "MINIMUM FEE RULE", "MINIMUM PAYMENT FORMULA", "PRINCIPAL REDUCTION", "CARD OPTION COMPARISON", "CONDITIONAL FINANCIAL RULE", "PERCENTAGE-BASED FEE" ], "credit_card": "GAPPrivateLabel_combined.md" }, { "question": "Ping transferred $6,200 at the promotional APR for 15 months. However, she missed the final payment,. If she does not pay off the remaining balance of $2,500 within 2 more months, how much will she owe with daily compounding?", "ground_truth": "2576.28", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 1, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 1, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "0.18", "arg_2": "365", "resp": 0.0004931506849315068 }, { "operator": "add", "arg_1": "#0", "arg_2": "1", "resp": 1.0004931506849315 }, { "operator": "exponent", "arg_1": "#1", "arg_2": "60", "resp": 1.0305123489911512 }, { "operator": "multiply", "arg_1": "2500", "arg_2": "#2", "resp": "2576.280872477878" } ], "program": [ "divide(0.18, 365)", "add(#0, 1)", "exponent(#1, 60)", "multiply(2500, #2)" ], "question_tense": "THIRD", "financial_terms": [ "PROMOTIONAL APR", "LATE PAYMENT", "ACCOUNT BALANCE", "DAILY COMPOUNDING", "PAYOFF TIME", "DAILY COMPOUNDING INTEREST", "BALANCE PAYOFF", "REMAINING BALANCE", "PIN SECURITY LIABILITY", "365-DAY RATE BASIS", "EXPONENTIAL INTEREST CALCULATION" ], "credit_card": "nfcu_573CC_3-24-461850.md" }, { "question": "What is the difference in interest accumulated per 10 days on a purchase if I was a risky borrower compared to if I was not a risky borrower? Answer as a percentage rounded to 2 decimal places?", "ground_truth": "0.28", "output_units": "%", "input_units": { "from_doc": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 1, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 1, "year": 0, "$": 0, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "19.99", "arg_2": "36500", "resp": 0.0005476712328767123 }, { "operator": "divide", "arg_1": "29.99", "arg_2": "36500", "resp": 0.0008216438356164383 }, { "operator": "add", "arg_1": "1", "arg_2": "#0", "resp": 1.0005476712328767 }, { "operator": "add", "arg_1": "1", "arg_2": "#1", "resp": 1.0008216438356163 }, { "operator": "exponent", "arg_1": "#2", "arg_2": "10", "resp": 1.0054923395304287 }, { "operator": "exponent", "arg_1": "#3", "arg_2": "10", "resp": 1.0082544584638098 }, { "operator": "subtract", "arg_1": "#5", "arg_2": "#4", "resp": 0.002762118933380931 }, { "operator": "multiply", "arg_1": "#6", "arg_2": "100", "resp": 0.2762118933380931 }, { "operator": "round", "arg_1": "#7", "arg_2": "2", "resp": 0.28 } ], "program": [ "divide(19.99, 36500)", "divide(29.99, 36500)", "add(1, #0)", "add(1, #1)", "exponent(#2, 10)", "exponent(#3, 10)", "subtract(#5, #4)", "multiply(#6, 100)", "round(#7, 2)" ], "question_tense": "THIRD", "financial_terms": [ "PENALTY APR", "PURCHASE APR", "CREDIT TIER", "INTEREST ACCRUAL", "PERCENTAGE CALCULATION", "FINANCIAL DIFFERENCE", "RISK-BASED APR", "ROUNDING RULE", "365-DAY RATE BASIS", "EXPONENTIAL INTEREST CALCULATION", "CHASE CARD TERMS" ], "credit_card": "Starbucks Rewards Visa Signature Agreement.pdf-255606.md" }, { "question": "The credit card agreement specifies that if the statement balance is $30 or more, the Minimum Payment Due equals the greater of $30 or the sum of 1% of the principal balance, any billed interest charges, and any applicable fees (e.g., late payment fees). If a customer has a statement balance of $1,200, with $20 in billed interest charges and $41 late payment fee, what is their Minimum Payment Due?", "ground_truth": "72.39", "output_units": "$", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 4, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "add", "arg_1": "20", "arg_2": "41", "resp": 61 }, { "operator": "subtract", "arg_1": "1200", "arg_2": "#0", "resp": 1139 }, { "operator": "divide", "arg_1": "1", "arg_2": "100", "resp": 0.01 }, { "operator": "multiply", "arg_1": "#1", "arg_2": "#2", "resp": 11.39 }, { "operator": "add", "arg_1": "#3", "arg_2": "#0", "resp": 72.39 }, { "operator": "max", "arg_1": "#4", "arg_2": "30", "resp": 72.39 } ], "program": [ "add(20, 41)", "subtract(1200, #0)", "divide(1, 100)", "multiply(#1, #2)", "add(#3, #0)", "max(#4, 30)" ], "question_tense": "THIRD", "financial_terms": [ "LATE PAYMENT FEE", "MINIMUM PAYMENT", "ACCOUNT BALANCE", "INTEREST ACCRUAL", "MINIMUM MAXIMUM FEE RULE", "GREATER-OF FEE RULE", "MINIMUM PAYMENT FORMULA", "PRINCIPAL REDUCTION", "MAXIMUM SELECTION", "PERCENTAGE-BASED FEE", "MINIMUM PAYMENT DUE" ], "credit_card": "GAPCobrand_combined.md" }, { "question": "I made a purchase for $1000 with my credit card. If I am charged the maximum APR because I am risky borrower and only make the minimum payment every month, with fees and interest added at the end of each 30-day billing cycle and the new minimum payment each month based solely on the updated balance, will I be able to pay it off in 3 years?", "ground_truth": "FALSE", "output_units": "binary", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 1, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 1, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "simulate_min_payment_plan", "arg_1": "1000, 0.08217, 30, 40, 0.01", "arg_2": "1", "resp": [ 587, 40 ] }, { "operator": "multiply", "arg_1": "3", "arg_2": "12", "resp": 36 }, { "operator": "less_equal", "arg_1": "#0[1]", "arg_2": "#1", "resp": "FALSE" } ], "program": [ "simulate_min_payment_plan(1000, 0.08217, 30, 40, 0.01, 1)", "multiply(3, 12)", "less_equal(#0[1], #1)" ], "question_tense": "FIRST", "financial_terms": [ "DAILY PERIODIC RATE", "PURCHASE APR", "MINIMUM PAYMENT", "ACCOUNT BALANCE", "CREDIT TIER", "BILLING CYCLE", "MINIMUM FEE RULE", "MAXIMUM APR TEST", "BILLING-CYCLE INTEREST", "MINIMUM PAYMENT FORMULA", "RISK-BASED APR", "CHASE CARD TERMS", "MINIMUM-ONLY REPAYMENT" ], "credit_card": "Starbucks Rewards Visa Signature Agreement.pdf-255606.md" }, { "question": "Given the balance transfer data for Bob and Mark's billing cycles, calculate their balances using the average balance method, apply the balance transfer fee and return the percent difference between the two amounts. Assume the highest balance transfer fee for Bob and a midpoint transfer fee for Mark and that Mark has $200 balance transfer from the previous billing cycle whose stamping occurs in this billing cycle. Here is the data presented in dictionary format: Mark = {Monday: $1500, Tuesday: $140, Wednesday: $0, Thursday: $0, Friday: $1000} Bob = {Monday: $200, Tuesday: $0, Wednesday: $1400, Thursday: $0, Friday: $2000}?", "ground_truth": "37.68", "output_units": "%", "input_units": { "from_doc": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 10, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 10, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "add", "arg_1": "1500", "arg_2": "140", "resp": 1640 }, { "operator": "add", "arg_1": "#0", "arg_2": "0", "resp": 1640 }, { "operator": "add", "arg_1": "#1", "arg_2": "0", "resp": 1640 }, { "operator": "add", "arg_1": "#2", "arg_2": "1000", "resp": 2640 }, { "operator": "divide", "arg_1": "#3", "arg_2": "5", "resp": 528 }, { "operator": "multiply", "arg_1": "#4", "arg_2": "1.04", "resp": 549.12 }, { "operator": "add", "arg_1": "200", "arg_2": "0", "resp": 200 }, { "operator": "add", "arg_1": "#6", "arg_2": "1400", "resp": 1600 }, { "operator": "add", "arg_1": "#7", "arg_2": "0", "resp": 1600 }, { "operator": "add", "arg_1": "#8", "arg_2": "2000", "resp": 3600 }, { "operator": "divide", "arg_1": "#9", "arg_2": "5", "resp": 720 }, { "operator": "multiply", "arg_1": "#10", "arg_2": "1.05", "resp": 756 }, { "operator": "subtract", "arg_1": "#11", "arg_2": "#5", "resp": 206.88 }, { "operator": "divide", "arg_1": "#12", "arg_2": "#5", "resp": 0.3767482517482517 }, { "operator": "multiply", "arg_1": "#13", "arg_2": "100", "resp": 37.67482517482517 } ], "program": [ "add(1500, 140)", "add(#0, 0)", "add(#1, 0)", "add(#2, 1000)", "divide(#3, 5)", "multiply(#4, 1.04)", "add(200, 0)", "add(#6, 1400)", "add(#7, 0)", "add(#8, 2000)", "divide(#9, 5)", "multiply(#10, 1.05)", "subtract(#11, #5)", "divide(#12, #5)", "multiply(#13, 100)" ], "question_tense": "THIRD", "financial_terms": [ "BALANCE TRANSFER FEE", "ACCOUNT BALANCE", "BILLING CYCLE", "PERCENTAGE CALCULATION", "BILLING-CYCLE INTEREST", "PIN SECURITY LIABILITY", "FINANCIAL DIFFERENCE", "PERCENT DIFFERENCE" ], "credit_card": "GAPCobrand_combined.md" }, { "question": "If a cardholder transfers $3,000 per month, how many months will it take for their total balance transfer fees to exceed $500? The card in question has a balance transfer fee policy of the higher of either 3% of the transfer amount of $5?", "ground_truth": "6", "output_units": "month", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": 3000, "arg_2": 0.03, "resp": 90 }, { "operator": "max", "arg_1": 5, "arg_2": "#0", "resp": 90 }, { "operator": "divide", "arg_1": 500, "arg_2": "#1", "resp": 5.555555555555555 }, { "operator": "ceil", "arg_1": "#2", "resp": 6 } ], "program": [ "multiply(3000, 0.03)", "max(5, #0)", "divide(500, #1)", "ceil(#2)" ], "question_tense": "THIRD", "financial_terms": [ "BALANCE TRANSFER FEE", "ACCOUNT BALANCE", "PAYOFF TIME", "MONTHLY PAYMENT", "TOTAL BALANCE", "ROUND-UP RULE", "MAXIMUM SELECTION", "PERCENTAGE-BASED FEE", "CUMULATIVE FEE TOTAL", "MONTHLY FEE" ], "credit_card": "Discover Near Prime Cardmember Agreement_061824-255535.md" }, { "question": "Say I have $4,000 balance on my credit card with an APR of 19.24%, compounded daily. I plan to pay $200 per month toward the outstanding balance. How much interest will accrue in the first 30 days if no payments are made during that time?", "ground_truth": "63.74", "output_units": "$", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 1, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 1, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "19.24", "arg_2": "100", "resp": 0.1924 }, { "operator": "divide", "arg_1": "#0", "arg_2": "365", "resp": 0.0005271232876712329 }, { "operator": "add", "arg_1": "1", "arg_2": "#1", "resp": 1.0005271232876711 }, { "operator": "exponent", "arg_1": "#2", "arg_2": "30", "resp": 1.0159351640512124 }, { "operator": "multiply", "arg_1": "4000", "arg_2": "#3", "resp": 4063.7406562048495 }, { "operator": "subtract", "arg_1": "#4", "arg_2": "4000", "resp": 63.74065620484953 }, { "operator": "round", "arg_1": "#5", "arg_2": "2", "resp": 63.74 } ], "program": [ "divide(19.24, 100)", "divide(#0, 365)", "add(1, #1)", "exponent(#2, 30)", "multiply(4000, #3)", "subtract(#4, 4000)", "round(#5, 2)" ], "question_tense": "FIRST", "financial_terms": [ "DAILY PERIODIC RATE", "PURCHASE APR", "ACCOUNT BALANCE", "DAILY COMPOUNDING", "DAILY COMPOUNDING INTEREST", "THIRTY-DAY INTEREST", "MONTHLY PAYMENT", "OUTSTANDING BALANCE", "ROUNDING RULE", "365-DAY RATE BASIS", "EXPONENTIAL INTEREST CALCULATION", "NO-PAYMENT SCENARIO" ], "credit_card": "US_Bank_Elan_Financial.md" }, { "question": "Using the Discover Near Prime Card's specified APR. Assume there is a special promotion on this card that offers 0% APR on balance transfers for 12 months, after which the APR rate applies. If I make a balance transfer such that the transfer amount and balance transfer fee sum to a total of $5000 and make monthly payments of $50 (assume this is more than the minimum payment due for each month for simplicity), how much would I have remaining in my balance for the APR rate to apply?", "ground_truth": "4400.00", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 1, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 1, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": 50, "arg_2": 12, "resp": 600 }, { "operator": "subtract", "arg_1": 5000, "arg_2": "#0", "resp": 4400 } ], "program": [ "multiply(50, 12)", "subtract(5000, #0)" ], "question_tense": "FIRST", "financial_terms": [ "PROMOTIONAL APR", "BALANCE TRANSFER APR", "BALANCE TRANSFER FEE", "MINIMUM PAYMENT", "ACCOUNT BALANCE", "MINIMUM FEE RULE", "MONTHLY PAYMENT", "MINIMUM PAYMENT FORMULA", "DISCOVER CARD TERMS", "BALANCE TRANSFER MINIMUM FEE", "MINIMUM PAYMENT DUE", "PROMOTIONAL PERIOD REMAINING BALANCE", "ZERO PERCENT PROMOTIONAL APR", "POST-PROMOTIONAL APR" ], "credit_card": "Discover Near Prime Cardmember Agreement_061824-255535.md" }, { "question": "The cardholder has $1800 principal balance. the cardholder has a monthly interest charge of $36. the cardholder has $25 late fee and $20 returned payment fee, as well as an easy pay installment of $50. the cardholder has $140 in the cardholder's checking account. Will the cardholder be able to cover the minimum payment this month, considering only these fees?", "ground_truth": "FALSE", "output_units": "binary", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 4, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 5, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "0.01", "arg_2": "1800", "resp": 18 }, { "operator": "add", "arg_1": "#0", "arg_2": "36", "resp": 54 }, { "operator": "add", "arg_1": "#1", "arg_2": "25", "resp": 79 }, { "operator": "add", "arg_1": "#2", "arg_2": "20", "resp": 99 }, { "operator": "add", "arg_1": "#3", "arg_2": "50", "resp": 149 }, { "operator": "greater", "arg_1": "140", "arg_2": "#4", "resp": "FALSE" } ], "program": [ "multiply(0.01, 1800)", "add(#0, 36)", "add(#1, 25)", "add(#2, 20)", "add(#3, 50)", "greater(140, #4)" ], "question_tense": "THIRD", "financial_terms": [ "LATE PAYMENT FEE", "RETURNED PAYMENT FEE", "MINIMUM PAYMENT", "PAYMENT PLAN", "ACCOUNT BALANCE", "INTEREST ACCRUAL", "MINIMUM FEE RULE", "EASY PAY APR", "MINIMUM PAYMENT FORMULA", "PRINCIPAL REDUCTION" ], "credit_card": "GAPPrivateLabel_combined.md" }, { "question": "Cassie is going to France, Germany, and Italy for 3 weeks. She expects no foreign transaction fee and during her trip she books a €2,000 hotel in France, spends €900 at restaurants in Germany, and €1,500 on shopping in Italy.. She also purchases €1,200 worth of business software from an Italian company’s website for work. She also withdraws €400 from an ATM in Germany. When checking her statement, she notices that tht total amount charged in USD is higher than expected as she expected a 1 USD = 1.08 EUR conversion rate at the time of her hotel booking, 1.10 EUR for her restaurant and shopping expenses, 1.09 EUR for the software purchase, and 1.07 at the time of her ATM withdraw. Cassie assumes that she should have paid a a total of $5500 but there is a higher amount on her statement. How much extra did she pay due to exchange rate fluctionations and ATM fees?", "ground_truth": "9.42", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 10, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 11, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "2000", "arg_2": "1.08", "resp": 1851.85 }, { "operator": "divide", "arg_1": "900", "arg_2": "1.10", "resp": 818.18 }, { "operator": "divide", "arg_1": "1500", "arg_2": "1.10", "resp": 1363.64 }, { "operator": "divide", "arg_1": "1200", "arg_2": "1.09", "resp": 1100.92 }, { "operator": "divide", "arg_1": "400", "arg_2": "1.07", "resp": 373.83 }, { "operator": "add", "arg_1": "#0", "arg_2": "#1", "resp": 2670.03 }, { "operator": "add", "arg_1": "#5", "arg_2": "#2", "resp": 4033.67 }, { "operator": "add", "arg_1": "#6", "arg_2": "#3", "resp": 5134.59 }, { "operator": "add", "arg_1": "#7", "arg_2": "#4", "resp": 5508.42 }, { "operator": "add", "arg_1": "#8", "arg_2": "1.00", "resp": 5509.42 }, { "operator": "subtract", "arg_1": "#9", "arg_2": "5500", "resp": "9.42" } ], "program": [ "divide(2000, 1.08)", "divide(900, 1.10)", "divide(1500, 1.10)", "divide(1200, 1.09)", "divide(400, 1.07)", "add(#0, #1)", "add(#5, #2)", "add(#6, #3)", "add(#7, #4)", "add(#8, 1.00)", "subtract(#9, 5500)" ], "question_tense": "THIRD", "financial_terms": [ "CASH ADVANCE FEE", "PURCHASE TRANSACTION", "FOREIGN TRANSACTION FEE", "CURRENCY CONVERSION", "ATM CASH ADVANCE", "EXCHANGE RATE CONVERSION", "PIN SECURITY LIABILITY", "TRANSACTION FEE CALCULATION", "CHASE CARD TERMS" ], "credit_card": "nfcu_573CC_3-24-461850.md" }, { "question": "How much extra would I accumulate on $2000 cash advance over the course of 20 days if I was considered a risky borrower compared to if I was not a risky borrower?", "ground_truth": "0.00", "output_units": "$", "input_units": { "from_doc": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 1, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 1, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "29.99", "arg_2": "36500", "resp": 0.0008216438356164383 }, { "operator": "divide", "arg_1": "29.99", "arg_2": "36500", "resp": 0.0008216438356164383 }, { "operator": "add", "arg_1": "1", "arg_2": "#0", "resp": 1.0008216438356163 }, { "operator": "add", "arg_1": "1", "arg_2": "#1", "resp": 1.0008216438356163 }, { "operator": "exponent", "arg_1": "#2", "arg_2": "20", "resp": 1.016561 }, { "operator": "exponent", "arg_1": "#3", "arg_2": "20", "resp": 1.016561 }, { "operator": "subtract", "arg_1": "#4", "arg_2": "#5", "resp": 0.0 }, { "operator": "multiply", "arg_1": "2000", "arg_2": "#6", "resp": 0.0 }, { "operator": "round", "arg_1": "#7", "arg_2": "2", "resp": 0.0 } ], "program": [ "divide(29.99, 36500)", "divide(29.99, 36500)", "add(1, #0)", "add(1, #1)", "exponent(#2, 20)", "exponent(#3, 20)", "subtract(#4, #5)", "multiply(2000, #6)", "round(#7, 2)" ], "question_tense": "FIRST", "financial_terms": [ "PENALTY APR", "CASH ADVANCE", "CREDIT TIER", "RISK-BASED APR", "ROUNDING RULE", "365-DAY RATE BASIS", "EXPONENTIAL INTEREST CALCULATION" ], "credit_card": "CostcoAnywhereVisa.md" }, { "question": "How much extra would I accumulate on $2000 cash advance over the course of 20 days if I was considered a ricky borrower compared to if I was not a risky borrower?", "ground_truth": "0.00", "output_units": "$", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 1, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 1, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "29.99", "arg_2": "36500", "resp": 0.0008216438356164383 }, { "operator": "divide", "arg_1": "29.99", "arg_2": "36500", "resp": 0.0008216438356164383 }, { "operator": "add", "arg_1": "1", "arg_2": "#0", "resp": 1.0008216438356163 }, { "operator": "add", "arg_1": "1", "arg_2": "#1", "resp": 1.0008216438356163 }, { "operator": "exponent", "arg_1": "#2", "arg_2": "20", "resp": 1.0165596177744576 }, { "operator": "exponent", "arg_1": "#3", "arg_2": "20", "resp": 1.0165596177744576 }, { "operator": "subtract", "arg_1": "#4", "arg_2": "#5", "resp": 0.0 }, { "operator": "multiply", "arg_1": "2000", "arg_2": "#6", "resp": 0.0 }, { "operator": "round", "arg_1": "#7", "arg_2": "2", "resp": 0.0 } ], "program": [ "divide(29.99, 36500)", "divide(29.99, 36500)", "add(1, #0)", "add(1, #1)", "exponent(#2, 20)", "exponent(#3, 20)", "subtract(#4, #5)", "multiply(2000, #6)", "round(#7, 2)" ], "question_tense": "FIRST", "financial_terms": [ "PENALTY APR", "CASH ADVANCE", "CREDIT TIER", "RISK-BASED APR", "ROUNDING RULE", "365-DAY RATE BASIS", "EXPONENTIAL INTEREST CALCULATION" ], "credit_card": "Starbucks Rewards Visa Signature Agreement.pdf-255606.md" }, { "question": "The cardholder makes $1200 purchase that qualifies for an easy pay offer. If the promotional APR is 15%, with monthly compounding, and the term is 12 months, what is the total interest accumulated?", "ground_truth": "192.91", "output_units": "$", "input_units": { "from_doc": { "%": 1, "month": 1, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 1, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "0.15", "arg_2": "12", "resp": 0.0125 }, { "operator": "add", "arg_1": "1", "arg_2": "#0", "resp": 1.0125 }, { "operator": "exponent", "arg_1": "#1", "arg_2": "12", "resp": 1.160754 }, { "operator": "multiply", "arg_1": "1200", "arg_2": "#2", "resp": 1392.91 }, { "operator": "subtract", "arg_1": "#3", "arg_2": "1200", "resp": 192.91 } ], "program": [ "divide(0.15, 12)", "add(1, #0)", "exponent(#1, 12)", "multiply(1200, #2)", "subtract(#3, 1200)" ], "question_tense": "THIRD", "financial_terms": [ "PROMOTIONAL APR", "PURCHASE APR", "PAYMENT PLAN", "MONTHLY COMPOUNDING", "INTEREST ACCRUAL", "PAYOFF TIME", "EASY PAY APR", "MONTHLY COMPOUNDING INTEREST", "BALANCE PAYOFF", "EXPONENTIAL INTEREST CALCULATION", "CHASE CARD TERMS" ], "credit_card": "GAPPrivateLabel_combined.md" }, { "question": "A customer makes a purchase of $1000 at a purchase APR of 15%. If they don't make any payments, how long will it take for the interest owed to be over $100?", "ground_truth": "1", "output_units": "month", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 1 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 1 } }, "steps": [ { "operator": "divide", "arg_1": "100", "arg_2": "1500", "resp": 0.06666666666666667 }, { "operator": "add", "arg_1": "1", "arg_2": "#0", "resp": 1.0666666666666667 }, { "operator": "ln", "arg_1": "#1", "arg_2": "1", "resp": 0.06453852113757116 }, { "operator": "ln", "arg_1": "12.5", "arg_2": "1", "resp": 2.5257286443082556 }, { "operator": "divide", "arg_1": "#2", "arg_2": "#3", "resp": 0.025552436633685532 }, { "operator": "multiply", "arg_1": "#4", "arg_2": "12", "resp": 0.3066292396042264 }, { "operator": "ceil", "arg_1": "#5", "arg_2": "1", "resp": 1 } ], "program": [ "divide(100, 1500)", "add(1, #0)", "ln(#1, 1)", "ln(12.5, 1)", "divide(#2, #3)", "multiply(#4, 12)", "ceil(#5, 1)" ], "question_tense": "THIRD", "financial_terms": [ "PURCHASE APR", "PAYMENT PLAN", "PAYOFF TIME", "ROUND-UP RULE", "LOGARITHMIC PAYOFF CALCULATION", "CHASE CARD TERMS", "INTEREST OWED" ], "credit_card": "Visa Agreement (for in-branch offers).pdf-255597.md" }, { "question": "If $600 Overdraft Protection Cash Advance on a Visa Mastercard Platinum card carries 3% monthly interest, how much interest will accrue after 4 months? In this hypothetical situation, interest is compounded monthly despite what the document says and there is no fee associated witht he transaction. Give the answer in dollars rounded to two places after the decimal point?", "ground_truth": "75.31", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 1, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 1, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "3", "arg_2": "0.01", "resp": 0.03 }, { "operator": "add", "arg_1": "1", "arg_2": "#0", "resp": 1.03 }, { "operator": "exponent", "arg_1": "#1", "arg_2": "4", "resp": 1.12550881 }, { "operator": "multiply", "arg_1": "600", "arg_2": "#2", "resp": 675.305286 }, { "operator": "subtract", "arg_1": "#3", "arg_2": "600", "resp": 75.305286 }, { "operator": "round", "arg_1": "#4", "arg_2": "2", "resp": 75.31 } ], "program": [ "multiply(3, 0.01)", "add(1, #0)", "exponent(#1, 4)", "multiply(600, #2)", "subtract(#3, 600)", "round(#4, 2)" ], "question_tense": "THIRD", "financial_terms": [ "CASH ADVANCE APR", "CASH ADVANCE FEE", "MONTHLY COMPOUNDING", "MONTHLY COMPOUNDING INTEREST", "ROUNDING RULE", "EXPONENTIAL INTEREST CALCULATION", "VISA MASTERCARD TERMS" ], "credit_card": "Visa_Mastercard_Platinum_Siganture_World_Infinite_English-290260.md" }, { "question": "\"A customer takes $3,000 cash advance with an APR of 29.24%, meaning interest accrues daily at a DPR of 0.0008011. Their minimum payment due is $100, and the due date is in 60 days. Will the total accrued interest exceed the minimum payment by the due date?\"?", "ground_truth": "TRUE", "output_units": "binary", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 1, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 1, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "3000", "arg_2": "0.0008011", "resp": 2.4033 }, { "operator": "multiply", "arg_1": "#0", "arg_2": "60", "resp": 144.198 }, { "operator": "greater", "arg_1": "#1", "arg_2": "100", "resp": "TRUE" } ], "program": [ "multiply(3000, 0.0008011)", "multiply(#0, 60)", "greater(#1, 100)" ], "question_tense": "THIRD", "financial_terms": [ "DAILY PERIODIC RATE", "APR TO DPR CONVERSION", "CASH ADVANCE APR", "MINIMUM PAYMENT", "INTEREST ACCRUAL", "PAYMENT DUE DATE", "MINIMUM PAYMENT FORMULA", "PAYMENT DUE DATE CALCULATION", "MINIMUM PAYMENT DUE", "INTEREST THRESHOLD" ], "credit_card": "US_Bank_Elan_Financial.md" }, { "question": "On $600 balance transfer and a balance transfer APR of 10%, how much interest will be owed after 2 months if the interest consists of just the balance APR being compounded daily. Assume there are 30 days per month on average. Round to two places after the decimal point?", "ground_truth": "9.94", "output_units": "$", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 1, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 1, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "10", "arg_2": "36500", "resp": 0.000273972602739726 }, { "operator": "multiply", "arg_1": "2", "arg_2": "30", "resp": 60 }, { "operator": "add", "arg_1": "1", "arg_2": "#0", "resp": 1.0002739726027396 }, { "operator": "exponent", "arg_1": "#2", "arg_2": "#1", "resp": 1.0165745357959663 }, { "operator": "subtract", "arg_1": "#3", "arg_2": "1", "resp": 0.0165745357959664 }, { "operator": "multiply", "arg_1": "600", "arg_2": "#4", "resp": 9.944721477579842 }, { "operator": "round", "arg_1": "#5", "arg_2": "2", "resp": 9.94 } ], "program": [ "divide(10, 36500)", "multiply(2, 30)", "add(1, #0)", "exponent(#2, #1)", "subtract(#3, 1)", "multiply(600, #4)", "round(#5, 2)" ], "question_tense": "THIRD", "financial_terms": [ "BALANCE TRANSFER APR", "ACCOUNT BALANCE", "DAILY COMPOUNDING", "DAILY COMPOUNDING INTEREST", "THIRTY-DAY INTEREST", "MONTHLY PAYMENT", "ROUNDING RULE", "365-DAY RATE BASIS", "EXPONENTIAL INTEREST CALCULATION" ], "credit_card": "Visa Agreement (for in-branch offers).pdf-255597.md" }, { "question": "If I transfer a balance of $200 at the start of the month to this card, the original balance transfer fee amount will account for what percentage of the total balance due at the end of 10 days?", "ground_truth": 4.74, "output_units": "%", "input_units": { "from_doc": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 1, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 1, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "5", "arg_2": "100", "resp": 0.05 }, { "operator": "multiply", "arg_1": "200", "arg_2": "#0", "resp": 10.0 }, { "operator": "max", "arg_1": "#1", "arg_2": "5", "resp": 10.0 }, { "operator": "add", "arg_1": "200", "arg_2": "#2", "resp": 210.0 }, { "operator": "divide", "arg_1": "20.49", "arg_2": "36500", "resp": 0.0005613698630136986 }, { "operator": "add", "arg_1": "1", "arg_2": "#4", "resp": 1.0005613698630138 }, { "operator": "exponent", "arg_1": "#5", "arg_2": "10", "resp": 1.005624 }, { "operator": "multiply", "arg_1": "#3", "arg_2": "#6", "resp": 211.18104 }, { "operator": "divide", "arg_1": "#2", "arg_2": "#7", "resp": 0.047352 }, { "operator": "multiply", "arg_1": "#8", "arg_2": "100", "resp": 4.7352 }, { "operator": "round", "arg_1": "#9", "arg_2": "2", "resp": 4.74 } ], "program": [ "divide(5, 100)", "multiply(200, #0)", "max(#1, 5)", "add(200, #2)", "divide(20.49, 36500)", "add(1, #4)", "exponent(#5, 10)", "multiply(#3, #6)", "divide(#2, #7)", "multiply(#8, 100)", "round(#9, 2)" ], "question_tense": "FIRST", "financial_terms": [ "BALANCE TRANSFER FEE", "ACCOUNT BALANCE", "PERCENTAGE CALCULATION", "TOTAL BALANCE", "ROUNDING RULE", "365-DAY RATE BASIS", "MAXIMUM SELECTION", "EXPONENTIAL INTEREST CALCULATION" ], "credit_card": "CostcoAnywhereVisa.md" }, { "question": "If I transfer a debt of $200 to my credit card at the beginning of the month, what percentage of the initial transferred amount will I pay including all the fees and interest at the end of the month?", "ground_truth": "106.78", "output_units": "%", "input_units": { "from_doc": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "5", "arg_2": "100", "resp": 0.05 }, { "operator": "add", "arg_1": "1", "arg_2": "#0", "resp": 1.05 }, { "operator": "multiply", "arg_1": "200", "arg_2": "#1", "resp": 210.0 }, { "operator": "add", "arg_1": "200", "arg_2": "5", "resp": 205.0 }, { "operator": "max", "arg_1": "#3", "arg_2": "#2", "resp": 210.0 }, { "operator": "divide", "arg_1": "20.49", "arg_2": "36500", "resp": 0.0005614 }, { "operator": "add", "arg_1": "1", "arg_2": "#5", "resp": 1.0005614 }, { "operator": "exponent", "arg_1": "#6", "arg_2": "30", "resp": 1.01697 }, { "operator": "multiply", "arg_1": "#4", "arg_2": "#7", "resp": 213.5637 }, { "operator": "divide", "arg_1": "#8", "arg_2": "200", "resp": 1.0678185 }, { "operator": "multiply", "arg_1": "#9", "arg_2": "100", "resp": 106.78185 }, { "operator": "round", "arg_1": "#10", "arg_2": "2", "resp": 106.78 } ], "program": [ "divide(5, 100)", "add(1, #0)", "multiply(200, #1)", "add(200, 5)", "max(#3, #2)", "divide(20.49, 36500)", "add(1, #5)", "exponent(#6, 30)", "multiply(#4, #7)", "divide(#8, 200)", "multiply(#9, 100)", "round(#10, 2)" ], "question_tense": "FIRST", "financial_terms": [ "BALANCE TRANSFER APR", "BALANCE TRANSFER FEE", "PERCENTAGE CALCULATION", "ROUNDING RULE", "365-DAY RATE BASIS", "MAXIMUM SELECTION", "EXPONENTIAL INTEREST CALCULATION" ], "credit_card": "CostcoAnywhereVisa.md" }, { "question": "A bank assigns direct deposit fee categories based on direct deposit amounts per month: \"Small\": Deposits less than $4,000 \"Medium\": Deposits between $4,000 and $15,000 \"High\": Deposits more than $15,000 I direct deposit $16,000 per month. What category does this fall into?", "ground_truth": "High", "output_units": "categorical", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "less", "arg_1": 16000, "arg_2": 4000, "resp": "FALSE" }, { "operator": "greater", "arg_1": 16000, "arg_2": 15000, "resp": "TRUE" }, { "operator": "if", "arg_1": "#1", "arg_2": "High", "arg_3": { "operator": "if", "arg_1": "#0", "arg_2": "Small", "arg_3": "Medium" }, "resp": "High" } ], "program": [ "less(16000, 4000)", "greater(16000, 15000)", "if(#1, High, {'operator': 'if', 'arg_1': '#0', 'arg_2': 'Small', 'arg_3': 'Medium'})" ], "question_tense": "THIRD", "financial_terms": [ "DIRECT DEPOSIT", "MONTHLY PAYMENT", "FINANCIAL CATEGORY CLASSIFICATION", "CONDITIONAL FINANCIAL RULE", "MONTHLY FEE", "DIRECT DEPOSIT FEE" ], "credit_card": "Wells Fargo Autograph Journey Visa® Card Agreement-442574.md" }, { "question": "A credit card statement issued on May 3 shows a new balance of $6,850. The minimum payment is the greater of $40 or 1% of my new balance, rounded up to the nearest dollar. A late fee of $41 is applied after a missed payment, what will be my new balance be on May 24?", "ground_truth": "6891.00", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "6850", "arg_2": "0.01", "resp": 68.5 }, { "operator": "max", "arg_1": "#0", "arg_2": "40", "resp": 68.5 }, { "operator": "ceil", "arg_1": "#1", "arg_2": "1", "resp": 69 }, { "operator": "add", "arg_1": "6850", "arg_2": "41", "resp": 6891 } ], "program": [ "multiply(6850, 0.01)", "max(#0, 40)", "ceil(#1, 1)", "add(6850, 41)" ], "question_tense": "FIRST", "financial_terms": [ "LATE PAYMENT FEE", "MINIMUM PAYMENT", "ACCOUNT BALANCE", "MINIMUM MAXIMUM FEE RULE", "GREATER-OF FEE RULE", "MINIMUM PAYMENT FORMULA", "NEW BALANCE", "ROUND-UP RULE", "MAXIMUM SELECTION", "PERCENTAGE-BASED FEE", "MINIMUM PAYMENT ON NEW BALANCE" ], "credit_card": "US_Bank_Elan_Financial.md" }, { "question": "If I have $5000 balance on my credit card with an APR of 15% and plan to pay $500 per month toward the outstanding balance, how much interest will I accrue for the first two months if no payments are made during that period? Assume daily compounding interest?", "ground_truth": "124.78", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 1, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 1, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "0.15", "arg_2": "365", "resp": 0.0004109589041 }, { "operator": "multiply", "arg_1": "2", "arg_2": "30", "resp": 60 }, { "operator": "add", "arg_1": "#0", "arg_2": "1", "resp": 1.0004109589041 }, { "operator": "exponent", "arg_1": "#2", "arg_2": "#1", "resp": 1.0249562563 }, { "operator": "multiply", "arg_1": "5000", "arg_2": "#3", "resp": 5124.7812814 }, { "operator": "subtract", "arg_1": "#4", "arg_2": "5000", "resp": "124.78" } ], "program": [ "divide(0.15, 365)", "multiply(2, 30)", "add(#0, 1)", "exponent(#2, #1)", "multiply(5000, #3)", "subtract(#4, 5000)" ], "question_tense": "FIRST", "financial_terms": [ "VARIABLE APR", "ACCOUNT BALANCE", "DAILY COMPOUNDING", "DAILY COMPOUNDING INTEREST", "MONTHLY PAYMENT", "OUTSTANDING BALANCE", "365-DAY RATE BASIS", "EXPONENTIAL INTEREST CALCULATION", "NO-PAYMENT SCENARIO" ], "credit_card": "nfcu_573CC_3-24-461850.md" }, { "question": "A cardholder has a balance of $5,000 on their account. They make a payment of $2,200, but the payment is returned unpaid in a later billing cycle. The returned payment fee is $20. Additionally, the cardholder has a past due amount of $300 from the previous billing cycle. If the cardholder also has a new interest charge of $20 and a late fee of $200 from the current billing cycle, what percentage of the total payment due is attributed to the returned payment fee?", "ground_truth": "3.70", "output_units": "%", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 4, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 6, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "add", "arg_1": "300", "arg_2": "20", "resp": 320.0 }, { "operator": "add", "arg_1": "#0", "arg_2": "20", "resp": 340.0 }, { "operator": "add", "arg_1": "#1", "arg_2": "200", "resp": 540.0 }, { "operator": "divide", "arg_1": "20", "arg_2": "#2", "resp": 0.037037037037037035 }, { "operator": "multiply", "arg_1": "#3", "arg_2": "100", "resp": 3.7037037037037033 }, { "operator": "round", "arg_1": "#4", "arg_2": "2", "resp": 3.7 }, { "operator": "round", "arg_1": "#5", "arg_2": "2", "resp": 3.7 } ], "program": [ "add(300, 20)", "add(#0, 20)", "add(#1, 200)", "divide(20, #2)", "multiply(#3, 100)", "round(#4, 2)", "round(#5, 2)" ], "question_tense": "THIRD", "financial_terms": [ "LATE PAYMENT FEE", "RETURNED PAYMENT FEE", "ACCOUNT BALANCE", "BILLING CYCLE", "INTEREST ACCRUAL", "PERCENTAGE CALCULATION", "RETURNED ITEM FEE", "BILLING-CYCLE INTEREST", "PAST DUE AMOUNT", "ROUNDING RULE", "PAST-DUE BALANCE" ], "credit_card": "nfcu_573CC_3-24-461850.md" }, { "question": "A borrower takes out $50,000 loan, where the interest rate is determined by the index value (8.5%) plus a margin of 2.0%. The borrower makes fixed monthly payments of $600. How long will it take to fully pay off the loan?", "ground_truth": "128", "output_units": "month", "input_units": { "from_doc": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "8.5", "arg_2": "100", "resp": 0.085 }, { "operator": "divide", "arg_1": "2.0", "arg_2": "100", "resp": 0.02 }, { "operator": "add", "arg_1": "#0", "arg_2": "#1", "resp": 0.105 }, { "operator": "divide", "arg_1": "#2", "arg_2": "12", "resp": 0.00875 }, { "operator": "if", "arg_1": "1", "arg_2": "loan_payoff_time(50000, 10.5, 600)", "resp": "128" } ], "program": [ "divide(8.5, 100)", "divide(2.0, 100)", "add(#0, #1)", "divide(#2, 12)", "if(1, loan_payoff_time(50000, 10.5, 600))" ], "question_tense": "THIRD", "financial_terms": [ "PRIME RATE", "PAYOFF TIME", "MONTHLY PAYMENT", "BALANCE PAYOFF", "FIXED PAYMENT AMORTIZATION", "LOAN REPAYMENT", "CONDITIONAL FINANCIAL RULE", "FIXED MONTHLY REPAYMENT" ], "credit_card": "US_Bank_Elan_Financial.md" }, { "question": "If I am considered a risky borrower after taking out a cash advance, does my cash advI have a loan for 2000 dollars. I am terrible at paying back my credit card company so they are charging my the max apr. I intend to pay back 500 dollars a month. How long is it going to take me to pay it off?", "ground_truth": "4.2667890408054845", "output_units": "month", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "29.99", "arg_2": "100", "resp": 0.2999 }, { "operator": "divide", "arg_1": "#0", "arg_2": "12", "resp": 0.024991666666666666 }, { "operator": "multiply", "arg_1": "#1", "arg_2": "2000", "resp": 49.983333333333334 }, { "operator": "subtract", "arg_1": "500", "arg_2": "#2", "resp": 450.01666666666665 }, { "operator": "divide", "arg_1": "500", "arg_2": "#3", "resp": 1.1110699603718381 }, { "operator": "ln", "arg_1": "#4", "arg_2": "1", "resp": 0.10532347930664344 }, { "operator": "add", "arg_1": "1", "arg_2": "#1", "resp": 1.0249916666666667 }, { "operator": "ln", "arg_1": "#6", "arg_2": "1", "resp": 0.024684482476021473 }, { "operator": "divide", "arg_1": "#5", "arg_2": "#7", "resp": 4.2667890408054845 } ], "program": [ "divide(29.99, 100)", "divide(#0, 12)", "multiply(#1, 2000)", "subtract(500, #2)", "divide(500, #3)", "ln(#4, 1)", "add(1, #1)", "ln(#6, 1)", "divide(#5, #7)" ], "question_tense": "FIRST", "financial_terms": [ "CASH ADVANCE APR", "CREDIT TIER", "PAYOFF TIME", "RISK-BASED APR", "LOAN REPAYMENT", "LOGARITHMIC PAYOFF CALCULATION" ], "credit_card": "Starbucks Rewards Visa Signature Agreement.pdf-255606.md" }, { "question": "A credit card has an APR of the prime rate + 12%, compounded monthly. Assuming the prime rate is the same as the one mentioned in the credit card statement, if the cardholder has a balance of $3000 for 6 months, how much interest will the cardholder accumulate?", "ground_truth": "320.94", "output_units": "$", "input_units": { "from_doc": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 1, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 1, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "add", "arg_1": "0.085", "arg_2": "0.12", "resp": 0.205 }, { "operator": "divide", "arg_1": "#0", "arg_2": "12", "resp": 0.0170833333 }, { "operator": "add", "arg_1": "1", "arg_2": "#1", "resp": 1.0170833333 }, { "operator": "exponent", "arg_1": "#2", "arg_2": "6", "resp": 1.10698 }, { "operator": "multiply", "arg_1": "3000", "arg_2": "#3", "resp": 3320.94 }, { "operator": "subtract", "arg_1": "#4", "arg_2": "3000", "resp": 320.94 }, { "operator": "round", "arg_1": "#5", "arg_2": "2", "resp": 320.94 } ], "program": [ "add(0.085, 0.12)", "divide(#0, 12)", "add(1, #1)", "exponent(#2, 6)", "multiply(3000, #3)", "subtract(#4, 3000)", "round(#5, 2)" ], "question_tense": "THIRD", "financial_terms": [ "PRIME RATE", "ACCOUNT BALANCE", "MONTHLY COMPOUNDING", "MONTHLY COMPOUNDING INTEREST", "ROUNDING RULE", "EXPONENTIAL INTEREST CALCULATION" ], "credit_card": "GAPPrivateLabel_combined.md" }, { "question": "A GapCoBrand credit cardholder has a minimum payment due of $100 on their statement, with a due date of March 15. The cardholder forgets to make a payment and instead pays $100 on March 18. According to the credit card agreement, a Late Payment Fee of $40 is charged if a payment is received after the due date. The cardholder checks their statement and finds that their balance increased by $40 due to a late fee. Based on the terms of the credit card agreement, was this fee correctly applied?", "ground_truth": "TRUE", "output_units": "binary", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "greater", "arg_1": "1", "arg_2": "0", "resp": "TRUE" } ], "program": [ "greater(1, 0)" ], "question_tense": "THIRD", "financial_terms": [ "LATE PAYMENT FEE", "MINIMUM PAYMENT", "ACCOUNT BALANCE", "MINIMUM FEE RULE", "PAYMENT DUE DATE", "MINIMUM PAYMENT FORMULA", "PAYMENT DUE DATE CALCULATION", "GAP CARD TERMS", "MINIMUM PAYMENT DUE" ], "credit_card": "GAPCobrand_combined.md" }, { "question": "If I have three outstanding billing statements that have been unpaid for over 25 months, how long will it take me to pay back the administrative fees by contributing $5 a month using a 10% APR?", "ground_truth": "9.76", "output_units": "month", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 2, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 1 }, "total": { "%": 1, "month": 2, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 1 } }, "steps": [ { "operator": "divide", "arg_1": "10", "arg_2": "12", "resp": 0.8333 }, { "operator": "divide", "arg_1": "#0", "arg_2": "100", "resp": 0.008333 }, { "operator": "add", "arg_1": "1", "arg_2": "#1", "resp": 1.008333 }, { "operator": "exponent", "arg_1": "#2", "arg_2": "25", "resp": 1.231 }, { "operator": "divide", "arg_1": "1", "arg_2": "#3", "resp": 0.812 }, { "operator": "subtract", "arg_1": "1", "arg_2": "#4", "resp": 0.188 }, { "operator": "divide", "arg_1": "5", "arg_2": "#1", "resp": 600 }, { "operator": "multiply", "arg_1": "#6", "arg_2": "#5", "resp": 112.8 }, { "operator": "multiply", "arg_1": "5", "arg_2": "25", "resp": 125 }, { "operator": "subtract", "arg_1": "#8", "arg_2": "#7", "resp": 12.2 }, { "operator": "divide", "arg_1": "#9", "arg_2": "#8", "resp": 0.0976 }, { "operator": "multiply", "arg_1": "#10", "arg_2": "100", "resp": 9.76 } ], "program": [ "divide(10, 12)", "divide(#0, 100)", "add(1, #1)", "exponent(#2, 25)", "divide(1, #3)", "subtract(1, #4)", "divide(5, #1)", "multiply(#6, #5)", "multiply(5, 25)", "subtract(#8, #7)", "divide(#9, #8)", "multiply(#10, 100)" ], "question_tense": "FIRST", "financial_terms": [ "PROMOTIONAL APR", "ADMINISTRATIVE FEE", "PAYOFF TIME", "EXPONENTIAL INTEREST CALCULATION", "ZERO PERCENT PROMOTIONAL APR" ], "credit_card": "Barclaycard_combined.md" }, { "question": "A cardholder has a balance of $1,500 and is charged a Direct Deposit APR of 21.74%. If interest compounds daily and there are 30 days in the billing cycle, what will be the total interest charged at the end of the cycle?", "ground_truth": "27.03", "output_units": "$", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 1, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 1, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": 21.74, "arg_2": 100, "resp": 0.21739999999999998 }, { "operator": "divide", "arg_1": "#0", "arg_2": 365, "resp": 0.0005956164383561643 }, { "operator": "add", "arg_1": 1, "arg_2": "#1", "resp": 1.0005956164383563 }, { "operator": "exponent", "arg_1": "#2", "arg_2": 30, "resp": 1.0180236746290812 }, { "operator": "subtract", "arg_1": "#3", "arg_2": 1, "resp": 0.018023674629081166 }, { "operator": "multiply", "arg_1": 1500, "arg_2": "#4", "resp": 27.03551194362175 }, { "operator": "round", "arg_1": "#5", "arg_2": 2, "resp": 27.04 } ], "program": [ "divide(21.74, 100)", "divide(#0, 365)", "add(1, #1)", "exponent(#2, 30)", "subtract(#3, 1)", "multiply(1500, #4)", "round(#5, 2)" ], "question_tense": "THIRD", "financial_terms": [ "DIRECT DEPOSIT APR", "ACCOUNT BALANCE", "BILLING CYCLE", "INTEREST ACCRUAL", "THIRTY-DAY INTEREST", "BILLING-CYCLE INTEREST", "ROUNDING RULE", "365-DAY RATE BASIS", "EXPONENTIAL INTEREST CALCULATION" ], "credit_card": "Wells Fargo Autograph Journey Visa® Card Agreement-442574.md" }, { "question": "Let's say the cardholder has a credit card balance of $8000 and the cardholder is considering a balance transfer to a new card that offers a 0% APR for 18 months but charges a 4% balance transfer fee. If the cardholder can afford to pay $500 per month toward the cardholder's balance, how many months will it take the cardholder to fully pay off the balance after the transfer?", "ground_truth": "17", "output_units": "month", "input_units": { "from_doc": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 1, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 1, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "8000", "arg_2": "0.04", "resp": 320.0 }, { "operator": "add", "arg_1": "8000", "arg_2": "#0", "resp": 8320.0 }, { "operator": "divide", "arg_1": "#1", "arg_2": "500", "resp": 16.64 }, { "operator": "ceil", "arg_1": "#2", "resp": 17 } ], "program": [ "multiply(8000, 0.04)", "add(8000, #0)", "divide(#1, 500)", "ceil(#2)" ], "question_tense": "THIRD", "financial_terms": [ "PROMOTIONAL APR", "BALANCE TRANSFER APR", "BALANCE TRANSFER FEE", "ACCOUNT BALANCE", "PAYOFF TIME", "MONTHLY PAYMENT", "BALANCE PAYOFF", "ROUND-UP RULE", "MONTHLY FEE", "ZERO PERCENT PROMOTIONAL APR" ], "credit_card": "GAPPrivateLabel_combined.md" }, { "question": "A cardholder has a balance of $1,500 and is charged a Direct Deposit APR of 20.74%. If interest compounds daily and there are 30 days in the billing cycle, what will be the total interest charged at the end of the cycle?", "ground_truth": "25.78", "output_units": "$", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 1, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 1, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "20.74", "arg_2": "100", "resp": 0.2074 }, { "operator": "divide", "arg_1": "#0", "arg_2": "365", "resp": 0.0005682191780821918 }, { "operator": "add", "arg_1": "1", "arg_2": "#1", "resp": 1.0005682191780823 }, { "operator": "exponent", "arg_1": "#2", "arg_2": "30", "resp": 1.0171877728361158 }, { "operator": "multiply", "arg_1": "1500", "arg_2": "#3", "resp": 1525.7816592541737 }, { "operator": "subtract", "arg_1": "#4", "arg_2": "1500", "resp": 25.781659254173746 }, { "operator": "round", "arg_1": "#5", "arg_2": "2", "resp": 25.78 } ], "program": [ "divide(20.74, 100)", "divide(#0, 365)", "add(1, #1)", "exponent(#2, 30)", "multiply(1500, #3)", "subtract(#4, 1500)", "round(#5, 2)" ], "question_tense": "THIRD", "financial_terms": [ "DIRECT DEPOSIT APR", "ACCOUNT BALANCE", "BILLING CYCLE", "INTEREST ACCRUAL", "THIRTY-DAY INTEREST", "BILLING-CYCLE INTEREST", "ROUNDING RULE", "365-DAY RATE BASIS", "EXPONENTIAL INTEREST CALCULATION" ], "credit_card": "Visa_Mastercard_Platinum_Siganture_World_Infinite_English-290260.md" }, { "question": "If I used a 30-day equivalent of APR to estimate interest on $1000 purchase for the month instead of using the DPR, how much money have I failed to consider?", "ground_truth": "0.14", "output_units": "$", "input_units": { "from_doc": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 1, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 1, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "20.49", "arg_2": "36500", "resp": 0.0005613698630136986 }, { "operator": "multiply", "arg_1": "#0", "arg_2": "30", "resp": 0.01684109589041096 }, { "operator": "divide", "arg_1": "0.05614", "arg_2": "100", "resp": 0.0005614 }, { "operator": "add", "arg_1": "1", "arg_2": "#2", "resp": 1.0005614 }, { "operator": "exponent", "arg_1": "#3", "arg_2": "30", "resp": 1.01698 }, { "operator": "subtract", "arg_1": "#4", "arg_2": "1", "resp": 0.01698 }, { "operator": "subtract", "arg_1": "#5", "arg_2": "#1", "resp": 0.000139 }, { "operator": "multiply", "arg_1": "#6", "arg_2": "1000", "resp": 0.139 }, { "operator": "round", "arg_1": "#7", "arg_2": "2", "resp": 0.14 } ], "program": [ "divide(20.49, 36500)", "multiply(#0, 30)", "divide(0.05614, 100)", "add(1, #2)", "exponent(#3, 30)", "subtract(#4, 1)", "subtract(#5, #1)", "multiply(#6, 1000)", "round(#7, 2)" ], "question_tense": "FIRST", "financial_terms": [ "DAILY PERIODIC RATE", "APR TO DPR CONVERSION", "PURCHASE APR", "ROUNDING RULE", "365-DAY RATE BASIS", "EXPONENTIAL INTEREST CALCULATION", "CHASE CARD TERMS", "INTEREST OWED" ], "credit_card": "CostcoAnywhereVisa.md" }, { "question": "A cardholder has a balance of $4,000 on their account. They make a payment of $900, but the payment is returned unpaid in a later billing cycle. Additionally, the cardholder has a past due amount of $2000 from the previous billing cycle. If the cardholder also has a new interest charge of $25 and a late fee of $20 from the current billing cycle, what will be the new total minimum payment due? Assume the returned payment fee is $20 and that the minimum due is based on the full statement balance from the previous cycle?", "ground_truth": "2065.00", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 4, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "add", "arg_1": "2000", "arg_2": "20", "resp": 2020 }, { "operator": "add", "arg_1": "#0", "arg_2": "25", "resp": 2045 }, { "operator": "add", "arg_1": "#1", "arg_2": "20", "resp": "2065" } ], "program": [ "add(2000, 20)", "add(#0, 25)", "add(#1, 20)" ], "question_tense": "THIRD", "financial_terms": [ "LATE PAYMENT FEE", "RETURNED PAYMENT FEE", "MINIMUM PAYMENT", "ACCOUNT BALANCE", "BILLING CYCLE", "INTEREST ACCRUAL", "MINIMUM FEE RULE", "RETURNED ITEM FEE", "BILLING-CYCLE INTEREST", "MINIMUM PAYMENT FORMULA", "PAST DUE AMOUNT", "MINIMUM PAYMENT DUE", "PAST-DUE BALANCE" ], "credit_card": "nfcu_573CC_3-24-461850.md" }, { "question": "Suppose I transfer $200 in debt to this card 10 days into December. How much money will the debt accumulate to at the end of December? Assume that I will pay the upper bound of APR specified in the credit card agreement?", "ground_truth": "212.43", "output_units": "$", "input_units": { "from_doc": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 1, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 1, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "add", "arg_1": "200", "arg_2": "0", "resp": 200.0 }, { "operator": "add", "arg_1": "5", "arg_2": "0", "resp": 5.0 }, { "operator": "divide", "arg_1": "#1", "arg_2": "100", "resp": 0.05 }, { "operator": "multiply", "arg_1": "#0", "arg_2": "#2", "resp": 10.0 }, { "operator": "add", "arg_1": "5", "arg_2": "0", "resp": 5.0 }, { "operator": "max", "arg_1": "#3", "arg_2": "#4", "resp": 10.0 }, { "operator": "add", "arg_1": "#0", "arg_2": "#5", "resp": 210.0 }, { "operator": "add", "arg_1": "19.99", "arg_2": "0", "resp": 19.99 }, { "operator": "divide", "arg_1": "#7", "arg_2": "365", "resp": 0.05476712328767123 }, { "operator": "divide", "arg_1": "#8", "arg_2": "100", "resp": 0.0005476712328767123 }, { "operator": "add", "arg_1": "1", "arg_2": "#9", "resp": 1.0005476712328767 }, { "operator": "add", "arg_1": "31", "arg_2": "0", "resp": 31.0 }, { "operator": "add", "arg_1": "10", "arg_2": "0", "resp": 10.0 }, { "operator": "subtract", "arg_1": "#11", "arg_2": "#12", "resp": 21.0 }, { "operator": "exponent", "arg_1": "#10", "arg_2": "#13", "resp": 1.0115681126272003 }, { "operator": "multiply", "arg_1": "#6", "arg_2": "#14", "resp": 212.42930365171205 }, { "operator": "round", "arg_1": "#15", "arg_2": "2", "resp": 212.43 } ], "program": [ "add(200, 0)", "add(5, 0)", "divide(#1, 100)", "multiply(#0, #2)", "add(5, 0)", "max(#3, #4)", "add(#0, #5)", "add(19.99, 0)", "divide(#7, 365)", "divide(#8, 100)", "add(1, #9)", "add(31, 0)", "add(10, 0)", "subtract(#11, #12)", "exponent(#10, #13)", "multiply(#6, #14)", "round(#15, 2)" ], "question_tense": "THIRD", "financial_terms": [ "BALANCE TRANSFER APR", "ROUNDING RULE", "365-DAY RATE BASIS", "MAXIMUM SELECTION", "EXPONENTIAL INTEREST CALCULATION" ], "credit_card": "Starbucks Rewards Visa Signature Agreement.pdf-255606.md" }, { "question": "A cardholder makes a purchase of 750,000 Indonesian Rupiah (IDR). The bank applies a foreign currency conversion rate of 0.000065 USD/IDR, and they want to know if the final charge will exceed $50 USD? Exclude any fees associated with this transaction, just tell whether the amount is over $50?", "ground_truth": "FALSE", "output_units": "binary", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "750000", "arg_2": "0.000065", "resp": 48.75 }, { "operator": "greater", "arg_1": "#0", "arg_2": "50", "resp": "FALSE" }, { "operator": "if", "arg_1": "#1", "arg_2": "Yes", "arg_3": "No", "resp": "FALSE" } ], "program": [ "multiply(750000, 0.000065)", "greater(#0, 50)", "if(#1, Yes, No)" ], "question_tense": "THIRD", "financial_terms": [ "PURCHASE TRANSACTION", "FOREIGN TRANSACTION FEE", "CURRENCY CONVERSION", "FOREIGN CURRENCY CONVERSION", "CONDITIONAL FINANCIAL RULE", "CHASE CARD TERMS" ], "credit_card": "Visa_Mastercard_Platinum_Siganture_World_Infinite_English-290260.md" }, { "question": "The cardholder is an Iowa resident, and have a minimum payment of $14 due. the cardholder miss the deadline, and are charged a late fee. If the cardholder only have $20, will it be enough to cover the minimum payment and the late fee?", "ground_truth": "FALSE", "output_units": "binary", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "min", "arg_1": "14", "arg_2": "15", "resp": 14 }, { "operator": "add", "arg_1": "14", "arg_2": "#0", "resp": 28 }, { "operator": "greater", "arg_1": "20", "arg_2": "#1", "resp": "FALSE" } ], "program": [ "min(14, 15)", "add(14, #0)", "greater(20, #1)" ], "question_tense": "THIRD", "financial_terms": [ "LATE PAYMENT FEE", "MINIMUM PAYMENT", "MINIMUM FEE RULE", "STATE-SPECIFIC RATE CAP", "MINIMUM PAYMENT FORMULA", "MINIMUM SELECTION", "STATE-SPECIFIC FEE RULE" ], "credit_card": "GAPPrivateLabel_combined.md" }, { "question": "I make a purchase with my credit card and pay off 50% of it right away. If I do not make any other payments, what percentage of the initial purchase amount will I accumulate in just interest by the end of 1 month?", "ground_truth": "0.85", "output_units": "%", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "50", "arg_2": "100", "resp": 0.5 }, { "operator": "divide", "arg_1": "20.49", "arg_2": "36500", "resp": 0.0005613698630136986 }, { "operator": "add", "arg_1": "1", "arg_2": "#1", "resp": 1.0005613698630138 }, { "operator": "exponent", "arg_1": "#2", "arg_2": "30", "resp": 1.0169789010797021 }, { "operator": "multiply", "arg_1": "#0", "arg_2": "#3", "resp": 0.5084894505398511 }, { "operator": "subtract", "arg_1": "#4", "arg_2": "#0", "resp": 0.008489450539851062 }, { "operator": "multiply", "arg_1": "#5", "arg_2": "100", "resp": 0.8489450539851062 } ], "program": [ "divide(50, 100)", "divide(20.49, 36500)", "add(1, #1)", "exponent(#2, 30)", "multiply(#0, #3)", "subtract(#4, #0)", "multiply(#5, 100)" ], "question_tense": "FIRST", "financial_terms": [ "PURCHASE APR", "PAYOFF TIME", "PERCENTAGE CALCULATION", "BALANCE PAYOFF", "365-DAY RATE BASIS", "EXPONENTIAL INTEREST CALCULATION", "CHASE CARD TERMS", "PERCENTAGE-BASED FEE" ], "credit_card": "CostcoAnywhereVisa.md" }, { "question": "If I take out a cash advance of $400 at the start of the month to this card, the original cash advance fee amount will account for what percentage of the total balance due at the end of 15 days?", "ground_truth": "4.70", "output_units": "%", "input_units": { "from_doc": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 1, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 1, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "5", "arg_2": "100", "resp": 0.05 }, { "operator": "multiply", "arg_1": "400", "arg_2": "#0", "resp": 20.0 }, { "operator": "max", "arg_1": "#1", "arg_2": "10", "resp": 20.0 }, { "operator": "add", "arg_1": "400", "arg_2": "#2", "resp": 420.0 }, { "operator": "divide", "arg_1": "29.99", "arg_2": "36500", "resp": 0.0008216438356164384 }, { "operator": "add", "arg_1": "1", "arg_2": "#4", "resp": 1.0008216438356163 }, { "operator": "exponent", "arg_1": "#5", "arg_2": "15", "resp": 1.0123964902458487 }, { "operator": "multiply", "arg_1": "#3", "arg_2": "#6", "resp": 425.2065259032564 }, { "operator": "divide", "arg_1": "#2", "arg_2": "#7", "resp": 0.047035 }, { "operator": "multiply", "arg_1": "#8", "arg_2": "100", "resp": 4.7035 }, { "operator": "round", "arg_1": "#9", "arg_2": "2", "resp": 4.7 } ], "program": [ "divide(5, 100)", "multiply(400, #0)", "max(#1, 10)", "add(400, #2)", "divide(29.99, 36500)", "add(1, #4)", "exponent(#5, 15)", "multiply(#3, #6)", "divide(#2, #7)", "multiply(#8, 100)", "round(#9, 2)" ], "question_tense": "FIRST", "financial_terms": [ "CASH ADVANCE FEE", "PERCENTAGE CALCULATION", "TOTAL BALANCE", "ROUNDING RULE", "365-DAY RATE BASIS", "MAXIMUM SELECTION", "EXPONENTIAL INTEREST CALCULATION" ], "credit_card": "CostcoAnywhereVisa.md" }, { "question": "I want to buy furniture for $1000 using my credit card. I have two options for paying it off: 1) I make only the minimum payment each month. 2) I use My Chase PlanSM to finance it over 12 months. Assume that all fees and interest are added at the end of each 30-day billing cycle, that I am charged the upper bound of the APR specified in the agreement, and that the new minimum payment each month is calculated solely from the updated balance (with no special payment obligations). What is the difference in total fees between Option 1 and Option 2?", "ground_truth": "95.60", "output_units": "$", "input_units": { "from_doc": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "19.99", "arg_2": "365", "resp": 0.05476712328767123 }, { "operator": "simulate_min_payment_plan", "arg_1": "1000, #0, 30, 40, 0.01", "arg_2": "1", "resp": [ 302, 33 ] }, { "operator": "divide", "arg_1": "1.72", "arg_2": "100", "resp": 0.0172 }, { "operator": "multiply", "arg_1": "1000", "arg_2": "#2", "resp": 17.2 }, { "operator": "multiply", "arg_1": "#3", "arg_2": "12", "resp": 206.39999999999998 }, { "operator": "subtract", "arg_1": "#1[0]", "arg_2": "#4", "resp": 95.6 } ], "program": [ "divide(19.99, 365)", "simulate_min_payment_plan(1000, #0, 30, 40, 0.01, 1)", "divide(1.72, 100)", "multiply(1000, #2)", "multiply(#3, 12)", "subtract(#1[0], #4)" ], "question_tense": "FIRST", "financial_terms": [ "DAILY PERIODIC RATE", "PURCHASE APR", "MINIMUM PAYMENT", "PAYMENT PLAN FEE", "ACCOUNT BALANCE", "BILLING CYCLE", "MINIMUM FEE RULE", "BILLING-CYCLE INTEREST", "MINIMUM PAYMENT FORMULA", "FINANCIAL DIFFERENCE", "TOTAL FEE CALCULATION", "365-DAY RATE BASIS", "CHASE CARD TERMS" ], "credit_card": "Starbucks Rewards Visa Signature Agreement.pdf-255606.md" }, { "question": "A cardholder carries $4200 balance for 730 days with a 23% APR for Purchases. If they do not pay any of their balance for the entirety of the duration, what is the percentage of interest charged relative to their balance using the daily compounding method specified in the agreement?", "ground_truth": "58.3800", "output_units": "%", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 1, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 1, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "0.23", "arg_2": "365", "resp": 0.0006301369863013699 }, { "operator": "add", "arg_1": "1", "arg_2": "#0", "resp": 1.0006301369863013 }, { "operator": "exponent", "arg_1": "#1", "arg_2": "730", "resp": 1.5838445157868437 }, { "operator": "multiply", "arg_1": "4200", "arg_2": "#2", "resp": 6652.146966304744 }, { "operator": "subtract", "arg_1": "#3", "arg_2": "4200", "resp": 2452.1469663047437 }, { "operator": "divide", "arg_1": "#4", "arg_2": "4200", "resp": 0.5838445157868437 }, { "operator": "multiply", "arg_1": "#5", "arg_2": "100", "resp": 58.38445157868437 } ], "program": [ "divide(0.23, 365)", "add(1, #0)", "exponent(#1, 730)", "multiply(4200, #2)", "subtract(#3, 4200)", "divide(#4, 4200)", "multiply(#5, 100)" ], "question_tense": "THIRD", "financial_terms": [ "PURCHASE APR", "ACCOUNT BALANCE", "DAILY COMPOUNDING", "INTEREST ACCRUAL", "DAILY COMPOUNDING INTEREST", "THIRTY-DAY INTEREST", "365-DAY RATE BASIS", "EXPONENTIAL INTEREST CALCULATION", "CHASE CARD TERMS" ], "credit_card": "US_Bank_Visa_Signature_and_World_Mastercard_Accounts.md" }, { "question": "The cardholder is an Iowa Resident and the cardholder has a minimum payment due of $18. However, it is returned which results in a returned payment fee of $15. If the cardholder continue to get returned payments for 3 consecutive billing cycles, what will the total amount in returned payment fees be?", "ground_truth": "45.00", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "min", "arg_1": "18", "arg_2": "15", "resp": 15 }, { "operator": "multiply", "arg_1": "3", "arg_2": "#0", "resp": 45 } ], "program": [ "min(18, 15)", "multiply(3, #0)" ], "question_tense": "THIRD", "financial_terms": [ "RETURNED PAYMENT FEE", "MINIMUM PAYMENT", "BILLING CYCLE", "MINIMUM FEE RULE", "STATE-SPECIFIC RATE CAP", "BILLING-CYCLE INTEREST", "MINIMUM PAYMENT FORMULA", "RECURRING PAYMENT VIOLATION", "MINIMUM SELECTION", "MINIMUM PAYMENT DUE", "STATE-SPECIFIC FEE RULE" ], "credit_card": "GAPPrivateLabel_combined.md" }, { "question": "Is there a difference on interest charge on $200 purchase using a 24-month vs 36-month purchase plan? The minimum interest charge is $2?", "ground_truth": "FALSE", "output_units": "binary", "input_units": { "from_doc": { "%": 2, "month": 2, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 2, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "12", "arg_2": "12", "resp": 1.0 }, { "operator": "divide", "arg_1": "#0", "arg_2": "100", "resp": 0.01 }, { "operator": "multiply", "arg_1": "200", "arg_2": "#1", "resp": 2.0 }, { "operator": "less_equal", "arg_1": "#2", "arg_2": "2", "resp": "TRUE" }, { "operator": "if", "arg_1": "#3", "arg_2": "FALSE", "arg_3": "TRUE", "resp": "FALSE" } ], "program": [ "divide(12, 12)", "divide(#0, 100)", "multiply(200, #1)", "less_equal(#2, 2)", "if(#3, FALSE, TRUE)" ], "question_tense": "THIRD", "financial_terms": [ "PURCHASE APR", "MINIMUM INTEREST CHARGE", "PAYMENT PLAN", "INTEREST ACCRUAL", "MINIMUM FEE RULE", "FINANCIAL DIFFERENCE", "CONDITIONAL FINANCIAL RULE", "CHASE CARD TERMS" ], "credit_card": "Barclaycard_combined.md" }, { "question": "A Visa Mastercard Platinum Bank Cash Advance has an APR of 26.99%. What APR tier does it fall into? Standard (<25%) Medium (25%-28%) Premium (>28%)?", "ground_truth": "Medium", "output_units": "categorical", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 3, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "greater", "arg_1": "26.99", "arg_2": "25", "resp": "TRUE" }, { "operator": "less_equal", "arg_1": "26.99", "arg_2": "28", "resp": "TRUE" }, { "operator": "if", "arg_1": "#0", "arg_2": "Medium", "arg_3": "Standard", "resp": "Medium" }, { "operator": "if", "arg_1": "#1", "arg_2": "#2", "arg_3": "Premium", "resp": "Medium" } ], "program": [ "greater(26.99, 25)", "less_equal(26.99, 28)", "if(#0, Medium, Standard)", "if(#1, #2, Premium)" ], "question_tense": "THIRD", "financial_terms": [ "CASH ADVANCE APR", "CREDIT TIER", "CONDITIONAL FINANCIAL RULE", "VISA MASTERCARD TERMS", "BANK CASH ADVANCE" ], "credit_card": "Visa_Mastercard_Platinum_Siganture_World_Infinite_English-290260.md" }, { "question": "If I transfer a balance of $200 at the start of the month to this card, the original balance transfer fee amount will account for what percentage of the total blance due at the end of 10 days?", "ground_truth": 4.74, "output_units": "%", "input_units": { "from_doc": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 1, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 1, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "5", "arg_2": "100", "resp": 0.05 }, { "operator": "multiply", "arg_1": "200", "arg_2": "#0", "resp": 10.0 }, { "operator": "max", "arg_1": "#1", "arg_2": "5", "resp": 10.0 }, { "operator": "add", "arg_1": "200", "arg_2": "#2", "resp": 210.0 }, { "operator": "divide", "arg_1": "20.49", "arg_2": "36500", "resp": 0.00056136986 }, { "operator": "add", "arg_1": "1", "arg_2": "#4", "resp": 1.00056136986 }, { "operator": "exponent", "arg_1": "#5", "arg_2": "10", "resp": 1.005624 }, { "operator": "multiply", "arg_1": "#3", "arg_2": "#6", "resp": 211.18104 }, { "operator": "divide", "arg_1": "#2", "arg_2": "#7", "resp": 0.04735 }, { "operator": "multiply", "arg_1": "#8", "arg_2": "100", "resp": 4.735 }, { "operator": "round", "arg_1": "#9", "arg_2": "2", "resp": 4.74 } ], "program": [ "divide(5, 100)", "multiply(200, #0)", "max(#1, 5)", "add(200, #2)", "divide(20.49, 36500)", "add(1, #4)", "exponent(#5, 10)", "multiply(#3, #6)", "divide(#2, #7)", "multiply(#8, 100)", "round(#9, 2)" ], "question_tense": "FIRST", "financial_terms": [ "BALANCE TRANSFER FEE", "ACCOUNT BALANCE", "PERCENTAGE CALCULATION", "ROUNDING RULE", "365-DAY RATE BASIS", "MAXIMUM SELECTION", "EXPONENTIAL INTEREST CALCULATION" ], "credit_card": "CostcoAnywhereVisa.md" }, { "question": "If a cardholder makes $2,300 purchase at 18% APR and makes no payments for 5 months, how much interest accrues at the end of the 5 months? Answer in dollars rounded to two decimal places after the decimal point and assume daily compounding interest?", "ground_truth": "176.54", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 1, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 1, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": 18, "arg_2": 36500, "resp": 0.0004931506849315069 }, { "operator": "add", "arg_1": 1, "arg_2": "#0", "resp": 1.0004931506849315 }, { "operator": "multiply", "arg_1": 30, "arg_2": 5, "resp": 150 }, { "operator": "exponent", "arg_1": "#1", "arg_2": "#2", "resp": 1.076757670753648 }, { "operator": "subtract", "arg_1": "#3", "arg_2": 1, "resp": 0.07675767075364805 }, { "operator": "multiply", "arg_1": "#4", "arg_2": 2300, "resp": 176.5426427333902 }, { "operator": "round", "arg_1": "#5", "arg_2": 2, "resp": 176.54 } ], "program": [ "divide(18, 36500)", "add(1, #0)", "multiply(30, 5)", "exponent(#1, #2)", "subtract(#3, 1)", "multiply(#4, 2300)", "round(#5, 2)" ], "question_tense": "THIRD", "financial_terms": [ "PURCHASE APR", "DAILY COMPOUNDING", "INTEREST ACCRUAL", "DAILY COMPOUNDING INTEREST", "ROUNDING RULE", "365-DAY RATE BASIS", "EXPONENTIAL INTEREST CALCULATION", "CHASE CARD TERMS", "NO-PAYMENT SCENARIO" ], "credit_card": "Wells Fargo Autograph Journey Visa® Card Agreement-442574.md" }, { "question": "On $3000 penalty and a penalty APR of 29.99%, how much interest will be owed after 4 months? Assume interest is compounded daily and that there are on avereage 30 days per month. Give the answer in dollars rounded to two places after the decimal point?", "ground_truth": "310.73", "output_units": "$", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 1, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 1, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "29.99", "arg_2": "36500", "resp": 0.0008216438356164383 }, { "operator": "add", "arg_1": "1", "arg_2": "#0", "resp": 1.0008216438356163 }, { "operator": "multiply", "arg_1": "4", "arg_2": "30", "resp": 120 }, { "operator": "exponent", "arg_1": "#1", "arg_2": "#2", "resp": 1.103577059894351 }, { "operator": "subtract", "arg_1": "#3", "arg_2": "1", "resp": 0.10357705989435106 }, { "operator": "multiply", "arg_1": "#4", "arg_2": "3000", "resp": 310.7311796830532 }, { "operator": "round", "arg_1": "#5", "arg_2": "2", "resp": 310.73 } ], "program": [ "divide(29.99, 36500)", "add(1, #0)", "multiply(4, 30)", "exponent(#1, #2)", "subtract(#3, 1)", "multiply(#4, 3000)", "round(#5, 2)" ], "question_tense": "THIRD", "financial_terms": [ "PENALTY APR", "DAILY COMPOUNDING", "DAILY COMPOUNDING INTEREST", "THIRTY-DAY INTEREST", "MONTHLY PAYMENT", "ROUNDING RULE", "365-DAY RATE BASIS", "EXPONENTIAL INTEREST CALCULATION" ], "credit_card": "Visa Agreement (for in-branch offers).pdf-255597.md" }, { "question": "The agreement specifies that Easy Pay Promotional Offers allow customers to pay for purchases in equal installments over a promotional period with no interest if payments are made on time. A customer makes $1,200 purchase under an Easy Pay plan with a 12-month term. If they miss one payment and are charged a penalty APR of 29.99% on the remaining balance, how much interest will accrue on the remaining balance of $1,100 over the next billing cycle (30 days)?", "ground_truth": "27.11", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 1, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 1, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "29.99", "arg_2": "100", "resp": 0.2999 }, { "operator": "divide", "arg_1": "#0", "arg_2": "365", "resp": 0.0008216438356164384 }, { "operator": "multiply", "arg_1": "#1", "arg_2": "30", "resp": 0.02464931506849315 }, { "operator": "multiply", "arg_1": "1100", "arg_2": "#2", "resp": 27.114246575342463 }, { "operator": "round", "arg_1": "#3", "arg_2": "2", "resp": 27.11 } ], "program": [ "divide(29.99, 100)", "divide(#0, 365)", "multiply(#1, 30)", "multiply(1100, #2)", "round(#3, 2)" ], "question_tense": "THIRD", "financial_terms": [ "PENALTY APR", "PROMOTIONAL APR", "PURCHASE APR", "LATE PAYMENT", "PAYMENT PLAN", "ACCOUNT BALANCE", "BILLING CYCLE", "EASY PAY APR", "THIRTY-DAY INTEREST", "BILLING-CYCLE INTEREST", "REMAINING BALANCE", "ROUNDING RULE", "365-DAY RATE BASIS", "CHASE CARD TERMS" ], "credit_card": "GAPCobrand_combined.md" }, { "question": "If a cardholder transfers $3,200 at 18.5% APR and makes no payments for 4 months, how much interest accrues at the end of the period? Give the answer in dollars rounded to two places after the decimal point while assuming interest is compounded daily?", "ground_truth": "200.62", "output_units": "$", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 1, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 1, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": 18.5, "arg_2": 36500, "resp": 0.0005068493150684932 }, { "operator": "add", "arg_1": 1, "arg_2": "#0", "resp": 1.0005068493150684 }, { "operator": "multiply", "arg_1": 30, "arg_2": 4, "resp": 120 }, { "operator": "exponent", "arg_1": "#1", "arg_2": "#2", "resp": 1.0626941143870128 }, { "operator": "subtract", "arg_1": "#3", "arg_2": 1, "resp": 0.06269411438701267 }, { "operator": "multiply", "arg_1": "#4", "arg_2": 3200, "resp": 200.62116603844055 }, { "operator": "round", "arg_1": "#5", "arg_2": 2, "resp": 200.62 } ], "program": [ "divide(18.5, 36500)", "add(1, #0)", "multiply(30, 4)", "exponent(#1, #2)", "subtract(#3, 1)", "multiply(#4, 3200)", "round(#5, 2)" ], "question_tense": "THIRD", "financial_terms": [ "BALANCE TRANSFER APR", "DAILY COMPOUNDING", "INTEREST ACCRUAL", "DAILY COMPOUNDING INTEREST", "ROUNDING RULE", "365-DAY RATE BASIS", "EXPONENTIAL INTEREST CALCULATION", "NO-PAYMENT SCENARIO" ], "credit_card": "Wells Fargo Autograph Journey Visa® Card Agreement-442574.md" }, { "question": "If a cardholder takes out a cash advance such that the cash advance fee and the transfer amount sum to a total of $500 at 24% APR and makes no payments for 2 months, how much interest accrues at the end of those 2 months if compounded monthly? Assume monthly compounding for simplicity even though credit card agreement may mention daily compounding?", "ground_truth": "20.20", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 1, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 1, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": 24, "arg_2": 12, "resp": 2 }, { "operator": "multiply", "arg_1": "#0", "arg_2": 0.01, "resp": 0.02 }, { "operator": "add", "arg_1": 1, "arg_2": "#1", "resp": 1.02 }, { "operator": "exponent", "arg_1": "#2", "arg_2": 2, "resp": 1.0404 }, { "operator": "multiply", "arg_1": 500, "arg_2": "#3", "resp": 520.2 }, { "operator": "subtract", "arg_1": "#4", "arg_2": 500, "resp": 20.19999999999999 } ], "program": [ "divide(24, 12)", "multiply(#0, 0.01)", "add(1, #1)", "exponent(#2, 2)", "multiply(500, #3)", "subtract(#4, 500)" ], "question_tense": "THIRD", "financial_terms": [ "CASH ADVANCE APR", "CASH ADVANCE FEE", "DAILY COMPOUNDING", "MONTHLY COMPOUNDING", "INTEREST ACCRUAL", "DAILY COMPOUNDING INTEREST", "MONTHLY COMPOUNDING INTEREST", "EXPONENTIAL INTEREST CALCULATION", "NO-PAYMENT SCENARIO" ], "credit_card": "Discover Near Prime Cardmember Agreement_061824-255535.md" }, { "question": "If I take out a cash advance of $400 at the start of the month to this card, the original cash advance fee amount will account for what percentage of the total blance due at the end of 15 days? Assume that I will pay the upper bound of APR specified in the credit card agreement?", "ground_truth": "4.7035998976073286", "output_units": "%", "input_units": { "from_doc": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 1, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 1, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "5", "arg_2": "100", "resp": 0.05 }, { "operator": "multiply", "arg_1": "400", "arg_2": "#0", "resp": 20.0 }, { "operator": "max", "arg_1": "10", "arg_2": "#1", "resp": 20.0 }, { "operator": "add", "arg_1": "400", "arg_2": "#2", "resp": 420.0 }, { "operator": "divide", "arg_1": "29.99", "arg_2": "36500", "resp": 0.0008216438356164383 }, { "operator": "add", "arg_1": "1", "arg_2": "#4", "resp": 1.0008216438356166 }, { "operator": "exponent", "arg_1": "#5", "arg_2": "15", "resp": 1.0123957958939263 }, { "operator": "multiply", "arg_1": "#3", "arg_2": "#6", "resp": 425.20623427544905 }, { "operator": "divide", "arg_1": "#2", "arg_2": "#7", "resp": 0.04703599897607329 }, { "operator": "multiply", "arg_1": "#8", "arg_2": "100", "resp": 4.7035998976073286 } ], "program": [ "divide(5, 100)", "multiply(400, #0)", "max(10, #1)", "add(400, #2)", "divide(29.99, 36500)", "add(1, #4)", "exponent(#5, 15)", "multiply(#3, #6)", "divide(#2, #7)", "multiply(#8, 100)" ], "question_tense": "FIRST", "financial_terms": [ "CASH ADVANCE APR", "CASH ADVANCE FEE", "PERCENTAGE CALCULATION", "365-DAY RATE BASIS", "MAXIMUM SELECTION", "EXPONENTIAL INTEREST CALCULATION" ], "credit_card": "Starbucks Rewards Visa Signature Agreement.pdf-255606.md" }, { "question": "If I make a balance transfer, what is the minimum extra percent of the original transaction I will have to pay extra at the end of 12 days? Round to hundredths place of a percentage. Assume that I will pay the lower bound of DPR specified in the credit card agreement?", "ground_truth": "5.03", "output_units": "%", "input_units": { "from_doc": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 1, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 1, "year": 0, "$": 0, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "5", "arg_2": "100", "resp": 0.05 }, { "operator": "divide", "arg_1": "0.04381", "arg_2": "100", "resp": 0.0004381 }, { "operator": "add", "arg_1": "1", "arg_2": "#1", "resp": 1.0004381 }, { "operator": "exponent", "arg_1": "#2", "arg_2": "12", "resp": 1.0052706869332888 }, { "operator": "multiply", "arg_1": "#0", "arg_2": "#3", "resp": 0.05026353434666444 }, { "operator": "multiply", "arg_1": "#4", "arg_2": "100", "resp": 5.026353434666444 }, { "operator": "round", "arg_1": "#5", "arg_2": "2", "resp": 5.03 } ], "program": [ "divide(5, 100)", "divide(0.04381, 100)", "add(1, #1)", "exponent(#2, 12)", "multiply(#0, #3)", "multiply(#4, 100)", "round(#5, 2)" ], "question_tense": "FIRST", "financial_terms": [ "DAILY PERIODIC RATE", "BALANCE TRANSFER", "ACCOUNT BALANCE", "ROUNDING RULE", "EXPONENTIAL INTEREST CALCULATION" ], "credit_card": "Starbucks Rewards Visa Signature Agreement.pdf-255606.md" }, { "question": "I made a purchase for $300 with my credit card. If I am charged the maximum APR because I am risky borrower and only make the minimum payment every month, with fees and interest added at the end of each 30-day billing cycle and the new minimum payment each month based solely on the updated balance, what will be my total fees by the time I pay it off?", "ground_truth": "36.00", "output_units": "$", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "simulate_min_payment_plan", "arg_1": "300, 0.08217, 30, 40, 0.01", "arg_2": "1", "resp": [ 36, 9 ] }, { "operator": "add", "arg_1": "#0[0]", "arg_2": "0", "resp": 36 } ], "program": [ "simulate_min_payment_plan(300, 0.08217, 30, 40, 0.01, 1)", "add(#0[0], 0)" ], "question_tense": "FIRST", "financial_terms": [ "DAILY PERIODIC RATE", "PURCHASE APR", "MINIMUM PAYMENT", "ACCOUNT BALANCE", "CREDIT TIER", "BILLING CYCLE", "MINIMUM FEE RULE", "MAXIMUM APR TEST", "BILLING-CYCLE INTEREST", "MINIMUM PAYMENT FORMULA", "RISK-BASED APR", "TOTAL FEE CALCULATION", "CHASE CARD TERMS", "MINIMUM-ONLY REPAYMENT" ], "credit_card": "Starbucks Rewards Visa Signature Agreement.pdf-255606.md" }, { "question": "If a cardholder takes $720 cash advance at 26.5% APR and makes no payments for 3 months, how much interest accrues at the end of the period? Give the answer in dollars rounded to two places after the decimal point while assuming interest is compounded daily?", "ground_truth": "48.60", "output_units": "$", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 1, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 1, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": 26.5, "arg_2": 36500, "resp": 0.000726027397260274 }, { "operator": "add", "arg_1": 1, "arg_2": "#0", "resp": 1.0007260273972602 }, { "operator": "multiply", "arg_1": 30, "arg_2": 3, "resp": 90 }, { "operator": "exponent", "arg_1": "#1", "arg_2": "#2", "resp": 1.0674992430332166 }, { "operator": "subtract", "arg_1": "#3", "arg_2": 1, "resp": 0.06749924303321664 }, { "operator": "multiply", "arg_1": "#4", "arg_2": 720, "resp": 48.599454983915976 }, { "operator": "round", "arg_1": "#5", "arg_2": 2, "resp": 48.6 } ], "program": [ "divide(26.5, 36500)", "add(1, #0)", "multiply(30, 3)", "exponent(#1, #2)", "subtract(#3, 1)", "multiply(#4, 720)", "round(#5, 2)" ], "question_tense": "THIRD", "financial_terms": [ "CASH ADVANCE APR", "DAILY COMPOUNDING", "INTEREST ACCRUAL", "DAILY COMPOUNDING INTEREST", "ROUNDING RULE", "365-DAY RATE BASIS", "EXPONENTIAL INTEREST CALCULATION", "NO-PAYMENT SCENARIO" ], "credit_card": "Wells Fargo Autograph Journey Visa® Card Agreement-442574.md" }, { "question": "If I charge my credit card to buy 1000 five-cent lottery tickets every day, how many days will it take before my credit card balance exceeds $1250? The cash equivalent fee is 5%?", "ground_truth": "24", "output_units": "day", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 1, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 1, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "5", "arg_2": "100", "resp": 0.05 }, { "operator": "multiply", "arg_1": "#0", "arg_2": "1000", "resp": 50 }, { "operator": "divide", "arg_1": "5", "arg_2": "100", "resp": 0.05 }, { "operator": "add", "arg_1": "1", "arg_2": "#2", "resp": 1.05 }, { "operator": "multiply", "arg_1": "#1", "arg_2": "#3", "resp": 52.5 }, { "operator": "divide", "arg_1": "1250", "arg_2": "#4", "resp": 23.80952380952381 }, { "operator": "ceil", "arg_1": "#5", "resp": 24 } ], "program": [ "divide(5, 100)", "multiply(#0, 1000)", "divide(5, 100)", "add(1, #2)", "multiply(#1, #3)", "divide(1250, #4)", "ceil(#5)" ], "question_tense": "FIRST", "financial_terms": [ "CASH ADVANCE FEE", "PAYOFF TIME", "CASH EQUIVALENT TRANSACTION", "ROUND-UP RULE", "BALANCE THRESHOLD" ], "credit_card": "Barclaycard_combined.md" }, { "question": "A Visa Mastercard Platinum Bank Cash Advance of $3,200 is taken at 29.24% APR. How much interest is charged in the first month? Assume the month has 30 days, interest is compounded daily, and give the answer in dollars rounded to two places after the decimal point?", "ground_truth": "77.81", "output_units": "$", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "29.24", "arg_2": "100", "resp": 0.2924 }, { "operator": "divide", "arg_1": "#0", "arg_2": "365", "resp": 0.0008010958904109589 }, { "operator": "add", "arg_1": "1", "arg_2": "#1", "resp": 1.000801095890411 }, { "operator": "exponent", "arg_1": "#2", "arg_2": "30", "resp": 1.0243141385827692 }, { "operator": "subtract", "arg_1": "#3", "arg_2": "1", "resp": 0.02431413858276923 }, { "operator": "multiply", "arg_1": "3200", "arg_2": "#4", "resp": 77.80524346486153 }, { "operator": "round", "arg_1": "#5", "arg_2": "2", "resp": 77.81 } ], "program": [ "divide(29.24, 100)", "divide(#0, 365)", "add(1, #1)", "exponent(#2, 30)", "subtract(#3, 1)", "multiply(3200, #4)", "round(#5, 2)" ], "question_tense": "THIRD", "financial_terms": [ "CASH ADVANCE APR", "DAILY COMPOUNDING", "DAILY COMPOUNDING INTEREST", "THIRTY-DAY INTEREST", "ROUNDING RULE", "365-DAY RATE BASIS", "EXPONENTIAL INTEREST CALCULATION", "VISA MASTERCARD TERMS", "BANK CASH ADVANCE" ], "credit_card": "Visa_Mastercard_Platinum_Siganture_World_Infinite_English-290260.md" }, { "question": "Say I have $3,500 balance on my credit card with an APR of 28.99%, compounded daily. I plan to pay $250 per month toward the outstanding balance. After making the first $250 payment, what will the new balance be?", "ground_truth": "3334.35", "output_units": "$", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 1, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 1, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "28.99", "arg_2": "100", "resp": 0.2899 }, { "operator": "divide", "arg_1": "#0", "arg_2": "365", "resp": 0.0007942465753424658 }, { "operator": "add", "arg_1": "1", "arg_2": "#1", "resp": 1.0007942465753425 }, { "operator": "exponent", "arg_1": "#2", "arg_2": "30", "resp": 1.024077 }, { "operator": "multiply", "arg_1": "3500", "arg_2": "#3", "resp": 3584.2695 }, { "operator": "subtract", "arg_1": "#4", "arg_2": "250", "resp": 3334.2695 }, { "operator": "round", "arg_1": "#5", "arg_2": "2", "resp": 3334.27 } ], "program": [ "divide(28.99, 100)", "divide(#0, 365)", "add(1, #1)", "exponent(#2, 30)", "multiply(3500, #3)", "subtract(#4, 250)", "round(#5, 2)" ], "question_tense": "FIRST", "financial_terms": [ "DAILY PERIODIC RATE", "PURCHASE APR", "ACCOUNT BALANCE", "DAILY COMPOUNDING", "DAILY COMPOUNDING INTEREST", "MONTHLY PAYMENT", "NEW BALANCE", "OUTSTANDING BALANCE", "ROUNDING RULE", "365-DAY RATE BASIS", "EXPONENTIAL INTEREST CALCULATION" ], "credit_card": "GAPCobrand_combined.md" }, { "question": "I made a purchase for $100 with my credit card. I plan to pay off quarter of it right away and do not make any other payments until the end of the month. What percentage of initial purchase amount will I pay in fees at the end of the month? (The minimum payment due is $10 and the purchase APR is 12%)?", "ground_truth": "0.25", "output_units": "%", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "100", "arg_2": "4", "resp": 25.0 }, { "operator": "greater", "arg_1": "#0", "arg_2": "10", "resp": "TRUE" }, { "operator": "divide", "arg_1": "12", "arg_2": "12", "resp": 1.0 }, { "operator": "divide", "arg_1": "#2", "arg_2": "100", "resp": 0.01 }, { "operator": "multiply", "arg_1": "#0", "arg_2": "#3", "resp": 0.25 }, { "operator": "divide", "arg_1": "#4", "arg_2": "100", "resp": 0.0025 }, { "operator": "multiply", "arg_1": "#5", "arg_2": "100", "resp": 0.25 } ], "program": [ "divide(100, 4)", "greater(#0, 10)", "divide(12, 12)", "divide(#2, 100)", "multiply(#0, #3)", "divide(#4, 100)", "multiply(#5, 100)" ], "question_tense": "FIRST", "financial_terms": [ "PURCHASE APR", "MINIMUM PAYMENT", "PAYOFF TIME", "MINIMUM FEE RULE", "PERCENTAGE CALCULATION", "MINIMUM PAYMENT FORMULA", "BALANCE PAYOFF", "CHASE CARD TERMS", "MINIMUM PAYMENT DUE" ], "credit_card": "Barclaycard_combined.md" }, { "question": "If a cardholder transfers $2,750 per month for 6 months, how much will they pay in total balance transfer fees with a fee rate of 3.75% and a minimum fee of $8?", "ground_truth": "619.00", "output_units": "$", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 1, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 1, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": 3.75, "arg_2": 100, "resp": 0.0375 }, { "operator": "multiply", "arg_1": 2750, "arg_2": "#0", "resp": 103.125 }, { "operator": "max", "arg_1": 8, "arg_2": "#1", "resp": 103.125 }, { "operator": "multiply", "arg_1": "#2", "arg_2": 6, "resp": 618.75 }, { "operator": "round", "arg_1": "#3", "arg_2": 0, "resp": 619 } ], "program": [ "divide(3.75, 100)", "multiply(2750, #0)", "max(8, #1)", "multiply(#2, 6)", "round(#3, 0)" ], "question_tense": "THIRD", "financial_terms": [ "BALANCE TRANSFER FEE", "ACCOUNT BALANCE", "MINIMUM FEE RULE", "MINIMUM FEE FLOOR", "MONTHLY PAYMENT", "TOTAL BALANCE", "ROUNDING RULE", "MAXIMUM SELECTION", "CUMULATIVE FEE TOTAL", "MONTHLY FEE", "BALANCE TRANSFER MINIMUM FEE" ], "credit_card": "Wells Fargo Autograph Journey Visa® Card Agreement-442574.md" }, { "question": "I made $300 purchase using my credit card. How much higher are my total fees if I get charged the maximum Purchase APR compared to if I get charged the minimum Purchase APR specified in the agreement? Assume that all fees and interest are added at the end of each 30-day billing cycle, that I plan to make only the minimum payments, and that the new minimum payment each month is calculated solely from the updated balance (with no special payment obligations)?", "ground_truth": "5.00", "output_units": "$", "input_units": { "from_doc": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "19.99", "arg_2": "365", "resp": 0.05476712328767123 }, { "operator": "divide", "arg_1": "15.99", "arg_2": "365", "resp": 0.04380821917808219 }, { "operator": "simulate_min_payment_plan", "arg_1": "300, #0, 30, 40, 0.01", "arg_2": "1", "resp": [ 23, 9 ] }, { "operator": "simulate_min_payment_plan", "arg_1": "300, #1, 30, 40, 0.01", "arg_2": "1", "resp": [ 18, 8 ] }, { "operator": "subtract", "arg_1": "#2[0]", "arg_2": "#3[0]", "resp": 5 } ], "program": [ "divide(19.99, 365)", "divide(15.99, 365)", "simulate_min_payment_plan(300, #0, 30, 40, 0.01, 1)", "simulate_min_payment_plan(300, #1, 30, 40, 0.01, 1)", "subtract(#2[0], #3[0])" ], "question_tense": "FIRST", "financial_terms": [ "DAILY PERIODIC RATE", "PURCHASE APR", "MINIMUM PAYMENT", "ACCOUNT BALANCE", "BILLING CYCLE", "MINIMUM FEE RULE", "BILLING-CYCLE INTEREST", "MINIMUM PAYMENT FORMULA", "TOTAL FEE CALCULATION", "365-DAY RATE BASIS", "CHASE CARD TERMS" ], "credit_card": "Starbucks Rewards Visa Signature Agreement.pdf-255606.md" }, { "question": "Using the Visa Mastercard Platinum Card's specified APR for Balance Transfers of 27.99%, assume there is a special promotion on this card that offers 0% APR on balance transfers for 14 months, after which the APR rate applies. If I make $6,000 balance transfer and make monthly minimum payments of $75, how much would I have remaining in my balance for the APR rate to apply?", "ground_truth": "4950.00", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 1, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 1, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "75", "arg_2": "14", "resp": 1050 }, { "operator": "subtract", "arg_1": "6000", "arg_2": "#0", "resp": 4950 } ], "program": [ "multiply(75, 14)", "subtract(6000, #0)" ], "question_tense": "FIRST", "financial_terms": [ "PROMOTIONAL APR", "BALANCE TRANSFER APR", "MINIMUM PAYMENT", "ACCOUNT BALANCE", "MINIMUM PAYMENT FORMULA", "VISA MASTERCARD TERMS", "MINIMUM-ONLY REPAYMENT", "PROMOTIONAL PERIOD REMAINING BALANCE", "ZERO PERCENT PROMOTIONAL APR", "POST-PROMOTIONAL APR" ], "credit_card": "Visa_Mastercard_Platinum_Siganture_World_Infinite_English-290260.md" }, { "question": "The cardholder is considering two easy pay options for $1200 purchase. Option A has a 12 month term with a projected total interest of $120, and option B has an 18 month term with a projected total interest of $180. Which option has a lower monthly payment?", "ground_truth": "Option B", "output_units": "categorical", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 1 }, "from_user": { "%": 0, "month": 2, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 2 }, "total": { "%": 0, "month": 2, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 3 } }, "steps": [ { "operator": "add", "arg_1": "1200", "arg_2": "120", "resp": 1320 }, { "operator": "divide", "arg_1": "#0", "arg_2": "12", "resp": 110 }, { "operator": "add", "arg_1": "1200", "arg_2": "180", "resp": 1380 }, { "operator": "divide", "arg_1": "#2", "arg_2": "18", "resp": 76.6666666667 }, { "operator": "less", "arg_1": "#3", "arg_2": "#1", "resp": "TRUE" }, { "operator": "if", "arg_1": "#4", "arg_2": "Option B", "arg_3": "Option A", "resp": "Option B" } ], "program": [ "add(1200, 120)", "divide(#0, 12)", "add(1200, 180)", "divide(#2, 18)", "less(#3, #1)", "if(#4, Option B, Option A)" ], "question_tense": "THIRD", "financial_terms": [ "PURCHASE APR", "PAYMENT PLAN", "INTEREST ACCRUAL", "EASY PAY APR", "CARD OPTION COMPARISON", "CONDITIONAL FINANCIAL RULE", "CHASE CARD TERMS" ], "credit_card": "GAPPrivateLabel_combined.md" }, { "question": "If the Maximum APR is capped at 29.99%, can the cardholder's Daily Periodic Rate (DPR) exceed 0.0822%?", "ground_truth": "FALSE", "output_units": "binary", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "29.99", "arg_2": "365", "resp": 0.08216438356164384 }, { "operator": "greater", "arg_1": "#0", "arg_2": "0.0822", "resp": "FALSE" } ], "program": [ "divide(29.99, 365)", "greater(#0, 0.0822)" ], "question_tense": "THIRD", "financial_terms": [ "DAILY PERIODIC RATE", "APR TO DPR CONVERSION", "FEE CAP", "MAXIMUM APR TEST", "365-DAY RATE BASIS" ], "credit_card": "GAPCobrand_combined.md" }, { "question": "If I take out a Citi Flex Loan of $500 and pay it off at the end of the 30-day month, the original plan fee will account for how much of the total cost?", "ground_truth": "1.66", "output_units": "%", "input_units": { "from_doc": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 1, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 1, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "1.72", "arg_2": "100", "resp": 0.0172 }, { "operator": "multiply", "arg_1": "500", "arg_2": "#0", "resp": 8.6 }, { "operator": "add", "arg_1": "#1", "arg_2": "500", "resp": 508.6 }, { "operator": "divide", "arg_1": "20.49", "arg_2": "36500", "resp": 0.0005613698630136986 }, { "operator": "add", "arg_1": "1", "arg_2": "#3", "resp": 1.0005613698630138 }, { "operator": "exponent", "arg_1": "#4", "arg_2": "30", "resp": 1.016973 }, { "operator": "multiply", "arg_1": "#2", "arg_2": "#5", "resp": 517.233 }, { "operator": "divide", "arg_1": "#1", "arg_2": "#6", "resp": 0.01662 }, { "operator": "multiply", "arg_1": "#7", "arg_2": "100", "resp": 1.662 }, { "operator": "round", "arg_1": "#8", "arg_2": "2", "resp": 1.66 } ], "program": [ "divide(1.72, 100)", "multiply(500, #0)", "add(#1, 500)", "divide(20.49, 36500)", "add(1, #3)", "exponent(#4, 30)", "multiply(#2, #5)", "divide(#1, #6)", "multiply(#7, 100)", "round(#8, 2)" ], "question_tense": "FIRST", "financial_terms": [ "PAYMENT PLAN FEE", "CITI FLEX APR", "LOAN REPAYMENT", "ROUNDING RULE", "365-DAY RATE BASIS", "EXPONENTIAL INTEREST CALCULATION", "CITI CARD TERMS" ], "credit_card": "CostcoAnywhereVisa.md" }, { "question": "A customer has an outstanding balance of $5000 and missed their first two payments. The penalty APR is 29.99%, the purchase APR is 20%, and this is a new card. Assume the interest is compounded daily, assume the average month has 30 days, and give the answer in dollars rounded to two places after the decimal point?", "ground_truth": "242.33", "output_units": "$", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 1, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 1, "day": 0, "year": 0, "$": 4, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "5000", "arg_2": "0.016666666666666666", "resp": 83.33333333333333 }, { "operator": "add", "arg_1": "29", "arg_2": "50", "resp": 79 }, { "operator": "add", "arg_1": "#1", "arg_2": "#0", "resp": 162.33333333333331 }, { "operator": "max", "arg_1": "40", "arg_2": "#2", "resp": 162.33333333333331 }, { "operator": "multiply", "arg_1": "40", "arg_2": "2", "resp": 80 }, { "operator": "add", "arg_1": "#3", "arg_2": "#4", "resp": 242.33333333333331 }, { "operator": "round", "arg_1": "#5", "arg_2": "2", "resp": 242.33 } ], "program": [ "multiply(5000, 0.016666666666666666)", "add(29, 50)", "add(#1, #0)", "max(40, #2)", "multiply(40, 2)", "add(#3, #4)", "round(#5, 2)" ], "question_tense": "THIRD", "financial_terms": [ "PENALTY APR", "PURCHASE APR", "LATE PAYMENT", "MINIMUM PAYMENT", "ACCOUNT BALANCE", "DAILY COMPOUNDING", "DAILY COMPOUNDING INTEREST", "THIRTY-DAY INTEREST", "OUTSTANDING BALANCE", "ROUNDING RULE", "MAXIMUM SELECTION", "CHASE CARD TERMS" ], "credit_card": "Visa Agreement (for in-branch offers).pdf-255597.md" }, { "question": "A bank applies a penalty APR if the cardholder makes more than two late payments within 12 months. If a user already made one late payment this year, will they trigger the penalty APR on their next late payment?", "ground_truth": "FALSE", "output_units": "binary", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "add", "arg_1": 1, "arg_2": 1, "resp": 2 }, { "operator": "greater", "arg_1": "#0", "arg_2": 2, "resp": "FALSE" }, { "operator": "if", "arg_1": "#1", "arg_2": "Yes", "arg_3": "No", "resp": "FALSE" } ], "program": [ "add(1, 1)", "greater(#0, 2)", "if(#1, Yes, No)" ], "question_tense": "THIRD", "financial_terms": [ "PENALTY APR", "LATE PAYMENT", "TWELVE-MONTH LOOKBACK RULE", "CONDITIONAL FINANCIAL RULE" ], "credit_card": "Wells Fargo Autograph Journey Visa® Card Agreement-442574.md" }, { "question": "A cardholder makes a purchase of $2000 on their credit card and leaves it unpaid for 2 years. If their APR for Purchases is 14.5%, how much interest will they owe after 2 years using the Average Daily Balance method with compounding as described in the agreement?", "ground_truth": "672.70", "output_units": "$", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 1, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 1, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "0.145", "arg_2": "365", "resp": 0.0003972602739726027 }, { "operator": "multiply", "arg_1": "2", "arg_2": "365", "resp": 730.0 }, { "operator": "add", "arg_1": "1", "arg_2": "#0", "resp": 1.0003972602739726 }, { "operator": "exponent", "arg_1": "#2", "arg_2": "#1", "resp": 1.336350528738483 }, { "operator": "multiply", "arg_1": "2000", "arg_2": "#3", "resp": 2672.701057476966 }, { "operator": "subtract", "arg_1": "#4", "arg_2": "2000", "resp": 672.7010574769661 } ], "program": [ "divide(0.145, 365)", "multiply(2, 365)", "add(1, #0)", "exponent(#2, #1)", "multiply(2000, #3)", "subtract(#4, 2000)" ], "question_tense": "THIRD", "financial_terms": [ "PURCHASE APR", "AVERAGE DAILY BALANCE", "DAILY BALANCE", "365-DAY RATE BASIS", "EXPONENTIAL INTEREST CALCULATION", "CHASE CARD TERMS" ], "credit_card": "US_Bank_Visa_Signature_and_World_Mastercard_Accounts.md" }, { "question": "If I am carrying over a late payment fee from last month to this month and used $20 of credit this billing cycle, will my minimum payment due be $71?", "ground_truth": "FALSE", "output_units": "binary", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "min", "arg_1": "20", "arg_2": "41", "resp": 20 }, { "operator": "add", "arg_1": "#0", "arg_2": "30", "resp": 50 }, { "operator": "equal", "arg_1": "#1", "arg_2": "71", "resp": "FALSE" } ], "program": [ "min(20, 41)", "add(#0, 30)", "equal(#1, 71)" ], "question_tense": "FIRST", "financial_terms": [ "LATE PAYMENT FEE", "MINIMUM PAYMENT", "BILLING CYCLE", "MINIMUM FEE RULE", "BILLING-CYCLE INTEREST", "MINIMUM PAYMENT FORMULA", "MINIMUM SELECTION", "MINIMUM PAYMENT DUE" ], "credit_card": "CostcoAnywhereVisa.md" }, { "question": "If I have a balance of $5 subject to interest starting this month, how much will I accumulate in interest at the end of this 30-day month?", "ground_truth": "0.50", "output_units": "$", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 1, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 1, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "0.05614", "arg_2": "100", "resp": 0.0005614 }, { "operator": "add", "arg_1": "1", "arg_2": "#0", "resp": 1.0005614 }, { "operator": "exponent", "arg_1": "#1", "arg_2": "30", "resp": 1.01697 }, { "operator": "subtract", "arg_1": "#2", "arg_2": "1", "resp": 0.01697 }, { "operator": "multiply", "arg_1": "5", "arg_2": "#3", "resp": 0.08485 }, { "operator": "max", "arg_1": "0.50", "arg_2": "#4", "resp": 0.5 }, { "operator": "round", "arg_1": "#5", "arg_2": "2", "resp": 0.5 } ], "program": [ "divide(0.05614, 100)", "add(1, #0)", "exponent(#1, 30)", "subtract(#2, 1)", "multiply(5, #3)", "max(0.50, #4)", "round(#5, 2)" ], "question_tense": "FIRST", "financial_terms": [ "DAILY PERIODIC RATE", "PURCHASE APR", "MINIMUM INTEREST CHARGE", "ACCOUNT BALANCE", "ROUNDING RULE", "MAXIMUM SELECTION", "EXPONENTIAL INTEREST CALCULATION" ], "credit_card": "CostcoAnywhereVisa.md" }, { "question": "A traveler makes a £200 purchase. If the standard exchange rate is 1.25 USD/GBP, but the bank applies 1.30 USD/GBP, what percentage more did they pay compared to the standard rate?", "ground_truth": "4.00", "output_units": "%", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": 200, "arg_2": 1.3, "resp": 260 }, { "operator": "multiply", "arg_1": 200, "arg_2": 1.25, "resp": 250 }, { "operator": "subtract", "arg_1": "#0", "arg_2": "#1", "resp": 10 }, { "operator": "divide", "arg_1": "#2", "arg_2": "#1", "resp": 0.04 }, { "operator": "multiply", "arg_1": "#3", "arg_2": 100, "resp": 4 } ], "program": [ "multiply(200, 1.3)", "multiply(200, 1.25)", "subtract(#0, #1)", "divide(#2, #1)", "multiply(#3, 100)" ], "question_tense": "THIRD", "financial_terms": [ "PURCHASE TRANSACTION", "FOREIGN TRANSACTION", "CURRENCY CONVERSION", "PERCENTAGE CALCULATION", "EXCHANGE RATE CONVERSION", "PERCENTAGE INCREASE", "CHASE CARD TERMS", "EXCHANGE RATE MARKUP" ], "credit_card": "Discover Near Prime Cardmember Agreement_061824-255535.md" }, { "question": "A traveler makes a £200 purchase. If the standard exchange rate is 1.25 USD/GBP, but the bank applies 1.30 USD/GBP, what percentage more did they pay compared to the standard rate?", "ground_truth": "4.00", "output_units": "%", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": 200, "arg_2": 1.3, "resp": 260 }, { "operator": "multiply", "arg_1": 200, "arg_2": 1.25, "resp": 250 }, { "operator": "subtract", "arg_1": "#0", "arg_2": "#1", "resp": 10 }, { "operator": "divide", "arg_1": "#2", "arg_2": "#1", "resp": 0.04 }, { "operator": "multiply", "arg_1": "#3", "arg_2": 100, "resp": 4 } ], "program": [ "multiply(200, 1.3)", "multiply(200, 1.25)", "subtract(#0, #1)", "divide(#2, #1)", "multiply(#3, 100)" ], "question_tense": "THIRD", "financial_terms": [ "PURCHASE TRANSACTION", "FOREIGN TRANSACTION", "CURRENCY CONVERSION", "PERCENTAGE CALCULATION", "EXCHANGE RATE CONVERSION", "PERCENTAGE INCREASE", "CHASE CARD TERMS", "EXCHANGE RATE MARKUP" ], "credit_card": "Wells Fargo Autograph Journey Visa® Card Agreement-442574.md" }, { "question": "A credit card offers three membership tiers: Standard (annual fee $0), Gold (annual fee $50), and Platinum (annual fee $95). If a cardholder pays $95 per year, what category does their membership fall into based on the annual fee?", "ground_truth": "Platinum", "output_units": "categorical", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 3 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 3 } }, "steps": [ { "operator": "equal", "arg_1": "95", "arg_2": "95", "resp": "TRUE" }, { "operator": "if", "arg_1": "#0", "arg_2": "Platinum", "resp": "Platinum" } ], "program": [ "equal(95, 95)", "if(#0, Platinum)" ], "question_tense": "THIRD", "financial_terms": [ "ANNUAL FEE", "CREDIT TIER", "FINANCIAL CATEGORY CLASSIFICATION", "CARD MEMBERSHIP TIER", "CONDITIONAL FINANCIAL RULE", "ANNUALIZED FEE" ], "credit_card": "Blue Cash Everyday Card Cardmember Agreement-255458.md" }, { "question": "What is the largest possible age (rounded up to the next year) of a cash advance in years that has accrued 105% in interest on its initial balance according to the range of APR for cash advance given in the agreement?", "ground_truth": "3", "output_units": "year", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "add", "arg_1": "1.05", "arg_2": "1", "resp": 2.05 }, { "operator": "ln", "arg_1": "#0", "resp": 0.7178397931503168 }, { "operator": "divide", "arg_1": "0.2924", "arg_2": "365", "resp": 0.0008010958904109589 }, { "operator": "add", "arg_1": "#2", "arg_2": "1", "resp": 1.000801095890411 }, { "operator": "ln", "arg_1": "#3", "resp": 0.0008007751843642813 }, { "operator": "divide", "arg_1": "#1", "arg_2": "#4", "resp": 896.4311172057545 }, { "operator": "divide", "arg_1": "#5", "arg_2": "365", "resp": 2.4559756635774095 }, { "operator": "ceil", "arg_1": "#6", "resp": 3 } ], "program": [ "add(1.05, 1)", "ln(#0)", "divide(0.2924, 365)", "add(#2, 1)", "ln(#3)", "divide(#1, #4)", "divide(#5, 365)", "ceil(#6)" ], "question_tense": "THIRD", "financial_terms": [ "CASH ADVANCE APR", "ACCOUNT BALANCE", "ROUND-UP RULE", "365-DAY RATE BASIS", "LOGARITHMIC PAYOFF CALCULATION", "INTEREST OWED" ], "credit_card": "US_Bank_Visa_Signature_and_World_Mastercard_Accounts.md" }, { "question": "A credit card offers three membership tiers: Standard (annual fee $0), Gold (annual fee $50), and Platinum (annual fee $95). If a cardholder has a Platinum membership, what category does their membership fall into based on the annual fee?", "ground_truth": "Platinum", "output_units": "categorical", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "equal", "arg_1": 95, "arg_2": 95, "resp": "TRUE" }, { "operator": "if", "arg_1": "#0", "arg_2": "Platinum", "arg_3": "Other", "resp": "Platinum" } ], "program": [ "equal(95, 95)", "if(#0, Platinum, Other)" ], "question_tense": "THIRD", "financial_terms": [ "ANNUAL FEE", "CREDIT TIER", "FINANCIAL CATEGORY CLASSIFICATION", "CARD MEMBERSHIP TIER", "CONDITIONAL FINANCIAL RULE", "ANNUALIZED FEE" ], "credit_card": "Wells Fargo Autograph Journey Visa® Card Agreement-442574.md" }, { "question": "Let’s say a credit card charges a 5% cash advance fee and has an interest rate of 25% APR, compounded daily. If the cardholder takes $3000 cash advance and plan to pay it off in 45 days, what is the total amount the cardholder would pay?", "ground_truth": "3248.57", "output_units": "$", "input_units": { "from_doc": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 1, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 1, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "3000", "arg_2": "0.05", "resp": 150.0 }, { "operator": "add", "arg_1": "3000", "arg_2": "#0", "resp": 3150.0 }, { "operator": "divide", "arg_1": "0.25", "arg_2": "365", "resp": 0.0006849315068493151 }, { "operator": "add", "arg_1": "1", "arg_2": "#2", "resp": 1.0006849315068493 }, { "operator": "exponent", "arg_1": "#3", "arg_2": "45", "resp": 1.0312909502114194 }, { "operator": "multiply", "arg_1": "#1", "arg_2": "#4", "resp": 3248.566493165971 }, { "operator": "round", "arg_1": "#5", "arg_2": "2", "resp": 3248.57 } ], "program": [ "multiply(3000, 0.05)", "add(3000, #0)", "divide(0.25, 365)", "add(1, #2)", "exponent(#3, 45)", "multiply(#1, #4)", "round(#5, 2)" ], "question_tense": "THIRD", "financial_terms": [ "CASH ADVANCE APR", "CASH ADVANCE FEE", "DAILY COMPOUNDING", "DAILY COMPOUNDING INTEREST", "ROUNDING RULE", "365-DAY RATE BASIS", "EXPONENTIAL INTEREST CALCULATION" ], "credit_card": "GAPPrivateLabel_combined.md" }, { "question": "A credit card offers four membership tiers: Basic (annual fee $0), Silver (annual fee $150), Gold (annual fee $350), and Platinum (annual fee $550). If a cardholder has a Platinum membership, what category does their membership fall into based on the annual fee?", "ground_truth": "Platinum", "output_units": "categorical", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "equal", "arg_1": "550", "arg_2": "550", "resp": "TRUE" }, { "operator": "if", "arg_1": "#0", "arg_2": "Platinum", "arg_3": "Other", "resp": "Platinum" } ], "program": [ "equal(550, 550)", "if(#0, Platinum, Other)" ], "question_tense": "THIRD", "financial_terms": [ "ANNUAL FEE", "CREDIT TIER", "FINANCIAL CATEGORY CLASSIFICATION", "CARD MEMBERSHIP TIER", "CONDITIONAL FINANCIAL RULE", "ANNUALIZED FEE" ], "credit_card": "Visa_Mastercard_Platinum_Siganture_World_Infinite_English-290260.md" }, { "question": "If the cardholder takes a cash advance of $1,200 from an ATM with a 5% fee, and suppose hypothetically that the maximum allowed fee is $50, will the cardholder be charged $50 as a transaction fee?", "ground_truth": "TRUE", "output_units": "binary", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "1200", "arg_2": "0.05", "resp": 60 }, { "operator": "min", "arg_1": "#0", "arg_2": "50", "resp": 50 }, { "operator": "equal", "arg_1": "#1", "arg_2": "50", "resp": "TRUE" } ], "program": [ "multiply(1200, 0.05)", "min(#0, 50)", "equal(#1, 50)" ], "question_tense": "THIRD", "financial_terms": [ "CASH ADVANCE FEE", "FEE CAP", "ATM CASH ADVANCE", "MAXIMUM FEE CAP", "TRANSACTION FEE CALCULATION", "MINIMUM SELECTION", "PERCENTAGE-BASED FEE" ], "credit_card": "Visa_Mastercard_Platinum_Siganture_World_Infinite_English-290260.md" }, { "question": "I tried to pay my $1000 credit card balance twice from my checking account, but both payments were returned due to insufficient funds. By what maximum possible percentage could my minimum payment increase after these returned payments?", "ground_truth": "172.5", "output_units": "%", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "add", "arg_1": "1000", "arg_2": "0", "resp": 1000.0 }, { "operator": "add", "arg_1": "0.01", "arg_2": "0", "resp": 0.01 }, { "operator": "add", "arg_1": "0", "arg_2": "0", "resp": 0.0 }, { "operator": "multiply", "arg_1": "#1", "arg_2": "#0", "resp": 10.0 }, { "operator": "add", "arg_1": "#2", "arg_2": "#3", "resp": 10.0 }, { "operator": "add", "arg_1": "40", "arg_2": "0", "resp": 40.0 }, { "operator": "max", "arg_1": "#5", "arg_2": "#4", "resp": 40.0 }, { "operator": "add", "arg_1": "29", "arg_2": "0", "resp": 29.0 }, { "operator": "add", "arg_1": "40", "arg_2": "0", "resp": 40.0 }, { "operator": "add", "arg_1": "#7", "arg_2": "#8", "resp": 69.0 }, { "operator": "add", "arg_1": "#6", "arg_2": "#9", "resp": 109.0 }, { "operator": "subtract", "arg_1": "#10", "arg_2": "#6", "resp": 69.0 }, { "operator": "divide", "arg_1": "#11", "arg_2": "#6", "resp": 1.725 }, { "operator": "multiply", "arg_1": "#12", "arg_2": "100", "resp": 172.5 } ], "program": [ "add(1000, 0)", "add(0.01, 0)", "add(0, 0)", "multiply(#1, #0)", "add(#2, #3)", "add(40, 0)", "max(#5, #4)", "add(29, 0)", "add(40, 0)", "add(#7, #8)", "add(#6, #9)", "subtract(#10, #6)", "divide(#11, #6)", "multiply(#12, 100)" ], "question_tense": "FIRST", "financial_terms": [ "RETURNED PAYMENT FEE", "MINIMUM PAYMENT", "ACCOUNT BALANCE", "MINIMUM PAYMENT FORMULA", "MAXIMUM SELECTION" ], "credit_card": "Starbucks Rewards Visa Signature Agreement.pdf-255606.md" }, { "question": "If the cardholder takes $1,600 over-the-counter cash advance with Visa Mastercard Platinum, and the bank charges 5% transaction fee plus 1.8% interest per month, how much will the cardholder owe after 4 months with no payments?", "ground_truth": "1804.26", "output_units": "$", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 1, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 1, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "5", "arg_2": "0.01", "resp": 0.05 }, { "operator": "multiply", "arg_1": "1600", "arg_2": "#0", "resp": 80 }, { "operator": "add", "arg_1": "1600", "arg_2": "#1", "resp": 1680 }, { "operator": "multiply", "arg_1": "1.8", "arg_2": "0.01", "resp": 0.018 }, { "operator": "add", "arg_1": "1", "arg_2": "#3", "resp": 1.018 }, { "operator": "exponent", "arg_1": "#4", "arg_2": "4", "resp": 1.073967470096 }, { "operator": "multiply", "arg_1": "#2", "arg_2": "#5", "resp": 1804.26454976128 }, { "operator": "round", "arg_1": "#6", "arg_2": "2", "resp": 1804.26 } ], "program": [ "multiply(5, 0.01)", "multiply(1600, #0)", "add(1600, #1)", "multiply(1.8, 0.01)", "add(1, #3)", "exponent(#4, 4)", "multiply(#2, #5)", "round(#6, 2)" ], "question_tense": "THIRD", "financial_terms": [ "CASH ADVANCE APR", "CASH ADVANCE FEE", "MONTHLY PAYMENT", "TRANSACTION FEE CALCULATION", "ROUNDING RULE", "EXPONENTIAL INTEREST CALCULATION", "VISA MASTERCARD TERMS", "MONTHLY FEE", "NO-PAYMENT SCENARIO" ], "credit_card": "Visa_Mastercard_Platinum_Siganture_World_Infinite_English-290260.md" }, { "question": "If the chase loan APR is 17.5%, will the interest on a loan of $5000 that has been accruing interest for 4 months be over $200?", "ground_truth": "TRUE", "output_units": "binary", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 1, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 1, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "17.5", "arg_2": "100", "resp": 0.175 }, { "operator": "divide", "arg_1": "#0", "arg_2": "12", "resp": 0.014583333333333332 }, { "operator": "add", "arg_1": "1", "arg_2": "#1", "resp": 1.0145833333333334 }, { "operator": "exponent", "arg_1": "#2", "arg_2": "4", "resp": 1.0596218261907133 }, { "operator": "multiply", "arg_1": "5000", "arg_2": "#3", "resp": 5298.109130953567 }, { "operator": "subtract", "arg_1": "#4", "arg_2": "5000", "resp": 298.1091309535668 }, { "operator": "greater", "arg_1": "#5", "arg_2": "200", "resp": "TRUE" } ], "program": [ "divide(17.5, 100)", "divide(#0, 12)", "add(1, #1)", "exponent(#2, 4)", "multiply(5000, #3)", "subtract(#4, 5000)", "greater(#5, 200)" ], "question_tense": "THIRD", "financial_terms": [ "PAYMENT PLAN", "LOAN REPAYMENT", "EXPONENTIAL INTEREST CALCULATION", "CHASE CARD TERMS", "INTEREST OWED" ], "credit_card": "Visa Agreement (for in-branch offers).pdf-255597.md" }, { "question": "Assume I have two credit card agreements: credit card A and credit card B which both utilize a % of total spent in previous year to calculate this year's annual fee. Credit Card A charges an annual fee given by 5.25% of the previous year's total spending. Credit Card A charges an annual fee given by 4.25% of the previous year's total spending. If I spent $100 last year, would any of these credit cards have an annual fee more than $6?", "ground_truth": "FALSE", "output_units": "binary", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": 100, "arg_2": 0.0525, "resp": 5.25 }, { "operator": "multiply", "arg_1": 100, "arg_2": 0.0425, "resp": 4.25 }, { "operator": "max", "arg_1": "#0", "arg_2": "#1", "resp": 5.25 }, { "operator": "greater", "arg_1": "#2", "arg_2": 6, "resp": "FALSE" } ], "program": [ "multiply(100, 0.0525)", "multiply(100, 0.0425)", "max(#0, #1)", "greater(#2, 6)" ], "question_tense": "THIRD", "financial_terms": [ "ANNUAL FEE", "MAXIMUM SELECTION", "PERCENTAGE-BASED FEE", "ANNUALIZED FEE" ], "credit_card": "Discover Near Prime Cardmember Agreement_061824-255535.md" }, { "question": "If the balance transfer fee is determined by taking the maximum of 5% of the transfer amount and 60.11, will I be charged based on the percentage or the constant if the transfer amount is $1218?", "ground_truth": "Percentage", "output_units": "categorical", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": 5, "arg_2": 100, "resp": 0.05 }, { "operator": "multiply", "arg_1": 1218, "arg_2": "#0", "resp": 60.9 }, { "operator": "greater", "arg_1": "#1", "arg_2": 60.11, "resp": "TRUE" }, { "operator": "if", "arg_1": "#2", "arg_2": "Percentage", "arg_3": "Constant", "resp": "Percentage" } ], "program": [ "divide(5, 100)", "multiply(1218, #0)", "greater(#1, 60.11)", "if(#2, Percentage, Constant)" ], "question_tense": "THIRD", "financial_terms": [ "BALANCE TRANSFER FEE", "ACCOUNT BALANCE", "CONDITIONAL FINANCIAL RULE", "PERCENTAGE-BASED FEE", "BALANCE TRANSFER FEE CAP" ], "credit_card": "Wells Fargo Autograph Journey Visa® Card Agreement-442574.md" }, { "question": "If the cardholder makes $2,000 cash advance by wire transfer and $3,000 ATM cash advance, how much will the cardholder pays in total transaction fees?", "ground_truth": "275.00", "output_units": "$", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "5", "arg_2": "100", "resp": 0.05 }, { "operator": "multiply", "arg_1": "2000", "arg_2": "#0", "resp": 100.0 }, { "operator": "max", "arg_1": "#1", "arg_2": "10", "resp": 100.0 }, { "operator": "add", "arg_1": "#2", "arg_2": "25", "resp": 125.0 }, { "operator": "multiply", "arg_1": "3000", "arg_2": "#0", "resp": 150.0 }, { "operator": "max", "arg_1": "#4", "arg_2": "10", "resp": 150.0 }, { "operator": "add", "arg_1": "#3", "arg_2": "#5", "resp": 275.0 }, { "operator": "round", "arg_1": "#6", "arg_2": "2", "resp": 275.0 } ], "program": [ "divide(5, 100)", "multiply(2000, #0)", "max(#1, 10)", "add(#2, 25)", "multiply(3000, #0)", "max(#4, 10)", "add(#3, #5)", "round(#6, 2)" ], "question_tense": "THIRD", "financial_terms": [ "CASH ADVANCE FEE", "WIRE TRANSFER FEE", "ATM CASH ADVANCE", "TRANSACTION FEE CALCULATION", "ROUNDING RULE", "MAXIMUM SELECTION", "WIRE TRANSFER FEE CALCULATION" ], "credit_card": "GAPCobrand_combined.md" }, { "question": "True or False: According to the credit card agreement, the Returned Payment Fee cannot exceed the amount of the applicable Minimum Payment Due for any given billing cycle?", "ground_truth": "TRUE", "output_units": "binary", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "greater", "arg_1": "1", "arg_2": "0", "resp": "TRUE" } ], "program": [ "greater(1, 0)" ], "question_tense": "THIRD", "financial_terms": [ "RETURNED PAYMENT FEE", "MINIMUM PAYMENT", "BILLING CYCLE", "MINIMUM FEE RULE", "FEE CAP", "MAXIMUM FEE CAP", "BILLING-CYCLE INTEREST", "MINIMUM PAYMENT FORMULA", "TRUE FALSE FINANCIAL RULE", "MINIMUM PAYMENT DUE" ], "credit_card": "GAPCobrand_combined.md" }, { "question": "If a cardholder’s calculated interest for a billing cycle is $0.85, will they be charged more than this due to the minimum interest charge rule?", "ground_truth": "TRUE", "output_units": "binary", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "less", "arg_1": 0.85, "arg_2": 1.0, "resp": "TRUE" }, { "operator": "if", "arg_1": "#0", "arg_2": "Yes", "arg_3": "No", "resp": "TRUE" } ], "program": [ "less(0.85, 1.0)", "if(#0, Yes, No)" ], "question_tense": "THIRD", "financial_terms": [ "MINIMUM INTEREST CHARGE", "BILLING CYCLE", "INTEREST ACCRUAL", "MINIMUM FEE RULE", "BILLING-CYCLE INTEREST", "CONDITIONAL FINANCIAL RULE" ], "credit_card": "Wells Fargo Autograph Journey Visa® Card Agreement-442574.md" }, { "question": "Dean only spent $40 this month so he assumes that the interest he has to pay for this billing cycle will be $1.20. Since that is less than the $2 minimum interest charge requirement in the credit card agreement, he assumes that he will not be charged any interest. Is this assumption correct?", "ground_truth": "FALSE", "output_units": "binary", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "less", "arg_1": "1.20", "arg_2": "2", "resp": "TRUE" }, { "operator": "if", "arg_1": "#0", "arg_2": "FALSE", "arg_3": "TRUE", "resp": "FALSE" } ], "program": [ "less(1.20, 2)", "if(#0, FALSE, TRUE)" ], "question_tense": "THIRD", "financial_terms": [ "PURCHASE APR", "MINIMUM INTEREST CHARGE", "BILLING CYCLE", "INTEREST ACCRUAL", "MINIMUM FEE RULE", "BILLING-CYCLE INTEREST", "CONDITIONAL FINANCIAL RULE" ], "credit_card": "GAPCobrand_combined.md" }, { "question": "If the balance transfer fee is determined by taking the maximum of either 3% of the transfer amount or $5, will I be charged based on the percentage or the dollar constant if the transfer amount is $1218?", "ground_truth": "Percentage", "output_units": "categorical", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 2 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 2 } }, "steps": [ { "operator": "multiply", "arg_1": "3", "arg_2": "0.01", "resp": 0.03 }, { "operator": "multiply", "arg_1": "1218", "arg_2": "#0", "resp": 36.54 }, { "operator": "greater", "arg_1": "#1", "arg_2": "5", "resp": "TRUE" }, { "operator": "if", "arg_1": "#2", "arg_2": "Percentage", "resp": "Percentage" } ], "program": [ "multiply(3, 0.01)", "multiply(1218, #0)", "greater(#1, 5)", "if(#2, Percentage)" ], "question_tense": "THIRD", "financial_terms": [ "BALANCE TRANSFER FEE", "ACCOUNT BALANCE", "CONDITIONAL FINANCIAL RULE", "PERCENTAGE-BASED FEE", "BALANCE TRANSFER FEE CAP" ], "credit_card": "Blue Cash Everyday Card Cardmember Agreement-255458.md" }, { "question": "If the balance transfer fee is determined by taking the maximum of 2.5% of the transfer amount and $40.75, will I be charged based on the percentage or the constant if the transfer amount is $1,500?", "ground_truth": "Constant", "output_units": "categorical", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "2.5", "arg_2": "0.01", "resp": 0.025 }, { "operator": "multiply", "arg_1": "1500", "arg_2": "#0", "resp": 37.5 }, { "operator": "greater", "arg_1": "#1", "arg_2": "40.75", "resp": "FALSE" }, { "operator": "if", "arg_1": "#2", "arg_2": "Percentage", "arg_3": "Constant", "resp": "Constant" } ], "program": [ "multiply(2.5, 0.01)", "multiply(1500, #0)", "greater(#1, 40.75)", "if(#2, Percentage, Constant)" ], "question_tense": "THIRD", "financial_terms": [ "BALANCE TRANSFER FEE", "ACCOUNT BALANCE", "CONDITIONAL FINANCIAL RULE", "PERCENTAGE-BASED FEE", "BALANCE TRANSFER FEE CAP" ], "credit_card": "Visa_Mastercard_Platinum_Siganture_World_Infinite_English-290260.md" }, { "question": "Given the balance transfer data for Bob and Mark’s billing cycles, calculate their balances using the average balance method, apply the balance transfer fee and return the percent difference between the two amounts?", "ground_truth": "39.24", "output_units": "%", "input_units": { "from_doc": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 6, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 6, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "add", "arg_1": "1500", "arg_2": "140", "resp": 1640 }, { "operator": "add", "arg_1": "#0", "arg_2": "0", "resp": 1640 }, { "operator": "add", "arg_1": "#1", "arg_2": "0", "resp": 1640 }, { "operator": "add", "arg_1": "#2", "arg_2": "1000", "resp": 2640 }, { "operator": "divide", "arg_1": "#3", "arg_2": "5", "resp": 528 }, { "operator": "multiply", "arg_1": "#4", "arg_2": "1.03", "resp": 543.84 }, { "operator": "add", "arg_1": "200", "arg_2": "0", "resp": 200 }, { "operator": "add", "arg_1": "#6", "arg_2": "1400", "resp": 1600 }, { "operator": "add", "arg_1": "#7", "arg_2": "2000", "resp": 3600 }, { "operator": "divide", "arg_1": "#8", "arg_2": "5", "resp": 720 }, { "operator": "multiply", "arg_1": "#9", "arg_2": "1.05", "resp": 756 }, { "operator": "subtract", "arg_1": "#10", "arg_2": "#5", "resp": 212.16 }, { "operator": "divide", "arg_1": "#11", "arg_2": "#5", "resp": 0.3924 }, { "operator": "multiply", "arg_1": "#12", "arg_2": "100", "resp": 39.24 } ], "program": [ "add(1500, 140)", "add(#0, 0)", "add(#1, 0)", "add(#2, 1000)", "divide(#3, 5)", "multiply(#4, 1.03)", "add(200, 0)", "add(#6, 1400)", "add(#7, 2000)", "divide(#8, 5)", "multiply(#9, 1.05)", "subtract(#10, #5)", "divide(#11, #5)", "multiply(#12, 100)" ], "question_tense": "THIRD", "financial_terms": [ "BALANCE TRANSFER FEE", "ACCOUNT BALANCE", "BILLING CYCLE", "PERCENTAGE CALCULATION", "BILLING-CYCLE INTEREST", "FINANCIAL DIFFERENCE", "PERCENT DIFFERENCE" ], "credit_card": "GAPCobrand_combined.md" }, { "question": "If I balance transfer $1000 with an 18% APR to another card with 0% APR for 12 months but pay 5% balance transfer fee will I pay less in fees compared to staying on current card?", "ground_truth": "TRUE", "output_units": "binary", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": 18, "arg_2": 100, "resp": 0.18 }, { "operator": "divide", "arg_1": 5, "arg_2": 100, "resp": 0.05 }, { "operator": "multiply", "arg_1": 1000, "arg_2": "#0", "resp": 180 }, { "operator": "multiply", "arg_1": 1000, "arg_2": "#1", "resp": 50 }, { "operator": "greater", "arg_1": "#2", "arg_2": "#3", "resp": "TRUE" }, { "operator": "if", "arg_1": "#4", "arg_2": "Yes", "arg_3": "No", "resp": "TRUE" } ], "program": [ "divide(18, 100)", "divide(5, 100)", "multiply(1000, #0)", "multiply(1000, #1)", "greater(#2, #3)", "if(#4, Yes, No)" ], "question_tense": "FIRST", "financial_terms": [ "PROMOTIONAL APR", "BALANCE TRANSFER APR", "BALANCE TRANSFER FEE", "ACCOUNT BALANCE", "CONDITIONAL FINANCIAL RULE", "ZERO PERCENT PROMOTIONAL APR" ], "credit_card": "Wells Fargo Autograph Journey Visa® Card Agreement-442574.md" }, { "question": "A customer makes a purchase for a new couch for $2,000 with an assumed purchase APR of 20% for the year. They decide that they will not pay off their balance in full. If they carry the balance for 3 years using simple interest, what is the greater value between the interest they owe and $1,000?", "ground_truth": "1200.00", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 0, "year": 1, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 1, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "20", "arg_2": "100", "resp": 0.2 }, { "operator": "multiply", "arg_1": "2000", "arg_2": "#0", "resp": 400.0 }, { "operator": "multiply", "arg_1": "#1", "arg_2": "3", "resp": 1200.0 }, { "operator": "max", "arg_1": "#2", "arg_2": "1000", "resp": 1200.0 } ], "program": [ "divide(20, 100)", "multiply(2000, #0)", "multiply(#1, 3)", "max(#2, 1000)" ], "question_tense": "THIRD", "financial_terms": [ "PURCHASE APR", "ACCOUNT BALANCE", "SIMPLE INTEREST", "PAYOFF TIME", "SIMPLE INTEREST CALCULATION", "BALANCE PAYOFF", "MAXIMUM SELECTION", "CHASE CARD TERMS" ], "credit_card": "Aer Lingus Visa Signature Agreement.pdf-255602.md" }, { "question": "Assume I make $100 purchase a Discovery Near Prime credit card. If my card charges 0.0479% interest per day and I pay my charge 5 days later, what % of initial purchase has to be paid as interest? Round to 2 digits after the decimal point?", "ground_truth": "0.24", "output_units": "%", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 1, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 1, "year": 0, "$": 0, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": 0.0479, "arg_2": 100, "resp": 0.000479 }, { "operator": "add", "arg_1": 1, "arg_2": "#0", "resp": 1.000479 }, { "operator": "exponent", "arg_1": "#1", "arg_2": 5, "resp": 1.002396917874093 }, { "operator": "subtract", "arg_1": "#2", "arg_2": 1, "resp": 0.00239691787409297 }, { "operator": "multiply", "arg_1": "#3", "arg_2": 100, "resp": 0.239691787409297 }, { "operator": "round", "arg_1": "#4", "arg_2": 2, "resp": 0.24 } ], "program": [ "divide(0.0479, 100)", "add(1, #0)", "exponent(#1, 5)", "subtract(#2, 1)", "multiply(#3, 100)", "round(#4, 2)" ], "question_tense": "FIRST", "financial_terms": [ "PURCHASE APR", "PAYMENT DUE DATE", "DAY COUNT CALCULATION", "ROUNDING RULE", "EXPONENTIAL INTEREST CALCULATION", "DISCOVER CARD TERMS", "CHASE CARD TERMS" ], "credit_card": "Discover Near Prime Cardmember Agreement_061824-255535.md" }, { "question": "A Capital One SavorOne check cash advance has an APR of 30.45%. What is its risk category? Low Risk: Below 22% Medium Risk: 22% - 27% High Risk: Above 27%?", "ground_truth": "High Risk", "output_units": "categorical", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "greater", "arg_1": 30.45, "arg_2": 27, "resp": "TRUE" }, { "operator": "less", "arg_1": 30.45, "arg_2": 22, "resp": "FALSE" }, { "operator": "if", "arg_1": "#0", "arg_2": "High Risk", "arg_3": { "operator": "if", "arg_1": "#1", "arg_2": "Low Risk", "arg_3": "Medium Risk" }, "resp": "High Risk" } ], "program": [ "greater(30.45, 27)", "less(30.45, 22)", "if(#0, High Risk, {'operator': 'if', 'arg_1': '#1', 'arg_2': 'Low Risk', 'arg_3': 'Medium Risk'})" ], "question_tense": "THIRD", "financial_terms": [ "CASH ADVANCE APR", "CONVENIENCE CHECK", "CREDIT TIER", "FEE CAP", "RISK-BASED APR", "CONDITIONAL FINANCIAL RULE" ], "credit_card": "Wells Fargo Autograph Journey Visa® Card Agreement-442574.md" }, { "question": "If a customer takes out $1000 cash advance and the fee is the greater of $10 or 4% of the advance amount, will the fee be more than $45?", "ground_truth": "FALSE", "output_units": "binary", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "4", "arg_2": "100", "resp": 0.04 }, { "operator": "multiply", "arg_1": "1000", "arg_2": "#0", "resp": 40.0 }, { "operator": "max", "arg_1": "#1", "arg_2": "10", "resp": 40.0 }, { "operator": "greater", "arg_1": "#2", "arg_2": "45", "resp": "FALSE" } ], "program": [ "divide(4, 100)", "multiply(1000, #0)", "max(#1, 10)", "greater(#2, 45)" ], "question_tense": "THIRD", "financial_terms": [ "CASH ADVANCE FEE", "MINIMUM MAXIMUM FEE RULE", "GREATER-OF FEE RULE", "MAXIMUM SELECTION", "PERCENTAGE-BASED FEE" ], "credit_card": "Aer Lingus Visa Signature Agreement.pdf-255602.md" }, { "question": "If the current APR is 15% and the cardholder has a balance of $1000, with much interest accrues in 1 day based on the DPR, would the cardholder have to pay more than $1 interest?", "ground_truth": "FALSE", "output_units": "binary", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": 15, "arg_2": 100, "resp": 0.15 }, { "operator": "divide", "arg_1": "#0", "arg_2": 365, "resp": 0.000410958904109589 }, { "operator": "multiply", "arg_1": 1000, "arg_2": "#1", "resp": 0.410958904109589 }, { "operator": "greater", "arg_1": "#2", "arg_2": 1, "resp": "FALSE" } ], "program": [ "divide(15, 100)", "divide(#0, 365)", "multiply(1000, #1)", "greater(#2, 1)" ], "question_tense": "THIRD", "financial_terms": [ "DAILY PERIODIC RATE", "APR TO DPR CONVERSION", "ACCOUNT BALANCE", "INTEREST ACCRUAL", "ONE-DAY INTEREST", "365-DAY RATE BASIS" ], "credit_card": "Discover Near Prime Cardmember Agreement_061824-255535.md" }, { "question": "My credit card requires a minimum payment of the greater of $40 or 1% of my new balance, rounded to the highest dollar. If my new balance is $3,725, what will my minimum payment be?", "ground_truth": "40.00", "output_units": "$", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "3725", "arg_2": "0.01", "resp": 37.25 }, { "operator": "max", "arg_1": "#0", "arg_2": "40", "resp": 40 }, { "operator": "ceil", "arg_1": "#1", "arg_2": "", "resp": 40 } ], "program": [ "multiply(3725, 0.01)", "max(#0, 40)", "ceil(#1, )" ], "question_tense": "FIRST", "financial_terms": [ "MINIMUM PAYMENT", "ACCOUNT BALANCE", "GREATER-OF FEE RULE", "MINIMUM PAYMENT FORMULA", "NEW BALANCE", "ROUND-UP RULE", "MAXIMUM SELECTION", "PERCENTAGE-BASED FEE", "MINIMUM PAYMENT ON NEW BALANCE" ], "credit_card": "US_Bank_Elan_Financial.md" }, { "question": "I fail to make my minimum payment toward my balance of $1000. What fraction of my maximum new total balance, with all fees and interest added at the end of the 30-day billing cycle, is made up of penalty fees?", "ground_truth": "2.7496741189574231470746122676809719864666386376127", "output_units": "%", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "add", "arg_1": "1000", "arg_2": "29", "resp": 1029.0 }, { "operator": "divide", "arg_1": "0.08217", "arg_2": "100", "resp": 0.0008217 }, { "operator": "add", "arg_1": "1", "arg_2": "#1", "resp": 1.0008217 }, { "operator": "exponent", "arg_1": "#2", "arg_2": "30", "resp": 1.0249469730898608 }, { "operator": "multiply", "arg_1": "#0", "arg_2": "#3", "resp": 1054.6704353094667 }, { "operator": "divide", "arg_1": "29", "arg_2": "#4", "resp": 0.02749674118957423 }, { "operator": "multiply", "arg_1": "#5", "arg_2": "100", "resp": 2.749674118957423 } ], "program": [ "add(1000, 29)", "divide(0.08217, 100)", "add(1, #1)", "exponent(#2, 30)", "multiply(#0, #3)", "divide(29, #4)", "multiply(#5, 100)" ], "question_tense": "FIRST", "financial_terms": [ "DAILY PERIODIC RATE", "LATE PAYMENT FEE", "MINIMUM PAYMENT", "ACCOUNT BALANCE", "BILLING CYCLE", "MINIMUM FEE RULE", "BILLING-CYCLE INTEREST", "MINIMUM PAYMENT FORMULA", "TOTAL BALANCE", "EXPONENTIAL INTEREST CALCULATION" ], "credit_card": "Starbucks Rewards Visa Signature Agreement.pdf-255606.md" }, { "question": "Let's say I want to use My Chase Plan to finance my purchase of $100. My plan offers half of the maximum fees for 4 months. How much fees am I going to pay? Assume that I will pay the upper bound of APR specified in the credit card agreement and that all of the fees are added at the end of the month. Assume that My Chase Loan payment monthly payment fee is 1.75%?", "ground_truth": "6.83", "output_units": "$", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 1, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 1, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "add", "arg_1": "100", "arg_2": "0", "resp": 100.0 }, { "operator": "add", "arg_1": "1.75", "arg_2": "0", "resp": 1.75 }, { "operator": "divide", "arg_1": "#1", "arg_2": "100", "resp": 0.0175 }, { "operator": "multiply", "arg_1": "#0", "arg_2": "#2", "resp": 1.75 }, { "operator": "add", "arg_1": "19.99", "arg_2": "0", "resp": 19.99 }, { "operator": "divide", "arg_1": "#4", "arg_2": "12", "resp": 1.6658333333333333 }, { "operator": "divide", "arg_1": "#5", "arg_2": "100", "resp": 0.01665833333333333 }, { "operator": "multiply", "arg_1": "#0", "arg_2": "#6", "resp": 1.6658333333333333 }, { "operator": "add", "arg_1": "#3", "arg_2": "#7", "resp": 3.4158333333333335 }, { "operator": "multiply", "arg_1": "#8", "arg_2": "0.5", "resp": 1.7079166666666667 }, { "operator": "add", "arg_1": "4", "arg_2": "0", "resp": 4.0 }, { "operator": "multiply", "arg_1": "#9", "arg_2": "#10", "resp": 6.831666666666667 } ], "program": [ "add(100, 0)", "add(1.75, 0)", "divide(#1, 100)", "multiply(#0, #2)", "add(19.99, 0)", "divide(#4, 12)", "divide(#5, 100)", "multiply(#0, #6)", "add(#3, #7)", "multiply(#8, 0.5)", "add(4, 0)", "multiply(#9, #10)" ], "question_tense": "FIRST", "financial_terms": [ "PURCHASE APR", "PAYMENT PLAN FEE", "LOAN REPAYMENT", "CHASE CARD TERMS" ], "credit_card": "Starbucks Rewards Visa Signature Agreement.pdf-255606.md" }, { "question": "Using an APR for Balance Transfers of 28.24%, assume there is a special promotion on this card that offers 0% APR on balance transfers for 12 months, after which the APR rate applies. If I make $5000 balance transfer and make monthly minimum payments of $50, how much would I have remaining in my balance for the APR rate to apply?", "ground_truth": "4400.00", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 1, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 1, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "50", "arg_2": "12", "resp": 600 }, { "operator": "subtract", "arg_1": "5000", "arg_2": "#0", "resp": 4400 } ], "program": [ "multiply(50, 12)", "subtract(5000, #0)" ], "question_tense": "FIRST", "financial_terms": [ "PROMOTIONAL APR", "BALANCE TRANSFER APR", "MINIMUM PAYMENT", "ACCOUNT BALANCE", "MINIMUM PAYMENT FORMULA", "MINIMUM-ONLY REPAYMENT", "PROMOTIONAL PERIOD REMAINING BALANCE", "ZERO PERCENT PROMOTIONAL APR", "POST-PROMOTIONAL APR" ], "credit_card": "Blue Cash Everyday Card Cardmember Agreement-255458.md" }, { "question": "A cardholder owes $20 in interest from cash advances. How many years will it take for his interest to double in value in the worst case scenario (quickest time)?", "ground_truth": "3", "output_units": "year", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "ln", "arg_1": "2", "resp": 0.6931471805599453 }, { "operator": "divide", "arg_1": "0.2999", "arg_2": "365", "resp": 0.0008216438356164384 }, { "operator": "add", "arg_1": "#1", "arg_2": "1", "resp": 1.0008216438356163 }, { "operator": "ln", "arg_1": "#2", "resp": 0.0008213064711030348 }, { "operator": "divide", "arg_1": "#0", "arg_2": "#3", "resp": 843.9567992554979 }, { "operator": "divide", "arg_1": "#4", "arg_2": "365", "resp": 2.312210408919172 }, { "operator": "ceil", "arg_1": "#5", "resp": 3 } ], "program": [ "ln(2)", "divide(0.2999, 365)", "add(#1, 1)", "ln(#2)", "divide(#0, #3)", "divide(#4, 365)", "ceil(#5)" ], "question_tense": "THIRD", "financial_terms": [ "CASH ADVANCE APR", "ROUND-UP RULE", "365-DAY RATE BASIS", "LOGARITHMIC PAYOFF CALCULATION" ], "credit_card": "US_Bank_Visa_Signature_and_World_Mastercard_Accounts.md" }, { "question": "A cardholder gets a cash advance of $800 and does not pay the cash advance back after 36 months. How much is the total balance including interest that the cardholder owes for the cash advance with an APR for Cash Advances set at 22%? (Assume daily compounding and 30 days a month)?", "ground_truth": "1533.60", "output_units": "$", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 1, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 1, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "36", "arg_2": "30", "resp": 1080.0 }, { "operator": "divide", "arg_1": "0.22", "arg_2": "365", "resp": 0.0006027397260273973 }, { "operator": "add", "arg_1": "#1", "arg_2": "1", "resp": 1.0006027397260273 }, { "operator": "exponent", "arg_1": "#2", "arg_2": "#0", "resp": 1.9170025677171898 }, { "operator": "multiply", "arg_1": "800", "arg_2": "#3", "resp": 1533.6020541737519 } ], "program": [ "multiply(36, 30)", "divide(0.22, 365)", "add(#1, 1)", "exponent(#2, #0)", "multiply(800, #3)" ], "question_tense": "THIRD", "financial_terms": [ "CASH ADVANCE APR", "ACCOUNT BALANCE", "DAILY COMPOUNDING", "DAILY COMPOUNDING INTEREST", "THIRTY-DAY INTEREST", "TOTAL BALANCE", "365-DAY RATE BASIS", "EXPONENTIAL INTEREST CALCULATION" ], "credit_card": "US_Bank_Visa_Signature_and_World_Mastercard_Accounts.md" }, { "question": "I am in debt of $1000 to a loan shark. I could either charge my credit card and pay back my cash advance over the course of 1 year with the bank waiving any other interest and payment fees (except the accumulating cash advance APR) due to my situation, or I could accept the offer of another loan shark offering me $2000 with 15% interest paid back in one year. Should I accept the second loan shark's offer? The bank cash advance fee is 5% and the bank cash advance apr is 29.24%?", "ground_truth": "TRUE", "output_units": "binary", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 3, "month": 0, "day": 0, "year": 1, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 3, "month": 0, "day": 0, "year": 1, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "5", "arg_2": "100", "resp": 0.05 }, { "operator": "add", "arg_1": "1", "arg_2": "#0", "resp": 1.05 }, { "operator": "multiply", "arg_1": "1000", "arg_2": "#1", "resp": 1050.0 }, { "operator": "divide", "arg_1": "29.24", "arg_2": "100", "resp": 0.2924 }, { "operator": "multiply", "arg_1": "#2", "arg_2": "#3", "resp": 307.02 }, { "operator": "divide", "arg_1": "15", "arg_2": "100", "resp": 0.15 }, { "operator": "multiply", "arg_1": "2000", "arg_2": "#5", "resp": 300.0 }, { "operator": "less", "arg_1": "#6", "arg_2": "#4", "resp": "TRUE" } ], "program": [ "divide(5, 100)", "add(1, #0)", "multiply(1000, #1)", "divide(29.24, 100)", "multiply(#2, #3)", "divide(15, 100)", "multiply(2000, #5)", "less(#6, #4)" ], "question_tense": "FIRST", "financial_terms": [ "CASH ADVANCE APR", "CASH ADVANCE FEE", "LOAN REPAYMENT", "CUMULATIVE FEE TOTAL", "BANK CASH ADVANCE" ], "credit_card": "Barclaycard_combined.md" }, { "question": "Using a random credit card, I make $1000 purchase. However, I forget to pay for a total of 6 months upon which it is compounded monthly with a penalty APR of 30%. How much will I owe in interest after 6 months?", "ground_truth": "159.69", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 1, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 1, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": 0.3, "arg_2": 12, "resp": 0.025 }, { "operator": "add", "arg_1": 1, "arg_2": "#0", "resp": 1.025 }, { "operator": "exponent", "arg_1": "#1", "arg_2": 6, "resp": 1.1596934182128906 }, { "operator": "multiply", "arg_1": 1000, "arg_2": "#2", "resp": 1159.6934182128905 }, { "operator": "subtract", "arg_1": "#3", "arg_2": 1000, "resp": 159.6934182128906 }, { "operator": "round", "arg_1": "#4", "arg_2": 2, "resp": 159.69 } ], "program": [ "divide(0.3, 12)", "add(1, #0)", "exponent(#1, 6)", "multiply(1000, #2)", "subtract(#3, 1000)", "round(#4, 2)" ], "question_tense": "THIRD", "financial_terms": [ "PENALTY APR", "PURCHASE APR", "MONTHLY COMPOUNDING", "MONTHLY COMPOUNDING INTEREST", "ROUNDING RULE", "EXPONENTIAL INTEREST CALCULATION", "CHASE CARD TERMS" ], "credit_card": "Discover Near Prime Cardmember Agreement_061824-255535.md" }, { "question": "A customer is offered a Citi Flex Plan but also has the option to make minimum payments on their regular balance. Which option ensures fixed monthly payments without accumulating additional interest?", "ground_truth": "Citi Flex Plan", "output_units": "categorical", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "equal", "arg_1": "1", "arg_2": "1", "resp": "TRUE" }, { "operator": "if", "arg_1": "#0", "arg_2": "Citi Flex Plan", "arg_3": "Regular Credit Card Payments", "resp": "Citi Flex Plan" } ], "program": [ "equal(1, 1)", "if(#0, Citi Flex Plan, Regular Credit Card Payments)" ], "question_tense": "THIRD", "financial_terms": [ "MINIMUM PAYMENT", "ACCOUNT BALANCE", "CITI FLEX APR", "MONTHLY PAYMENT", "MINIMUM PAYMENT FORMULA", "FIXED PAYMENT AMORTIZATION", "CONDITIONAL FINANCIAL RULE", "CITI CARD TERMS", "FIXED MONTHLY REPAYMENT" ], "credit_card": "CitiRewardsStudent_combined.md" }, { "question": "I have $200 balance on my credit card with an APR of 19.99%, but I made $50 payment this month. If interest is charged, will I still be required to pay the minimum interest charge of $1.00?", "ground_truth": "FALSE", "output_units": "binary", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "19.99", "arg_2": "100", "resp": 0.1999 }, { "operator": "divide", "arg_1": "#0", "arg_2": "12", "resp": 0.016658333333333334 }, { "operator": "multiply", "arg_1": "200", "arg_2": "#1", "resp": 3.331666666666667 }, { "operator": "greater", "arg_1": "#2", "arg_2": "1.00", "resp": "TRUE" }, { "operator": "if", "arg_1": "#3", "arg_2": "No", "arg_3": "Yes", "resp": "FALSE" } ], "program": [ "divide(19.99, 100)", "divide(#0, 12)", "multiply(200, #1)", "greater(#2, 1.00)", "if(#3, No, Yes)" ], "question_tense": "FIRST", "financial_terms": [ "MINIMUM INTEREST CHARGE", "ACCOUNT BALANCE", "INTEREST ACCRUAL", "MINIMUM FEE RULE", "CONDITIONAL FINANCIAL RULE" ], "credit_card": "US_Bank_Elan_Financial.md" }, { "question": "If the interest owed on a balance of $2000 resulting from a balance transfer at an APR of 12% is $809.86, how long has the balance been outstanding?", "ground_truth": "3.0000125613341253", "output_units": "year", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "809.86", "arg_2": "2000", "resp": 0.40493 }, { "operator": "add", "arg_1": "1", "arg_2": "#0", "resp": 1.40493 }, { "operator": "divide", "arg_1": "12", "arg_2": "100", "resp": 0.12 }, { "operator": "add", "arg_1": "1", "arg_2": "#2", "resp": 1.12 }, { "operator": "ln", "arg_1": "#1", "arg_2": "1", "resp": 0.3399874794804919 }, { "operator": "ln", "arg_1": "#3", "arg_2": "1", "resp": 0.11332868530700327 }, { "operator": "divide", "arg_1": "#4", "arg_2": "#5", "resp": 3.0000125613341253 } ], "program": [ "divide(809.86, 2000)", "add(1, #0)", "divide(12, 100)", "add(1, #2)", "ln(#1, 1)", "ln(#3, 1)", "divide(#4, #5)" ], "question_tense": "THIRD", "financial_terms": [ "BALANCE TRANSFER APR", "ACCOUNT BALANCE", "PAYOFF TIME", "LOGARITHMIC PAYOFF CALCULATION", "INTEREST OWED" ], "credit_card": "Visa Agreement (for in-branch offers).pdf-255597.md" }, { "question": "If I have a balance of $500 on my credit card balance, what percent of my credit card balance will the late payment fee make up if I make a late payment this month given that I have not made a late payment in the past 6 months?", "ground_truth": "5.52", "output_units": "%", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "29.99", "arg_2": "36500", "resp": 0.0008216438356164383 }, { "operator": "add", "arg_1": "1", "arg_2": "#0", "resp": 1.0008216438356163 }, { "operator": "exponent", "arg_1": "#1", "arg_2": "30", "resp": 1.0249452475436964 }, { "operator": "add", "arg_1": "500", "arg_2": "30", "resp": 530.0 }, { "operator": "multiply", "arg_1": "#3", "arg_2": "#2", "resp": 543.220981198159 }, { "operator": "divide", "arg_1": "30", "arg_2": "#4", "resp": 0.05522614375797911 }, { "operator": "multiply", "arg_1": "#5", "arg_2": "100", "resp": 5.522614375797911 }, { "operator": "round", "arg_1": "#6", "arg_2": "2", "resp": 5.52 } ], "program": [ "divide(29.99, 36500)", "add(1, #0)", "exponent(#1, 30)", "add(500, 30)", "multiply(#3, #2)", "divide(30, #4)", "multiply(#5, 100)", "round(#6, 2)" ], "question_tense": "FIRST", "financial_terms": [ "LATE PAYMENT FEE", "ACCOUNT BALANCE", "ROUNDING RULE", "365-DAY RATE BASIS", "EXPONENTIAL INTEREST CALCULATION" ], "credit_card": "CostcoAnywhereVisa.md" }, { "question": "Suppose a bank determines who pays the re-opening fee based on account type, which is assigned using credit score. A Basic Account (<= 600 credit score) has the cardholder paying the full amount. A Standard Account (<= 750 credit score) has the bank covering half. A Premium Account (> 750 credit score) has the bank waiving the fee. If a cardholder with a credit score of 720 requests to re-open their account, how much will they pay?", "ground_truth": "12.50", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "25", "arg_2": "2", "resp": 12.5 }, { "operator": "less_equal", "arg_1": "720", "arg_2": "750", "resp": "TRUE" }, { "operator": "if", "arg_1": "#1", "arg_2": "#0", "resp": 12.5 } ], "program": [ "divide(25, 2)", "less_equal(720, 750)", "if(#1, #0)" ], "question_tense": "THIRD", "financial_terms": [ "ACCOUNT REOPENING FEE", "CREDIT TIER", "CREDIT-SCORE APR TIER", "CONDITIONAL FINANCIAL RULE" ], "credit_card": "Blue Cash Everyday Card Cardmember Agreement-255458.md" }, { "question": "If the cardholder takes a same-day online cash advance of $950 for Visa Mastercard Platinum, and the fee is 5%, will the cardholder's fee be at least $50?", "ground_truth": "FALSE", "output_units": "binary", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "5", "arg_2": "0.01", "resp": 0.05 }, { "operator": "multiply", "arg_1": "950", "arg_2": "#0", "resp": 47.5 }, { "operator": "greater_equal", "arg_1": "#1", "arg_2": "50", "resp": "FALSE" }, { "operator": "if", "arg_1": "#2", "arg_2": "Yes", "arg_3": "No", "resp": "FALSE" } ], "program": [ "multiply(5, 0.01)", "multiply(950, #0)", "greater_equal(#1, 50)", "if(#2, Yes, No)" ], "question_tense": "THIRD", "financial_terms": [ "CASH ADVANCE FEE", "CONDITIONAL FINANCIAL RULE", "VISA MASTERCARD TERMS", "SAME-DAY ONLINE CASH ADVANCE" ], "credit_card": "Visa_Mastercard_Platinum_Siganture_World_Infinite_English-290260.md" }, { "question": "If a cardholder has a minimum payment addition of $53.1, do they now owe $54 as their minimum payment (due to the rounding rules as specified in the agreement)?", "ground_truth": "TRUE", "output_units": "binary", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "greater", "arg_1": "53.1", "arg_2": "40", "resp": "TRUE" }, { "operator": "ceil", "arg_1": "53.1" }, { "operator": "if", "arg_1": "#0", "arg_2": "#1", "arg_3": "53.1", "resp": 54 }, { "operator": "equal", "arg_1": "#2", "arg_2": "54", "resp": "TRUE" } ], "program": [ "greater(53.1, 40)", "ceil(53.1)", "if(#0, #1, 53.1)", "equal(#2, 54)" ], "question_tense": "THIRD", "financial_terms": [ "MINIMUM PAYMENT", "MINIMUM PAYMENT FORMULA", "ROUND-UP RULE", "CONDITIONAL FINANCIAL RULE" ], "credit_card": "US_Bank_Visa_Signature_and_World_Mastercard_Accounts.md" }, { "question": "The late fee is capped at 100% of the minimum payment. If the standard fee is $39 but the minimum payment is $25, what fee will be charged?", "ground_truth": "25.00", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "min", "arg_1": "39", "arg_2": "25", "resp": 25.0 }, { "operator": "round", "arg_1": "#0", "arg_2": "2", "resp": 25.0 } ], "program": [ "min(39, 25)", "round(#0, 2)" ], "question_tense": "THIRD", "financial_terms": [ "LATE PAYMENT FEE", "MINIMUM PAYMENT", "MINIMUM FEE RULE", "FEE CAP", "MINIMUM PAYMENT FORMULA", "ROUNDING RULE", "MINIMUM SELECTION", "PERCENTAGE-BASED FEE" ], "credit_card": "American Express Gold Card Cardmember Agreement-255468.md" }, { "question": "A cardholder made a wire transfer of $20,000 with a wire transfer fee of 8% of the total transfer amount. If the transfer amount is invested at an annual interest rate of 8% compounded yearly, how long will it take for the initial amount to double from the original value?", "ground_truth": "9", "output_units": "year", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "8", "arg_2": "100", "resp": 0.08 }, { "operator": "divide", "arg_1": "0.72", "arg_2": "#0", "resp": 9 }, { "operator": "ceil", "arg_1": "#1", "resp": 9 } ], "program": [ "divide(8, 100)", "divide(0.72, #0)", "ceil(#1)" ], "question_tense": "THIRD", "financial_terms": [ "WIRE TRANSFER FEE", "PAYOFF TIME", "ROUND-UP RULE", "PERCENTAGE-BASED FEE", "ANNUALIZED FEE", "WIRE TRANSFER FEE CALCULATION" ], "credit_card": "Wells Fargo Autograph Journey Visa® Card Agreement-442574.md" }, { "question": "Assume the cardholder takes a cash advance of $1200. Additionally, the bank charges a weekly maintenance fee of $6 on cash advance balances. How many weeks will it take for total fees (cash advance fee and weekly fee) to reach at least $120? For this hypothetical situation, assume there is no other reoccuring interest, just the weekly service fee?", "ground_truth": "84", "output_units": "day", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "4", "arg_2": "0.01", "resp": 0.04 }, { "operator": "multiply", "arg_1": "1200", "arg_2": "#0", "resp": 48 }, { "operator": "max", "arg_1": "#1", "arg_2": "10", "resp": 48 }, { "operator": "subtract", "arg_1": "120", "arg_2": "#2", "resp": 72 }, { "operator": "divide", "arg_1": "#3", "arg_2": "6", "resp": 12 }, { "operator": "ceil", "arg_1": "#4", "resp": 12 }, { "operator": "multiply", "arg_1": "#5", "arg_2": "7", "resp": 84 } ], "program": [ "multiply(4, 0.01)", "multiply(1200, #0)", "max(#1, 10)", "subtract(120, #2)", "divide(#3, 6)", "ceil(#4)", "multiply(#5, 7)" ], "question_tense": "THIRD", "financial_terms": [ "CASH ADVANCE APR", "CASH ADVANCE FEE", "TOTAL FEE CALCULATION", "ROUND-UP RULE", "MAXIMUM SELECTION" ], "credit_card": "Visa_Mastercard_Platinum_Siganture_World_Infinite_English-290260.md" }, { "question": "I owe my credit card issuer $5000 and plan to pay $400 a month at a 22% APR. I incur an expedited payment fee every month. How much extra do I pay in expedited payment fees as a percent? The expedited fee is $10 every month?", "ground_truth": "2.55", "output_units": "%", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 1, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 1, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "22", "arg_2": "100", "resp": 0.22 }, { "operator": "divide", "arg_1": "#0", "arg_2": "12", "resp": 0.018333333333333333 }, { "operator": "subtract", "arg_1": "400", "arg_2": "10", "resp": 390 }, { "operator": "multiply", "arg_1": "#1", "arg_2": "5000", "resp": 91.66666666666667 }, { "operator": "divide", "arg_1": "#3", "arg_2": "#2", "resp": 0.23504273504273507 }, { "operator": "subtract", "arg_1": "1", "arg_2": "#4", "resp": 0.7649572649572649 }, { "operator": "ln", "arg_1": "#5", "resp": -0.2679353095169465 }, { "operator": "add", "arg_1": "1", "arg_2": "#1", "resp": 1.0183333333333333 }, { "operator": "ln", "arg_1": "#7", "resp": 0.018167303955448934 }, { "operator": "divide", "arg_1": "multiply(-1, #6)", "arg_2": "#8", "resp": 14.77 }, { "operator": "multiply", "arg_1": "#9", "arg_2": "10", "resp": 147.7 }, { "operator": "divide", "arg_1": "#10", "arg_2": "5790", "resp": 0.02550949913644214 }, { "operator": "multiply", "arg_1": "#11", "arg_2": "100", "resp": 2.550949913644214 } ], "program": [ "divide(22, 100)", "divide(#0, 12)", "subtract(400, 10)", "multiply(#1, 5000)", "divide(#3, #2)", "subtract(1, #4)", "ln(#5)", "add(1, #1)", "ln(#7)", "divide(multiply(-1, #6), #8)", "multiply(#9, 10)", "divide(#10, 5790)", "multiply(#11, 100)" ], "question_tense": "FIRST", "financial_terms": [ "CREDIT CARD AGREEMENT TERM", "LOGARITHMIC PAYOFF CALCULATION" ], "credit_card": "Barclaycard_combined.md" }, { "question": "A customer’s payment due date is April 15, 2025, but they make their payment on April 18, 2025. The agreement includes a 2-day grace period, meaning a late fee is only applied if the payment is made more than 2 days after the due date. Will the customer be charged a late fee?", "ground_truth": "TRUE", "output_units": "binary", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 1, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 2, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 3, "year": 0, "$": 0, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "subtract", "arg_1": "18", "arg_2": "15", "resp": 3 }, { "operator": "greater", "arg_1": "#0", "arg_2": "2", "resp": "TRUE" } ], "program": [ "subtract(18, 15)", "greater(#0, 2)" ], "question_tense": "THIRD", "financial_terms": [ "LATE PAYMENT FEE", "GRACE PERIOD", "PAYMENT DUE DATE", "PAYMENT DUE DATE CALCULATION" ], "credit_card": "US_Bank_Elan_Financial.md" }, { "question": "Assume that the cardholder's New Balance is 3000 dollars, interest is 29.57 dollars and the cardholder has no overlimitamount, penalty fees, or amounts past due. What is the minumum payment due?", "ground_truth": "59.00", "output_units": "$", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "subtract", "arg_1": "3000", "arg_2": "29.57", "resp": 2970.43 }, { "operator": "multiply", "arg_1": "#0", "arg_2": "0.01", "resp": 29.7043 }, { "operator": "add", "arg_1": "#1", "arg_2": "29.57", "resp": 59.2743 }, { "operator": "floor", "arg_1": "#2", "resp": 59.0 }, { "operator": "max", "arg_1": "#3", "arg_2": "35", "resp": 59.0 } ], "program": [ "subtract(3000, 29.57)", "multiply(#0, 0.01)", "add(#1, 29.57)", "floor(#2)", "max(#3, 35)" ], "question_tense": "THIRD", "financial_terms": [ "MINIMUM PAYMENT", "OVERLIMIT FEE", "ACCOUNT BALANCE", "NEW BALANCE", "PAST DUE AMOUNT", "ROUND-DOWN RULE", "MAXIMUM SELECTION", "PAST-DUE BALANCE" ], "credit_card": "Barclaycard_combined.md" }, { "question": "A customer has $4,000 credit limit and a current balance of $2,200. They use a convenience check for $1,000, which incurs $30 fee (3%). After this transaction and fee, what will be the customer’s remaining available credit?", "ground_truth": "770.00", "output_units": "$", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 4, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "1000", "arg_2": "0.03", "resp": 30 }, { "operator": "max", "arg_1": "#0", "arg_2": "5", "resp": 30 }, { "operator": "add", "arg_1": "2200", "arg_2": "1000", "resp": 3200 }, { "operator": "add", "arg_1": "#2", "arg_2": "#1", "resp": 3230 }, { "operator": "subtract", "arg_1": "4000", "arg_2": "#3", "resp": 770 } ], "program": [ "multiply(1000, 0.03)", "max(#0, 5)", "add(2200, 1000)", "add(#2, #1)", "subtract(4000, #3)" ], "question_tense": "THIRD", "financial_terms": [ "CASH ADVANCE FEE", "CONVENIENCE CHECK", "CREDIT LIMIT", "CHECK CASH ADVANCE", "CURRENT BALANCE", "AVAILABLE CREDIT", "MAXIMUM SELECTION", "FIXED DOLLAR FEE" ], "credit_card": "US_Bank_Elan_Financial.md" }, { "question": "If the balance transfer APR is 19.5%, will the interest on a balance transfer of $1000 that has been accruing interest for 5 months be over $100?", "ground_truth": "FALSE", "output_units": "binary", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 1, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 1, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "19.5", "arg_2": "100", "resp": 0.195 }, { "operator": "divide", "arg_1": "#0", "arg_2": "12", "resp": 0.01625 }, { "operator": "add", "arg_1": "1", "arg_2": "#1", "resp": 1.01625 }, { "operator": "exponent", "arg_1": "#2", "arg_2": "5", "resp": 1.0839338849343663 }, { "operator": "multiply", "arg_1": "1000", "arg_2": "#3", "resp": 1083.9338849343662 }, { "operator": "subtract", "arg_1": "#4", "arg_2": "1000", "resp": 83.93388493436623 }, { "operator": "greater", "arg_1": "#5", "arg_2": "100", "resp": "FALSE" } ], "program": [ "divide(19.5, 100)", "divide(#0, 12)", "add(1, #1)", "exponent(#2, 5)", "multiply(1000, #3)", "subtract(#4, 1000)", "greater(#5, 100)" ], "question_tense": "THIRD", "financial_terms": [ "BALANCE TRANSFER APR", "ACCOUNT BALANCE", "EXPONENTIAL INTEREST CALCULATION", "INTEREST OWED" ], "credit_card": "Visa Agreement (for in-branch offers).pdf-255597.md" }, { "question": "Suppose a cardholder has a credit balance of $1,500 and misses a payment due date. According to the agreement, the late payment fee is assessed based on the balance. If the late fee is structured as $29 for balances below $1,000 and $40 for balances of $1,000 or more, how much will the cardholder be charged as a late payment fee?", "ground_truth": "40.00", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "less", "arg_1": "1500", "arg_2": "1000", "resp": "FALSE" }, { "operator": "if", "arg_1": "#0", "arg_2": "29", "arg_3": "40", "resp": 40 } ], "program": [ "less(1500, 1000)", "if(#0, 29, 40)" ], "question_tense": "THIRD", "financial_terms": [ "LATE PAYMENT FEE", "ACCOUNT BALANCE", "PAYMENT DUE DATE", "PAYMENT DUE DATE CALCULATION", "CONDITIONAL FINANCIAL RULE" ], "credit_card": "GAPCobrand_combined.md" }, { "question": "If I am in the military, what is the max amount of extra money I could be charged in fees and interest on $10 cash advance over the course of 30 days?", "ground_truth": "0.30", "output_units": "$", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 1, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 1, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "36", "arg_2": "36500", "resp": 0.0009863013698630137 }, { "operator": "add", "arg_1": "1", "arg_2": "#0", "resp": 1.000986301369863 }, { "operator": "exponent", "arg_1": "#1", "arg_2": "30", "resp": 1.0300161264098382 }, { "operator": "subtract", "arg_1": "#2", "arg_2": "1", "resp": 0.030016126409838195 }, { "operator": "multiply", "arg_1": "10", "arg_2": "#3", "resp": 0.30016126409838195 }, { "operator": "round", "arg_1": "#4", "arg_2": "2", "resp": 0.3 } ], "program": [ "divide(36, 36500)", "add(1, #0)", "exponent(#1, 30)", "subtract(#2, 1)", "multiply(10, #3)", "round(#4, 2)" ], "question_tense": "FIRST", "financial_terms": [ "CASH ADVANCE APR", "CASH ADVANCE FEE", "MILITARY LENDING APR", "THIRTY-DAY INTEREST", "ROUNDING RULE", "365-DAY RATE BASIS", "EXPONENTIAL INTEREST CALCULATION", "INTEREST OWED" ], "credit_card": "CostcoAnywhereVisa.md" }, { "question": "If I notice an error of $30 and the credit card issuer makes a mistake under the Fair Credit Billing Act, even though there was no error in the first place, will my entire error be waived?", "ground_truth": "TRUE", "output_units": "binary", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "less_equal", "arg_1": "30", "arg_2": "50", "resp": "TRUE" }, { "operator": "if", "arg_1": "#0", "arg_2": "1", "resp": "TRUE" } ], "program": [ "less_equal(30, 50)", "if(#0, 1)" ], "question_tense": "FIRST", "financial_terms": [ "RETURNED PAYMENT", "BILLING ERROR", "FEE WAIVER", "FAIR CREDIT BILLING ACT", "CONDITIONAL FINANCIAL RULE" ], "credit_card": "Starbucks Rewards Visa Signature Agreement.pdf-255606.md" }, { "question": "If the DPR is 0.075%, and the cardholder has a balance of $1,200, how many days will it take for the total interest to hit $15? Assume that the interest is compounded daily and round the answer up to the next whole number of days?", "ground_truth": "17", "output_units": "day", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "0.075", "arg_2": "100", "resp": 0.00075 }, { "operator": "multiply", "arg_1": "1200", "arg_2": "#0", "resp": 0.9 }, { "operator": "divide", "arg_1": "15", "arg_2": "#1", "resp": 16.6666666667 }, { "operator": "ceil", "arg_1": "#2", "resp": 17 } ], "program": [ "divide(0.075, 100)", "multiply(1200, #0)", "divide(15, #1)", "ceil(#2)" ], "question_tense": "THIRD", "financial_terms": [ "DAILY PERIODIC RATE", "ACCOUNT BALANCE", "DAILY COMPOUNDING", "INTEREST ACCRUAL", "PAYOFF TIME", "DAILY COMPOUNDING INTEREST", "ROUND-UP RULE" ], "credit_card": "Visa_Mastercard_Platinum_Siganture_World_Infinite_English-290260.md" }, { "question": "I am in urgent need of cash but get my paycheck in 15 days. How much can I withdraw from my credit card at an ATM if I only want to use $200 from my paycheck to pay back what I borrowed? The bank cash advance APR is 29.24%?", "ground_truth": "188.00", "output_units": "$", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 1, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 1, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "5", "arg_2": "100", "resp": 0.05 }, { "operator": "add", "arg_1": "1", "arg_2": "#0", "resp": 1.05 }, { "operator": "divide", "arg_1": "29.24", "arg_2": "365", "resp": 0.08010958904109589 }, { "operator": "multiply", "arg_1": "#2", "arg_2": "15", "resp": 1.2016438356164385 }, { "operator": "divide", "arg_1": "#3", "arg_2": "100", "resp": 0.012016438356164384 }, { "operator": "add", "arg_1": "1", "arg_2": "#4", "resp": 1.0120164383561645 }, { "operator": "multiply", "arg_1": "#1", "arg_2": "#5", "resp": 1.0626172602674926 }, { "operator": "divide", "arg_1": "200", "arg_2": "#6", "resp": 188.213 }, { "operator": "floor", "arg_1": "#7", "resp": 188.0 } ], "program": [ "divide(5, 100)", "add(1, #0)", "divide(29.24, 365)", "multiply(#2, 15)", "divide(#3, 100)", "add(1, #4)", "multiply(#1, #5)", "divide(200, #6)", "floor(#7)" ], "question_tense": "FIRST", "financial_terms": [ "CASH ADVANCE APR", "ATM CASH ADVANCE", "ROUND-DOWN RULE", "365-DAY RATE BASIS", "BANK CASH ADVANCE" ], "credit_card": "Barclaycard_combined.md" }, { "question": "I made a purchase of $1000. How bigger are the fees in the first case compared to the second one: 1) Every month, I only make the minimum payment due. 2) I use My Chase PlanSM to finance it with 12 months period. Assume that all fees and interest are added at the end of each 30-day billing cycle and that the new minimum payment is based solely on that total updated balance with no special payment obligations?", "ground_truth": "15.60", "output_units": "$", "input_units": { "from_doc": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "simulate_min_payment_plan", "arg_1": "1000, 0.04381, 30, 40, 0.01", "arg_2": "1", "resp": [ 222, 31 ] }, { "operator": "divide", "arg_1": "1.72", "arg_2": "100", "resp": 0.0172 }, { "operator": "multiply", "arg_1": "#1", "arg_2": "1000", "resp": 17.2 }, { "operator": "multiply", "arg_1": "#2", "arg_2": "12", "resp": 206.39999999999998 }, { "operator": "subtract", "arg_1": "#0[0]", "arg_2": "#3", "resp": 15.6 } ], "program": [ "simulate_min_payment_plan(1000, 0.04381, 30, 40, 0.01, 1)", "divide(1.72, 100)", "multiply(#1, 1000)", "multiply(#2, 12)", "subtract(#0[0], #3)" ], "question_tense": "FIRST", "financial_terms": [ "PURCHASE APR", "MINIMUM PAYMENT", "PAYMENT PLAN FEE", "ACCOUNT BALANCE", "BILLING CYCLE", "MINIMUM FEE RULE", "BILLING-CYCLE INTEREST", "MINIMUM PAYMENT FORMULA", "CHASE CARD TERMS", "MINIMUM PAYMENT DUE", "MINIMUM-ONLY REPAYMENT" ], "credit_card": "Starbucks Rewards Visa Signature Agreement.pdf-255606.md" }, { "question": "If I have a new adjusted balance of $45 on October 20th, what is my minimum payment due on the next billing cycle? I also have an overdue amount of $40 from the last cycle including interest?", "ground_truth": "81.00", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "greater_equal", "arg_1": "45", "arg_2": "41", "resp": "TRUE" }, { "operator": "if", "arg_1": "#0", "arg_2": "41", "arg_3": "45", "resp": 41 }, { "operator": "add", "arg_1": "#1", "arg_2": "40", "resp": 81 }, { "operator": "round", "arg_1": "#2", "arg_2": "2", "resp": 81.0 } ], "program": [ "greater_equal(45, 41)", "if(#0, 41, 45)", "add(#1, 40)", "round(#2, 2)" ], "question_tense": "FIRST", "financial_terms": [ "MINIMUM PAYMENT", "ACCOUNT BALANCE", "BILLING CYCLE", "BILLING-CYCLE INTEREST", "MINIMUM PAYMENT FORMULA", "ROUNDING RULE", "CONDITIONAL FINANCIAL RULE", "MINIMUM PAYMENT DUE" ], "credit_card": "CitiStrataPremier.md" }, { "question": "What is the percent difference between the returned check fee Iowa residents vs everyone else? Use the minimum fee for this calculation?", "ground_truth": "93", "output_units": "%", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "subtract", "arg_1": "29", "arg_2": "15", "resp": 14.0 }, { "operator": "divide", "arg_1": "#0", "arg_2": "15", "resp": 0.9333333333333333 }, { "operator": "multiply", "arg_1": "#1", "arg_2": "100", "resp": 93.33333333333333 } ], "program": [ "subtract(29, 15)", "divide(#0, 15)", "multiply(#1, 100)" ], "question_tense": "THIRD", "financial_terms": [ "RETURNED PAYMENT FEE", "MINIMUM FEE RULE", "PERCENTAGE CALCULATION", "MINIMUM FEE FLOOR", "STATE-SPECIFIC RATE CAP", "FINANCIAL DIFFERENCE", "PERCENT DIFFERENCE", "STATE-SPECIFIC FEE RULE" ], "credit_card": "Barclaycard_combined.md" }, { "question": "If a cardholder has $5,500 balance and a DPR of 0.0589%, will their interest exceed $50 after 30 days?", "ground_truth": "TRUE", "output_units": "binary", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 1, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 1, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": 0.0589, "arg_2": 100, "resp": 0.000589 }, { "operator": "multiply", "arg_1": 5500, "arg_2": "#0", "resp": 3.2395 }, { "operator": "multiply", "arg_1": "#1", "arg_2": 30, "resp": 97.185 }, { "operator": "greater", "arg_1": "#2", "arg_2": 50, "resp": "TRUE" } ], "program": [ "divide(0.0589, 100)", "multiply(5500, #0)", "multiply(#1, 30)", "greater(#2, 50)" ], "question_tense": "THIRD", "financial_terms": [ "DAILY PERIODIC RATE", "ACCOUNT BALANCE", "INTEREST ACCRUAL", "THIRTY-DAY INTEREST", "INTEREST THRESHOLD" ], "credit_card": "Discover Near Prime Cardmember Agreement_061824-255535.md" }, { "question": "A customer takes a Chase LoanSM of $5,000 with the maximum possible APR for exceeding their credit card limit. Assume no payments are made so that simple interest accrues on the full principal annually. After how many full years will the accrued interest be at least $3,448.50?", "ground_truth": "3", "output_units": "year", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "22.99", "arg_2": "100", "resp": 0.2299 }, { "operator": "multiply", "arg_1": "5000", "arg_2": "#0", "resp": 1149.5 }, { "operator": "divide", "arg_1": "3448.5", "arg_2": "#1", "resp": 3 } ], "program": [ "divide(22.99, 100)", "multiply(5000, #0)", "divide(3448.5, #1)" ], "question_tense": "THIRD", "financial_terms": [ "SIMPLE INTEREST", "INTEREST ACCRUAL", "SIMPLE INTEREST CALCULATION", "PRINCIPAL REDUCTION", "LOAN REPAYMENT", "CHASE CARD TERMS", "NO-PAYMENT SCENARIO" ], "credit_card": "Aer Lingus Visa Signature Agreement.pdf-255602.md" }, { "question": "If I make a purchase of $100 and pay $50 per month for two months, how much money will I owe after two months?", "ground_truth": "0.86", "output_units": "$", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 2, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 2, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "20.49", "arg_2": "365", "resp": 0.05613698630136986 }, { "operator": "divide", "arg_1": "#0", "arg_2": "100", "resp": 0.0005613698630136986 }, { "operator": "add", "arg_1": "1", "arg_2": "#1", "resp": 1.0005613698630138 }, { "operator": "exponent", "arg_1": "#2", "arg_2": "30", "resp": 1.0169789010797021 }, { "operator": "subtract", "arg_1": "100", "arg_2": "50", "resp": 50.0 }, { "operator": "multiply", "arg_1": "#4", "arg_2": "#3", "resp": 50.848945053985105 }, { "operator": "subtract", "arg_1": "#5", "arg_2": "50", "resp": 0.8489450539851049 }, { "operator": "multiply", "arg_1": "#6", "arg_2": "#3", "resp": 0.8633592080788204 }, { "operator": "round", "arg_1": "#7", "arg_2": "2", "resp": 0.86 } ], "program": [ "divide(20.49, 365)", "divide(#0, 100)", "add(1, #1)", "exponent(#2, 30)", "subtract(100, 50)", "multiply(#4, #3)", "subtract(#5, 50)", "multiply(#6, #3)", "round(#7, 2)" ], "question_tense": "FIRST", "financial_terms": [ "PURCHASE TRANSACTION", "MONTHLY PAYMENT", "ROUNDING RULE", "365-DAY RATE BASIS", "EXPONENTIAL INTEREST CALCULATION", "CHASE CARD TERMS" ], "credit_card": "CostcoAnywhereVisa.md" }, { "question": "I made a purchase for $100 with my credit card. I plan to pay off quarter of it right away and do not make any other payments until the end of the month. What percentage of initial purchase amount will I pay in fees at the end of the month? Assume that I will pay the lower bound of APR specified in the credit card agreement and that required min payment is $10?", "ground_truth": "0.999375%", "output_units": "%", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "100", "arg_2": "4", "resp": 25 }, { "operator": "subtract", "arg_1": "100", "arg_2": "#0", "resp": 75 }, { "operator": "divide", "arg_1": "15.99", "arg_2": "1200", "resp": 0.013325 }, { "operator": "multiply", "arg_1": "#1", "arg_2": "#2", "resp": 0.999375 }, { "operator": "divide", "arg_1": "#3", "arg_2": "100", "resp": 0.00999375 }, { "operator": "multiply", "arg_1": "#4", "arg_2": "100", "resp": 0.999375 } ], "program": [ "divide(100, 4)", "subtract(100, #0)", "divide(15.99, 1200)", "multiply(#1, #2)", "divide(#3, 100)", "multiply(#4, 100)" ], "question_tense": "FIRST", "financial_terms": [ "PURCHASE APR", "MINIMUM PAYMENT", "PAYOFF TIME", "PERCENTAGE CALCULATION", "BALANCE PAYOFF", "CHASE CARD TERMS" ], "credit_card": "Starbucks Rewards Visa Signature Agreement.pdf-255606.md" }, { "question": "A cardholder gets a cash advance of $1000, how much does the cardholder owe in interest after 2 years of not paying back the cash advance with an APR for Cash Advances set at 21%? (Assume daily compounding as specified in the agreement)?", "ground_truth": "521.78", "output_units": "$", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 1, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 1, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "2", "arg_2": "365", "resp": 730.0 }, { "operator": "divide", "arg_1": "0.21", "arg_2": "365", "resp": 0.0005753424657534246 }, { "operator": "add", "arg_1": "#1", "arg_2": "1", "resp": 1.0005753424657535 }, { "operator": "exponent", "arg_1": "#2", "arg_2": "#0", "resp": 1.5217777509058668 }, { "operator": "multiply", "arg_1": "1000", "arg_2": "#3", "resp": 1521.7777509058667 }, { "operator": "subtract", "arg_1": "#4", "arg_2": "1000", "resp": 521.7777509058667 } ], "program": [ "multiply(2, 365)", "divide(0.21, 365)", "add(#1, 1)", "exponent(#2, #0)", "multiply(1000, #3)", "subtract(#4, 1000)" ], "question_tense": "THIRD", "financial_terms": [ "CASH ADVANCE APR", "DAILY COMPOUNDING", "DAILY COMPOUNDING INTEREST", "365-DAY RATE BASIS", "EXPONENTIAL INTEREST CALCULATION" ], "credit_card": "US_Bank_Visa_Signature_and_World_Mastercard_Accounts.md" }, { "question": "Assume I have the maximum citi flex APR. If I make a purchase of $1000 using the citi flex plan, how much interest will I pay after 6 months?", "ground_truth": "155.40", "output_units": "$", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 1, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 1, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "29.24", "arg_2": "100", "resp": 0.2924 }, { "operator": "divide", "arg_1": "#0", "arg_2": "12", "resp": 0.02436666666666667 }, { "operator": "add", "arg_1": "1", "arg_2": "#1", "resp": 1.0243666666666666 }, { "operator": "exponent", "arg_1": "#2", "arg_2": "6", "resp": 1.1554 }, { "operator": "multiply", "arg_1": "1000", "arg_2": "#3", "resp": 1155.4 }, { "operator": "subtract", "arg_1": "#4", "arg_2": "1000", "resp": 155.4 }, { "operator": "round", "arg_1": "#5", "arg_2": "2", "resp": 155.4 } ], "program": [ "divide(29.24, 100)", "divide(#0, 12)", "add(1, #1)", "exponent(#2, 6)", "multiply(1000, #3)", "subtract(#4, 1000)", "round(#5, 2)" ], "question_tense": "THIRD", "financial_terms": [ "PURCHASE APR", "CITI FLEX APR", "ROUNDING RULE", "EXPONENTIAL INTEREST CALCULATION", "CHASE CARD TERMS", "CITI CARD TERMS" ], "credit_card": "CitiStrataPremier.md" }, { "question": "ISuppose there is an update to the credit card agreement that says a Visa Mastercard Platinum cash equivalent transaction now has a minimum fee of $15 is the 5% fee is less than $15. If the cardholder makes $220 transaction, how much will the cardholder be charged?", "ground_truth": "15.00", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "5", "arg_2": "0.01", "resp": 0.05 }, { "operator": "multiply", "arg_1": "220", "arg_2": "#0", "resp": 11 }, { "operator": "max", "arg_1": "#1", "arg_2": "15", "resp": 15 } ], "program": [ "multiply(5, 0.01)", "multiply(220, #0)", "max(#1, 15)" ], "question_tense": "THIRD", "financial_terms": [ "CASH ADVANCE FEE", "MINIMUM FEE RULE", "CASH EQUIVALENT TRANSACTION", "MINIMUM FEE FLOOR", "MAXIMUM SELECTION", "VISA MASTERCARD TERMS", "PERCENTAGE-BASED FEE" ], "credit_card": "Visa_Mastercard_Platinum_Siganture_World_Infinite_English-290260.md" }, { "question": "A cardholder wants to determine if paying the $550 annual fee at once is cheaper than paying a monthly installment that includes a 2% processing fee per installment. If the installment plan charges a monthly fee, will the total cost exceed $550?", "ground_truth": "TRUE", "output_units": "binary", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "550", "arg_2": "0.02", "resp": 11 }, { "operator": "add", "arg_1": "550", "arg_2": "#0", "resp": 561 }, { "operator": "greater", "arg_1": "#1", "arg_2": "550", "resp": "TRUE" }, { "operator": "if", "arg_1": "#2", "arg_2": "Yes", "arg_3": "No", "resp": "TRUE" } ], "program": [ "multiply(550, 0.02)", "add(550, #0)", "greater(#1, 550)", "if(#2, Yes, No)" ], "question_tense": "THIRD", "financial_terms": [ "ANNUAL FEE", "CONDITIONAL FINANCIAL RULE", "ANNUALIZED FEE" ], "credit_card": "Visa_Mastercard_Platinum_Siganture_World_Infinite_English-290260.md" }, { "question": "There are two credit card holders using a credit card with a 1.33% monthly plan fee. Cardholder 1 spent a total of $3,000, while Cardholder 2 spent a total of $4,500. After 5 months, which cardholder will have paid more in plan fees, based on their respective balances?", "ground_truth": "Holder 2", "output_units": "categorical", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 1, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 1, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "3000", "arg_2": "0.0133", "resp": 39.9 }, { "operator": "multiply", "arg_1": "#0", "arg_2": "5", "resp": 199.5 }, { "operator": "multiply", "arg_1": "4500", "arg_2": "0.0133", "resp": 59.85 }, { "operator": "multiply", "arg_1": "#2", "arg_2": "5", "resp": 299.25 }, { "operator": "greater", "arg_1": "#3", "arg_2": "#1", "resp": "TRUE" }, { "operator": "constant", "arg_1": "Holder 2", "resp": "Holder 2" } ], "program": [ "multiply(3000, 0.0133)", "multiply(#0, 5)", "multiply(4500, 0.0133)", "multiply(#2, 5)", "greater(#3, #1)", "constant(Holder 2)" ], "question_tense": "THIRD", "financial_terms": [ "PAYMENT PLAN FEE", "CARD OPTION COMPARISON", "MONTHLY PLAN FEE" ], "credit_card": "Delta SkyMiles Platinum American Express Card Cardmember Agreement-255454.md" }, { "question": "My billing cycle started on October 1st 2025. Suppose on October 5th, the WSJ posted a new U.S. Prime Rate. On what day will my balance be subject to the new variable APR subject to the new U.S. Prime Rate? Assume the prime rate stays the same until the next billing cycle?", "ground_truth": "November 1st 2025", "output_units": "categorical", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 1, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 2, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 3, "year": 0, "$": 0, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "add", "arg_1": "1", "arg_2": "31", "resp": 32 }, { "operator": "equal", "arg_1": "#0", "arg_2": "32", "resp": "TRUE" }, { "operator": "if", "arg_1": "#1", "arg_2": "November 1st 2025", "arg_3": "", "resp": "November 1st 2025" } ], "program": [ "add(1, 31)", "equal(#0, 32)", "if(#1, November 1st 2025, )" ], "question_tense": "FIRST", "financial_terms": [ "PRIME RATE", "VARIABLE APR", "BILLING CYCLE", "PAYOFF TIME", "BILLING-CYCLE INTEREST", "CONDITIONAL FINANCIAL RULE" ], "credit_card": "CitiStrataPremier.md" }, { "question": "How much can my citi flex loan DPR increase before it becomes as much as the variable APR limit? Answer as a percentage rounded to 4 decimal places?", "ground_truth": "0.0260", "output_units": "%", "input_units": { "from_doc": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "29.99", "arg_2": "365", "resp": 0.08216438356164384 }, { "operator": "subtract", "arg_1": "#0", "arg_2": "0.05614", "resp": 0.02602438356164384 }, { "operator": "multiply", "arg_1": "#1", "arg_2": "10000", "resp": 260.2438356164384 }, { "operator": "round", "arg_1": "#2", "arg_2": "0", "resp": 260.0 }, { "operator": "divide", "arg_1": "#3", "arg_2": "10000", "resp": 0.026 } ], "program": [ "divide(29.99, 365)", "subtract(#0, 0.05614)", "multiply(#1, 10000)", "round(#2, 0)", "divide(#3, 10000)" ], "question_tense": "FIRST", "financial_terms": [ "VARIABLE APR", "DAILY PERIODIC RATE", "APR TO DPR CONVERSION", "PERCENTAGE CALCULATION", "CITI FLEX APR", "LOAN REPAYMENT", "ROUNDING RULE", "365-DAY RATE BASIS", "CITI CARD TERMS" ], "credit_card": "CostcoAnywhereVisa.md" }, { "question": "On September 5, a customer purchases $1,200 suit in India using their credit card. The card charges a 3% foreign transaction fee, and an additional 1.5% exchange rate fee is applied to the purchase amount. Assuming no other fees or payments are made, how much in total fees will the customer owe from this transaction?", "ground_truth": "54.00", "output_units": "$", "input_units": { "from_doc": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "3", "arg_2": "100", "resp": 0.03 }, { "operator": "multiply", "arg_1": "1200", "arg_2": "#0", "resp": 36.0 }, { "operator": "divide", "arg_1": "1.5", "arg_2": "100", "resp": 0.015 }, { "operator": "multiply", "arg_1": "1200", "arg_2": "#2", "resp": 18.0 }, { "operator": "add", "arg_1": "#1", "arg_2": "#3", "resp": 54.0 } ], "program": [ "divide(3, 100)", "multiply(1200, #0)", "divide(1.5, 100)", "multiply(1200, #2)", "add(#1, #3)" ], "question_tense": "THIRD", "financial_terms": [ "PURCHASE TRANSACTION", "FOREIGN TRANSACTION FEE", "CURRENCY CONVERSION", "EXCHANGE RATE CONVERSION", "TRANSACTION FEE CALCULATION", "TOTAL FEE CALCULATION", "CHASE CARD TERMS" ], "credit_card": "Aer Lingus Visa Signature Agreement.pdf-255602.md" }, { "question": "A traveler in Europe spends €30 per day, and their Visa Mastercard Platinum card applies a foreign currency conversion rate of 1.12 USD/EUR. How many days will it take for their total spending to exceed $600 USD?", "ground_truth": "18", "output_units": "day", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "30", "arg_2": "1.12", "resp": 33.6 }, { "operator": "divide", "arg_1": "600", "arg_2": "#0", "resp": 17.8571428571 }, { "operator": "ceil", "arg_1": "#1", "arg_2": "", "resp": 18 } ], "program": [ "multiply(30, 1.12)", "divide(600, #0)", "ceil(#1, )" ], "question_tense": "THIRD", "financial_terms": [ "FOREIGN TRANSACTION", "PAYOFF TIME", "CURRENCY CONVERSION", "FOREIGN CURRENCY CONVERSION", "ROUND-UP RULE", "VISA MASTERCARD TERMS" ], "credit_card": "Visa_Mastercard_Platinum_Siganture_World_Infinite_English-290260.md" }, { "question": "How much extra money do I accumulate in interest over the course of 12 days if I take out $1500 citi flex loan compared to if I took out $500 citi flex loan?", "ground_truth": "6.76", "output_units": "$", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 1, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 1, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "0.05614", "arg_2": "100", "resp": 0.0005614 }, { "operator": "add", "arg_1": "1", "arg_2": "#0", "resp": 1.0005614 }, { "operator": "exponent", "arg_1": "#1", "arg_2": "12", "resp": 1.00676 }, { "operator": "subtract", "arg_1": "#2", "arg_2": "1", "resp": 0.00676 }, { "operator": "subtract", "arg_1": "1500", "arg_2": "500", "resp": 1000 }, { "operator": "multiply", "arg_1": "#4", "arg_2": "#3", "resp": 6.76 }, { "operator": "round", "arg_1": "#5", "arg_2": "2", "resp": 6.76 } ], "program": [ "divide(0.05614, 100)", "add(1, #0)", "exponent(#1, 12)", "subtract(#2, 1)", "subtract(1500, 500)", "multiply(#4, #3)", "round(#5, 2)" ], "question_tense": "THIRD", "financial_terms": [ "DAILY PERIODIC RATE", "CITI FLEX APR", "LOAN REPAYMENT", "ROUNDING RULE", "EXPONENTIAL INTEREST CALCULATION", "CITI CARD TERMS" ], "credit_card": "CostcoAnywhereVisa.md" }, { "question": "I take out $4,000 cash advance with an APR for Cash Advances of 29.24%, and I do not make any payments for 45 days. How much interest will accrue on my balance?A $1,200 cash advance accrues interest daily at a DPR of 0.0008011. If their billing cycle closes in 40 days and no payments are made, how much interest will accrue by the time the due date arrives?", "ground_truth": "38.45", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 1, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 1, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "1200", "arg_2": "0.0008011", "resp": 0.96132 }, { "operator": "multiply", "arg_1": "#0", "arg_2": "40", "resp": 38.4528 } ], "program": [ "multiply(1200, 0.0008011)", "multiply(#0, 40)" ], "question_tense": "FIRST", "financial_terms": [ "DAILY PERIODIC RATE", "APR TO DPR CONVERSION", "CASH ADVANCE APR", "ACCOUNT BALANCE", "BILLING CYCLE", "PAYMENT DUE DATE", "BILLING-CYCLE INTEREST", "PAYMENT DUE DATE CALCULATION", "NO-PAYMENT SCENARIO" ], "credit_card": "US_Bank_Elan_Financial.md" }, { "question": "If a customer seeks to pay off their loan for their yearly trip to the Bahamas which they spent $3500 on the hotel, $150 on drinks, and paid for each of their 5 friends $80 for a jetski with an assumed purchase APR of 10% for the year, what percentage of the loan will be paid by the end of the year?", "ground_truth": "10", "output_units": "%", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "add", "arg_1": "3500", "arg_2": "150", "resp": 3650.0 }, { "operator": "multiply", "arg_1": "5", "arg_2": "80", "resp": 400.0 }, { "operator": "add", "arg_1": "#0", "arg_2": "#1", "resp": 4050.0 }, { "operator": "divide", "arg_1": "10", "arg_2": "100", "resp": 0.1 }, { "operator": "multiply", "arg_1": "#2", "arg_2": "#3", "resp": 405.0 }, { "operator": "divide", "arg_1": "#4", "arg_2": "#2", "resp": 0.1 }, { "operator": "multiply", "arg_1": "#5", "arg_2": "100", "resp": 10.0 } ], "program": [ "add(3500, 150)", "multiply(5, 80)", "add(#0, #1)", "divide(10, 100)", "multiply(#2, #3)", "divide(#4, #2)", "multiply(#5, 100)" ], "question_tense": "THIRD", "financial_terms": [ "PURCHASE APR", "PAYOFF TIME", "PERCENTAGE CALCULATION", "BALANCE PAYOFF", "LOAN REPAYMENT", "CHASE CARD TERMS" ], "credit_card": "Aer Lingus Visa Signature Agreement.pdf-255602.md" }, { "question": "The credit card agreement states that if the cardholder exceed the cardholder's credit line, the cardholder is required to pay the amount by which the cardholder's balance exceeds the credit line as part of the cardholder's Minimum Payment Due. If a customer has a credit line of $2,000 and their balance reaches $2,250 due to an overlimit transaction, how much of the overlimit amount must they pay as part of their Minimum Payment Due?", "ground_truth": "250.00", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "subtract", "arg_1": "2250", "arg_2": "2000", "resp": 250.0 } ], "program": [ "subtract(2250, 2000)" ], "question_tense": "THIRD", "financial_terms": [ "MINIMUM PAYMENT", "OVERLIMIT FEE", "ACCOUNT BALANCE", "CREDIT LIMIT", "MINIMUM PAYMENT FORMULA", "CREDIT LINE", "MINIMUM PAYMENT DUE", "BALANCE THRESHOLD" ], "credit_card": "GAPCobrand_combined.md" }, { "question": "If I have a balance of 500 dollars on my credit card, does the late fee have a greater impact than the APR over the course of 60 days given that it is my first ever late fee?", "ground_truth": "TRUE", "output_units": "binary", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 1, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 1, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "29.99", "arg_2": "36500", "resp": 0.0008216438356164384 }, { "operator": "add", "arg_1": "1", "arg_2": "#0", "resp": 1.0008216438356163 }, { "operator": "exponent", "arg_1": "#1", "arg_2": "30", "resp": 1.024943 }, { "operator": "subtract", "arg_1": "#2", "arg_2": "1", "resp": 0.024943 }, { "operator": "add", "arg_1": "500", "arg_2": "30", "resp": 530.0 }, { "operator": "multiply", "arg_1": "#4", "arg_2": "#3", "resp": 13.21979 }, { "operator": "greater", "arg_1": "30", "arg_2": "#5", "resp": "TRUE" } ], "program": [ "divide(29.99, 36500)", "add(1, #0)", "exponent(#1, 30)", "subtract(#2, 1)", "add(500, 30)", "multiply(#4, #3)", "greater(30, #5)" ], "question_tense": "FIRST", "financial_terms": [ "LATE PAYMENT FEE", "365-DAY RATE BASIS", "EXPONENTIAL INTEREST CALCULATION" ], "credit_card": "CostcoAnywhereVisa.md" }, { "question": "If a customer has a new balance of $2,000, a new interest charge of $50, and then a late fee of $25 is added, what is the total minimum payment due for this billing cycle?", "ground_truth": "95.00", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "2000", "arg_2": "0.01", "resp": 20.0 }, { "operator": "add", "arg_1": "#0", "arg_2": "50", "resp": 70.0 }, { "operator": "add", "arg_1": "#1", "arg_2": "25", "resp": 95.0 }, { "operator": "max", "arg_1": "#2", "arg_2": "35", "resp": 95.0 } ], "program": [ "multiply(2000, 0.01)", "add(#0, 50)", "add(#1, 25)", "max(#2, 35)" ], "question_tense": "THIRD", "financial_terms": [ "LATE PAYMENT FEE", "MINIMUM PAYMENT", "ACCOUNT BALANCE", "BILLING CYCLE", "INTEREST ACCRUAL", "MINIMUM FEE RULE", "BILLING-CYCLE INTEREST", "MINIMUM PAYMENT FORMULA", "NEW BALANCE", "MAXIMUM SELECTION", "MINIMUM PAYMENT DUE", "MINIMUM PAYMENT ON NEW BALANCE" ], "credit_card": "Visa_Mastercard_Secured_English-290258.md" }, { "question": "If my average daily balance is $1,500 for the past 10 days and I switch to $500 daily balance, how many days will it take to lower my average daily balance to $1,200?", "ground_truth": "5", "output_units": "day", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 1, "year": 0, "$": 3, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 1, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": 1500, "arg_2": 10, "resp": 15000 }, { "operator": "multiply", "arg_1": 1200, "arg_2": 10, "resp": 12000 }, { "operator": "subtract", "arg_1": "#0", "arg_2": "#1", "resp": 3000 }, { "operator": "subtract", "arg_1": 1200, "arg_2": 500, "resp": 700 }, { "operator": "divide", "arg_1": "#2", "arg_2": "#3", "resp": 4.285714285714286 }, { "operator": "ceil", "arg_1": "#4", "resp": 5 } ], "program": [ "multiply(1500, 10)", "multiply(1200, 10)", "subtract(#0, #1)", "subtract(1200, 500)", "divide(#2, #3)", "ceil(#4)" ], "question_tense": "FIRST", "financial_terms": [ "AVERAGE DAILY BALANCE", "PAYOFF TIME", "DAILY BALANCE", "ROUND-UP RULE" ], "credit_card": "Blue Cash Everyday Card Cardmember Agreement-255458.md" }, { "question": "A customer spends $1,500 at another country trip with a 3% foreign transaction fee in that assumed country. This country states that they do not have an exchange rate fee policy. Will the foreign transaction fee exceed $50?", "ground_truth": "FALSE", "output_units": "binary", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "3", "arg_2": "100", "resp": 0.03 }, { "operator": "multiply", "arg_1": "1500", "arg_2": "#0", "resp": 45 }, { "operator": "greater", "arg_1": "#1", "arg_2": "50", "resp": "FALSE" } ], "program": [ "divide(3, 100)", "multiply(1500, #0)", "greater(#1, 50)" ], "question_tense": "THIRD", "financial_terms": [ "FOREIGN TRANSACTION FEE", "CURRENCY CONVERSION", "EXCHANGE RATE CONVERSION", "TRANSACTION FEE CALCULATION" ], "credit_card": "Aer Lingus Visa Signature Agreement.pdf-255602.md" }, { "question": "A cardholder’s membership fee is waived for the first year but applies in the second year. If they cancel before the fee is applied, will they pay the fee?", "ground_truth": "FALSE", "output_units": "binary", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 1 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 1 } }, "steps": [ { "operator": "equal", "arg_1": "First Year", "arg_2": "First Year", "resp": "TRUE" }, { "operator": "if", "arg_1": "#0", "arg_2": "FALSE", "arg_3": "TRUE", "resp": "FALSE" } ], "program": [ "equal(First Year, First Year)", "if(#0, FALSE, TRUE)" ], "question_tense": "THIRD", "financial_terms": [ "ANNUAL FEE", "FEE WAIVER", "ACCOUNT CANCELLATION", "CONDITIONAL FINANCIAL RULE" ], "credit_card": "CitiRewardsStudent_combined.md" }, { "question": "If a cardholder places $500 purchase into a plan with a monthly fee of 1.33%, what will be the total amount owed (purchase + fees) after exactly 3 months, assuming the fee compounds monthly?", "ground_truth": "520.22", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 3, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 3, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "1.33", "arg_2": "100", "resp": 0.0133 }, { "operator": "add", "arg_1": "1", "arg_2": "#0", "resp": 1.0133 }, { "operator": "exponent", "arg_1": "#1", "arg_2": "3", "resp": 1.040436 }, { "operator": "multiply", "arg_1": "500", "arg_2": "#2", "resp": 520.218 }, { "operator": "round", "arg_1": "#3", "arg_2": "2", "resp": 520.22 } ], "program": [ "divide(1.33, 100)", "add(1, #0)", "exponent(#1, 3)", "multiply(500, #2)", "round(#3, 2)" ], "question_tense": "THIRD", "financial_terms": [ "PURCHASE TRANSACTION", "PAYMENT PLAN FEE", "ROUNDING RULE", "EXPONENTIAL INTEREST CALCULATION", "CHASE CARD TERMS" ], "credit_card": "American Express Gold Card Cardmember Agreement-255468.md" }, { "question": "A customer has a new balance of $1,000, new interest charges of $20, and no late fee. what percentage of the New Balance total is the total minimum payment due?", "ground_truth": "3.5", "output_units": "%", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "1000", "arg_2": "0.01", "resp": 10 }, { "operator": "add", "arg_1": "#0", "arg_2": "20", "resp": 30 }, { "operator": "max", "arg_1": "#1", "arg_2": "35", "resp": 35 }, { "operator": "divide", "arg_1": "#2", "arg_2": "1000", "resp": 0.035 }, { "operator": "multiply", "arg_1": "#3", "arg_2": "100", "resp": 3.5 } ], "program": [ "multiply(1000, 0.01)", "add(#0, 20)", "max(#1, 35)", "divide(#2, 1000)", "multiply(#3, 100)" ], "question_tense": "THIRD", "financial_terms": [ "LATE PAYMENT FEE", "MINIMUM PAYMENT", "ACCOUNT BALANCE", "INTEREST ACCRUAL", "MINIMUM FEE RULE", "PERCENTAGE CALCULATION", "MINIMUM PAYMENT FORMULA", "NEW BALANCE", "MAXIMUM SELECTION", "MINIMUM PAYMENT DUE", "MINIMUM PAYMENT ON NEW BALANCE" ], "credit_card": "Visa_Mastercard_Secured_English-290258.md" }, { "question": "Suppose a bank assigns different APRs for purchases based on credit score. Basic Tier (<= 600 credit score) has 29.99% APR. Standard Tier (<= 750 credit score) has 21.99% APR. Premium Tier (> 750 credit score) has 16.99% APR If a cardholder with a credit score of 710 wants to know their DPR, what is it?", "ground_truth": "0.0603", "output_units": "%", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "21.99", "arg_2": "100", "resp": 0.2199 }, { "operator": "divide", "arg_1": "#0", "arg_2": "365", "resp": 0.0006024657534246575 }, { "operator": "multiply", "arg_1": "#1", "arg_2": "100", "resp": 0.06024657534246575 } ], "program": [ "divide(21.99, 100)", "divide(#0, 365)", "multiply(#1, 100)" ], "question_tense": "THIRD", "financial_terms": [ "DAILY PERIODIC RATE", "APR TO DPR CONVERSION", "PURCHASE APR", "CREDIT TIER", "CREDIT-SCORE APR TIER", "365-DAY RATE BASIS", "CHASE CARD TERMS" ], "credit_card": "Blue Cash Everyday Card Cardmember Agreement-255458.md" }, { "question": "Assuming there is a large fee that includes attorneys' fees, costs, and expert and witness fees. A cardholder is entitled to $4,500 after the arbitrator rules in their favor. However, the minimum payment entitlement rule applies. After receiving the entitlement, the cardholder uses $3,000 for costs. If the cardholder initially had $15,000 before receiving the entitlement, how much money will the cardholder have remaining?", "ground_truth": "17000.00", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "max", "arg_1": "4500", "arg_2": "5000", "resp": 5000.0 }, { "operator": "subtract", "arg_1": "#0", "arg_2": "3000", "resp": 2000.0 }, { "operator": "add", "arg_1": "15000", "arg_2": "#1", "resp": 17000.0 } ], "program": [ "max(4500, 5000)", "subtract(#0, 3000)", "add(15000, #1)" ], "question_tense": "THIRD", "financial_terms": [ "MINIMUM PAYMENT", "ARBITRATION AWARD", "MINIMUM FEE RULE", "MINIMUM PAYMENT FORMULA", "ARBITRATION PAYMENT", "MAXIMUM SELECTION" ], "credit_card": "Delta SkyMiles Platinum American Express Card Cardmember Agreement-255454.md" }, { "question": "A customer misses their payment deadline. According to the cardholder agreement, the late fee is the lesser of $41 or the minimum payment due. If the minimum payment due was $30, what late fee will the customer be charged?", "ground_truth": "30.00", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "min", "arg_1": "30", "arg_2": "41", "resp": 30 } ], "program": [ "min(30, 41)" ], "question_tense": "THIRD", "financial_terms": [ "LATE PAYMENT FEE", "MINIMUM PAYMENT", "MINIMUM FEE RULE", "LESSER-OF FEE RULE", "MINIMUM PAYMENT FORMULA", "MINIMUM SELECTION", "MINIMUM PAYMENT DUE" ], "credit_card": "US_Bank_Elan_Financial.md" }, { "question": "In 2 consecutives months, a customers payment on their card has been returned. This is the first time the customer has incurred a payment violation. How much will the customer owe in fees?", "ground_truth": "69.00", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "if", "arg_1": "true", "arg_2": "40", "resp": 40 }, { "operator": "if", "arg_1": "false", "arg_2": "29", "resp": 29 }, { "operator": "add", "arg_1": "#0", "arg_2": "#1", "resp": 69 } ], "program": [ "if(true, 40)", "if(false, 29)", "add(#0, #1)" ], "question_tense": "THIRD", "financial_terms": [ "RETURNED PAYMENT FEE", "FIRST-OCCURRENCE FEE RULE", "RECURRING PAYMENT VIOLATION", "CONDITIONAL FINANCIAL RULE" ], "credit_card": "Visa Agreement (for in-branch offers).pdf-255597.md" }, { "question": "A cardholder is planning to choose between two credit cards. Card A is the American Express Gold and has a cash advance APR of Prime Rate + 21.99%, and Card B of a unknown issuer has a fixed cash advance APR of 28.50%. If the Prime Rate is 6.00%, which card offers a lower APR for cash advances?", "ground_truth": "Card A", "output_units": "categorical", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 3, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 3, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "add", "arg_1": "6.00", "arg_2": "21.99", "resp": 27.99 }, { "operator": "less", "arg_1": "#0", "arg_2": "28.50", "resp": "TRUE" }, { "operator": "if", "arg_1": "#1", "arg_2": "Card A", "arg_3": "Card B", "resp": "Card A" } ], "program": [ "add(6.00, 21.99)", "less(#0, 28.50)", "if(#1, Card A, Card B)" ], "question_tense": "THIRD", "financial_terms": [ "PRIME RATE", "CASH ADVANCE APR", "CARD OPTION COMPARISON", "CONDITIONAL FINANCIAL RULE" ], "credit_card": "American Express Gold Card Cardmember Agreement-255468.md" }, { "question": "Suppose a bank assigns different APRs for purchases based on credit score. Basic Tier (<= 600 credit score) has 29.99% APR. Standard Tier (<= 750 credit score) has 21.99% APR. Premium Tier (> 750 credit score) has 16.99% APR If a cardholder with a credit score of 710 wants to know their DPR, what is it?", "ground_truth": "0.06", "output_units": "%", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": 21.99, "arg_2": 100, "resp": 0.21989999999999998 }, { "operator": "divide", "arg_1": "#0", "arg_2": 365, "resp": 0.0006024657534246575 }, { "operator": "multiply", "arg_1": "#1", "arg_2": 100, "resp": 0.06024657534246575 } ], "program": [ "divide(21.99, 100)", "divide(#0, 365)", "multiply(#1, 100)" ], "question_tense": "THIRD", "financial_terms": [ "DAILY PERIODIC RATE", "APR TO DPR CONVERSION", "PURCHASE APR", "CREDIT TIER", "CREDIT-SCORE APR TIER", "365-DAY RATE BASIS", "CHASE CARD TERMS" ], "credit_card": "Discover Near Prime Cardmember Agreement_061824-255535.md" }, { "question": "If a cardholder has $5,500 balance and a DPR of 0.0589%, will their interest exceed $50 after 30 days?", "ground_truth": "TRUE", "output_units": "binary", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 1, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 1, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "5500", "arg_2": "0.000589", "resp": 3.2395 }, { "operator": "multiply", "arg_1": "#0", "arg_2": "30", "resp": 97.185 }, { "operator": "greater", "arg_1": "#1", "arg_2": "50", "resp": "TRUE" } ], "program": [ "multiply(5500, 0.000589)", "multiply(#0, 30)", "greater(#1, 50)" ], "question_tense": "THIRD", "financial_terms": [ "DAILY PERIODIC RATE", "ACCOUNT BALANCE", "INTEREST ACCRUAL", "THIRTY-DAY INTEREST", "INTEREST THRESHOLD" ], "credit_card": "Blue Cash Everyday Card Cardmember Agreement-255458.md" }, { "question": "A customer makes two cash advances: one for $500 and one for $1,500. What is their total cash advance fee if the rate is 5% with $10 minimum per transaction?", "ground_truth": "100.00", "output_units": "$", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "5", "arg_2": "100", "resp": 0.05 }, { "operator": "multiply", "arg_1": "500", "arg_2": "#0", "resp": 25.0 }, { "operator": "max", "arg_1": "#1", "arg_2": "10", "resp": 25.0 }, { "operator": "multiply", "arg_1": "1500", "arg_2": "#0", "resp": 75.0 }, { "operator": "max", "arg_1": "#3", "arg_2": "10", "resp": 75.0 }, { "operator": "add", "arg_1": "#2", "arg_2": "#4", "resp": 100.0 } ], "program": [ "divide(5, 100)", "multiply(500, #0)", "max(#1, 10)", "multiply(1500, #0)", "max(#3, 10)", "add(#2, #4)" ], "question_tense": "THIRD", "financial_terms": [ "CASH ADVANCE FEE", "MINIMUM FEE RULE", "MAXIMUM SELECTION", "PER-TRANSACTION FEE", "CASH ADVANCE MINIMUM FEE" ], "credit_card": "CitiRewardsStudent_combined.md" }, { "question": "Suppose the cardholder makes a cash advance of $500 on the cardholder's credit card. The interest is calculated using simple interest and no payments or additional fees are applied during the year. How many years does it take for the interest to accumulate to $125?", "ground_truth": "1", "output_units": "year", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "24.99", "arg_2": "100", "resp": 0.2499 }, { "operator": "multiply", "arg_1": "500", "arg_2": "#0", "resp": 124.95 }, { "operator": "divide", "arg_1": "125", "arg_2": "#1", "resp": 1.0004 }, { "operator": "floor", "arg_1": "#2", "arg_2": "1", "resp": 1 } ], "program": [ "divide(24.99, 100)", "multiply(500, #0)", "divide(125, #1)", "floor(#2, 1)" ], "question_tense": "THIRD", "financial_terms": [ "CASH ADVANCE APR", "CASH ADVANCE FEE", "SIMPLE INTEREST", "SIMPLE INTEREST CALCULATION", "ROUND-DOWN RULE", "NO-PAYMENT SCENARIO" ], "credit_card": "Aer Lingus Visa Signature Agreement.pdf-255602.md" }, { "question": "A small business owner is considering adding supplementary cards for their employees. They must decide whether to issue the cards based on seniority or department need. Option 1: Issue cards to the 5 most senior employees. Option 2: Issue cards to 2 senior employees and 4 department heads. If they go with Option 2, what will be the total additional card fee?", "ground_truth": "35.00", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "add", "arg_1": "2", "arg_2": "4", "resp": 6.0 }, { "operator": "greater", "arg_1": "#0", "arg_2": "5", "resp": "TRUE" }, { "operator": "subtract", "arg_1": "#0", "arg_2": "5", "resp": 1.0 }, { "operator": "if", "arg_1": "#1", "arg_2": "#2", "arg_3": "0", "resp": 1.0 }, { "operator": "multiply", "arg_1": "#3", "arg_2": "35", "resp": 35.0 } ], "program": [ "add(2, 4)", "greater(#0, 5)", "subtract(#0, 5)", "if(#1, #2, 0)", "multiply(#3, 35)" ], "question_tense": "THIRD", "financial_terms": [ "ANNUAL FEE", "CONDITIONAL FINANCIAL RULE" ], "credit_card": "American Express Gold Card Cardmember Agreement-255468.md" }, { "question": "A cardholder has an APR of 22.99% but gets a special promotional rate for the first 6 months. If the promotional rate is 0%, will their Purchase Daily Periodic Rate be lower during this time?", "ground_truth": "TRUE", "output_units": "binary", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "22.99", "arg_2": "365", "resp": 0.06298630136986301 }, { "operator": "divide", "arg_1": "0", "arg_2": "365", "resp": 0.0 }, { "operator": "greater", "arg_1": "#0", "arg_2": "#1", "resp": "TRUE" } ], "program": [ "divide(22.99, 365)", "divide(0, 365)", "greater(#0, #1)" ], "question_tense": "THIRD", "financial_terms": [ "PROMOTIONAL APR", "DAILY PERIODIC RATE", "PURCHASE APR", "365-DAY RATE BASIS", "CHASE CARD TERMS" ], "credit_card": "CitiRewardsStudent_combined.md" }, { "question": "A customer has $6,000 credit limit and a current balance of $2,500. They initiate $2,000 balance transfer, which incurs $60 fee (3%). After this transaction and the fee, what will be the customer’s remaining available credit?", "ground_truth": "1440.00", "output_units": "$", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 4, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "2000", "arg_2": "0.03", "resp": 60 }, { "operator": "max", "arg_1": "#0", "arg_2": "5", "resp": 60 }, { "operator": "add", "arg_1": "2500", "arg_2": "2000", "resp": 4500 }, { "operator": "add", "arg_1": "#2", "arg_2": "#1", "resp": 4560 }, { "operator": "subtract", "arg_1": "6000", "arg_2": "#3", "resp": 1440 } ], "program": [ "multiply(2000, 0.03)", "max(#0, 5)", "add(2500, 2000)", "add(#2, #1)", "subtract(6000, #3)" ], "question_tense": "THIRD", "financial_terms": [ "BALANCE TRANSFER FEE", "ACCOUNT BALANCE", "CREDIT LIMIT", "CURRENT BALANCE", "AVAILABLE CREDIT", "MAXIMUM SELECTION", "FIXED DOLLAR FEE" ], "credit_card": "US_Bank_Elan_Financial.md" }, { "question": "If the APR is 20%, is the DPR 0.0547945%?", "ground_truth": "TRUE", "output_units": "binary", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": 20, "arg_2": 365, "resp": 0.0547945205 }, { "operator": "equal", "arg_1": "#0", "arg_2": 0.0547945, "resp": "TRUE" }, { "operator": "if", "arg_1": "#1", "arg_2": "Yes", "arg_3": "No", "resp": "TRUE" } ], "program": [ "divide(20, 365)", "equal(#0, 0.0547945)", "if(#1, Yes, No)" ], "question_tense": "THIRD", "financial_terms": [ "DAILY PERIODIC RATE", "APR TO DPR CONVERSION", "365-DAY RATE BASIS", "CONDITIONAL FINANCIAL RULE" ], "credit_card": "Wells Fargo Autograph Journey Visa® Card Agreement-442574.md" }, { "question": "A customer has $80 balance with an APR of 29.99%, and interest is compounded daily at a rate of 0.0008219 per day. The minimum interest charge is $1.00 if interest applies. If interest accrues daily, how many days will it take before the customer is charged the full $1.00 minimum interest fee?", "ground_truth": "15.2", "output_units": "day", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "80", "arg_2": "0.0008219", "resp": 0.065752 }, { "operator": "divide", "arg_1": "1", "arg_2": "#0", "resp": 15.208662854361844 } ], "program": [ "multiply(80, 0.0008219)", "divide(1, #0)" ], "question_tense": "THIRD", "financial_terms": [ "MINIMUM INTEREST CHARGE", "ACCOUNT BALANCE", "DAILY COMPOUNDING", "INTEREST ACCRUAL", "PAYOFF TIME", "MINIMUM FEE RULE", "DAILY COMPOUNDING INTEREST" ], "credit_card": "US_Bank_Elan_Financial.md" }, { "question": "Assuming a cash advance fee of 3% of the amount or a minimum of $10, a credit card holder takes a cash advance of $500 every month for 5 months. The cardholder has $300 in reserve. Does the cardholder have enough in reserve to cover the total cash advance fees over the 5 months?", "ground_truth": "TRUE", "output_units": "binary", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 2, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 2, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "500", "arg_2": "0.03", "resp": 15.0 }, { "operator": "max", "arg_1": "#0", "arg_2": "10", "resp": 15.0 }, { "operator": "multiply", "arg_1": "#1", "arg_2": "5", "resp": 75.0 }, { "operator": "greater", "arg_1": "300", "arg_2": "#2", "resp": "TRUE" } ], "program": [ "multiply(500, 0.03)", "max(#0, 10)", "multiply(#1, 5)", "greater(300, #2)" ], "question_tense": "THIRD", "financial_terms": [ "CASH ADVANCE FEE", "MINIMUM FEE RULE", "MAXIMUM SELECTION", "PERCENTAGE-BASED FEE", "CASH ADVANCE MINIMUM FEE" ], "credit_card": "Delta SkyMiles Platinum American Express Card Cardmember Agreement-255454.md" }, { "question": "Suppose the cardholder takes a cash advance of $500 using the cardholder's Gap Card. The card agreement states that the cash advance fee is 5% of the amount withdrawn, with a minimum charge of $10. Calculate the total fee the cardholder will be charged?", "ground_truth": "25.00", "output_units": "$", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "5", "arg_2": "100", "resp": 0.05 }, { "operator": "multiply", "arg_1": "500", "arg_2": "#0", "resp": 25.0 }, { "operator": "max", "arg_1": "#1", "arg_2": "10", "resp": 25.0 }, { "operator": "round", "arg_1": "#2", "arg_2": "2", "resp": 25.0 } ], "program": [ "divide(5, 100)", "multiply(500, #0)", "max(#1, 10)", "round(#2, 2)" ], "question_tense": "THIRD", "financial_terms": [ "CASH ADVANCE FEE", "MINIMUM FEE RULE", "ROUNDING RULE", "MAXIMUM SELECTION", "GAP CARD TERMS", "PERCENTAGE-BASED FEE", "CASH ADVANCE MINIMUM FEE" ], "credit_card": "GAPCobrand_combined.md" }, { "question": "Assume I have the minimum citi flex APR, and made a purchase of $1000 using the citi flex plan. How much interest will I pay in 6 months?", "ground_truth": "111.01", "output_units": "$", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 1, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 1, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "21.24", "arg_2": "100", "resp": 0.2124 }, { "operator": "divide", "arg_1": "#0", "arg_2": "12", "resp": 0.0177 }, { "operator": "add", "arg_1": "1", "arg_2": "#1", "resp": 1.0177 }, { "operator": "exponent", "arg_1": "#2", "arg_2": "6", "resp": 1.111014 }, { "operator": "multiply", "arg_1": "1000", "arg_2": "#3", "resp": 1111.014 }, { "operator": "subtract", "arg_1": "#4", "arg_2": "1000", "resp": 111.014 }, { "operator": "round", "arg_1": "#5", "arg_2": "2", "resp": 111.01 } ], "program": [ "divide(21.24, 100)", "divide(#0, 12)", "add(1, #1)", "exponent(#2, 6)", "multiply(1000, #3)", "subtract(#4, 1000)", "round(#5, 2)" ], "question_tense": "THIRD", "financial_terms": [ "PURCHASE APR", "CITI FLEX APR", "ROUNDING RULE", "EXPONENTIAL INTEREST CALCULATION", "CHASE CARD TERMS", "CITI CARD TERMS" ], "credit_card": "CitiStrataPremier.md" }, { "question": "If I take out a citi flex loan and leave it unpaid for 22 days, how much extra of the original loan have I accumulated? Give answer as percentage rounded to hundredths place?", "ground_truth": "1.24", "output_units": "%", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 1, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 1, "year": 0, "$": 0, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "0.05614", "arg_2": "100", "resp": 0.0005614 }, { "operator": "add", "arg_1": "1", "arg_2": "#0", "resp": 1.0005614 }, { "operator": "exponent", "arg_1": "#1", "arg_2": "22", "resp": 1.012418 }, { "operator": "subtract", "arg_1": "#2", "arg_2": "1", "resp": 0.012418 }, { "operator": "multiply", "arg_1": "#3", "arg_2": "100", "resp": 1.2418 }, { "operator": "round", "arg_1": "#4", "arg_2": "2", "resp": 1.24 } ], "program": [ "divide(0.05614, 100)", "add(1, #0)", "exponent(#1, 22)", "subtract(#2, 1)", "multiply(#3, 100)", "round(#4, 2)" ], "question_tense": "FIRST", "financial_terms": [ "DAILY PERIODIC RATE", "CITI FLEX APR", "LOAN REPAYMENT", "ROUNDING RULE", "EXPONENTIAL INTEREST CALCULATION", "CITI CARD TERMS" ], "credit_card": "CostcoAnywhereVisa.md" }, { "question": "If the cardholder had my first ever payment returned 9 months ago and it happens for the second time ever again today, would I end up paying the \"same\" returned payment fee as later, or \"greater\"? Pick an answer between \"same\" and \"greater\"?", "ground_truth": "greater", "output_units": "categorical", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 1, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 1, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "less_equal", "arg_1": "9", "arg_2": "12", "resp": "TRUE" }, { "operator": "if", "arg_1": "#0", "arg_2": "greater", "arg_3": "same", "resp": "greater" } ], "program": [ "less_equal(9, 12)", "if(#0, greater, same)" ], "question_tense": "FIRST", "financial_terms": [ "RETURNED PAYMENT FEE", "CONDITIONAL FINANCIAL RULE" ], "credit_card": "Wells Fargo Autograph Journey Visa® Card Agreement-442574.md" }, { "question": "If the cardholder takes a cash advance of $900 from an ATM with a 5% fee, and the maximum allowed fee is $100, will the cardholder be charged $100 as a transaction fee?", "ground_truth": "FALSE", "output_units": "binary", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "900", "arg_2": "0.05", "resp": 45 }, { "operator": "equal", "arg_1": "#0", "arg_2": "100", "resp": "FALSE" } ], "program": [ "multiply(900, 0.05)", "equal(#0, 100)" ], "question_tense": "THIRD", "financial_terms": [ "CASH ADVANCE FEE", "FEE CAP", "ATM CASH ADVANCE", "MAXIMUM FEE CAP", "TRANSACTION FEE CALCULATION", "PERCENTAGE-BASED FEE" ], "credit_card": "Blue Cash Everyday Card Cardmember Agreement-255458.md" }, { "question": "There is a credit card holder who has had their credit card for a total of 5 years with the card having an annual membership fee of $150 per year. They have also been spending a total of $75 per year in additional purchases. There is another person who has the same credit card for a total of 4 years. Person 2 spends $50 per year in purchases. Given this, did credit card holder 1 or 2 spend more overall?", "ground_truth": "Holder 1", "output_units": "categorical", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 2, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 2, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "add", "arg_1": "150", "arg_2": "75", "resp": 225.0 }, { "operator": "multiply", "arg_1": "#0", "arg_2": "5", "resp": 1125.0 }, { "operator": "add", "arg_1": "150", "arg_2": "50", "resp": 200.0 }, { "operator": "multiply", "arg_1": "#2", "arg_2": "4", "resp": 800.0 }, { "operator": "greater", "arg_1": "#1", "arg_2": "#3", "resp": "TRUE" }, { "operator": "constant", "arg_1": "Holder 1", "resp": "Holder 1" } ], "program": [ "add(150, 75)", "multiply(#0, 5)", "add(150, 50)", "multiply(#2, 4)", "greater(#1, #3)", "constant(Holder 1)" ], "question_tense": "THIRD", "financial_terms": [ "PURCHASE TRANSACTION", "ANNUAL FEE", "CHASE CARD TERMS", "ANNUALIZED FEE" ], "credit_card": "Delta SkyMiles Platinum American Express Card Cardmember Agreement-255454.md" }, { "question": "A traveler in Europe spends €20 per day, and their credit card applies a foreign currency conversion rate of 1.10 USD/EUR. How many days will it take for their total spending to exceed $300 USD?est?", "ground_truth": "14", "output_units": "day", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": 20, "arg_2": 1.1, "resp": 22 }, { "operator": "divide", "arg_1": 300, "arg_2": "#0", "resp": 13.636363636363637 }, { "operator": "ceil", "arg_1": "#1", "resp": 14 } ], "program": [ "multiply(20, 1.1)", "divide(300, #0)", "ceil(#1)" ], "question_tense": "THIRD", "financial_terms": [ "FOREIGN TRANSACTION", "PAYOFF TIME", "CURRENCY CONVERSION", "FOREIGN CURRENCY CONVERSION", "ROUND-UP RULE" ], "credit_card": "Discover Near Prime Cardmember Agreement_061824-255535.md" }, { "question": "A traveler in Europe spends €20 per day, and their credit card applies a foreign currency conversion rate of 1.10 USD/EUR. How many days will it take for their total spending to exceed $500 USD?", "ground_truth": "23", "output_units": "day", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": 20, "arg_2": 1.1, "resp": 22 }, { "operator": "divide", "arg_1": 500, "arg_2": "#0", "resp": 22.7272727273 }, { "operator": "ceil", "arg_1": "#1", "resp": 23 } ], "program": [ "multiply(20, 1.1)", "divide(500, #0)", "ceil(#1)" ], "question_tense": "THIRD", "financial_terms": [ "FOREIGN TRANSACTION", "PAYOFF TIME", "CURRENCY CONVERSION", "FOREIGN CURRENCY CONVERSION", "ROUND-UP RULE" ], "credit_card": "Wells Fargo Autograph Journey Visa® Card Agreement-442574.md" }, { "question": "If I incurred a new $30 returned payment fee on January 1st 2025, on what date will the fee be increased to $41?", "ground_truth": "July 1st 2025", "output_units": "categorical", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "subtract", "arg_1": "41", "arg_2": "30", "resp": 11 }, { "operator": "divide", "arg_1": "#0", "arg_2": "11", "resp": 1.0 }, { "operator": "multiply", "arg_1": "#1", "arg_2": "6", "resp": 6.0 }, { "operator": "equal", "arg_1": "#2", "arg_2": "6", "resp": "TRUE" }, { "operator": "if", "arg_1": "#3", "arg_2": "July 1st 2025", "arg_3": "Unknown Date", "resp": "July 1st 2025" } ], "program": [ "subtract(41, 30)", "divide(#0, 11)", "multiply(#1, 6)", "equal(#2, 6)", "if(#3, July 1st 2025, Unknown Date)" ], "question_tense": "FIRST", "financial_terms": [ "RETURNED PAYMENT FEE", "CONDITIONAL FINANCIAL RULE" ], "credit_card": "CitiStrataPremier.md" }, { "question": "If a cardholder has $1,200 New Balance and $50 in interest, what is their Minimum Payment Due?", "ground_truth": "62.00", "output_units": "$", "input_units": { "from_doc": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": 1200, "arg_2": 0.01, "resp": 12 }, { "operator": "add", "arg_1": 50, "arg_2": "#0", "resp": 62 }, { "operator": "multiply", "arg_1": 1200, "arg_2": 0.02, "resp": 24 }, { "operator": "max", "arg_1": "#1", "arg_2": "#2", "resp": 62 }, { "operator": "max", "arg_1": "#3", "arg_2": 40, "resp": 62 } ], "program": [ "multiply(1200, 0.01)", "add(50, #0)", "multiply(1200, 0.02)", "max(#1, #2)", "max(#3, 40)" ], "question_tense": "THIRD", "financial_terms": [ "MINIMUM PAYMENT", "ACCOUNT BALANCE", "MINIMUM PAYMENT FORMULA", "NEW BALANCE", "MAXIMUM SELECTION", "MINIMUM PAYMENT DUE", "MINIMUM PAYMENT ON NEW BALANCE" ], "credit_card": "Blue Cash Everyday Card Cardmember Agreement-255458.md" }, { "question": "If the cardholder decides to cancel the cardholder's card within 30 days of the billing statement closing date, the cardholder receive a full refund of the $325 annual fee. If the cardholder cancel after exactly 45 days, what is the prorated amount of the annual fee the cardholder effectively paid (assuming a 365-day year)?", "ground_truth": "40.07", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 1, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 1, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 2, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "45", "arg_2": "365", "resp": 0.1232876712328767 }, { "operator": "multiply", "arg_1": "325", "arg_2": "#0", "resp": 40.06849315068493 }, { "operator": "round", "arg_1": "#1", "arg_2": "2", "resp": 40.07 } ], "program": [ "divide(45, 365)", "multiply(325, #0)", "round(#1, 2)" ], "question_tense": "THIRD", "financial_terms": [ "ANNUAL FEE", "PRORATED FEE", "THIRTY-DAY INTEREST", "FEE REFUND", "ACCOUNT CANCELLATION", "ROUNDING RULE", "365-DAY RATE BASIS", "ANNUALIZED FEE" ], "credit_card": "American Express Gold Card Cardmember Agreement-255468.md" }, { "question": "A customer transfers $5,000 to a 0% APR card for 12 months. If they don’t pay anything, what category will their APR fall into when it switches to a 23.99% APR? (Low, Medium, High)?", "ground_truth": "High", "output_units": "categorical", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 2, "month": 1, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 1, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "greater", "arg_1": "23.99", "arg_2": "20", "resp": "TRUE" }, { "operator": "if", "arg_1": "#0", "arg_2": "High", "arg_3": "Medium", "resp": "High" } ], "program": [ "greater(23.99, 20)", "if(#0, High, Medium)" ], "question_tense": "THIRD", "financial_terms": [ "PROMOTIONAL APR", "BALANCE TRANSFER APR", "FINANCIAL CATEGORY CLASSIFICATION", "CONDITIONAL FINANCIAL RULE", "ZERO PERCENT PROMOTIONAL APR" ], "credit_card": "CitiRewardsStudent_combined.md" }, { "question": "If the Prime Rate is 9.00%, will the Bank Cash Advance APR exceed 30%?", "ground_truth": "FALSE", "output_units": "binary", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "add", "arg_1": "9.00", "arg_2": "20.74", "resp": 29.74 }, { "operator": "greater", "arg_1": "#0", "arg_2": "30", "resp": "FALSE" }, { "operator": "if", "arg_1": "#1", "arg_2": "Yes", "arg_3": "No", "resp": "FALSE" } ], "program": [ "add(9.00, 20.74)", "greater(#0, 30)", "if(#1, Yes, No)" ], "question_tense": "THIRD", "financial_terms": [ "PRIME RATE", "CASH ADVANCE APR", "CONDITIONAL FINANCIAL RULE", "BANK CASH ADVANCE" ], "credit_card": "Visa_Mastercard_Platinum_Siganture_World_Infinite_English-290260.md" }, { "question": "A cardholder made a cash advance on an ATM for $40 for 11 days in a row and they know they have the maximal fees as stated in their contract, but they have only paid $50 total in fees so far. How many days of fees are still pending?", "ground_truth": "6", "output_units": "day", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 1, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 1, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "40", "arg_2": "0.05", "resp": 2.0 }, { "operator": "max", "arg_1": "#0", "arg_2": "10", "resp": 10.0 }, { "operator": "multiply", "arg_1": "#1", "arg_2": "11", "resp": 110.0 }, { "operator": "subtract", "arg_1": "#2", "arg_2": "50", "resp": 60.0 }, { "operator": "divide", "arg_1": "#3", "arg_2": "#1", "resp": 6.0 } ], "program": [ "multiply(40, 0.05)", "max(#0, 10)", "multiply(#1, 11)", "subtract(#2, 50)", "divide(#3, #1)" ], "question_tense": "THIRD", "financial_terms": [ "CASH ADVANCE FEE", "PAYOFF TIME", "ATM CASH ADVANCE", "ONE-DAY INTEREST", "MAXIMUM SELECTION" ], "credit_card": "US_Bank_Visa_Signature_and_World_Mastercard_Accounts.md" }, { "question": "If the cardholder makes $1,700 cash equivalent transaction using Visa Mastercard Platinum, and the cardholder's bank charges $30 monthly service fee, how much will the cardholder owe after 6 months if no payments are made? In this hypothetical situation, there is no interest, there is only the cash equivalent fee and the monthly service fee?", "ground_truth": "1965.00", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 1, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 1, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "5", "arg_2": "0.01", "resp": 0.05 }, { "operator": "multiply", "arg_1": "1700", "arg_2": "#0", "resp": 85 }, { "operator": "max", "arg_1": "#1", "arg_2": "15", "resp": 85 }, { "operator": "multiply", "arg_1": "30", "arg_2": "6", "resp": 180 }, { "operator": "add", "arg_1": "1700", "arg_2": "#2", "resp": 1785 }, { "operator": "add", "arg_1": "#4", "arg_2": "#3", "resp": 1965 } ], "program": [ "multiply(5, 0.01)", "multiply(1700, #0)", "max(#1, 15)", "multiply(30, 6)", "add(1700, #2)", "add(#4, #3)" ], "question_tense": "THIRD", "financial_terms": [ "CASH ADVANCE APR", "CASH ADVANCE FEE", "CASH EQUIVALENT TRANSACTION", "MAXIMUM SELECTION", "VISA MASTERCARD TERMS", "NO-PAYMENT SCENARIO" ], "credit_card": "Visa_Mastercard_Platinum_Siganture_World_Infinite_English-290260.md" }, { "question": "If I purchased an item for $120 at a store 95 miles from my home, and I have already contacted the merchant but they refused to resolve the issue, can I file for a refund through my credit card company?", "ground_truth": "TRUE", "output_units": "binary", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "greater", "arg_1": "120", "arg_2": "50", "resp": "TRUE" }, { "operator": "less", "arg_1": "95", "arg_2": "100", "resp": "TRUE" }, { "operator": "and", "arg_1": "#0", "arg_2": "#1", "resp": "TRUE" } ], "program": [ "greater(120, 50)", "less(95, 100)", "and(#0, #1)" ], "question_tense": "FIRST", "financial_terms": [ "PURCHASE TRANSACTION", "RETURNED PAYMENT", "FEE REFUND", "CHASE CARD TERMS" ], "credit_card": "CostcoAnywhereVisa.md" }, { "question": "A cardholder has a New Balance of $18.50. According to the minimum payment rule, will they pay the full balance instead of $35.00?", "ground_truth": "TRUE", "output_units": "binary", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "less", "arg_1": "18.50", "arg_2": "35", "resp": "TRUE" }, { "operator": "if", "arg_1": "#0", "arg_2": "Yes", "arg_3": "No", "resp": "TRUE" } ], "program": [ "less(18.50, 35)", "if(#0, Yes, No)" ], "question_tense": "THIRD", "financial_terms": [ "MINIMUM PAYMENT", "ACCOUNT BALANCE", "MINIMUM PAYMENT FORMULA", "NEW BALANCE", "CONDITIONAL FINANCIAL RULE", "MINIMUM PAYMENT ON NEW BALANCE" ], "credit_card": "Visa_Mastercard_Platinum_Siganture_World_Infinite_English-290260.md" }, { "question": "A credit card has a daily periodic rate of 0.06% and charges $1,200 in interest annually. If a customer has a balance of $10,000, how many days will it take for them to accumulate $20 in interest? Assume the interest rate is applied daily, and interest is calculated based on the balance?", "ground_truth": "33", "output_units": "day", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "0.06", "arg_2": "100", "resp": 0.0006 }, { "operator": "multiply", "arg_1": "#0", "arg_2": "10000", "resp": 6.0 }, { "operator": "divide", "arg_1": "20", "arg_2": "#1", "resp": 3.3333333333333335 }, { "operator": "multiply", "arg_1": "#2", "arg_2": "10", "resp": 33.333333333333336 }, { "operator": "round", "arg_1": "#3", "arg_2": "0", "resp": 33 } ], "program": [ "divide(0.06, 100)", "multiply(#0, 10000)", "divide(20, #1)", "multiply(#2, 10)", "round(#3, 0)" ], "question_tense": "THIRD", "financial_terms": [ "DAILY PERIODIC RATE", "ACCOUNT BALANCE", "PAYOFF TIME", "ROUNDING RULE" ], "credit_card": "Aer Lingus Visa Signature Agreement.pdf-255602.md" }, { "question": "A customer has an annual interest rate of 15.99%, applied monthly, and carries $5,000 balance for 30 days. After the interest is applied, they pay off $30 of the total interest. What percentage of the interest cost remains after the payment, rounded to the nearest percent?", "ground_truth": "55", "output_units": "%", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 1, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 1, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "15.99", "arg_2": "100", "resp": 0.15990000000000001 }, { "operator": "divide", "arg_1": "#0", "arg_2": "12", "resp": 0.013325000000000002 }, { "operator": "multiply", "arg_1": "#1", "arg_2": "5000", "resp": 66.62500000000001 }, { "operator": "subtract", "arg_1": "#2", "arg_2": "30", "resp": 36.625000000000014 }, { "operator": "divide", "arg_1": "#3", "arg_2": "#2", "resp": 0.5497185741088181 }, { "operator": "multiply", "arg_1": "100", "arg_2": "#4", "resp": 54.97185741088181 }, { "operator": "round", "arg_1": "#5", "resp": 55.0 } ], "program": [ "divide(15.99, 100)", "divide(#0, 12)", "multiply(#1, 5000)", "subtract(#2, 30)", "divide(#3, #2)", "multiply(100, #4)", "round(#5)" ], "question_tense": "THIRD", "financial_terms": [ "ACCOUNT BALANCE", "INTEREST ACCRUAL", "PAYOFF TIME", "PERCENTAGE CALCULATION", "THIRTY-DAY INTEREST", "BALANCE PAYOFF", "ROUNDING RULE" ], "credit_card": "Delta SkyMiles Platinum American Express Card Cardmember Agreement-255454.md" }, { "question": "A cardholder has the lowest cash advance ATM fee in his credit card agreement. With $250 cash advance once a week, how many weeks will it take to owe at least 25% of the original cash advance total in fees?", "ground_truth": "7 weeks", "output_units": "categorical", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "0.04", "arg_2": "250", "resp": 10.0 }, { "operator": "max", "arg_1": "5", "arg_2": "#0", "resp": 10.0 }, { "operator": "multiply", "arg_1": "250", "arg_2": "0.25", "resp": 62.5 }, { "operator": "divide", "arg_1": "#2", "arg_2": "#1", "resp": 6.25 }, { "operator": "ceil", "arg_1": "#3" } ], "program": [ "multiply(0.04, 250)", "max(5, #0)", "multiply(250, 0.25)", "divide(#2, #1)", "ceil(#3)" ], "question_tense": "THIRD", "financial_terms": [ "CASH ADVANCE FEE", "ATM CASH ADVANCE", "ROUND-UP RULE", "MAXIMUM SELECTION", "PERCENTAGE-BASED FEE" ], "credit_card": "US_Bank_Visa_Signature_and_World_Mastercard_Accounts.md" }, { "question": "A cardholder's minimum payment is $75, and they only pay $40 before the due date. If their remaining balance is $900, how much will they owe next billing cycle, excluding interest?", "ground_truth": "935.00", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "subtract", "arg_1": "75", "arg_2": "40", "resp": 35.0 }, { "operator": "add", "arg_1": "900", "arg_2": "#0", "resp": 935.0 } ], "program": [ "subtract(75, 40)", "add(900, #0)" ], "question_tense": "THIRD", "financial_terms": [ "MINIMUM PAYMENT", "ACCOUNT BALANCE", "BILLING CYCLE", "PAYMENT DUE DATE", "BILLING-CYCLE INTEREST", "MINIMUM PAYMENT FORMULA", "REMAINING BALANCE", "PAYMENT DUE DATE CALCULATION" ], "credit_card": "CitiRewardsStudent_combined.md" }, { "question": "If I make a transaction of $1000, will I pay $5 or 5% of my transaction in transaction fees?", "ground_truth": "5%", "output_units": "categorical", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "5", "arg_2": "100", "resp": 0.05 }, { "operator": "multiply", "arg_1": "1000", "arg_2": "#0", "resp": 50.0 }, { "operator": "greater", "arg_1": "#1", "arg_2": "5", "resp": "TRUE" }, { "operator": "if", "arg_1": "#2", "arg_2": "5%", "arg_3": "$5", "resp": "5%" } ], "program": [ "divide(5, 100)", "multiply(1000, #0)", "greater(#1, 5)", "if(#2, 5%, $5)" ], "question_tense": "FIRST", "financial_terms": [ "BALANCE TRANSFER FEE", "TRANSACTION FEE CALCULATION", "CONDITIONAL FINANCIAL RULE", "PERCENTAGE-BASED FEE" ], "credit_card": "CitiStrataPremier.md" }, { "question": "A cardholder takes out $950 cash advance with a 29.75% APR and makes no payments for 4 months, will the interest accrued exceed $85?", "ground_truth": "TRUE", "output_units": "binary", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 1, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 1, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": 29.75, "arg_2": 100, "resp": 0.2975 }, { "operator": "divide", "arg_1": "#0", "arg_2": 12, "resp": 0.024791666666666667 }, { "operator": "multiply", "arg_1": 950, "arg_2": "#1", "resp": 23.552083333333336 }, { "operator": "multiply", "arg_1": "#2", "arg_2": 4, "resp": 94.20833333333334 }, { "operator": "greater", "arg_1": "#3", "arg_2": 85, "resp": "TRUE" }, { "operator": "if", "arg_1": "#4", "arg_2": "Yes", "arg_3": "No", "resp": "TRUE" } ], "program": [ "divide(29.75, 100)", "divide(#0, 12)", "multiply(950, #1)", "multiply(#2, 4)", "greater(#3, 85)", "if(#4, Yes, No)" ], "question_tense": "THIRD", "financial_terms": [ "CASH ADVANCE APR", "CONDITIONAL FINANCIAL RULE", "NO-PAYMENT SCENARIO" ], "credit_card": "Wells Fargo Autograph Journey Visa® Card Agreement-442574.md" }, { "question": "The agreement states that the Returned Check Fee is up to $41 but will not exceed $30 if no such fee has been assessed in the previous six billing cycles. If a customer writes a Convenience Check for $200 that is returned due to insufficient funds and this is their first returned check in 12 months, how much will they be charged as a Returned Check Fee?", "ground_truth": "30.00", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "min", "arg_1": "41", "arg_2": "30", "resp": 30 } ], "program": [ "min(41, 30)" ], "question_tense": "THIRD", "financial_terms": [ "CONVENIENCE CHECK", "RETURNED PAYMENT FEE", "BILLING CYCLE", "CHECK CASH ADVANCE", "BILLING-CYCLE INTEREST", "MINIMUM SELECTION" ], "credit_card": "GAPCobrand_combined.md" }, { "question": "A chase credit card limit loan has two payment options to the customer. Option A uses a daily periodic rate of 0.02%. Option B uses a daily periodic rate of 0.018%. For $2000 loan that a customer takes to buy a new TV, is Option B cheaper compared to Option A?", "ground_truth": "TRUE", "output_units": "binary", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "0.02", "arg_2": "100", "resp": 0.0002 }, { "operator": "multiply", "arg_1": "#0", "arg_2": "2000", "resp": 0.4 }, { "operator": "divide", "arg_1": "0.018", "arg_2": "100", "resp": 0.00018 }, { "operator": "multiply", "arg_1": "#2", "arg_2": "2000", "resp": 0.36 }, { "operator": "less", "arg_1": "#3", "arg_2": "#1", "resp": "TRUE" } ], "program": [ "divide(0.02, 100)", "multiply(#0, 2000)", "divide(0.018, 100)", "multiply(#2, 2000)", "less(#3, #1)" ], "question_tense": "THIRD", "financial_terms": [ "DAILY PERIODIC RATE", "CARD OPTION COMPARISON", "LOAN REPAYMENT", "CHASE CARD TERMS" ], "credit_card": "Aer Lingus Visa Signature Agreement.pdf-255602.md" }, { "question": "If my citi flex APR is 25%, am I above the average citi flex APR?", "ground_truth": "FALSE", "output_units": "categorical", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "add", "arg_1": "21.24", "arg_2": "29.24", "resp": 50.48 }, { "operator": "divide", "arg_1": "#0", "arg_2": "2", "resp": 25.24 }, { "operator": "greater", "arg_1": "25", "arg_2": "#1", "resp": "FALSE" }, { "operator": "if", "arg_1": "#2", "arg_2": "Yes", "arg_3": "No", "resp": "FALSE" } ], "program": [ "add(21.24, 29.24)", "divide(#0, 2)", "greater(25, #1)", "if(#2, Yes, No)" ], "question_tense": "FIRST", "financial_terms": [ "CREDIT CARD AGREEMENT TERM", "CITI FLEX APR", "CONDITIONAL FINANCIAL RULE", "CITI CARD TERMS" ], "credit_card": "CitiStrataPremier.md" }, { "question": "A cardholder has a new balance of $100 with no Fixed Payment Program balances. According to the minimum payment calculation in the agreement, would they be required to pay the minimum payment of $40?", "ground_truth": "TRUE", "output_units": "binary", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "100", "arg_2": "0.01", "resp": 1.0 }, { "operator": "max", "arg_1": "40", "arg_2": "#0", "resp": 40.0 }, { "operator": "equal", "arg_1": "#1", "arg_2": "40", "resp": "TRUE" } ], "program": [ "multiply(100, 0.01)", "max(40, #0)", "equal(#1, 40)" ], "question_tense": "THIRD", "financial_terms": [ "MINIMUM PAYMENT", "ACCOUNT BALANCE", "MINIMUM PAYMENT FORMULA", "NEW BALANCE", "MAXIMUM SELECTION", "MINIMUM PAYMENT ON NEW BALANCE" ], "credit_card": "US_Bank_Visa_Signature_and_World_Mastercard_Accounts.md" }, { "question": "If a military service member takes out a loan, what is the max percentage of loan amount they could have to pay in interest and fees over the course of 6 months?", "ground_truth": "19.42", "output_units": "%", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 1, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 1, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "36", "arg_2": "36500", "resp": 0.0009863013698630137 }, { "operator": "add", "arg_1": "1", "arg_2": "#0", "resp": 1.000986301369863 }, { "operator": "multiply", "arg_1": "6", "arg_2": "30", "resp": 180 }, { "operator": "exponent", "arg_1": "#1", "arg_2": "#2", "resp": 1.1941644704926289 }, { "operator": "subtract", "arg_1": "#3", "arg_2": "1", "resp": 0.19416447049262886 }, { "operator": "multiply", "arg_1": "#4", "arg_2": "100", "resp": 19.416447049262885 }, { "operator": "round", "arg_1": "#5", "arg_2": "2", "resp": 19.42 } ], "program": [ "divide(36, 36500)", "add(1, #0)", "multiply(6, 30)", "exponent(#1, #2)", "subtract(#3, 1)", "multiply(#4, 100)", "round(#5, 2)" ], "question_tense": "THIRD", "financial_terms": [ "MILITARY LENDING APR", "LOAN REPAYMENT", "ROUNDING RULE", "365-DAY RATE BASIS", "EXPONENTIAL INTEREST CALCULATION" ], "credit_card": "CostcoAnywhereVisa.md" }, { "question": "If I noticed an error of $72 and the credit card issuer violated the Fair Credit Billing Act, what is the max I will have to pay?", "ground_truth": "22.00", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 1 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 1 } }, "steps": [ { "operator": "equal", "arg_1": "yes", "arg_2": "yes", "resp": "TRUE" }, { "operator": "subtract", "arg_1": "72", "arg_2": "50", "resp": 22 }, { "operator": "if", "arg_1": "#0", "arg_2": "#1", "arg_3": "72", "resp": 22.0 } ], "program": [ "equal(yes, yes)", "subtract(72, 50)", "if(#0, #1, 72)" ], "question_tense": "FIRST", "financial_terms": [ "RETURNED PAYMENT", "BILLING ERROR", "FAIR CREDIT BILLING ACT", "CONDITIONAL FINANCIAL RULE" ], "credit_card": "CostcoAnywhereVisa.md" }, { "question": "If I have a cash advance interest of 2.16% added to my transaction of charging my credit card at a bank, how many days ago did I make the transaction? The bank cash advance APR is 29.24%?", "ground_truth": "27", "output_units": "day", "input_units": { "from_doc": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "29.24", "arg_2": "365", "resp": 0.080109589 }, { "operator": "divide", "arg_1": "2.16", "arg_2": "#0", "resp": 26.963 }, { "operator": "add", "arg_1": "#1", "arg_2": "0.5", "resp": 27.463 }, { "operator": "floor", "arg_1": "#2", "resp": 27.0 } ], "program": [ "divide(29.24, 365)", "divide(2.16, #0)", "add(#1, 0.5)", "floor(#2)" ], "question_tense": "FIRST", "financial_terms": [ "CASH ADVANCE APR", "PAYOFF TIME", "ROUND-DOWN RULE", "365-DAY RATE BASIS", "BANK CASH ADVANCE" ], "credit_card": "Barclaycard_combined.md" }, { "question": "A credit card is considered \"high-fee\"/\"low-fee\" depending on whether or not it exceeds $500 in total annual fees during the lifetime of the account. If my account was opened for 10 years, how many years did the credit stay in the low-fee category?", "ground_truth": "10", "output_units": "year", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 1, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 1, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "10", "arg_2": "0", "resp": 0 }, { "operator": "greater", "arg_1": "#0", "arg_2": "500", "resp": "FALSE" }, { "operator": "if", "arg_1": "#1", "arg_2": "0,10", "resp": 10 } ], "program": [ "multiply(10, 0)", "greater(#0, 500)", "if(#1, 0,10)" ], "question_tense": "FIRST", "financial_terms": [ "ANNUAL FEE", "CONDITIONAL FINANCIAL RULE", "ANNUALIZED FEE" ], "credit_card": "US_Bank_Personal_LOC.md" }, { "question": "A cardholder is deciding between a Zync Card and a Green Card. If they want the same cash advance limit, which card should they choose?", "ground_truth": "Both Cards", "output_units": "categorical", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 2 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 2 } }, "steps": [ { "operator": "equal", "arg_1": "3000", "arg_2": "3000", "resp": "TRUE" }, { "operator": "if", "arg_1": "#0", "arg_2": "Both Cards", "arg_3": "Zync Card", "resp": "Both Cards" } ], "program": [ "equal(3000, 3000)", "if(#0, Both Cards, Zync Card)" ], "question_tense": "THIRD", "financial_terms": [ "CASH ADVANCE", "CREDIT LIMIT", "CARD OPTION COMPARISON", "CASH ADVANCE LIMIT", "CONDITIONAL FINANCIAL RULE" ], "credit_card": "American Express Gold Card Cardmember Agreement-255468.md" }, { "question": "A customer has a new balance total of $1,000 and a new interest rate charge of $20. He doesn't have any late fees. What is the total minimum payment due for this billing cycle?", "ground_truth": "35.00", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "1000", "arg_2": "0.01", "resp": 10.0 }, { "operator": "add", "arg_1": "#0", "arg_2": "20", "resp": 30.0 }, { "operator": "add", "arg_1": "#1", "arg_2": "0", "resp": 30.0 }, { "operator": "max", "arg_1": "#2", "arg_2": "35", "resp": 35.0 } ], "program": [ "multiply(1000, 0.01)", "add(#0, 20)", "add(#1, 0)", "max(#2, 35)" ], "question_tense": "THIRD", "financial_terms": [ "LATE PAYMENT FEE", "MINIMUM PAYMENT", "ACCOUNT BALANCE", "BILLING CYCLE", "MINIMUM FEE RULE", "BILLING-CYCLE INTEREST", "MINIMUM PAYMENT FORMULA", "NEW BALANCE", "MAXIMUM SELECTION", "MINIMUM PAYMENT DUE", "MINIMUM PAYMENT ON NEW BALANCE" ], "credit_card": "Visa_Mastercard_Secured_English-290258.md" }, { "question": "If a credit card's APR increases from 17.25% to 23.75%, by how much did the DPR change?", "ground_truth": "0.0178", "output_units": "%", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "17.25", "arg_2": "100", "resp": 0.1725 }, { "operator": "divide", "arg_1": "23.75", "arg_2": "100", "resp": 0.2375 }, { "operator": "divide", "arg_1": "#0", "arg_2": "365", "resp": 0.0004726027397260274 }, { "operator": "divide", "arg_1": "#1", "arg_2": "365", "resp": 0.0006506849315068493 }, { "operator": "subtract", "arg_1": "#3", "arg_2": "#2", "resp": 0.0001780821917808219 }, { "operator": "multiply", "arg_1": "#4", "arg_2": "100", "resp": 0.01780821917808219 }, { "operator": "round", "arg_1": "#5", "arg_2": "4", "resp": 0.0178 } ], "program": [ "divide(17.25, 100)", "divide(23.75, 100)", "divide(#0, 365)", "divide(#1, 365)", "subtract(#3, #2)", "multiply(#4, 100)", "round(#5, 4)" ], "question_tense": "THIRD", "financial_terms": [ "DAILY PERIODIC RATE", "APR TO DPR CONVERSION", "APR CHANGE", "ROUNDING RULE", "365-DAY RATE BASIS" ], "credit_card": "Wells Fargo Autograph Journey Visa® Card Agreement-442574.md" }, { "question": "If I make $250 purchase, and my checking account has a 200$ balance, will I trigger a cash advance overdraft protection?", "ground_truth": "TRUE", "output_units": "binary", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "add", "arg_1": "0", "arg_2": "250", "resp": 250 }, { "operator": "add", "arg_1": "0", "arg_2": "200", "resp": 200 }, { "operator": "greater", "arg_1": "#0", "arg_2": "#1", "resp": "TRUE" }, { "operator": "if", "arg_1": "#2", "arg_2": "Yes,No", "resp": "TRUE" } ], "program": [ "add(0, 250)", "add(0, 200)", "greater(#0, #1)", "if(#2, Yes,No)" ], "question_tense": "FIRST", "financial_terms": [ "CASH ADVANCE", "PURCHASE TRANSACTION", "CONDITIONAL FINANCIAL RULE", "CHASE CARD TERMS" ], "credit_card": "US_Bank_Personal_LOC.md" }, { "question": "Assume I make $1000 purchase using the Discover Near Prime Card's specified APR, how much interest is accumulated on the first day rounded up to the nearest dollar if we are charged a late fee of $30 after not paying the minimum required payment?", "ground_truth": "1.00", "output_units": "$", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": 28.24, "arg_2": 36500, "resp": 0.0007736986301369863 }, { "operator": "multiply", "arg_1": 1000, "arg_2": "#0", "resp": 0.7736986301369863 }, { "operator": "ceil", "arg_1": "#1", "resp": 1 } ], "program": [ "divide(28.24, 36500)", "multiply(1000, #0)", "ceil(#1)" ], "question_tense": "THIRD", "financial_terms": [ "DAILY PERIODIC RATE", "PURCHASE APR", "LATE PAYMENT FEE", "MINIMUM FEE RULE", "ROUND-UP RULE", "365-DAY RATE BASIS", "DISCOVER CARD TERMS", "CHASE CARD TERMS" ], "credit_card": "Discover Near Prime Cardmember Agreement_061824-255535.md" }, { "question": "A bank applies a penalty APR if the cardholder makes more than three late payments within 12 months. If a user already made three late payments this year, will they trigger the penalty APR on their next late payment?", "ground_truth": "TRUE", "output_units": "binary", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "add", "arg_1": "3", "arg_2": "1", "resp": 4 }, { "operator": "greater", "arg_1": "#0", "arg_2": "3", "resp": "TRUE" } ], "program": [ "add(3, 1)", "greater(#0, 3)" ], "question_tense": "THIRD", "financial_terms": [ "PENALTY APR", "LATE PAYMENT", "TWELVE-MONTH LOOKBACK RULE" ], "credit_card": "Visa_Mastercard_Platinum_Siganture_World_Infinite_English-290260.md" }, { "question": "A cardholder's minimum payment is $90, but their available credit is only $50. If they can only pay using their available credit, will they still owe a remaining balance next cycle?", "ground_truth": "TRUE", "output_units": "binary", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "subtract", "arg_1": "90", "arg_2": "50", "resp": 40 }, { "operator": "greater", "arg_1": "#0", "arg_2": "0", "resp": "TRUE" } ], "program": [ "subtract(90, 50)", "greater(#0, 0)" ], "question_tense": "THIRD", "financial_terms": [ "MINIMUM PAYMENT", "ACCOUNT BALANCE", "MINIMUM PAYMENT FORMULA", "REMAINING BALANCE", "AVAILABLE CREDIT" ], "credit_card": "CitiRewardsStudent_combined.md" }, { "question": "A Visa Mastercard Platinum cardholder takes a Bank Cash Advance of $4,500 at an APR of 29.24% and makes no payments for 6 months. How much interest accrues?", "ground_truth": "699.30", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 1, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 1, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "29.24", "arg_2": "100", "resp": 0.2924 }, { "operator": "divide", "arg_1": "#0", "arg_2": "12", "resp": 0.0243666667 }, { "operator": "add", "arg_1": "1", "arg_2": "#1", "resp": 1.0243666667 }, { "operator": "exponent", "arg_1": "#2", "arg_2": "6", "resp": 1.1554007028 }, { "operator": "subtract", "arg_1": "#3", "arg_2": "1", "resp": 0.1554007028 }, { "operator": "multiply", "arg_1": "4500", "arg_2": "#4", "resp": 699.3031626417 }, { "operator": "round", "arg_1": "#5", "arg_2": "2", "resp": 699.3 } ], "program": [ "divide(29.24, 100)", "divide(#0, 12)", "add(1, #1)", "exponent(#2, 6)", "subtract(#3, 1)", "multiply(4500, #4)", "round(#5, 2)" ], "question_tense": "THIRD", "financial_terms": [ "CASH ADVANCE APR", "INTEREST ACCRUAL", "ROUNDING RULE", "EXPONENTIAL INTEREST CALCULATION", "VISA MASTERCARD TERMS", "BANK CASH ADVANCE", "NO-PAYMENT SCENARIO" ], "credit_card": "Visa_Mastercard_Platinum_Siganture_World_Infinite_English-290260.md" }, { "question": "Sally has a balance of $500 this month and she missed the minimum payment due last month. She only pays $50 for the statement from this month. Will her account be considered past due after she makes this payment?", "ground_truth": "TRUE", "output_units": "binary", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "add", "arg_1": "40", "arg_2": "30", "resp": 70.0 }, { "operator": "greater", "arg_1": "#0", "arg_2": "50", "resp": "TRUE" } ], "program": [ "add(40, 30)", "greater(#0, 50)" ], "question_tense": "THIRD", "financial_terms": [ "LATE PAYMENT", "MINIMUM PAYMENT", "ACCOUNT BALANCE", "MINIMUM PAYMENT FORMULA", "PAST DUE AMOUNT", "MINIMUM PAYMENT DUE", "PAST-DUE BALANCE" ], "credit_card": "GAPCobrand_combined.md" }, { "question": "If a credit card with $80 annual fee is canceled after 8 months, and the bank provides a pro-rated refund, how much will be refunded to the cardholder?", "ground_truth": "26.67", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 1, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 1, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "80", "arg_2": "12", "resp": 6.666666666666667 }, { "operator": "subtract", "arg_1": "12", "arg_2": "8", "resp": 4 }, { "operator": "multiply", "arg_1": "#0", "arg_2": "#1", "resp": 26.666666666666668 }, { "operator": "round", "arg_1": "#2", "arg_2": "2", "resp": 26.67 } ], "program": [ "divide(80, 12)", "subtract(12, 8)", "multiply(#0, #1)", "round(#2, 2)" ], "question_tense": "THIRD", "financial_terms": [ "ANNUAL FEE", "PRORATED FEE", "FEE REFUND", "ACCOUNT CANCELLATION", "ROUNDING RULE", "ANNUALIZED FEE" ], "credit_card": "Blue Cash Everyday Card Cardmember Agreement-255458.md" }, { "question": "If the current APR is 28.24% and I make $3000 purchase with a 25-day grace period before interest accrues, will I owe any interest if I pay the balance on day 29?", "ground_truth": "TRUE", "output_units": "binary", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 1, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 1, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 2, "year": 0, "$": 0, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "greater", "arg_1": 29, "arg_2": 25, "resp": "TRUE" }, { "operator": "if", "arg_1": "#0", "arg_2": "Yes", "arg_3": "No", "resp": "TRUE" } ], "program": [ "greater(29, 25)", "if(#0, Yes, No)" ], "question_tense": "THIRD", "financial_terms": [ "PURCHASE APR", "ACCOUNT BALANCE", "GRACE PERIOD", "INTEREST ACCRUAL", "CONDITIONAL FINANCIAL RULE", "CHASE CARD TERMS" ], "credit_card": "Wells Fargo Autograph Journey Visa® Card Agreement-442574.md" }, { "question": "A cardholder has a pending transaction of $3,600. If they have an auto-decline setting for overlimit transactions, will the transaction be approved?", "ground_truth": "FALSE", "output_units": "binary", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "greater", "arg_1": "3600", "arg_2": "3500", "resp": "TRUE" }, { "operator": "if", "arg_1": "#0", "arg_2": "FALSE", "arg_3": "TRUE", "resp": "FALSE" } ], "program": [ "greater(3600, 3500)", "if(#0, FALSE, TRUE)" ], "question_tense": "THIRD", "financial_terms": [ "OVERLIMIT FEE", "360-DAY RATE BASIS", "CONDITIONAL FINANCIAL RULE" ], "credit_card": "CitiRewardsStudent_combined.md" }, { "question": "If a credit card with $80 annual fee is canceled after 8 months, and the bank provides a pro-rated refund, how much will be refunded to the cardholder?", "ground_truth": "26.67", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 1, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 1, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": 80, "arg_2": 12, "resp": 6.666666666666667 }, { "operator": "subtract", "arg_1": 12, "arg_2": 8, "resp": 4 }, { "operator": "multiply", "arg_1": "#0", "arg_2": "#1", "resp": 26.666666666666668 }, { "operator": "round", "arg_1": "#2", "arg_2": 2, "resp": 26.67 } ], "program": [ "divide(80, 12)", "subtract(12, 8)", "multiply(#0, #1)", "round(#2, 2)" ], "question_tense": "THIRD", "financial_terms": [ "ANNUAL FEE", "PRORATED FEE", "FEE REFUND", "ACCOUNT CANCELLATION", "ROUNDING RULE", "ANNUALIZED FEE" ], "credit_card": "Discover Near Prime Cardmember Agreement_061824-255535.md" }, { "question": "Assume that I have a credit card policy which gives a decreasing increment of refund from the number of days since purchase. For every day post-purchase, I will receive $5 less in refund. If I make $1000 purchase and request a refund 17 days later. What percentage from my original payment have I lost when making the refund 17 days later?", "ground_truth": "8.50", "output_units": "%", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 1, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 1, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": 5, "arg_2": 17, "resp": 85 }, { "operator": "divide", "arg_1": "#0", "arg_2": 1000, "resp": 0.085 }, { "operator": "multiply", "arg_1": "#1", "arg_2": 100, "resp": 8.5 } ], "program": [ "multiply(5, 17)", "divide(#0, 1000)", "multiply(#1, 100)" ], "question_tense": "FIRST", "financial_terms": [ "PURCHASE TRANSACTION", "RETURNED PAYMENT", "PAYMENT DUE DATE", "PERCENTAGE CALCULATION", "DAY COUNT CALCULATION", "FEE REFUND", "CHASE CARD TERMS" ], "credit_card": "Discover Near Prime Cardmember Agreement_061824-255535.md" }, { "question": "If a cardholder’s Direct Deposit APR is 29.74%, will they pay more in interest than another cardholder with an APR of 22.24% for the same balance over one billing cycle?", "ground_truth": "TRUE", "output_units": "binary", "input_units": { "from_doc": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "greater", "arg_1": 29.74, "arg_2": 22.24, "resp": "TRUE" }, { "operator": "if", "arg_1": "#0", "arg_2": "Yes", "arg_3": "No", "resp": "TRUE" } ], "program": [ "greater(29.74, 22.24)", "if(#0, Yes, No)" ], "question_tense": "THIRD", "financial_terms": [ "DIRECT DEPOSIT APR", "ACCOUNT BALANCE", "BILLING CYCLE", "BILLING-CYCLE INTEREST", "CONDITIONAL FINANCIAL RULE" ], "credit_card": "Wells Fargo Autograph Journey Visa® Card Agreement-442574.md" }, { "question": "A credit card issuer sets a new minimum interest charge of 6% or 15$. A customer spends $1,290 their first month and $2,309 the second month. How much will the minimum interest charge of the first month account for in the second month's balance?", "ground_truth": "3.35", "output_units": "%", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "1290", "arg_2": "0.06", "resp": 77.39999999999999 }, { "operator": "max", "arg_1": "#0", "arg_2": "15", "resp": 77.39999999999999 }, { "operator": "divide", "arg_1": "#1", "arg_2": "2309", "resp": 0.033521004763967084 }, { "operator": "multiply", "arg_1": "#2", "arg_2": "100", "resp": 3.3521004763967084 }, { "operator": "round", "arg_1": "#3", "arg_2": "2", "resp": 3.35 } ], "program": [ "multiply(1290, 0.06)", "max(#0, 15)", "divide(#1, 2309)", "multiply(#2, 100)", "round(#3, 2)" ], "question_tense": "THIRD", "financial_terms": [ "PURCHASE APR", "MINIMUM INTEREST CHARGE", "ACCOUNT BALANCE", "INTEREST ACCRUAL", "MINIMUM FEE RULE", "ROUNDING RULE", "MAXIMUM SELECTION" ], "credit_card": "US_Bank_Personal_LOC.md" }, { "question": "Will the customer incur less than $200 in total fees? ($5000 foreign transaction and $2000 ATM cash advance)?", "ground_truth": "FALSE", "output_units": "binary", "input_units": { "from_doc": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "5000", "arg_2": "0.03", "resp": 150.0 }, { "operator": "multiply", "arg_1": "2000", "arg_2": "0.04", "resp": 80.0 }, { "operator": "add", "arg_1": "#0", "arg_2": "#1", "resp": 230.0 }, { "operator": "less", "arg_1": "#2", "arg_2": "200", "resp": "FALSE" } ], "program": [ "multiply(5000, 0.03)", "multiply(2000, 0.04)", "add(#0, #1)", "less(#2, 200)" ], "question_tense": "THIRD", "financial_terms": [ "CASH ADVANCE FEE", "FOREIGN TRANSACTION FEE", "WIRE TRANSFER FEE", "ATM CASH ADVANCE", "TOTAL FEE CALCULATION" ], "credit_card": "Visa_Mastercard_Secured_English-290258.md" }, { "question": "A cardholder has a New Balance + interest of $400 at the end of the month, and they pay the minimum payment as described in the credit card agreement. What percentage of their total balance are they paying? Round up to the nearest whole number of dollars?", "ground_truth": "10.00", "output_units": "%", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": 400, "arg_2": 0.01, "resp": 4 }, { "operator": "max", "arg_1": "#0", "arg_2": 40, "resp": 40 }, { "operator": "divide", "arg_1": "#1", "arg_2": 400, "resp": 0.1 }, { "operator": "multiply", "arg_1": "#2", "arg_2": 100, "resp": 10 } ], "program": [ "multiply(400, 0.01)", "max(#0, 40)", "divide(#1, 400)", "multiply(#2, 100)" ], "question_tense": "THIRD", "financial_terms": [ "MINIMUM PAYMENT", "ACCOUNT BALANCE", "PERCENTAGE CALCULATION", "MINIMUM PAYMENT FORMULA", "NEW BALANCE", "TOTAL BALANCE", "MAXIMUM SELECTION", "MINIMUM PAYMENT ON NEW BALANCE" ], "credit_card": "Blue Cash Everyday Card Cardmember Agreement-255458.md" }, { "question": "A customer makes $2,000 purchase on a 19.74% APR card. If they want to avoid interest, within how many days should they pay off the balance before the grace period ends?", "ground_truth": "25", "output_units": "day", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "365", "arg_2": "12", "resp": 30.416666666666668 }, { "operator": "round", "arg_1": "#0", "resp": 30 }, { "operator": "subtract", "arg_1": "#1", "arg_2": "5", "resp": 25 } ], "program": [ "divide(365, 12)", "round(#0)", "subtract(#1, 5)" ], "question_tense": "THIRD", "financial_terms": [ "PURCHASE APR", "ACCOUNT BALANCE", "GRACE PERIOD", "PAYOFF TIME", "BALANCE PAYOFF", "ROUNDING RULE", "365-DAY RATE BASIS", "CHASE CARD TERMS" ], "credit_card": "CitiRewardsStudent_combined.md" }, { "question": "A credit card issuer has a 2% foreign transaction fee. A customer makes a purchase in Morocco and gets charged in the local currency MAD. At the current exchange rate, 1 DOLLAR = 9.65 MAD. If the customer's purchase was MAD 9,456, how much did they get charged in foreign transaction fees in Dollars?", "ground_truth": "19.60", "output_units": "$", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "9456", "arg_2": "0.02", "resp": 189.12 }, { "operator": "divide", "arg_1": "#0", "arg_2": "9.65", "resp": 19.597927461139896 }, { "operator": "round", "arg_1": "#1", "arg_2": "2", "resp": 19.6 } ], "program": [ "multiply(9456, 0.02)", "divide(#0, 9.65)", "round(#1, 2)" ], "question_tense": "THIRD", "financial_terms": [ "PURCHASE TRANSACTION", "FOREIGN TRANSACTION FEE", "CURRENCY CONVERSION", "EXCHANGE RATE CONVERSION", "TRANSACTION FEE CALCULATION", "ROUNDING RULE", "CHASE CARD TERMS" ], "credit_card": "US_Bank_Personal_LOC.md" }, { "question": "If the prime rate increases 5%, will the purchase APR be as much as the max APR allowed?", "ground_truth": "FALSE", "output_units": "binary", "input_units": { "from_doc": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 3, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "add", "arg_1": "2.5", "arg_2": "20.49", "resp": 22.99 }, { "operator": "min", "arg_1": "#0", "arg_2": "29.99", "resp": 22.99 }, { "operator": "equal", "arg_1": "#1", "arg_2": "29.99", "resp": "FALSE" } ], "program": [ "add(2.5, 20.49)", "min(#0, 29.99)", "equal(#1, 29.99)" ], "question_tense": "THIRD", "financial_terms": [ "PRIME RATE", "VARIABLE APR", "PURCHASE APR", "MINIMUM SELECTION", "CHASE CARD TERMS" ], "credit_card": "CostcoAnywhereVisa.md" }, { "question": "The cardholder's checking account has a balance of $5.00, and the cardholder has an overdraft protection linked to a credit card with a cash advance fee of 5% and an interest rate of 18% per annum. the cardholder write a check for $125.00. How much will the cardholder owe on the cardholder's credit card after the overdraft protection transfer, including the cash advance fee and one day's interest?", "ground_truth": "126.06", "output_units": "$", "input_units": { "from_doc": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "subtract", "arg_1": "125", "arg_2": "5", "resp": 120.0 }, { "operator": "divide", "arg_1": "5", "arg_2": "100", "resp": 0.05 }, { "operator": "multiply", "arg_1": "#0", "arg_2": "#1", "resp": 6.0 }, { "operator": "add", "arg_1": "#0", "arg_2": "#2", "resp": 126.0 }, { "operator": "divide", "arg_1": "18", "arg_2": "100", "resp": 0.18 }, { "operator": "divide", "arg_1": "#4", "arg_2": "365", "resp": 0.0004931506849315068 }, { "operator": "multiply", "arg_1": "#3", "arg_2": "#5", "resp": 0.06213698630136986 }, { "operator": "add", "arg_1": "#3", "arg_2": "#6", "resp": 126.06213698630137 }, { "operator": "round", "arg_1": "#7", "arg_2": "2", "resp": 126.06 } ], "program": [ "subtract(125, 5)", "divide(5, 100)", "multiply(#0, #1)", "add(#0, #2)", "divide(18, 100)", "divide(#4, 365)", "multiply(#3, #5)", "add(#3, #6)", "round(#7, 2)" ], "question_tense": "THIRD", "financial_terms": [ "CASH ADVANCE APR", "CASH ADVANCE FEE", "ACCOUNT BALANCE", "ONE-DAY INTEREST", "ROUNDING RULE", "365-DAY RATE BASIS" ], "credit_card": "Mastercard_Elite_English-290256.md" }, { "question": "A bank applies a penalty APR if the cardholder makes more than two late payments within 12 months. If a user already made two late payments this year, will they trigger the penalty APR on their next late payment?", "ground_truth": "TRUE", "output_units": "binary", "input_units": { "from_doc": { "%": 0, "month": 1, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 1, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "add", "arg_1": "2", "arg_2": "1", "resp": 3 }, { "operator": "greater", "arg_1": "#0", "arg_2": "2", "resp": "TRUE" } ], "program": [ "add(2, 1)", "greater(#0, 2)" ], "question_tense": "THIRD", "financial_terms": [ "PENALTY APR", "LATE PAYMENT FEE", "TWELVE-MONTH LOOKBACK RULE" ], "credit_card": "Blue Cash Everyday Card Cardmember Agreement-255458.md" }, { "question": "A $50 balance on my credit card accrues interest at an APR of 24.99%. If no payment is made for 30 days, and the minimum interest charge is $1.00, how much interest will be charged?", "ground_truth": "1.03", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 1, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 1, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "24.99", "arg_2": "100", "resp": 0.2499 }, { "operator": "divide", "arg_1": "#0", "arg_2": "365", "resp": 0.0006846575342465754 }, { "operator": "multiply", "arg_1": "#1", "arg_2": "30", "resp": 0.020539726027397263 }, { "operator": "multiply", "arg_1": "50", "arg_2": "#2", "resp": 1.026986301369863 }, { "operator": "max", "arg_1": "#3", "arg_2": "1.00", "resp": 1.026986301369863 } ], "program": [ "divide(24.99, 100)", "divide(#0, 365)", "multiply(#1, 30)", "multiply(50, #2)", "max(#3, 1.00)" ], "question_tense": "FIRST", "financial_terms": [ "MINIMUM INTEREST CHARGE", "ACCOUNT BALANCE", "INTEREST ACCRUAL", "MINIMUM FEE RULE", "THIRTY-DAY INTEREST", "365-DAY RATE BASIS", "MAXIMUM SELECTION" ], "credit_card": "US_Bank_Elan_Financial.md" }, { "question": "A cardholder wants to determine if paying the $80 annual fee at once is cheaper than paying a monthly installment that includes a 2% processing fee per installment. If the installment plan charges a monthly fee, will the total cost exceed $80?", "ground_truth": "TRUE", "output_units": "binary", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "80", "arg_2": "12", "resp": 6.666666666666667 }, { "operator": "divide", "arg_1": "2", "arg_2": "100", "resp": 0.02 }, { "operator": "multiply", "arg_1": "#0", "arg_2": "#1", "resp": 0.13333333333333333 }, { "operator": "add", "arg_1": "#0", "arg_2": "#2", "resp": 6.8 }, { "operator": "multiply", "arg_1": "#3", "arg_2": "12", "resp": 81.6 }, { "operator": "greater", "arg_1": "#4", "arg_2": "80", "resp": "TRUE" } ], "program": [ "divide(80, 12)", "divide(2, 100)", "multiply(#0, #1)", "add(#0, #2)", "multiply(#3, 12)", "greater(#4, 80)" ], "question_tense": "THIRD", "financial_terms": [ "ANNUAL FEE", "ANNUALIZED FEE" ], "credit_card": "Blue Cash Everyday Card Cardmember Agreement-255458.md" }, { "question": "A cardholder has a cash advance APR that is higher than their purchase APR. If they use a cash advance instead of making a purchase, will their daily periodic rate be higher?", "ground_truth": "TRUE", "output_units": "binary", "input_units": { "from_doc": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "29.99", "arg_2": "365", "resp": 0.08216438356 }, { "operator": "divide", "arg_1": "19.99", "arg_2": "365", "resp": 0.05476712329 }, { "operator": "greater", "arg_1": "#0", "arg_2": "#1", "resp": "TRUE" } ], "program": [ "divide(29.99, 365)", "divide(19.99, 365)", "greater(#0, #1)" ], "question_tense": "THIRD", "financial_terms": [ "DAILY PERIODIC RATE", "CASH ADVANCE APR", "PURCHASE APR", "365-DAY RATE BASIS", "CHASE CARD TERMS" ], "credit_card": "CitiRewardsStudent_combined.md" }, { "question": "A customer has $5,000 balance on their credit card. The card applies the maximum APR of 29.99%, and the customer makes no payments for 6 months. Assuming interest compounds monthly, what percentage of the original balance will be accrued as interest by the end of the 6-month period?", "ground_truth": 14.995, "output_units": "%", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 1, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 1, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "29.99", "arg_2": "100", "resp": 0.2999 }, { "operator": "divide", "arg_1": "#0", "arg_2": "12", "resp": 0.024991666666666666 }, { "operator": "multiply", "arg_1": "5000", "arg_2": "#1", "resp": 124.95833333333333 }, { "operator": "multiply", "arg_1": "#2", "arg_2": "6", "resp": 749.75 }, { "operator": "divide", "arg_1": "#3", "arg_2": "5000", "resp": 0.14995 }, { "operator": "multiply", "arg_1": "#4", "arg_2": "100", "resp": 14.995 } ], "program": [ "divide(29.99, 100)", "divide(#0, 12)", "multiply(5000, #1)", "multiply(#2, 6)", "divide(#3, 5000)", "multiply(#4, 100)" ], "question_tense": "THIRD", "financial_terms": [ "ACCOUNT BALANCE", "PERCENTAGE CALCULATION", "MAXIMUM APR TEST", "NO-PAYMENT SCENARIO" ], "credit_card": "Aer Lingus Visa Signature Agreement.pdf-255602.md" }, { "question": "Suppose there are two types of same-day online cash advances for Visa Mastercard Platinum: Basic and Premium. For Basic, the cardholder pays max($10, 5% of the transfer amount). For Premium, the cardholder pays max($10, 3% of the transfer amount). A cash advance is Premium if the amount exceeds $1500. Otherwise, it is Basic. How much is the fee for an advance of $2000?", "ground_truth": "60.00", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "greater", "arg_1": "2000", "arg_2": "1500", "resp": "TRUE" }, { "operator": "multiply", "arg_1": "3", "arg_2": "0.01", "resp": 0.03 }, { "operator": "multiply", "arg_1": "2000", "arg_2": "#1", "resp": 60 }, { "operator": "max", "arg_1": "#2", "arg_2": "10", "resp": 60 } ], "program": [ "greater(2000, 1500)", "multiply(3, 0.01)", "multiply(2000, #1)", "max(#2, 10)" ], "question_tense": "THIRD", "financial_terms": [ "CASH ADVANCE FEE", "MAXIMUM SELECTION", "VISA MASTERCARD TERMS", "PERCENTAGE-BASED FEE", "SAME-DAY ONLINE CASH ADVANCE" ], "credit_card": "Visa_Mastercard_Platinum_Siganture_World_Infinite_English-290260.md" }, { "question": "If a cardholder transfers $1,200 at 22% APR and makes no payments for 2 months, will the interest exceed $50?", "ground_truth": "FALSE", "output_units": "binary", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 1, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 1, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "22", "arg_2": "100", "resp": 0.22 }, { "operator": "divide", "arg_1": "#0", "arg_2": "12", "resp": 0.018333333333333333 }, { "operator": "multiply", "arg_1": "#1", "arg_2": "2", "resp": 0.03666666666666667 }, { "operator": "multiply", "arg_1": "1200", "arg_2": "#2", "resp": 44.0 }, { "operator": "greater", "arg_1": "#3", "arg_2": "50", "resp": "FALSE" } ], "program": [ "divide(22, 100)", "divide(#0, 12)", "multiply(#1, 2)", "multiply(1200, #2)", "greater(#3, 50)" ], "question_tense": "THIRD", "financial_terms": [ "BALANCE TRANSFER APR", "INTEREST ACCRUAL", "INTEREST THRESHOLD", "NO-PAYMENT SCENARIO" ], "credit_card": "Blue Cash Everyday Card Cardmember Agreement-255458.md" }, { "question": "If the cardholder needs $500 in cash immediately and decide to use the cardholder's card for a Same-Day Online Cash Advance, which charges a 5% fee and has a cash advance APR of 28.74%, how much will the cardholder owe after one month if the cardholder does not pay the full balance immediately?", "ground_truth": "537.57", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "5", "arg_2": "100", "resp": 0.05 }, { "operator": "multiply", "arg_1": "500", "arg_2": "#0", "resp": 25.0 }, { "operator": "add", "arg_1": "500", "arg_2": "#1", "resp": 525.0 }, { "operator": "divide", "arg_1": "28.74", "arg_2": "100", "resp": 0.2874 }, { "operator": "divide", "arg_1": "#3", "arg_2": "12", "resp": 0.02395 }, { "operator": "multiply", "arg_1": "#2", "arg_2": "#4", "resp": 12.57375 }, { "operator": "add", "arg_1": "#2", "arg_2": "#5", "resp": 537.57375 }, { "operator": "round", "arg_1": "#6", "arg_2": "2", "resp": 537.57 } ], "program": [ "divide(5, 100)", "multiply(500, #0)", "add(500, #1)", "divide(28.74, 100)", "divide(#3, 12)", "multiply(#2, #4)", "add(#2, #5)", "round(#6, 2)" ], "question_tense": "THIRD", "financial_terms": [ "CASH ADVANCE APR", "CASH ADVANCE FEE", "ROUNDING RULE", "PERCENTAGE-BASED FEE", "SAME-DAY ONLINE CASH ADVANCE" ], "credit_card": "Mastercard_Elite_English-290256.md" }, { "question": "A bank implements a ranking system where missing 3 payments in a rolling 6 month period downgrades the cardholder from \"Preferred\" to \"Standard\". If a customer has missed 1 payment in the past 4 months, will their account be downgraded if they miss the next payment?", "ground_truth": "FALSE", "output_units": "binary", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "add", "arg_1": "1", "arg_2": "1", "resp": 2 }, { "operator": "greater_equal", "arg_1": "#0", "arg_2": "3", "resp": "FALSE" }, { "operator": "if", "arg_1": "#1", "arg_2": "Yes,No", "resp": "FALSE" } ], "program": [ "add(1, 1)", "greater_equal(#0, 3)", "if(#1, Yes,No)" ], "question_tense": "THIRD", "financial_terms": [ "LATE PAYMENT FEE", "CONDITIONAL FINANCIAL RULE" ], "credit_card": "US_Bank_Personal_LOC.md" }, { "question": "If I made a purchase worth $2000 using the citi flex plan, and paid that balance over 6 months, how much more interest would I pay if the APR was 29.24% compared to 21.24%?", "ground_truth": "80.00", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 2, "month": 1, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 1, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "29.24", "arg_2": "100", "resp": 0.2924 }, { "operator": "divide", "arg_1": "6", "arg_2": "12", "resp": 0.5 }, { "operator": "multiply", "arg_1": "#0", "arg_2": "#1", "resp": 0.1462 }, { "operator": "multiply", "arg_1": "2000", "arg_2": "#2", "resp": 292.4 }, { "operator": "divide", "arg_1": "21.24", "arg_2": "100", "resp": 0.2124 }, { "operator": "multiply", "arg_1": "#4", "arg_2": "#1", "resp": 0.1062 }, { "operator": "multiply", "arg_1": "2000", "arg_2": "#5", "resp": 212.4 }, { "operator": "subtract", "arg_1": "#3", "arg_2": "#6", "resp": 80.0 }, { "operator": "round", "arg_1": "#7", "arg_2": "2", "resp": 80.0 } ], "program": [ "divide(29.24, 100)", "divide(6, 12)", "multiply(#0, #1)", "multiply(2000, #2)", "divide(21.24, 100)", "multiply(#4, #1)", "multiply(2000, #5)", "subtract(#3, #6)", "round(#7, 2)" ], "question_tense": "FIRST", "financial_terms": [ "PURCHASE APR", "ACCOUNT BALANCE", "CITI FLEX APR", "ROUNDING RULE", "CHASE CARD TERMS", "CITI CARD TERMS" ], "credit_card": "CitiStrataPremier.md" }, { "question": "A cardholder takes an ATM cash advance of $600 with a 6% fee. If the cardholder saves $12.5 per day, how many days will it take to pay off the fee?", "ground_truth": "3", "output_units": "day", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": 6, "arg_2": 100, "resp": 0.06 }, { "operator": "multiply", "arg_1": 600, "arg_2": "#0", "resp": 36 }, { "operator": "divide", "arg_1": "#1", "arg_2": 12.5, "resp": 2.88 }, { "operator": "ceil", "arg_1": "#2", "arg_2": 0, "resp": 3 } ], "program": [ "divide(6, 100)", "multiply(600, #0)", "divide(#1, 12.5)", "ceil(#2, 0)" ], "question_tense": "THIRD", "financial_terms": [ "CASH ADVANCE FEE", "PAYOFF TIME", "ATM CASH ADVANCE", "BALANCE PAYOFF", "ROUND-UP RULE" ], "credit_card": "Wells Fargo Autograph Journey Visa® Card Agreement-442574.md" }, { "question": "If I am carrying over an unpaid balance of $66 from last billing cycle (after applying the late fee), and I used $200 worth of credit this month, what will my new minimum payment be?", "ground_truth": "107.00", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "min", "arg_1": "200", "arg_2": "41", "resp": 41 }, { "operator": "add", "arg_1": "66", "arg_2": "#0", "resp": 107 } ], "program": [ "min(200, 41)", "add(66, #0)" ], "question_tense": "FIRST", "financial_terms": [ "LATE PAYMENT FEE", "MINIMUM PAYMENT", "ACCOUNT BALANCE", "BILLING CYCLE", "MINIMUM FEE RULE", "BILLING-CYCLE INTEREST", "MINIMUM PAYMENT FORMULA", "MINIMUM SELECTION" ], "credit_card": "CostcoAnywhereVisa.md" }, { "question": "If I have an oustanding billing statement of 20 USD for less than 10 months and a oustanding billing of 10 USD statement of 30 months, then the 30 months billing statement plus administrative fees will be less than right the 10 months with fees right?", "ground_truth": "FALSE", "output_units": "binary", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 2, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 2, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "10", "arg_2": "5", "resp": 50.0 }, { "operator": "add", "arg_1": "20", "arg_2": "#0", "resp": 70.0 }, { "operator": "multiply", "arg_1": "30", "arg_2": "5", "resp": 150.0 }, { "operator": "add", "arg_1": "10", "arg_2": "#2", "resp": 160.0 }, { "operator": "less", "arg_1": "#3", "arg_2": "#1", "resp": "FALSE" } ], "program": [ "multiply(10, 5)", "add(20, #0)", "multiply(30, 5)", "add(10, #2)", "less(#3, #1)" ], "question_tense": "FIRST", "financial_terms": [ "ADMINISTRATIVE FEE" ], "credit_card": "Barclaycard_combined.md" }, { "question": "How many days will it take to accrue exactly 10$ in interest if the cardholder takes out $600 cash advance?", "ground_truth": "40", "output_units": "day", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "1", "arg_2": "365", "resp": 0.0027397260273972603 }, { "operator": "multiply", "arg_1": "600", "arg_2": "0.155", "resp": 93 }, { "operator": "multiply", "arg_1": "#0", "arg_2": "#1", "resp": 0.2547945205479452 }, { "operator": "divide", "arg_1": "10", "arg_2": "#2", "resp": 39.247311827956985 }, { "operator": "ceil", "arg_1": "#3", "arg_2": "1", "resp": 40 } ], "program": [ "divide(1, 365)", "multiply(600, 0.155)", "multiply(#0, #1)", "divide(10, #2)", "ceil(#3, 1)" ], "question_tense": "THIRD", "financial_terms": [ "CASH ADVANCE APR", "PAYOFF TIME", "ROUND-UP RULE", "365-DAY RATE BASIS" ], "credit_card": "US_Bank_Personal_LOC.md" }, { "question": "A customer is charged $50 in interest at the end of a 30-day billing cycle with an average balance of $800. Due to certain policies, the customer also accrues an additional 5% monthly fee based on the average daily balance. What is the Daily Periodic Rate (DPR) as a percentage?", "ground_truth": "0.375", "output_units": "%", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 1, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 1, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "800", "arg_2": "0.05", "resp": 40.0 }, { "operator": "add", "arg_1": "#0", "arg_2": "50", "resp": 90.0 }, { "operator": "multiply", "arg_1": "800", "arg_2": "30", "resp": 24000.0 }, { "operator": "divide", "arg_1": "#1", "arg_2": "#2", "resp": 0.00375 }, { "operator": "multiply", "arg_1": "#3", "arg_2": "100", "resp": 0.375 } ], "program": [ "multiply(800, 0.05)", "add(#0, 50)", "multiply(800, 30)", "divide(#1, #2)", "multiply(#3, 100)" ], "question_tense": "THIRD", "financial_terms": [ "DAILY PERIODIC RATE", "AVERAGE DAILY BALANCE", "BILLING CYCLE", "PERCENTAGE CALCULATION", "BILLING-CYCLE INTEREST", "DAILY BALANCE" ], "credit_card": "Aer Lingus Visa Signature Agreement.pdf-255602.md" }, { "question": "If I owe $10,000 dollars as the principal balance how much will I up paying in minimum payments? (Assume that the principal balance ends up being the greatest)?", "ground_truth": "100.00", "output_units": "$", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "10000", "arg_2": "0.01", "resp": 100.0 }, { "operator": "less", "arg_1": "#0", "arg_2": "30", "resp": "FALSE" }, { "operator": "if", "arg_1": "#1", "arg_2": "30", "arg_3": "#0", "resp": 100.0 } ], "program": [ "multiply(10000, 0.01)", "less(#0, 30)", "if(#1, 30, #0)" ], "question_tense": "FIRST", "financial_terms": [ "MINIMUM PAYMENT", "ACCOUNT BALANCE", "MINIMUM PAYMENT FORMULA", "PRINCIPAL REDUCTION", "CONDITIONAL FINANCIAL RULE" ], "credit_card": "Barclaycard_combined.md" }, { "question": "I went on a trip to Paris and spent 320 euros on a hotel, 100 euros on taxis, 171 euros on entrances to museums and other places. I made this 6 different transactions, 320 euros for the hotel, 30 for taxi 1, 60 for taxi 2, 10 for taxi 3, 152 for place 1, and 19 for place 2. How much higher would the sum of all of these payments in USD with the foreign transaction fee added be compared to the total cost in euros. 1.8% is the foreign transaction fee and also 1 euro = 1.09 USD. Answer in a percentage?", "ground_truth": "1.8", "output_units": "%", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 6 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 6 } }, "steps": [ { "operator": "add", "arg_1": "320", "arg_2": "30", "resp": 350.0 }, { "operator": "add", "arg_1": "#0", "arg_2": "60", "resp": 410.0 }, { "operator": "add", "arg_1": "#1", "arg_2": "10", "resp": 420.0 }, { "operator": "add", "arg_1": "#2", "arg_2": "152", "resp": 572.0 }, { "operator": "add", "arg_1": "#3", "arg_2": "19", "resp": 591.0 }, { "operator": "multiply", "arg_1": "#4", "arg_2": "1.09", "resp": 644.19 }, { "operator": "multiply", "arg_1": "#5", "arg_2": "1.018", "resp": 655.78542 }, { "operator": "subtract", "arg_1": "#6", "arg_2": "#5", "resp": 11.59542 }, { "operator": "divide", "arg_1": "#7", "arg_2": "#5", "resp": 0.018 }, { "operator": "multiply", "arg_1": "#8", "arg_2": "100", "resp": 1.8 } ], "program": [ "add(320, 30)", "add(#0, 60)", "add(#1, 10)", "add(#2, 152)", "add(#3, 19)", "multiply(#4, 1.09)", "multiply(#5, 1.018)", "subtract(#6, #5)", "divide(#7, #5)", "multiply(#8, 100)" ], "question_tense": "FIRST", "financial_terms": [ "FOREIGN TRANSACTION FEE", "TRANSACTION FEE CALCULATION" ], "credit_card": "Barclaycard_combined.md" }, { "question": "Imagine there is some large fee as the combined sum for attorneys' fees, costs and expert and other witness fees. After the arbitrator rules in the cardholder's favor, the cardholder is entitled to $4000. This is 15% of the total money earned was used to pay for costs. The remainder goes to the card holder. How much will the card holder get to keep? Assume theres a minimum entitlement of $5000?", "ground_truth": "4250.00", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "max", "arg_1": "4000", "arg_2": "5000", "resp": 5000.0 }, { "operator": "subtract", "arg_1": "1", "arg_2": "0.15", "resp": 0.85 }, { "operator": "multiply", "arg_1": "#0", "arg_2": "#1", "resp": 4250.0 } ], "program": [ "max(4000, 5000)", "subtract(1, 0.15)", "multiply(#0, #1)" ], "question_tense": "THIRD", "financial_terms": [ "ARBITRATION AWARD", "MINIMUM FEE RULE", "ARBITRATION PAYMENT", "MAXIMUM SELECTION", "PERCENTAGE-BASED FEE" ], "credit_card": "Delta SkyMiles Platinum American Express Card Cardmember Agreement-255454.md" }, { "question": "A customer takes $1,000 cash advance with an APR of 29.24%, meaning interest accrues daily at a DPR of 0.0008011. If no payments are made, how many days will it take for the total accrued interest to equal the original cash advance amount?", "ground_truth": "1248.28", "output_units": "day", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "1000", "arg_2": "0.0008011", "resp": 0.8011 }, { "operator": "divide", "arg_1": "1000", "arg_2": "#0", "resp": 1248.2836100362001 } ], "program": [ "multiply(1000, 0.0008011)", "divide(1000, #0)" ], "question_tense": "THIRD", "financial_terms": [ "DAILY PERIODIC RATE", "APR TO DPR CONVERSION", "CASH ADVANCE APR", "INTEREST ACCRUAL", "PAYOFF TIME", "NO-PAYMENT SCENARIO" ], "credit_card": "US_Bank_Elan_Financial.md" }, { "question": "If the minimum fee for an Overdraft Protection Cash Advance is $10, and the calculated fee for $120 is $6, how much will the cardholder pays on a Visa Mastercard Platinum card with a 5% fee?", "ground_truth": "10.00", "output_units": "$", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "5", "arg_2": "0.01", "resp": 0.05 }, { "operator": "multiply", "arg_1": "120", "arg_2": "#0", "resp": 6 }, { "operator": "max", "arg_1": "#1", "arg_2": "10", "resp": 10 } ], "program": [ "multiply(5, 0.01)", "multiply(120, #0)", "max(#1, 10)" ], "question_tense": "THIRD", "financial_terms": [ "CASH ADVANCE FEE", "MINIMUM FEE RULE", "MINIMUM FEE FLOOR", "MAXIMUM SELECTION", "VISA MASTERCARD TERMS", "PERCENTAGE-BASED FEE" ], "credit_card": "Visa_Mastercard_Platinum_Siganture_World_Infinite_English-290260.md" }, { "question": "If a cardholder transfers $2,000 per month for 4 months, how much will they pay in total balance transfer fees?", "ground_truth": "240.00", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 1, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 1, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "3", "arg_2": "0.01", "resp": 0.03 }, { "operator": "multiply", "arg_1": "2000", "arg_2": "#0", "resp": 60 }, { "operator": "max", "arg_1": "5", "arg_2": "#1", "resp": 60 }, { "operator": "multiply", "arg_1": "#2", "arg_2": "4", "resp": 240 } ], "program": [ "multiply(3, 0.01)", "multiply(2000, #0)", "max(5, #1)", "multiply(#2, 4)" ], "question_tense": "THIRD", "financial_terms": [ "BALANCE TRANSFER FEE", "ACCOUNT BALANCE", "MONTHLY PAYMENT", "TOTAL BALANCE", "MAXIMUM SELECTION", "CUMULATIVE FEE TOTAL", "MONTHLY FEE" ], "credit_card": "Blue Cash Everyday Card Cardmember Agreement-255458.md" }, { "question": "A cardholder makes a cash advance on an ATM of $30 for multiple days in a row. They have a cash advance atm fee of either $10 or 5% of their advance (whichever is greater). How many days have passed if they have paid $150 in fees?", "ground_truth": "15", "output_units": "day", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "30", "arg_2": "0.05", "resp": 1.5 }, { "operator": "max", "arg_1": "#0", "arg_2": "10", "resp": 10.0 }, { "operator": "divide", "arg_1": "150", "arg_2": "#1", "resp": 15.0 } ], "program": [ "multiply(30, 0.05)", "max(#0, 10)", "divide(150, #1)" ], "question_tense": "THIRD", "financial_terms": [ "CASH ADVANCE FEE", "PAYOFF TIME", "ATM CASH ADVANCE", "MAXIMUM SELECTION", "PERCENTAGE-BASED FEE" ], "credit_card": "US_Bank_Visa_Signature_and_World_Mastercard_Accounts.md" }, { "question": "Suppose there are two types of cash advances: Normal and Premium. For normal advances, they pay max($5, 4% of transfer amount) in cash advance fees. For premium advances, they pay max($5, 2% of transfer amount). A cash advance is considered premium if and only if the transfer amount is more than $1000. Otherwise, it is a normal cash advance. How much will I pay in fees if I take an advance of $1200?", "ground_truth": "24.00", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "greater", "arg_1": "1200", "arg_2": "1000", "resp": "TRUE" }, { "operator": "multiply", "arg_1": "2", "arg_2": "0.01", "resp": 0.02 }, { "operator": "multiply", "arg_1": "1200", "arg_2": "#1", "resp": 24 }, { "operator": "max", "arg_1": "#2", "arg_2": "5", "resp": 24 } ], "program": [ "greater(1200, 1000)", "multiply(2, 0.01)", "multiply(1200, #1)", "max(#2, 5)" ], "question_tense": "THIRD", "financial_terms": [ "CASH ADVANCE FEE", "MAXIMUM SELECTION", "PERCENTAGE-BASED FEE" ], "credit_card": "Visa_Mastercard_Platinum_Siganture_World_Infinite_English-290260.md" }, { "question": "A traveler spends $3,000 in Mexico. Their credit card normally charges 3% for foreign transactions, but the fee is waived if they spend over $5,000 in a billing cycle. If they make no further purchases, will they pay the fee?", "ground_truth": "TRUE", "output_units": "binary", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "less", "arg_1": "3000", "arg_2": "5000", "resp": "TRUE" } ], "program": [ "less(3000, 5000)" ], "question_tense": "THIRD", "financial_terms": [ "PURCHASE TRANSACTION", "FOREIGN TRANSACTION FEE", "BILLING CYCLE", "FEE WAIVER", "BILLING-CYCLE INTEREST", "CHASE CARD TERMS" ], "credit_card": "CitiRewardsStudent_combined.md" }, { "question": "A cardholder with an APR of 24.99% incurs a penalty APR after missing two consecutive payments. Their APR increases to 29.99%. If their unpaid balance is $3,500, will their interest charges increase?", "ground_truth": "TRUE", "output_units": "binary", "input_units": { "from_doc": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "subtract", "arg_1": "29.99", "arg_2": "24.99", "resp": 5.0 }, { "operator": "greater", "arg_1": "#0", "arg_2": "0", "resp": "TRUE" } ], "program": [ "subtract(29.99, 24.99)", "greater(#0, 0)" ], "question_tense": "THIRD", "financial_terms": [ "PENALTY APR", "LATE PAYMENT FEE", "ACCOUNT BALANCE", "INTEREST ACCRUAL", "APR CHANGE", "RECURRING PAYMENT VIOLATION" ], "credit_card": "CitiRewardsStudent_combined.md" }, { "question": "If the DPR is 0.06% and the cardholder has a balance of $5000, how many days will it take for the total interest to hit $10? Round the answer up to the next whole number of days?", "ground_truth": "4", "output_units": "day", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "0.06", "arg_2": "100", "resp": 0.0006 }, { "operator": "multiply", "arg_1": "5000", "arg_2": "#0", "resp": 3 }, { "operator": "divide", "arg_1": "10", "arg_2": "#1", "resp": 3.3333333333333335 }, { "operator": "ceil", "arg_1": "#2", "resp": 4 } ], "program": [ "divide(0.06, 100)", "multiply(5000, #0)", "divide(10, #1)", "ceil(#2)" ], "question_tense": "THIRD", "financial_terms": [ "DAILY PERIODIC RATE", "ACCOUNT BALANCE", "INTEREST ACCRUAL", "PAYOFF TIME", "ROUND-UP RULE" ], "credit_card": "Wells Fargo Autograph Journey Visa® Card Agreement-442574.md" }, { "question": "If a cardholder's balance accrues $0.60 in interest, what will they be charged - only the calculated interest, or the minimum interest charge?", "ground_truth": "0.60", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "greater", "arg_1": "0.60", "arg_2": "0.50", "resp": "TRUE" }, { "operator": "if", "arg_1": "#0", "arg_2": "0.60", "arg_3": "0.50", "resp": 0.6 } ], "program": [ "greater(0.60, 0.50)", "if(#0, 0.60, 0.50)" ], "question_tense": "THIRD", "financial_terms": [ "MINIMUM INTEREST CHARGE", "ACCOUNT BALANCE", "INTEREST ACCRUAL", "MINIMUM FEE RULE", "CONDITIONAL FINANCIAL RULE" ], "credit_card": "CitiRewardsStudent_combined.md" }, { "question": "I have a credit limit of 1000 dollars per month. This month I went over by 150 dollars and got a returned payment fee. Next month i went over by 100 dollars and this time the returned payment fee was double last months. How much money would I have saved if I did not go over my credit limit and stayed at exactly compared to the 2 months I went over and had to pay returned payments? Answer as a percentage?", "ground_truth": "4.5", "output_units": "%", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "15", "arg_2": "2", "resp": 30.0 }, { "operator": "add", "arg_1": "15", "arg_2": "#0", "resp": 45.0 }, { "operator": "divide", "arg_1": "#1", "arg_2": "1000", "resp": 0.045 }, { "operator": "multiply", "arg_1": "#2", "arg_2": "100", "resp": 4.5 } ], "program": [ "multiply(15, 2)", "add(15, #0)", "divide(#1, 1000)", "multiply(#2, 100)" ], "question_tense": "FIRST", "financial_terms": [ "RETURNED PAYMENT FEE", "CREDIT LIMIT", "PERCENTAGE CALCULATION", "MONTHLY PAYMENT", "MONTHLY FEE" ], "credit_card": "Barclaycard_combined.md" }, { "question": "The cardholder purchased a laptop for $1,200 using the cardholder's Bank of America World Elite Mastercard credit card. The laptop was advertised to have a 16 GB RAM, but upon delivery, the cardholder found it only has 8 GB. the cardholder've tried to resolve the issue with the merchant, but they refuse to replace or refund the laptop. If the cardholder decides to withhold payment, did the cardholder meet the minimum amount the cardholder must have paid for the laptop to qualify for this right?", "ground_truth": "TRUE", "output_units": "binary", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "constant", "arg_1": "TRUE", "resp": "TRUE" } ], "program": [ "constant(TRUE)" ], "question_tense": "THIRD", "financial_terms": [ "PURCHASE TRANSACTION", "MINIMUM PAYMENT", "FEE REFUND", "CHASE CARD TERMS", "BANK OF AMERICA CARD TERMS" ], "credit_card": "Mastercard_Elite_English-290256.md" }, { "question": "A customer makes two foreign purchases: one for £400 and another for ¥50,000. The currency conversion rates at the time of processing are 1.25 USD/GBP and 0.009 USD/JPY, respectively. If the total Foreign Transaction Fees charged amount to $25.50, what percentage of the combined transaction amount in U.S. dollars does this fee represent?", "ground_truth": "2.68", "output_units": "%", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "400", "arg_2": "1.25", "resp": 500.0 }, { "operator": "multiply", "arg_1": "50000", "arg_2": "0.009", "resp": 450.0 }, { "operator": "add", "arg_1": "#0", "arg_2": "#1", "resp": 950.0 }, { "operator": "divide", "arg_1": "25.50", "arg_2": "#2", "resp": 0.026842105263157896 }, { "operator": "multiply", "arg_1": "#3", "arg_2": "100", "resp": 2.6842105263157894 }, { "operator": "round", "arg_1": "#4", "arg_2": "2", "resp": 2.68 } ], "program": [ "multiply(400, 1.25)", "multiply(50000, 0.009)", "add(#0, #1)", "divide(25.50, #2)", "multiply(#3, 100)", "round(#4, 2)" ], "question_tense": "THIRD", "financial_terms": [ "PURCHASE TRANSACTION", "FOREIGN TRANSACTION FEE", "CURRENCY CONVERSION", "PERCENTAGE CALCULATION", "TRANSACTION FEE CALCULATION", "ROUNDING RULE", "CHASE CARD TERMS" ], "credit_card": "GAPCobrand_combined.md" }, { "question": "A customer wants to file an arbitration claim for $12,000, which must be handled in person since it exceeds the $10,000 threshold. However, the agreement states that arbitration claims must be filed within 180 days of the incident. Since the customer is filing 200 days after the incident, is their claim still eligible?", "ground_truth": "FALSE", "output_units": "binary", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 1, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 1, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 2, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "greater", "arg_1": "12000", "arg_2": "10000", "resp": "TRUE" }, { "operator": "greater", "arg_1": "200", "arg_2": "180", "resp": "TRUE" }, { "operator": "if", "arg_1": "#1", "arg_2": "False", "arg_3": "True", "resp": "FALSE" } ], "program": [ "greater(12000, 10000)", "greater(200, 180)", "if(#1, False, True)" ], "question_tense": "THIRD", "financial_terms": [ "ARBITRATION AWARD", "CONDITIONAL FINANCIAL RULE" ], "credit_card": "US_Bank_Elan_Financial.md" }, { "question": "The cardholder uses a check to cash advance $500 from the cardholder's Bank of America World Elite Mastercard credit card, which charges a Check Cash Advance fee of 5% of the transaction. If the cardholder does not pay the full balance immediately, what percentage of the total amount owed after one month will be the fee?", "ground_truth": "4.76", "output_units": "%", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "5", "arg_2": "100", "resp": 0.05 }, { "operator": "multiply", "arg_1": "500", "arg_2": "#0", "resp": 25.0 }, { "operator": "add", "arg_1": "500", "arg_2": "#1", "resp": 525.0 }, { "operator": "divide", "arg_1": "#1", "arg_2": "#2", "resp": 0.047619047619047616 }, { "operator": "multiply", "arg_1": "#3", "arg_2": "100", "resp": 4.761904761904762 }, { "operator": "round", "arg_1": "#4", "arg_2": "2", "resp": 4.76 } ], "program": [ "divide(5, 100)", "multiply(500, #0)", "add(500, #1)", "divide(#1, #2)", "multiply(#3, 100)", "round(#4, 2)" ], "question_tense": "THIRD", "financial_terms": [ "CASH ADVANCE FEE", "CONVENIENCE CHECK", "PERCENTAGE CALCULATION", "ROUNDING RULE", "BANK OF AMERICA CARD TERMS", "PERCENTAGE-BASED FEE" ], "credit_card": "Mastercard_Elite_English-290256.md" }, { "question": "A customer takes $700 cash advance from their credit card. The Daily Periodic Rate (DPR) is 0.0008011, meaning interest accrues daily. If the customer does not make any payments, how many days will it take for the total accrued interest to reach $15?", "ground_truth": "26.7", "output_units": "day", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "700", "arg_2": "0.0008011", "resp": 0.56077 }, { "operator": "divide", "arg_1": "15", "arg_2": "#0", "resp": 26.748934500775718 }, { "operator": "round", "arg_1": "#1", "arg_2": "1", "resp": 26.7 } ], "program": [ "multiply(700, 0.0008011)", "divide(15, #0)", "round(#1, 1)" ], "question_tense": "THIRD", "financial_terms": [ "DAILY PERIODIC RATE", "CASH ADVANCE APR", "INTEREST ACCRUAL", "PAYOFF TIME", "ROUNDING RULE" ], "credit_card": "US_Bank_Elan_Financial.md" }, { "question": "I accidentally overdraft my checking account by $300, but my bank has overdraft protection linked to my credit card, meaning a cash advance will automatically cover my negative balance. The Cash Advance Overdraft Protection Fee is $0, but my credit card has an APR of 24%, and interest begins accruing immediately on the overdrafted amount. If I repay the overdraft in 20 days, how much total interest will I owe?", "ground_truth": "3.95", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 1, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 1, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "24", "arg_2": "100", "resp": 0.24 }, { "operator": "divide", "arg_1": "#0", "arg_2": "365", "resp": 0.0006575342465753425 }, { "operator": "multiply", "arg_1": "#1", "arg_2": "20", "resp": 0.01315068493150685 }, { "operator": "multiply", "arg_1": "300", "arg_2": "#2", "resp": 3.945205479452055 }, { "operator": "round", "arg_1": "#3", "arg_2": "2", "resp": 3.95 } ], "program": [ "divide(24, 100)", "divide(#0, 365)", "multiply(#1, 20)", "multiply(300, #2)", "round(#3, 2)" ], "question_tense": "FIRST", "financial_terms": [ "DAILY PERIODIC RATE", "CASH ADVANCE APR", "CASH ADVANCE FEE", "ACCOUNT BALANCE", "INTEREST ACCRUAL", "ROUNDING RULE", "365-DAY RATE BASIS" ], "credit_card": "US_Bank_Elan_Financial.md" }, { "question": "The billing period ends in 25 days. I have the minimum citi flex APR possible, and have 5 scheduled payments to make. How much interest will I be charged if I have a balance of $200?", "ground_truth": "11.16", "output_units": "$", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 1, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 1, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "21.24", "arg_2": "100", "resp": 0.21239999999999998 }, { "operator": "divide", "arg_1": "#0", "arg_2": "365", "resp": 0.000581917808219178 }, { "operator": "multiply", "arg_1": "200", "arg_2": "#1", "resp": 0.1163835616438356 }, { "operator": "multiply", "arg_1": "#2", "arg_2": "25", "resp": 2.9095890410958902 }, { "operator": "multiply", "arg_1": "#3", "arg_2": "5", "resp": 14.54794520547945 }, { "operator": "multiply", "arg_1": "#4", "arg_2": "0.767", "resp": 11.15827397260274 }, { "operator": "round", "arg_1": "#5", "arg_2": "2", "resp": 11.16 } ], "program": [ "divide(21.24, 100)", "divide(#0, 365)", "multiply(200, #1)", "multiply(#2, 25)", "multiply(#3, 5)", "multiply(#4, 0.767)", "round(#5, 2)" ], "question_tense": "THIRD", "financial_terms": [ "ACCOUNT BALANCE", "MINIMUM FEE RULE", "CITI FLEX APR", "ROUNDING RULE", "365-DAY RATE BASIS", "CITI CARD TERMS" ], "credit_card": "CitiStrataPremier.md" }, { "question": "If Citi covers 80% of arbitration costs for claims below the stated limit and 50% for those above the limit, how many dollars of $60,000 claim would they help cover?", "ground_truth": "48000.00", "output_units": "$", "input_units": { "from_doc": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "less", "arg_1": "60000", "arg_2": "75000", "resp": "TRUE" }, { "operator": "if", "arg_1": "#0", "arg_2": "80", "arg_3": "50", "resp": 80 }, { "operator": "divide", "arg_1": "#1", "arg_2": "100", "resp": 0.8 }, { "operator": "multiply", "arg_1": "60000", "arg_2": "#2", "resp": 48000.0 } ], "program": [ "less(60000, 75000)", "if(#0, 80, 50)", "divide(#1, 100)", "multiply(60000, #2)" ], "question_tense": "THIRD", "financial_terms": [ "ARBITRATION AWARD", "CONDITIONAL FINANCIAL RULE", "CITI CARD TERMS", "PERCENTAGE-BASED FEE" ], "credit_card": "CostcoAnywhereVisa.md" }, { "question": "If the cash advance APR is 22.5%, will the interest on a cash advance of $1600 that has been accruing interest for 6 months be over $150?", "ground_truth": "TRUE", "output_units": "binary", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 1, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 1, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "exponent", "arg_1": "22.5", "arg_2": "6", "resp": 129746337.890625 }, { "operator": "multiply", "arg_1": "1600", "arg_2": "#0", "resp": 207594140625.0 }, { "operator": "greater", "arg_1": "#1", "arg_2": "150", "resp": "TRUE" } ], "program": [ "exponent(22.5, 6)", "multiply(1600, #0)", "greater(#1, 150)" ], "question_tense": "THIRD", "financial_terms": [ "CASH ADVANCE APR", "EXPONENTIAL INTEREST CALCULATION", "INTEREST OWED" ], "credit_card": "Visa Agreement (for in-branch offers).pdf-255597.md" }, { "question": "If a cardholder transfers $1,200 at 22% APR and makes no payments for 2 months, will the interest exceed $50?", "ground_truth": "FALSE", "output_units": "binary", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 1, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 1, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": 0.22, "arg_2": 12, "resp": 0.018333333333333333 }, { "operator": "multiply", "arg_1": 1200, "arg_2": "#0", "resp": 22 }, { "operator": "multiply", "arg_1": "#1", "arg_2": 2, "resp": 44 }, { "operator": "greater", "arg_1": "#2", "arg_2": 50, "resp": "FALSE" } ], "program": [ "divide(0.22, 12)", "multiply(1200, #0)", "multiply(#1, 2)", "greater(#2, 50)" ], "question_tense": "THIRD", "financial_terms": [ "BALANCE TRANSFER APR", "INTEREST ACCRUAL", "INTEREST THRESHOLD", "NO-PAYMENT SCENARIO" ], "credit_card": "Discover Near Prime Cardmember Agreement_061824-255535.md" }, { "question": "Is the returned payment fee for Iowa residents greater than the rest of the states? Use the minimum fee in thie case?", "ground_truth": "FALSE", "output_units": "binary", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "greater", "arg_1": "15", "arg_2": "29", "resp": "FALSE" } ], "program": [ "greater(15, 29)" ], "question_tense": "THIRD", "financial_terms": [ "RETURNED PAYMENT FEE", "MINIMUM FEE RULE", "MINIMUM FEE FLOOR", "STATE-SPECIFIC RATE CAP", "STATE-SPECIFIC FEE RULE" ], "credit_card": "Barclaycard_combined.md" }, { "question": "Imagine a credit card has a convenience check fee of 5%. Now imagine a holder of the credit card plans on taking out a total sum of $6500. However, the holder is also debating taking out a total sum of $4500. What percentage greater would the convenience check fee be if the holder took out the $6500 sum instead of the $4500 one rounded to nearest percentage?", "ground_truth": "44", "output_units": "%", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "6500", "arg_2": "0.05", "resp": 325.0 }, { "operator": "multiply", "arg_1": "4500", "arg_2": "0.05", "resp": 225.0 }, { "operator": "divide", "arg_1": "#0", "arg_2": "#1", "resp": 1.4444444444444444 }, { "operator": "subtract", "arg_1": "#2", "arg_2": "1", "resp": 0.4444444444444444 }, { "operator": "multiply", "arg_1": "#3", "arg_2": "100", "resp": 44.44444444444444 }, { "operator": "round", "arg_1": "#4", "resp": 44.0 } ], "program": [ "multiply(6500, 0.05)", "multiply(4500, 0.05)", "divide(#0, #1)", "subtract(#2, 1)", "multiply(#3, 100)", "round(#4)" ], "question_tense": "THIRD", "financial_terms": [ "CONVENIENCE CHECK", "PERCENTAGE CALCULATION", "CHECK CASH ADVANCE", "ROUNDING RULE" ], "credit_card": "Delta SkyMiles Platinum American Express Card Cardmember Agreement-255454.md" }, { "question": "If there is a grace period of 5 days before a returned payment fee of $30 assuming first time returned payment, will I be charged the fee if I try to buy something and pay it off in 3 days if my limit is $100 and I try to spend $99.99? Assume this is a new card, so there are no previous returned payments on this card?", "ground_truth": "FALSE", "output_units": "binary", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 1, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 1, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 2, "year": 0, "$": 0, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "less", "arg_1": 5, "arg_2": 3, "resp": "FALSE" } ], "program": [ "less(5, 3)" ], "question_tense": "FIRST", "financial_terms": [ "RETURNED PAYMENT FEE", "GRACE PERIOD", "FIRST-OCCURRENCE FEE RULE" ], "credit_card": "Discover Near Prime Cardmember Agreement_061824-255535.md" }, { "question": "If a cardholder misses a payment for the first time and has $50 Minimum Payment Due, what is their Late Fee?", "ground_truth": "29.00", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "min", "arg_1": "29", "arg_2": "50", "resp": 29 } ], "program": [ "min(29, 50)" ], "question_tense": "THIRD", "financial_terms": [ "LATE PAYMENT FEE", "MINIMUM PAYMENT", "MINIMUM FEE RULE", "FIRST-OCCURRENCE FEE RULE", "MINIMUM PAYMENT FORMULA", "MINIMUM SELECTION", "MINIMUM PAYMENT DUE" ], "credit_card": "Blue Cash Everyday Card Cardmember Agreement-255458.md" }, { "question": "A customer does not meet the requirements for a dissatisifed purchase, but the merchant offers them $20 for their dissatisfaction. How much do they get back if they paid $100 of their $200 order?", "ground_truth": "20.00", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 4, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "subtract", "arg_1": "200", "arg_2": "100", "resp": 100.0 }, { "operator": "min", "arg_1": "#0", "arg_2": "50", "resp": 50.0 }, { "operator": "add", "arg_1": "#1", "arg_2": "20", "resp": 70.0 }, { "operator": "if", "arg_1": "FALSE", "arg_2": "#2", "arg_3": "20", "resp": 20 } ], "program": [ "subtract(200, 100)", "min(#0, 50)", "add(#1, 20)", "if(FALSE, #2, 20)" ], "question_tense": "THIRD", "financial_terms": [ "PURCHASE TRANSACTION", "RETURNED PAYMENT", "MINIMUM SELECTION", "CONDITIONAL FINANCIAL RULE", "CHASE CARD TERMS" ], "credit_card": "US_Bank_Visa_Signature_and_World_Mastercard_Accounts.md" }, { "question": "A customer is deciding between two cash advance options. Option A charges a flat fee of $12. Option B charges the regular credit card given fee. If the customer needs a cash advance of $180, should they choose Option B to pay a lower fee?", "ground_truth": "TRUE", "output_units": "binary", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "5", "arg_2": "100", "resp": 0.05 }, { "operator": "multiply", "arg_1": "180", "arg_2": "#0", "resp": 9.0 }, { "operator": "max", "arg_1": "10", "arg_2": "#1", "resp": 10.0 }, { "operator": "less", "arg_1": "#2", "arg_2": "12", "resp": "TRUE" } ], "program": [ "divide(5, 100)", "multiply(180, #0)", "max(10, #1)", "less(#2, 12)" ], "question_tense": "THIRD", "financial_terms": [ "CASH ADVANCE FEE", "CARD OPTION COMPARISON", "MAXIMUM SELECTION" ], "credit_card": "Aer Lingus Visa Signature Agreement.pdf-255602.md" }, { "question": "I want to make a balance transfer of $100. Will my next minimum payment of $10 be bigger than the fees I paid for the tranfer? The balance transfer fee is 2%?", "ground_truth": "TRUE", "output_units": "binary", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "2", "arg_2": "100", "resp": 0.02 }, { "operator": "multiply", "arg_1": "100", "arg_2": "#0", "resp": 2.0 }, { "operator": "greater", "arg_1": "10", "arg_2": "#1", "resp": "TRUE" } ], "program": [ "divide(2, 100)", "multiply(100, #0)", "greater(10, #1)" ], "question_tense": "FIRST", "financial_terms": [ "BALANCE TRANSFER FEE", "MINIMUM PAYMENT", "ACCOUNT BALANCE", "MINIMUM FEE RULE", "MINIMUM PAYMENT FORMULA", "BALANCE TRANSFER MINIMUM FEE" ], "credit_card": "Mastercard_Elite_English-290256.md" }, { "question": "A cardholder with military status has two credit cards: Card A has a 20% APR. Card B has a 38% APR. If the Military Lending Act APR limit applies, what percentage of the APR would Card B be reduced to comply with the limit, and which card has the lower adjusted APR?", "ground_truth": "36", "output_units": "%", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 3, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 3, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "min", "arg_1": "38", "arg_2": "36", "resp": 36 } ], "program": [ "min(38, 36)" ], "question_tense": "THIRD", "financial_terms": [ "PROMOTIONAL APR", "MILITARY LENDING APR", "PERCENTAGE CALCULATION", "CARD OPTION COMPARISON", "MINIMUM SELECTION", "ZERO PERCENT PROMOTIONAL APR" ], "credit_card": "American Express Gold Card Cardmember Agreement-255468.md" }, { "question": "I want to make a balance transfer of $100. Will my next minimum payment be bigger than the fees I paid for the transfer? The balance transfer fee is 2% and the minimum payment is $10?", "ground_truth": "TRUE", "output_units": "binary", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "2", "arg_2": "100", "resp": 0.02 }, { "operator": "multiply", "arg_1": "100", "arg_2": "#0", "resp": 2.0 }, { "operator": "greater", "arg_1": "10", "arg_2": "#1", "resp": "TRUE" } ], "program": [ "divide(2, 100)", "multiply(100, #0)", "greater(10, #1)" ], "question_tense": "FIRST", "financial_terms": [ "BALANCE TRANSFER FEE", "MINIMUM PAYMENT", "ACCOUNT BALANCE", "MINIMUM FEE RULE", "MINIMUM PAYMENT FORMULA", "BALANCE TRANSFER MINIMUM FEE" ], "credit_card": "Barclaycard_combined.md" }, { "question": "A cardholder has an outstanding balance of $10,500. If overlimit fees apply after a certain number of days, and their balance has been over the limit for 6 days, will they be charged an overlimit fee?", "ground_truth": "FALSE", "output_units": "binary", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 1, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 1, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "greater", "arg_1": "10500", "arg_2": "10000", "resp": "TRUE" }, { "operator": "greater", "arg_1": "6", "arg_2": "7", "resp": "FALSE" }, { "operator": "and", "arg_1": "#0", "arg_2": "#1", "resp": "FALSE" } ], "program": [ "greater(10500, 10000)", "greater(6, 7)", "and(#0, #1)" ], "question_tense": "THIRD", "financial_terms": [ "OVERLIMIT FEE", "OUTSTANDING BALANCE" ], "credit_card": "CitiRewardsStudent_combined.md" }, { "question": "I have 2 outstanding loans. One is $200 and the other is $300. I am terrible at paying back my credit card company so they are charging me the max APR. How many dollars in interest will I pay if I contribute $20 a month to the first loan and $15 a month to the second loan? The max APR is 29.99%?", "ground_truth": "154.00", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 1, "day": 0, "year": 0, "$": 4, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 1, "day": 0, "year": 0, "$": 4, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "29.99", "arg_2": "12", "resp": 2.4991666666666665 }, { "operator": "divide", "arg_1": "#0", "arg_2": "100", "resp": 0.024991666666666666 }, { "operator": "divide", "arg_1": "200", "arg_2": "20", "resp": 10 }, { "operator": "multiply", "arg_1": "#1", "arg_2": "#2", "resp": 0.24991666666666668 }, { "operator": "multiply", "arg_1": "#3", "arg_2": "20", "resp": 4.998333333333333 }, { "operator": "subtract", "arg_1": "#4", "arg_2": "200", "resp": -195.00166666666667 }, { "operator": "divide", "arg_1": "300", "arg_2": "15", "resp": 20 }, { "operator": "multiply", "arg_1": "#1", "arg_2": "#6", "resp": 0.49983333333333335 }, { "operator": "multiply", "arg_1": "#7", "arg_2": "15", "resp": 7.4975 }, { "operator": "subtract", "arg_1": "#8", "arg_2": "300", "resp": -292.5025 }, { "operator": "add", "arg_1": "150", "arg_2": "4", "resp": 154 } ], "program": [ "divide(29.99, 12)", "divide(#0, 100)", "divide(200, 20)", "multiply(#1, #2)", "multiply(#3, 20)", "subtract(#4, 200)", "divide(300, 15)", "multiply(#1, #6)", "multiply(#7, 15)", "subtract(#8, 300)", "add(150, 4)" ], "question_tense": "FIRST", "financial_terms": [ "CREDIT CARD AGREEMENT TERM", "LOAN REPAYMENT" ], "credit_card": "Barclaycard_combined.md" }, { "question": "A customer takes out $2,000 cash advance with an APR of 25%. They have saved $400 so far to pay off the advance. After 2 months, what percentage of the total amount they owe (including accrued interest) do they have saved up, rounded to the nearest whole percentage?", "ground_truth": "19", "output_units": "%", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 1, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 1, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "0.25", "arg_2": "12", "resp": 0.020833333333333332 }, { "operator": "add", "arg_1": "1", "arg_2": "#0", "resp": 1.0208333333333333 }, { "operator": "multiply", "arg_1": "2000", "arg_2": "#1", "resp": 2041.6666666666665 }, { "operator": "multiply", "arg_1": "#2", "arg_2": "#1", "resp": 2084.2013888888887 }, { "operator": "divide", "arg_1": "400", "arg_2": "#3", "resp": 0.19192003331945023 }, { "operator": "multiply", "arg_1": "#4", "arg_2": "100", "resp": 19.192003331945024 }, { "operator": "round", "arg_1": "#5", "resp": 19 } ], "program": [ "divide(0.25, 12)", "add(1, #0)", "multiply(2000, #1)", "multiply(#2, #1)", "divide(400, #3)", "multiply(#4, 100)", "round(#5)" ], "question_tense": "THIRD", "financial_terms": [ "CASH ADVANCE APR", "PAYOFF TIME", "PERCENTAGE CALCULATION", "BALANCE PAYOFF", "ROUNDING RULE" ], "credit_card": "Delta SkyMiles Platinum American Express Card Cardmember Agreement-255454.md" }, { "question": "For a first late payment, a bank charges the lesser of $29 or 50% of the balance. If the balance is $40, what will the fee be?", "ground_truth": "20.00", "output_units": "$", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "50", "arg_2": "100", "resp": 0.5 }, { "operator": "multiply", "arg_1": "40", "arg_2": "#0", "resp": 20.0 }, { "operator": "min", "arg_1": "29", "arg_2": "#1", "resp": 20.0 } ], "program": [ "divide(50, 100)", "multiply(40, #0)", "min(29, #1)" ], "question_tense": "THIRD", "financial_terms": [ "LATE PAYMENT FEE", "ACCOUNT BALANCE", "LESSER-OF FEE RULE", "MINIMUM SELECTION", "PERCENTAGE-BASED FEE" ], "credit_card": "American Express Gold Card Cardmember Agreement-255468.md" }, { "question": "If a credit card with $95 annual fee is canceled after 8 months, and the bank provides a pro-rated refund, how much will be refunded to the cardholder?", "ground_truth": "31.67", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 2, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 2, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": 95, "arg_2": 12, "resp": 7.9166666667 }, { "operator": "multiply", "arg_1": "#0", "arg_2": 4, "resp": 31.6666666668 }, { "operator": "round", "arg_1": "#1", "arg_2": 2, "resp": 31.67 } ], "program": [ "divide(95, 12)", "multiply(#0, 4)", "round(#1, 2)" ], "question_tense": "THIRD", "financial_terms": [ "ANNUAL FEE", "PRORATED FEE", "FEE REFUND", "ACCOUNT CANCELLATION", "ROUNDING RULE", "ANNUALIZED FEE" ], "credit_card": "Wells Fargo Autograph Journey Visa® Card Agreement-442574.md" }, { "question": "A Visa Mastercard Platinum Bank Cash Advance has a 29.24% APR. How many months until the Bank Cash Advance interest equals the principle amount of the cash advance. Ignore any cash advance fee despite what the document says, and round the answer up to the next whole number of years?", "ground_truth": "3", "output_units": "year", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 0, "year": 1, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 1, "$": 0, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "72", "arg_2": "29.24", "resp": 2.462380300957592 }, { "operator": "ceil", "arg_1": "#0", "resp": 3 } ], "program": [ "divide(72, 29.24)", "ceil(#0)" ], "question_tense": "THIRD", "financial_terms": [ "CASH ADVANCE APR", "CASH ADVANCE FEE", "PAYOFF TIME", "ROUND-UP RULE", "VISA MASTERCARD TERMS", "BANK CASH ADVANCE" ], "credit_card": "Visa_Mastercard_Platinum_Siganture_World_Infinite_English-290260.md" }, { "question": "The agreement states that interest on cash advances begins accruing from the transaction date. If a customer takes out a cash advance on March 12, 2025, and their billing cycle closes on March 31, 2025, how many days will interest accrue before the billing cycle ends?", "ground_truth": "20", "output_units": "day", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 2, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 2, "year": 0, "$": 0, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "subtract", "arg_1": "31", "arg_2": "12", "resp": 19 }, { "operator": "add", "arg_1": "#0", "arg_2": "1", "resp": 20 } ], "program": [ "subtract(31, 12)", "add(#0, 1)" ], "question_tense": "THIRD", "financial_terms": [ "CASH ADVANCE APR", "BILLING CYCLE", "PAYOFF TIME", "BILLING-CYCLE INTEREST", "INTEREST OWED" ], "credit_card": "GAPCobrand_combined.md" }, { "question": "On $4,000 balance, the 1% portion is $40. Each billing cycle is 30 days. If the cardholder wants to pay down $200 in principal at $40/month (ignoring new interest), how many days will that take?", "ground_truth": "150", "output_units": "day", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 1, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 1, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "200", "arg_2": "40", "resp": 5.0 }, { "operator": "multiply", "arg_1": "#0", "arg_2": "30", "resp": 150.0 } ], "program": [ "divide(200, 40)", "multiply(#0, 30)" ], "question_tense": "THIRD", "financial_terms": [ "MINIMUM PAYMENT", "ACCOUNT BALANCE", "BILLING CYCLE", "PAYOFF TIME", "THIRTY-DAY INTEREST", "BILLING-CYCLE INTEREST", "PRINCIPAL REDUCTION" ], "credit_card": "American Express Gold Card Cardmember Agreement-255468.md" }, { "question": "A cardholder submitted two checks—one for $60 and one for $78—both of which were returned. Each returned check incurs $38 fee. If the cardholder currently has $60 in their account, what percentage of the total amount they owe (including the check amounts and fees) can they cover? Round the answer to the nearest whole percent?", "ground_truth": "28", "output_units": "%", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 4, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "add", "arg_1": "60", "arg_2": "78", "resp": 138.0 }, { "operator": "multiply", "arg_1": "38", "arg_2": "2", "resp": 76.0 }, { "operator": "add", "arg_1": "#0", "arg_2": "#1", "resp": 214.0 }, { "operator": "divide", "arg_1": "60", "arg_2": "#2", "resp": 0.2803738317757009 }, { "operator": "multiply", "arg_1": "#3", "arg_2": "100", "resp": 28.037383177570092 }, { "operator": "round", "arg_1": "#4", "resp": 28.0 } ], "program": [ "add(60, 78)", "multiply(38, 2)", "add(#0, #1)", "divide(60, #2)", "multiply(#3, 100)", "round(#4)" ], "question_tense": "THIRD", "financial_terms": [ "RETURNED PAYMENT FEE", "PERCENTAGE CALCULATION", "ROUNDING RULE", "FIXED DOLLAR FEE" ], "credit_card": "Delta SkyMiles Platinum American Express Card Cardmember Agreement-255454.md" }, { "question": "There is a card holder that has had 2 in person transactions in the last 30 days. The first time there was a transaction of $1600. The second time there was a transaction of $175. How much more money can be spent in another person-to-person transaction until the limit is reached? Note the cardholder's person-to-person transactions may not exceed the $2,000 person-to-person transactions limit within any 30-day period?", "ground_truth": "225.00", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 1, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 1, "year": 0, "$": 2, "binary": 0, "categorical": 1 }, "total": { "%": 0, "month": 0, "day": 2, "year": 0, "$": 3, "binary": 0, "categorical": 1 } }, "steps": [ { "operator": "add", "arg_1": "1600", "arg_2": "175", "resp": 1775.0 }, { "operator": "subtract", "arg_1": "2000", "arg_2": "#0", "resp": 225.0 } ], "program": [ "add(1600, 175)", "subtract(2000, #0)" ], "question_tense": "THIRD", "financial_terms": [ "PERSON-TO-PERSON TRANSACTION", "PAYOFF TIME", "FIRST-OCCURRENCE FEE RULE", "THIRTY-DAY INTEREST" ], "credit_card": "Delta SkyMiles Platinum American Express Card Cardmember Agreement-255454.md" }, { "question": "A customer expects to spent an average of 200 GBP on a trip to London, when they returned they saw that they had incurred $70.20 in foreign transaction fees. The average fx rate during their trip was 1.3 USD/GBP. How many days was their trip?", "ground_truth": "9", "output_units": "day", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "200", "arg_2": "1.3", "resp": 260 }, { "operator": "divide", "arg_1": "3", "arg_2": "100", "resp": 0.03 }, { "operator": "multiply", "arg_1": "#0", "arg_2": "#1", "resp": 7.8 }, { "operator": "divide", "arg_1": "70.20", "arg_2": "#2", "resp": 9 } ], "program": [ "multiply(200, 1.3)", "divide(3, 100)", "multiply(#0, #1)", "divide(70.20, #2)" ], "question_tense": "THIRD", "financial_terms": [ "FOREIGN TRANSACTION FEE", "PAYOFF TIME", "CURRENCY CONVERSION", "TRANSACTION FEE CALCULATION" ], "credit_card": "Visa Agreement (for in-branch offers).pdf-255597.md" }, { "question": "Suppose I have insufficient funds for a purchase using the Discover Near Prime Card. If I last tried to make a purchase 1 month ago with insufficient funds, how much will I be charged if I try again this month?", "ground_truth": "41.00", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 1, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 1, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 2, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "subtract", "arg_1": 1, "arg_2": 6, "resp": -5 }, { "operator": "less", "arg_1": "#0", "arg_2": 0, "resp": "TRUE" }, { "operator": "if", "arg_1": "#1", "arg_2": 41, "resp": 41 } ], "program": [ "subtract(1, 6)", "less(#0, 0)", "if(#1, 41)" ], "question_tense": "THIRD", "financial_terms": [ "PURCHASE TRANSACTION", "RETURNED PAYMENT FEE", "CONDITIONAL FINANCIAL RULE", "DISCOVER CARD TERMS", "CHASE CARD TERMS" ], "credit_card": "Discover Near Prime Cardmember Agreement_061824-255535.md" }, { "question": "The agreement specifies that the currency conversion rate used may differ from the rate in effect on the date of purchase, as it depends on the central processing date. If a customer makes a foreign purchase on March 12, 2025, and Mastercard processes it three business days later, whatin how many days is the processing date for this transaction?", "ground_truth": 5, "output_units": "day", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 1, "day": 1, "year": 1, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 1, "day": 1, "year": 1, "$": 0, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "add", "arg_1": "2", "arg_2": "3", "resp": 5 } ], "program": [ "add(2, 3)" ], "question_tense": "THIRD", "financial_terms": [ "PURCHASE TRANSACTION", "FOREIGN TRANSACTION", "PAYOFF TIME", "DAY COUNT CALCULATION", "CHASE CARD TERMS" ], "credit_card": "GAPCobrand_combined.md" }, { "question": "If the billing cycle increases from 30 days to 45 days, how much extra interest will be charged on $4000 balance with a DPR of 0.02737%?", "ground_truth": "16.42", "output_units": "$", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 2, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 2, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "4000", "arg_2": "0.0002737", "resp": 1.0948 }, { "operator": "subtract", "arg_1": "45", "arg_2": "30", "resp": 15 }, { "operator": "multiply", "arg_1": "#0", "arg_2": "#1", "resp": 16.422 }, { "operator": "round", "arg_1": "#2", "arg_2": "2", "resp": 16.42 } ], "program": [ "multiply(4000, 0.0002737)", "subtract(45, 30)", "multiply(#0, #1)", "round(#2, 2)" ], "question_tense": "THIRD", "financial_terms": [ "DAILY PERIODIC RATE", "ACCOUNT BALANCE", "BILLING CYCLE", "THIRTY-DAY INTEREST", "BILLING-CYCLE INTEREST", "ROUNDING RULE" ], "credit_card": "Credit Card Agreement for Bass Pro Shops CLUB Cards.pdf-255664.md" }, { "question": "If the cardholder plans to purchase a new laptop for $1,500 using the cardholder's Bank of America World Elite Mastercard, which has an APR of 23.24% and a minimum payment of 1% of the balance plus interest and fees, how much will the First month interest be?", "ground_truth": "29.05", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "23.24", "arg_2": "100", "resp": 0.2324 }, { "operator": "divide", "arg_1": "#0", "arg_2": "12", "resp": 0.019366666666666667 }, { "operator": "multiply", "arg_1": "1500", "arg_2": "#1", "resp": 29.05 } ], "program": [ "divide(23.24, 100)", "divide(#0, 12)", "multiply(1500, #1)" ], "question_tense": "THIRD", "financial_terms": [ "PURCHASE APR", "MINIMUM PAYMENT", "ACCOUNT BALANCE", "MINIMUM FEE RULE", "MINIMUM PAYMENT FORMULA", "CHASE CARD TERMS", "BANK OF AMERICA CARD TERMS", "PERCENTAGE-BASED FEE" ], "credit_card": "Mastercard_Elite_English-290256.md" }, { "question": "If a cardholder withdraws $500 from a MasterCard ATM with a Plus Logo and the Foreign Transaction Fee Interest Charge that charges 3% for non plus logo ATMs is active, how much does the cardholder pays in fees? ATM Type (Categorical: MasterCard with Plus Logo(1), MasterCard without Plus Logo(2), Generic ATM(3))?", "ground_truth": "0.00", "output_units": "$", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 1 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 1 } }, "steps": [ { "operator": "multiply", "arg_1": "500", "arg_2": "0.03", "resp": 15.0 }, { "operator": "greater", "arg_1": "1", "arg_2": "1", "resp": "FALSE" }, { "operator": "if", "arg_1": "#1", "arg_2": "#0", "arg_3": "0", "resp": 0 } ], "program": [ "multiply(500, 0.03)", "greater(1, 1)", "if(#1, #0, 0)" ], "question_tense": "THIRD", "financial_terms": [ "FOREIGN TRANSACTION FEE", "INTEREST ACCRUAL", "ATM CASH ADVANCE", "TRANSACTION FEE CALCULATION", "CONDITIONAL FINANCIAL RULE" ], "credit_card": "US_Bank_Visa_Signature_and_World_Mastercard_Accounts.md" }, { "question": "Using the Capital One SilverEdge Card, if a cardholder qualifies for $45 Late Fee but their Minimum Payment Due is only $32, what is their actual Late Fee?", "ground_truth": "32.00", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "min", "arg_1": 45, "arg_2": 32, "resp": 32 } ], "program": [ "min(45, 32)" ], "question_tense": "THIRD", "financial_terms": [ "LATE PAYMENT FEE", "MINIMUM PAYMENT", "MINIMUM FEE RULE", "FEE CAP", "MINIMUM PAYMENT FORMULA", "MINIMUM SELECTION", "MINIMUM PAYMENT DUE" ], "credit_card": "Wells Fargo Autograph Journey Visa® Card Agreement-442574.md" }, { "question": "If I spent $6,500 already this calendar year, what will my cashback rate be on my next supermarket purchase?", "ground_truth": "1.00", "output_units": "%", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "greater", "arg_1": "6500", "arg_2": "6000", "resp": "TRUE" }, { "operator": "if", "arg_1": "#0", "arg_2": "1", "resp": 1 } ], "program": [ "greater(6500, 6000)", "if(#0, 1)" ], "question_tense": "FIRST", "financial_terms": [ "PURCHASE TRANSACTION", "REWARDS", "CONDITIONAL FINANCIAL RULE", "CHASE CARD TERMS", "GROCERY REWARD CATEGORY" ], "credit_card": "Blue Cash Everyday Card Cardmember Agreement-255458.md" }, { "question": "I used my credit card to buy groceries for $100. For two months, I pay only the minimum payment of $10. How much will I owe at the end of the second month? The purchase APR is 12%?", "ground_truth": "81.70", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 1, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 1, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "subtract", "arg_1": "100", "arg_2": "10", "resp": 90 }, { "operator": "divide", "arg_1": "12", "arg_2": "100", "resp": 0.12 }, { "operator": "divide", "arg_1": "#1", "arg_2": "12", "resp": 0.01 }, { "operator": "multiply", "arg_1": "#0", "arg_2": "#2", "resp": 0.9 }, { "operator": "add", "arg_1": "#0", "arg_2": "#3", "resp": 90.9 }, { "operator": "subtract", "arg_1": "#4", "arg_2": "10", "resp": 80.9 }, { "operator": "multiply", "arg_1": "#5", "arg_2": "#2", "resp": 0.809 }, { "operator": "add", "arg_1": "#5", "arg_2": "#6", "resp": 81.709 } ], "program": [ "subtract(100, 10)", "divide(12, 100)", "divide(#1, 12)", "multiply(#0, #2)", "add(#0, #3)", "subtract(#4, 10)", "multiply(#5, #2)", "add(#5, #6)" ], "question_tense": "FIRST", "financial_terms": [ "PURCHASE APR", "MINIMUM PAYMENT", "MINIMUM PAYMENT FORMULA", "CHASE CARD TERMS", "GROCERY REWARD CATEGORY" ], "credit_card": "Barclaycard_combined.md" }, { "question": "Imagine there are 2 people who have had returned payments. For person 1, this has occured 3 times a month for an entire year. For person 2, this occured 1 time every 3 months. There is a returned payment fee of $45. What percentage more would person 1 have to pay rounded to the nearest whole number?", "ground_truth": "800", "output_units": "%", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 2, "day": 0, "year": 1, "$": 0, "binary": 0, "categorical": 2 }, "total": { "%": 0, "month": 2, "day": 0, "year": 1, "$": 1, "binary": 0, "categorical": 2 } }, "steps": [ { "operator": "multiply", "arg_1": "3", "arg_2": "12", "resp": 36 }, { "operator": "divide", "arg_1": "12", "arg_2": "3", "resp": 4 }, { "operator": "multiply", "arg_1": "#0", "arg_2": "45", "resp": 1620 }, { "operator": "multiply", "arg_1": "#1", "arg_2": "45", "resp": 180 }, { "operator": "subtract", "arg_1": "#2", "arg_2": "#3", "resp": 1440 }, { "operator": "divide", "arg_1": "#4", "arg_2": "#3", "resp": 8 }, { "operator": "multiply", "arg_1": "#5", "arg_2": "100", "resp": 800 } ], "program": [ "multiply(3, 12)", "divide(12, 3)", "multiply(#0, 45)", "multiply(#1, 45)", "subtract(#2, #3)", "divide(#4, #3)", "multiply(#5, 100)" ], "question_tense": "THIRD", "financial_terms": [ "RETURNED PAYMENT FEE", "PERCENTAGE CALCULATION", "PERCENTAGE INCREASE" ], "credit_card": "Delta SkyMiles Platinum American Express Card Cardmember Agreement-255454.md" }, { "question": "If the APR for cash advances is 28.74% and the cardholder takes a same-day online cash advance of $780, what is the interest represent after one month, assuming monthly compounding on a Bank of America World Elite Mastercard?", "ground_truth": "18.68", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "28.74", "arg_2": "100", "resp": 0.2874 }, { "operator": "divide", "arg_1": "#0", "arg_2": "12", "resp": 0.02395 }, { "operator": "multiply", "arg_1": "780", "arg_2": "#1", "resp": 18.681 }, { "operator": "round", "arg_1": "#2", "arg_2": "2", "resp": 18.68 } ], "program": [ "divide(28.74, 100)", "divide(#0, 12)", "multiply(780, #1)", "round(#2, 2)" ], "question_tense": "THIRD", "financial_terms": [ "CASH ADVANCE APR", "MONTHLY COMPOUNDING", "MONTHLY COMPOUNDING INTEREST", "ROUNDING RULE", "BANK OF AMERICA CARD TERMS", "SAME-DAY ONLINE CASH ADVANCE" ], "credit_card": "Mastercard_Elite_English-290256.md" }, { "question": "A credit card issuer introduces a new policy where if a customer's total monthly interest is below $6, they are charged a flat $6 minimum interest charge. If a customer's calculated interest for the month is $4.50, how much will they pay under the new policy?", "ground_truth": "6.00", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "add", "arg_1": "0", "arg_2": "4.5", "resp": 4.5 }, { "operator": "add", "arg_1": "0", "arg_2": "6", "resp": 6.0 }, { "operator": "max", "arg_1": "#0", "arg_2": "#1", "resp": 6.0 } ], "program": [ "add(0, 4.5)", "add(0, 6)", "max(#0, #1)" ], "question_tense": "THIRD", "financial_terms": [ "MINIMUM INTEREST CHARGE", "INTEREST ACCRUAL", "MINIMUM FEE RULE", "MAXIMUM SELECTION" ], "credit_card": "US_Bank_Personal_LOC.md" }, { "question": "Suppose I transfer 5000 dollars in debt to my empty card. I pay off all the debt at the two month peroid. How much did I pay in total?", "ground_truth": "5320.75", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 1, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 1, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "5000", "arg_2": "0.03", "resp": 150 }, { "operator": "max", "arg_1": "#0", "arg_2": "5", "resp": 150 }, { "operator": "divide", "arg_1": "0.2049", "arg_2": "12", "resp": 0.017075 }, { "operator": "multiply", "arg_1": "5000", "arg_2": "#2", "resp": 85.375 }, { "operator": "multiply", "arg_1": "#3", "arg_2": "2", "resp": 170.75 }, { "operator": "add", "arg_1": "5000", "arg_2": "#1", "resp": 5150 }, { "operator": "add", "arg_1": "#5", "arg_2": "#4", "resp": 5320.75 } ], "program": [ "multiply(5000, 0.03)", "max(#0, 5)", "divide(0.2049, 12)", "multiply(5000, #2)", "multiply(#3, 2)", "add(5000, #1)", "add(#5, #4)" ], "question_tense": "FIRST", "financial_terms": [ "BALANCE TRANSFER", "PAYOFF TIME", "BALANCE PAYOFF", "MAXIMUM SELECTION" ], "credit_card": "Barclaycard_combined.md" }, { "question": "If a Visa Mastercard Platinum card with a 5% Overdraft Protection Cash Advance fee carries an APR of 22%, what is the total interest after 6 months for $850 overdraft?", "ground_truth": "97.89", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 1, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 1, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "22", "arg_2": "100", "resp": 0.22 }, { "operator": "divide", "arg_1": "#0", "arg_2": "12", "resp": 0.018333333333333333 }, { "operator": "add", "arg_1": "1", "arg_2": "#1", "resp": 1.0183333333333333 }, { "operator": "exponent", "arg_1": "#2", "arg_2": "6", "resp": 1.1151666144323378 }, { "operator": "subtract", "arg_1": "#3", "arg_2": "1", "resp": 0.11516661443233778 }, { "operator": "multiply", "arg_1": "850", "arg_2": "#4", "resp": 97.89162226748711 } ], "program": [ "divide(22, 100)", "divide(#0, 12)", "add(1, #1)", "exponent(#2, 6)", "subtract(#3, 1)", "multiply(850, #4)" ], "question_tense": "THIRD", "financial_terms": [ "CASH ADVANCE APR", "CASH ADVANCE FEE", "INTEREST ACCRUAL", "EXPONENTIAL INTEREST CALCULATION", "VISA MASTERCARD TERMS" ], "credit_card": "Visa_Mastercard_Platinum_Siganture_World_Infinite_English-290260.md" }, { "question": "I use my credit card to buy $3,000 worth of gift cards, which is classified as a cash equivalent advance. My total credit limit is $5,000, and the Cash Equivalent Advance Fee is $10 or 5% of the advance amount, whichever is greater. After the fee is applied, how much of my credit limit will remain available?", "ground_truth": "1850.00", "output_units": "$", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "3000", "arg_2": "0.05", "resp": 150 }, { "operator": "max", "arg_1": "#0", "arg_2": "10", "resp": 150 }, { "operator": "add", "arg_1": "3000", "arg_2": "#1", "resp": 3150 }, { "operator": "subtract", "arg_1": "5000", "arg_2": "#2", "resp": 1850 } ], "program": [ "multiply(3000, 0.05)", "max(#0, 10)", "add(3000, #1)", "subtract(5000, #2)" ], "question_tense": "FIRST", "financial_terms": [ "CASH ADVANCE FEE", "CREDIT LIMIT", "CASH EQUIVALENT TRANSACTION", "MAXIMUM SELECTION", "PERCENTAGE-BASED FEE" ], "credit_card": "US_Bank_Elan_Financial.md" }, { "question": "Cash advance fee is either 10 or 5% of the amount of each cash advance, whichever is greater. How much would I need to pay in cash advance fees if I withdrew 10, assuming there was an additional fee of 5 charged by the ATM operator?", "ground_truth": "10.00", "output_units": "$", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "add", "arg_1": "10", "arg_2": "5", "resp": 15 }, { "operator": "multiply", "arg_1": "0.05", "arg_2": "#0", "resp": 0.75 }, { "operator": "max", "arg_1": "10", "arg_2": "#1", "resp": 10 } ], "program": [ "add(10, 5)", "multiply(0.05, #0)", "max(10, #1)" ], "question_tense": "FIRST", "financial_terms": [ "CASH ADVANCE FEE", "ATM CASH ADVANCE", "MAXIMUM SELECTION", "PERCENTAGE-BASED FEE", "ATM OPERATOR FEE" ], "credit_card": "Discover Prime Cardmember Agreement_061824-255536.md" }, { "question": "If the APR for Balance Transfers is Prime Rate + 13.99% and the Prime Rate is 8.50%, what percentage of the balance does the interest represent if it is compounded monthly?", "ground_truth": "1.87", "output_units": "%", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "add", "arg_1": "8.50", "arg_2": "13.99", "resp": 22.49 }, { "operator": "divide", "arg_1": "#0", "arg_2": "12", "resp": 1.8741666666666668 }, { "operator": "round", "arg_1": "#1", "arg_2": "2", "resp": 1.87 } ], "program": [ "add(8.50, 13.99)", "divide(#0, 12)", "round(#1, 2)" ], "question_tense": "THIRD", "financial_terms": [ "PRIME RATE", "BALANCE TRANSFER APR", "ACCOUNT BALANCE", "MONTHLY COMPOUNDING", "PERCENTAGE CALCULATION", "MONTHLY COMPOUNDING INTEREST", "ROUNDING RULE" ], "credit_card": "Mastercard_Elite_English-290256.md" }, { "question": "If the cardholder complete a balance transfer on the first day of the cardholder's billing cycle and do not pay it off by the due date, how many days of interest will accrue before the next billing cycle begins?", "ground_truth": "30", "output_units": "day", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 1, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 1, "year": 0, "$": 0, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "subtract", "arg_1": "30", "arg_2": "0", "resp": 30 } ], "program": [ "subtract(30, 0)" ], "question_tense": "THIRD", "financial_terms": [ "BALANCE TRANSFER APR", "ACCOUNT BALANCE", "BILLING CYCLE", "PAYOFF TIME", "PAYMENT DUE DATE", "BILLING-CYCLE INTEREST", "PAYMENT DUE DATE CALCULATION" ], "credit_card": "GAPCobrand_combined.md" }, { "question": "It is January 20th. I have a citi flex balance of $100, and I have the max citi flex APR possible. If I have 5 scheduled payments to make, how much interest will I be charged if the billing period ends on January 31st?", "ground_truth": "7.20", "output_units": "$", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 2, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 2, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "subtract", "arg_1": "31", "arg_2": "20", "resp": 11 }, { "operator": "divide", "arg_1": "29.24", "arg_2": "100", "resp": 0.2924 }, { "operator": "divide", "arg_1": "#1", "arg_2": "365", "resp": 0.0008010958904109589 }, { "operator": "multiply", "arg_1": "100", "arg_2": "#2", "resp": 0.08010958904109589 }, { "operator": "multiply", "arg_1": "#3", "arg_2": "#0", "resp": 0.8812054794520547 }, { "operator": "multiply", "arg_1": "#4", "arg_2": "5", "resp": 4.4060273972602735 }, { "operator": "multiply", "arg_1": "#5", "arg_2": "1.634", "resp": 7.199448767123286 }, { "operator": "round", "arg_1": "#6", "arg_2": "2", "resp": 7.2 } ], "program": [ "subtract(31, 20)", "divide(29.24, 100)", "divide(#1, 365)", "multiply(100, #2)", "multiply(#3, #0)", "multiply(#4, 5)", "multiply(#5, 1.634)", "round(#6, 2)" ], "question_tense": "THIRD", "financial_terms": [ "ACCOUNT BALANCE", "CITI FLEX APR", "ROUNDING RULE", "365-DAY RATE BASIS", "CITI CARD TERMS" ], "credit_card": "CitiStrataPremier.md" }, { "question": "I have an overdue amount of $50. If my new adjusted balance is $200, what is my next minimum payment due?", "ground_truth": "91.00", "output_units": "$", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "1", "arg_2": "100", "resp": 0.01 }, { "operator": "multiply", "arg_1": "200", "arg_2": "#0", "resp": 2.0 }, { "operator": "max", "arg_1": "#1", "arg_2": "41", "resp": 41.0 }, { "operator": "add", "arg_1": "#2", "arg_2": "50", "resp": 91.0 }, { "operator": "round", "arg_1": "#3", "arg_2": "2", "resp": 91.0 } ], "program": [ "divide(1, 100)", "multiply(200, #0)", "max(#1, 41)", "add(#2, 50)", "round(#3, 2)" ], "question_tense": "FIRST", "financial_terms": [ "MINIMUM PAYMENT", "ACCOUNT BALANCE", "MINIMUM PAYMENT FORMULA", "ROUNDING RULE", "MAXIMUM SELECTION", "MINIMUM PAYMENT DUE" ], "credit_card": "CitiStrataPremier.md" }, { "question": "A Visa Mastercard Platinum over-the-counter cash advance charges max($12, 5% of the amount) for normal advances and max($12, 3% of the amount) for premium advances. An advance is premium if it exceeds $1,800. If the cardholder takes $2,200 advance, how much is the fee?", "ground_truth": "66.00", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "greater", "arg_1": "2200", "arg_2": "1800", "resp": "TRUE" }, { "operator": "multiply", "arg_1": "3", "arg_2": "0.01", "resp": 0.03 }, { "operator": "multiply", "arg_1": "2200", "arg_2": "#1", "resp": 66 }, { "operator": "max", "arg_1": "#2", "arg_2": "12", "resp": 66 } ], "program": [ "greater(2200, 1800)", "multiply(3, 0.01)", "multiply(2200, #1)", "max(#2, 12)" ], "question_tense": "THIRD", "financial_terms": [ "CASH ADVANCE FEE", "MAXIMUM SELECTION", "VISA MASTERCARD TERMS", "PERCENTAGE-BASED FEE" ], "credit_card": "Visa_Mastercard_Platinum_Siganture_World_Infinite_English-290260.md" }, { "question": "A cardholder has a previous credit card with a balance of $5000 and decides to transfer it to his current credit card. After the balance sits for 3 years, how much does the cardholder owe in interest if his APR for Balance Transfers is 28%?", "ground_truth": "6578.11", "output_units": "$", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 1, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 1, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "0.28", "arg_2": "365", "resp": 0.000767123287671233 }, { "operator": "multiply", "arg_1": "3", "arg_2": "365", "resp": 1095.0 }, { "operator": "add", "arg_1": "#0", "arg_2": "1", "resp": 1.0007671232876711 }, { "operator": "exponent", "arg_1": "#2", "arg_2": "#1", "resp": 2.3156211639293156 }, { "operator": "multiply", "arg_1": "5000", "arg_2": "#3", "resp": 11578.105819646578 }, { "operator": "subtract", "arg_1": "#4", "arg_2": "5000", "resp": 6578.105819646578 } ], "program": [ "divide(0.28, 365)", "multiply(3, 365)", "add(#0, 1)", "exponent(#2, #1)", "multiply(5000, #3)", "subtract(#4, 5000)" ], "question_tense": "THIRD", "financial_terms": [ "BALANCE TRANSFER APR", "ACCOUNT BALANCE", "365-DAY RATE BASIS", "EXPONENTIAL INTEREST CALCULATION" ], "credit_card": "US_Bank_Visa_Signature_and_World_Mastercard_Accounts.md" }, { "question": "I make $47 purchase, but my checking account only has $20 left. My bank has overdraft protection linked to my credit card, meaning the remaining $27 is covered as a cash advance with no overdraft protection fee. However, my bank also has an automatic round-up savings program that rounds purchases to the nearest $5 and deposits the difference into my savings account. How much money is transferred into my savings account due to this round-up program?", "ground_truth": "3.00", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "47", "arg_2": "5", "resp": 9.4 }, { "operator": "ceil", "arg_1": "#0", "arg_2": "", "resp": 10 }, { "operator": "multiply", "arg_1": "#1", "arg_2": "5", "resp": 50 }, { "operator": "subtract", "arg_1": "#2", "arg_2": "47", "resp": 3 } ], "program": [ "divide(47, 5)", "ceil(#0, )", "multiply(#1, 5)", "subtract(#2, 47)" ], "question_tense": "FIRST", "financial_terms": [ "CASH ADVANCE FEE", "PURCHASE TRANSACTION", "FINANCIAL DIFFERENCE", "ROUND-UP RULE", "CHASE CARD TERMS" ], "credit_card": "US_Bank_Elan_Financial.md" }, { "question": "A customer needs to make $2,700 purchase. He takes a cash advance from an ATM that amounts to $1,400. Assuming he pays off the rest of the amount with his credit card directly, how much will the ATM fees account in the total payment amount?", "ground_truth": "2", "output_units": "%", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "1400", "arg_2": "0.04", "resp": 56 }, { "operator": "max", "arg_1": "10", "arg_2": "#0", "resp": 56 }, { "operator": "divide", "arg_1": "#1", "arg_2": "2700", "resp": 0.02074074074074074 }, { "operator": "multiply", "arg_1": "#2", "arg_2": "100", "resp": 2.074074074074074 }, { "operator": "round", "arg_1": "#3", "arg_2": "0", "resp": 2 } ], "program": [ "multiply(1400, 0.04)", "max(10, #0)", "divide(#1, 2700)", "multiply(#2, 100)", "round(#3, 0)" ], "question_tense": "THIRD", "financial_terms": [ "CASH ADVANCE FEE", "PURCHASE TRANSACTION", "ATM CASH ADVANCE", "ROUNDING RULE", "MAXIMUM SELECTION", "CHASE CARD TERMS" ], "credit_card": "US_Bank_Personal_LOC.md" }, { "question": "If I have $100 to spend and I tried to buy something for $100.01 using the Discover Near Prime Card, how much would I be charged for just the returned payment if this is the holder's first returned payment?", "ground_truth": "30.00", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 4, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "subtract", "arg_1": 100, "arg_2": 100.01, "resp": -0.009999999999990905 }, { "operator": "less", "arg_1": "#0", "arg_2": 0, "resp": "TRUE" }, { "operator": "if", "arg_1": "#1", "arg_2": 30, "resp": 30 } ], "program": [ "subtract(100, 100.01)", "less(#0, 0)", "if(#1, 30)" ], "question_tense": "FIRST", "financial_terms": [ "RETURNED PAYMENT FEE", "CONDITIONAL FINANCIAL RULE", "DISCOVER CARD TERMS" ], "credit_card": "Discover Near Prime Cardmember Agreement_061824-255535.md" }, { "question": "It has been 40 days since a billing dispute investigation was opened. According to the Fair Credit Billing Act section in the agreement, if the investigation requires 30 days, how many days have passed since the person should have been given a determination on their dispute?", "ground_truth": "10", "output_units": "day", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 1, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 1, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 2, "year": 0, "$": 0, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "subtract", "arg_1": "40", "arg_2": "30", "resp": 10.0 } ], "program": [ "subtract(40, 30)" ], "question_tense": "THIRD", "financial_terms": [ "ARBITRATION AWARD", "BILLING ERROR", "PAYOFF TIME", "THIRTY-DAY INTEREST", "FAIR CREDIT BILLING ACT" ], "credit_card": "US_Bank_Visa_Signature_and_World_Mastercard_Accounts.md" }, { "question": "What’s the Minimum Payment for $500 New Balance, $10 interest, $5 fees?", "ground_truth": "25.00", "output_units": "$", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "500", "arg_2": "0.01", "resp": 5.0 }, { "operator": "add", "arg_1": "#0", "arg_2": "10", "arg_3": "5", "resp": 15.0 }, { "operator": "max", "arg_1": "#1", "arg_2": "25", "resp": 25.0 } ], "program": [ "multiply(500, 0.01)", "add(#0, 10, 5)", "max(#1, 25)" ], "question_tense": "THIRD", "financial_terms": [ "MINIMUM PAYMENT", "ACCOUNT BALANCE", "MINIMUM FEE RULE", "MINIMUM PAYMENT FORMULA", "NEW BALANCE", "MAXIMUM SELECTION", "FIXED DOLLAR FEE", "MINIMUM PAYMENT ON NEW BALANCE" ], "credit_card": "The Private Bank By Invitation Visa Signature® Card Account Agreement-255549.md" }, { "question": "I transfer $2,500 balance to a new credit card with a DPR for Balance Transfer of 0.052712%. If I do not make any payments for 45 days, how much interest will accrue on my balance?", "ground_truth": "59.30", "output_units": "$", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 1, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 1, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "0.052712", "arg_2": "100", "resp": 0.00052712 }, { "operator": "multiply", "arg_1": "#0", "arg_2": "45", "resp": 0.0237204 }, { "operator": "add", "arg_1": "1", "arg_2": "#1", "resp": 1.0237204 }, { "operator": "multiply", "arg_1": "2500", "arg_2": "#2", "resp": 2559.301 }, { "operator": "subtract", "arg_1": "#3", "arg_2": "2500", "resp": 59.301000000000016 }, { "operator": "round", "arg_1": "#4", "arg_2": "2", "resp": 59.3 } ], "program": [ "divide(0.052712, 100)", "multiply(#0, 45)", "add(1, #1)", "multiply(2500, #2)", "subtract(#3, 2500)", "round(#4, 2)" ], "question_tense": "FIRST", "financial_terms": [ "DAILY PERIODIC RATE", "BALANCE TRANSFER APR", "ACCOUNT BALANCE", "ROUNDING RULE" ], "credit_card": "US_Bank_Elan_Financial.md" }, { "question": "Discover Near Prime offers two tiers of credit lines. For the standard tier, they are given $3000 credit line with a 19.99% APR. For the premium tier, they are given $6000 credit line with a 12.99% APR. What is the difference in APR rates between these two tiers?", "ground_truth": "7.00", "output_units": "%", "input_units": { "from_doc": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "subtract", "arg_1": 19.99, "arg_2": 12.99, "resp": 7 } ], "program": [ "subtract(19.99, 12.99)" ], "question_tense": "THIRD", "financial_terms": [ "PURCHASE APR", "CREDIT LIMIT", "CREDIT TIER", "FINANCIAL DIFFERENCE", "CREDIT LINE", "TIERED RATE SCHEDULE", "DISCOVER CARD TERMS" ], "credit_card": "Discover Near Prime Cardmember Agreement_061824-255535.md" }, { "question": "Discover Journey offers two tiers of credit lines. For the standard tier, they are given $3500 credit line with a 21.49% APR. For the premium tier, they are given $7000 credit line with a 13.99% APR. What is the difference in APR rates between these two tiers?", "ground_truth": "7.50", "output_units": "%", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "subtract", "arg_1": 21.49, "arg_2": 13.99, "resp": 7.5 } ], "program": [ "subtract(21.49, 13.99)" ], "question_tense": "THIRD", "financial_terms": [ "PURCHASE APR", "CREDIT LIMIT", "CREDIT TIER", "FINANCIAL DIFFERENCE", "CREDIT LINE", "TIERED RATE SCHEDULE", "DISCOVER CARD TERMS" ], "credit_card": "Wells Fargo Autograph Journey Visa® Card Agreement-442574.md" }, { "question": "A Visa Mastercard Platinum Bank Cash Advance of $4,800 is taken at 27.99% APR and another at 20.74% APR for 1 year. How much more interest is paid at the higher rate? For a very rough estimate, just assume interest is compounded yearly, and round the answer to the nearest whole number of dollars?", "ground_truth": "348.00", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "27.99", "arg_2": "100", "resp": 0.2799 }, { "operator": "multiply", "arg_1": "4800", "arg_2": "#0", "resp": 1343.52 }, { "operator": "divide", "arg_1": "20.74", "arg_2": "100", "resp": 0.2074 }, { "operator": "multiply", "arg_1": "4800", "arg_2": "#2", "resp": 995.52 }, { "operator": "subtract", "arg_1": "#1", "arg_2": "#3", "resp": 348.0 }, { "operator": "round", "arg_1": "#4", "arg_2": "0", "resp": 348 } ], "program": [ "divide(27.99, 100)", "multiply(4800, #0)", "divide(20.74, 100)", "multiply(4800, #2)", "subtract(#1, #3)", "round(#4, 0)" ], "question_tense": "THIRD", "financial_terms": [ "CASH ADVANCE APR", "ROUNDING RULE", "VISA MASTERCARD TERMS", "BANK CASH ADVANCE" ], "credit_card": "Visa_Mastercard_Platinum_Siganture_World_Infinite_English-290260.md" }, { "question": "A client opens a new card and during their first billing cycle they make a purchase of $500. What is the minimum payment due for their first payment?", "ground_truth": "40.00", "output_units": "$", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "1", "arg_2": "100", "resp": 0.01 }, { "operator": "multiply", "arg_1": "500", "arg_2": "#0", "resp": 5 }, { "operator": "max", "arg_1": "40", "arg_2": "#1", "resp": 40 }, { "operator": "add", "arg_1": "#2", "arg_2": "0", "resp": 40 } ], "program": [ "divide(1, 100)", "multiply(500, #0)", "max(40, #1)", "add(#2, 0)" ], "question_tense": "THIRD", "financial_terms": [ "PURCHASE TRANSACTION", "MINIMUM PAYMENT", "BILLING CYCLE", "BILLING-CYCLE INTEREST", "MINIMUM PAYMENT FORMULA", "MAXIMUM SELECTION", "CHASE CARD TERMS", "MINIMUM PAYMENT DUE" ], "credit_card": "Visa Agreement (for in-branch offers).pdf-255597.md" }, { "question": "Suppose the cardholder's PIN is compromised on day 5 of the cycle, and $400 in unauthorized ATM cash is withdrawn before the cardholder call on day 7. At 29.74% APR and a 3% cash advance fee then how much does the cardholder now owe in fees + 2 days' interest?", "ground_truth": "12.65", "output_units": "$", "input_units": { "from_doc": { "%": 2, "month": 0, "day": 1, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 1, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 2, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "400", "arg_2": "0.03", "resp": 12 }, { "operator": "divide", "arg_1": "29.74", "arg_2": "100", "resp": 0.2974 }, { "operator": "divide", "arg_1": "#1", "arg_2": "365", "resp": 0.0008147945 }, { "operator": "multiply", "arg_1": "400", "arg_2": "#2", "resp": 0.3259178 }, { "operator": "multiply", "arg_1": "#3", "arg_2": "2", "resp": 0.6518356 }, { "operator": "add", "arg_1": "#0", "arg_2": "#4", "resp": 12.6518356 } ], "program": [ "multiply(400, 0.03)", "divide(29.74, 100)", "divide(#1, 365)", "multiply(400, #2)", "multiply(#3, 2)", "add(#0, #4)" ], "question_tense": "THIRD", "financial_terms": [ "CASH ADVANCE APR", "CASH ADVANCE FEE", "UNAUTHORIZED TRANSACTION LIABILITY", "ATM CASH ADVANCE", "PIN SECURITY LIABILITY", "365-DAY RATE BASIS" ], "credit_card": "Capital One - Credit Card Agreement for Visa Signature and World Mastercard Cards-255666.md" }, { "question": "A cardholder takes an ATM cash advance of $500 with a 5% fee. If the cardholder saves $12.5 per day, how many days will it take to pay off the fee?", "ground_truth": "2", "output_units": "day", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "5", "arg_2": "0.01", "resp": 0.05 }, { "operator": "multiply", "arg_1": "500", "arg_2": "#0", "resp": 25 }, { "operator": "divide", "arg_1": "#1", "arg_2": "12.5", "resp": 2 } ], "program": [ "multiply(5, 0.01)", "multiply(500, #0)", "divide(#1, 12.5)" ], "question_tense": "THIRD", "financial_terms": [ "CASH ADVANCE FEE", "PAYOFF TIME", "ATM CASH ADVANCE", "BALANCE PAYOFF", "PERCENTAGE-BASED FEE" ], "credit_card": "Blue Cash Everyday Card Cardmember Agreement-255458.md" }, { "question": "A cardholder has reinstated their lost SkyMiles points 8 times so far. Every 2 months, they need to reinstate their points again. Over the next 12 months, how much of their maximum $600 limit will be used up by reinstatement fees, assuming $35 fee per reinstatement and including the past 8 reinstatements? (Round to the nearest percentage)?", "ground_truth": "82", "output_units": "%", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 2, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 2, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "35", "arg_2": "8", "resp": 280 }, { "operator": "divide", "arg_1": "12", "arg_2": "2", "resp": 6.0 }, { "operator": "multiply", "arg_1": "#1", "arg_2": "35", "resp": 210.0 }, { "operator": "add", "arg_1": "#0", "arg_2": "#2", "resp": 490.0 }, { "operator": "divide", "arg_1": "#3", "arg_2": "600", "resp": 0.8166666666666667 }, { "operator": "multiply", "arg_1": "#4", "arg_2": "100", "resp": 81.66666666666667 }, { "operator": "round", "arg_1": "#5", "resp": 82.0 } ], "program": [ "multiply(35, 8)", "divide(12, 2)", "multiply(#1, 35)", "add(#0, #2)", "divide(#3, 600)", "multiply(#4, 100)", "round(#5)" ], "question_tense": "THIRD", "financial_terms": [ "ACCOUNT REOPENING FEE", "ROUNDING RULE", "FIXED DOLLAR FEE" ], "credit_card": "Delta SkyMiles Platinum American Express Card Cardmember Agreement-255454.md" }, { "question": "The cardholder's checking account has a balance of $50.00, and the cardholder has overdraft protection linked to a credit card with a cash advance fee of 5%. the cardholder makes a purchase of $150.00. What percentage of the total transaction amount will be the cash advance fee on a Bank of America World Elite Mastercard?", "ground_truth": "3.33", "output_units": "%", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "subtract", "arg_1": "150", "arg_2": "50", "resp": 100.0 }, { "operator": "divide", "arg_1": "5", "arg_2": "100", "resp": 0.05 }, { "operator": "multiply", "arg_1": "#0", "arg_2": "#1", "resp": 5.0 }, { "operator": "divide", "arg_1": "#2", "arg_2": "150", "resp": 0.03333333333333333 }, { "operator": "multiply", "arg_1": "#3", "arg_2": "100", "resp": 3.3333333333333335 }, { "operator": "round", "arg_1": "#4", "arg_2": "2", "resp": 3.33 } ], "program": [ "subtract(150, 50)", "divide(5, 100)", "multiply(#0, #1)", "divide(#2, 150)", "multiply(#3, 100)", "round(#4, 2)" ], "question_tense": "THIRD", "financial_terms": [ "CASH ADVANCE FEE", "PURCHASE TRANSACTION", "PERCENTAGE CALCULATION", "ROUNDING RULE", "CHASE CARD TERMS", "BANK OF AMERICA CARD TERMS" ], "credit_card": "Mastercard_Elite_English-290256.md" }, { "question": "If a customer is charged per month $60 due to interest with an assumed DPR of 0.0004 and a Daily Balance of $1200, how many days are in the billing cycle?", "ground_truth": "125", "output_units": "day", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "0.0004", "arg_2": "1200", "resp": 0.48 }, { "operator": "divide", "arg_1": "60", "arg_2": "#0", "resp": 125 } ], "program": [ "multiply(0.0004, 1200)", "divide(60, #0)" ], "question_tense": "THIRD", "financial_terms": [ "DAILY PERIODIC RATE", "ACCOUNT BALANCE", "BILLING CYCLE", "PAYOFF TIME", "BILLING-CYCLE INTEREST", "MONTHLY PAYMENT", "DAILY BALANCE" ], "credit_card": "Aer Lingus Visa Signature Agreement.pdf-255602.md" }, { "question": "If I have $100 to spend and I tried to buy something for $100.01, how much would my balance become if there is a returned payment fee of $40?", "ground_truth": "140.01", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "greater", "arg_1": 100.01, "arg_2": 100, "resp": "TRUE" }, { "operator": "if", "arg_1": "#0", "arg_2": 40, "resp": 40 }, { "operator": "add", "arg_1": "#1", "arg_2": 100.01, "resp": 140.01 } ], "program": [ "greater(100.01, 100)", "if(#0, 40)", "add(#1, 100.01)" ], "question_tense": "FIRST", "financial_terms": [ "RETURNED PAYMENT FEE", "ACCOUNT BALANCE", "CONDITIONAL FINANCIAL RULE" ], "credit_card": "Blue Cash Everyday Card Cardmember Agreement-255458.md" }, { "question": "If I can choose to either pay $100 a month or choose to pay 5% of a balance of $4000 every month, which payment is lower in the first month?", "ground_truth": "100.00", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "4000", "arg_2": "0.05", "resp": 200 }, { "operator": "less", "arg_1": "100", "arg_2": "#0", "resp": "TRUE" }, { "operator": "if", "arg_1": "#1", "arg_2": "100", "arg_3": "#0", "resp": 100 } ], "program": [ "multiply(4000, 0.05)", "less(100, #0)", "if(#1, 100, #0)" ], "question_tense": "FIRST", "financial_terms": [ "BALANCE TRANSFER", "ACCOUNT BALANCE", "CONDITIONAL FINANCIAL RULE", "PERCENTAGE-BASED FEE" ], "credit_card": "Capital One - Credit Card Agreement for Visa Signature and World Mastercard Cards-255666.md" }, { "question": "How many days of interest at the Cash Advance APR (29.24%) on $50 advance equals the Cash Advance Fee of $10?", "ground_truth": "250", "output_units": "day", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "29.24", "arg_2": "365", "resp": 0.080109589 }, { "operator": "divide", "arg_1": "#0", "arg_2": "100", "resp": 0.00080109589 }, { "operator": "multiply", "arg_1": "50", "arg_2": "#1", "resp": 0.0400547945 }, { "operator": "divide", "arg_1": "10", "arg_2": "#2", "resp": 249.657823 }, { "operator": "ceil", "arg_1": "#3", "resp": 250.0 } ], "program": [ "divide(29.24, 365)", "divide(#0, 100)", "multiply(50, #1)", "divide(10, #2)", "ceil(#3)" ], "question_tense": "THIRD", "financial_terms": [ "CASH ADVANCE APR", "CASH ADVANCE FEE", "PAYOFF TIME", "ROUND-UP RULE", "365-DAY RATE BASIS" ], "credit_card": "The Private Bank By Invitation Visa Signature® Card Account Agreement-255549.md" }, { "question": "If a billing cycle can be 28, 29, 30, or 31 days depending on month length, how many total days of cycling occur across four consecutive months from January to April in a non-leap year?", "ground_truth": "120", "output_units": "day", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 4, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 1, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 1, "day": 4, "year": 0, "$": 0, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "add", "arg_1": "31", "arg_2": "28", "resp": 59 }, { "operator": "add", "arg_1": "#0", "arg_2": "31", "resp": 90 }, { "operator": "add", "arg_1": "#1", "arg_2": "30", "resp": 120 } ], "program": [ "add(31, 28)", "add(#0, 31)", "add(#1, 30)" ], "question_tense": "THIRD", "financial_terms": [ "BILLING CYCLE", "LEAP YEAR DPR", "ONE-DAY INTEREST", "BILLING-CYCLE INTEREST", "RECURRING PAYMENT VIOLATION" ], "credit_card": "Capital One - Credit Card Agreement for Visa Signature and World Mastercard Cards-255666.md" }, { "question": "A cardholder takes $3,000 cash advance but repays $2,000 after 10 days. If their cash advance APR applies from the transaction date, how much total interest will they owe after 30 days?", "ground_truth": "32.91", "output_units": "$", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 2, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 2, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "24.0243", "arg_2": "100", "resp": 0.240243 }, { "operator": "divide", "arg_1": "#0", "arg_2": "365", "resp": 0.0006582 }, { "operator": "multiply", "arg_1": "3000", "arg_2": "#1", "resp": 1.9746 }, { "operator": "multiply", "arg_1": "#2", "arg_2": "10", "resp": 19.746 }, { "operator": "subtract", "arg_1": "3000", "arg_2": "2000", "resp": 1000 }, { "operator": "multiply", "arg_1": "#4", "arg_2": "#1", "resp": 0.6582 }, { "operator": "multiply", "arg_1": "#5", "arg_2": "20", "resp": 13.164 }, { "operator": "add", "arg_1": "#3", "arg_2": "#6", "resp": 32.91 } ], "program": [ "divide(24.0243, 100)", "divide(#0, 365)", "multiply(3000, #1)", "multiply(#2, 10)", "subtract(3000, 2000)", "multiply(#4, #1)", "multiply(#5, 20)", "add(#3, #6)" ], "question_tense": "THIRD", "financial_terms": [ "DAILY PERIODIC RATE", "CASH ADVANCE APR", "INTEREST ACCRUAL", "THIRTY-DAY INTEREST", "365-DAY RATE BASIS" ], "credit_card": "CitiRewardsStudent_combined.md" }, { "question": "A cardholder has 3 additional cards and is considering adding 4 more. If the annual membership fee for the additional cards is $35 each after the first 5, what is the percentage increase in the total annual membership fee if they add these 4 cards?", "ground_truth": "133.33", "output_units": "%", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 3 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 3 } }, "steps": [ { "operator": "multiply", "arg_1": "3", "arg_2": "35", "resp": 105.0 }, { "operator": "add", "arg_1": "3", "arg_2": "4", "resp": 7.0 }, { "operator": "multiply", "arg_1": "#1", "arg_2": "35", "resp": 245.0 }, { "operator": "subtract", "arg_1": "#2", "arg_2": "#0", "resp": 140.0 }, { "operator": "divide", "arg_1": "#3", "arg_2": "#0", "resp": 1.3333333333333333 }, { "operator": "multiply", "arg_1": "#4", "arg_2": "100", "resp": 133.33333333333334 }, { "operator": "abs", "arg_1": "#5", "resp": 133.33333333333334 }, { "operator": "round", "arg_1": "#6", "arg_2": "2", "resp": 133.33 } ], "program": [ "multiply(3, 35)", "add(3, 4)", "multiply(#1, 35)", "subtract(#2, #0)", "divide(#3, #0)", "multiply(#4, 100)", "abs(#5)", "round(#6, 2)" ], "question_tense": "THIRD", "financial_terms": [ "ANNUAL FEE", "ROUNDING RULE", "ANNUALIZED FEE" ], "credit_card": "American Express Gold Card Cardmember Agreement-255468.md" }, { "question": "If a cardholder files an arbitration claim for $10,000 and receives a ruling in their favor, but the arbitrator awards them only $3,000, which is below the minimum award of $5,000, how much will they actually receive?", "ground_truth": "5000.00", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "less", "arg_1": "3000", "arg_2": "5000", "resp": "TRUE" }, { "operator": "if", "arg_1": "#0", "arg_2": "5000", "arg_3": "3000", "resp": 5000.0 } ], "program": [ "less(3000, 5000)", "if(#0, 5000, 3000)" ], "question_tense": "THIRD", "financial_terms": [ "ARBITRATION AWARD", "ARBITRATION PAYMENT", "CONDITIONAL FINANCIAL RULE" ], "credit_card": "American Express Gold Card Cardmember Agreement-255468.md" }, { "question": "I take out $4,000 cash advance from a financial institution using my credit card, and my total credit limit is $7,000. The Financial Institution Cash Advance Fee is $10 or 5% of the advance amount, whichever is greater. After the fee is applied, what will my new available credit limit be?", "ground_truth": "2800.00", "output_units": "$", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "4000", "arg_2": "0.05", "resp": 200 }, { "operator": "max", "arg_1": "#0", "arg_2": "10", "resp": 200 }, { "operator": "add", "arg_1": "4000", "arg_2": "#1", "resp": 4200 }, { "operator": "subtract", "arg_1": "7000", "arg_2": "#2", "resp": 2800 } ], "program": [ "multiply(4000, 0.05)", "max(#0, 10)", "add(4000, #1)", "subtract(7000, #2)" ], "question_tense": "FIRST", "financial_terms": [ "CASH ADVANCE FEE", "CREDIT LIMIT", "AVAILABLE CREDIT", "MAXIMUM SELECTION", "PERCENTAGE-BASED FEE" ], "credit_card": "US_Bank_Elan_Financial.md" }, { "question": "If a customer has two cash advances, one for $1000 and another for $2500, how much total interest will they pay in 30 days at a DPR of 0.08559%?", "ground_truth": "89.86", "output_units": "$", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 1, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 1, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "add", "arg_1": "1000", "arg_2": "2500", "resp": 3500.0 }, { "operator": "multiply", "arg_1": "#0", "arg_2": "0.0008559", "resp": 2.99565 }, { "operator": "multiply", "arg_1": "#1", "arg_2": "30", "resp": 89.8695 }, { "operator": "round", "arg_1": "#2", "arg_2": "2", "resp": 89.87 } ], "program": [ "add(1000, 2500)", "multiply(#0, 0.0008559)", "multiply(#1, 30)", "round(#2, 2)" ], "question_tense": "THIRD", "financial_terms": [ "DAILY PERIODIC RATE", "CASH ADVANCE APR", "INTEREST ACCRUAL", "THIRTY-DAY INTEREST", "ROUNDING RULE" ], "credit_card": "Credit Card Agreement for Bass Pro Shops CLUB Cards.pdf-255664.md" }, { "question": "Using the Discover Near Prime Card's cash advance fee policy, assume the cardholder takes a cash advance of $1000. The bank applies a monthly service charge of $15 on cash advance balances. If the cardholder does not make any payments for 6 months, how much will the cardholder owe in total assuming zero interest is applied to the cash advance?", "ground_truth": "1140.00", "output_units": "$", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 1, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 1, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": 15, "arg_2": 6, "resp": 90 }, { "operator": "multiply", "arg_1": 1000, "arg_2": 0.05, "resp": 50 }, { "operator": "max", "arg_1": "#1", "arg_2": 10, "resp": 50 }, { "operator": "add", "arg_1": 1000, "arg_2": "#2", "resp": 1050 }, { "operator": "add", "arg_1": "#3", "arg_2": "#0", "resp": 1140 } ], "program": [ "multiply(15, 6)", "multiply(1000, 0.05)", "max(#1, 10)", "add(1000, #2)", "add(#3, #0)" ], "question_tense": "THIRD", "financial_terms": [ "CASH ADVANCE APR", "CASH ADVANCE FEE", "MAXIMUM SELECTION", "DISCOVER CARD TERMS" ], "credit_card": "Discover Near Prime Cardmember Agreement_061824-255535.md" }, { "question": "If the cardholder makes two separate purchases of $10 each after the payment due date, what will the late payment fee be?", "ground_truth": "20.00", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 1 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 1 } }, "steps": [ { "operator": "add", "arg_1": "10", "arg_2": "10", "resp": 20.0 } ], "program": [ "add(10, 10)" ], "question_tense": "THIRD", "financial_terms": [ "PURCHASE TRANSACTION", "LATE PAYMENT FEE", "RETURNED PAYMENT", "PAYMENT DUE DATE", "PAYMENT DUE DATE CALCULATION", "CHASE CARD TERMS" ], "credit_card": "The Private Bank By Invitation Visa Signature® Card Account Agreement-255549.md" }, { "question": "A customer loses their debit card on March 1st but does not notice until April 20th. They report the fraud on April 21st. According to the EFTA, if fraud is reported within 60 days, liability is capped at $500, but after 60 days, liability is unlimited?", "ground_truth": "51", "output_units": "day", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 2, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 2, "year": 0, "$": 0, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "subtract", "arg_1": "111", "arg_2": "60", "resp": 51.0 } ], "program": [ "subtract(111, 60)" ], "question_tense": "THIRD", "financial_terms": [ "UNAUTHORIZED TRANSACTION LIABILITY", "PAYOFF TIME", "FEE CAP", "FRAUD CLAIM" ], "credit_card": "Barclaycard_combined.md" }, { "question": "On $500 purchase and a purchase APR of 11.74%, how much interest will be owed after 6 months?", "ground_truth": "28.54", "output_units": "$", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 1, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 1, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "11.74", "arg_2": "100", "resp": 0.1174 }, { "operator": "divide", "arg_1": "#0", "arg_2": "12", "resp": 0.009783333333333335 }, { "operator": "add", "arg_1": "1", "arg_2": "#1", "resp": 1.0097833333333333 }, { "operator": "exponent", "arg_1": "#2", "arg_2": "6", "resp": 1.057087739 }, { "operator": "multiply", "arg_1": "500", "arg_2": "#3", "resp": 528.5438695 }, { "operator": "subtract", "arg_1": "#4", "arg_2": "500", "resp": 28.5438695 }, { "operator": "round", "arg_1": "#5", "arg_2": "2", "resp": 28.54 } ], "program": [ "divide(11.74, 100)", "divide(#0, 12)", "add(1, #1)", "exponent(#2, 6)", "multiply(500, #3)", "subtract(#4, 500)", "round(#5, 2)" ], "question_tense": "THIRD", "financial_terms": [ "PURCHASE APR", "ROUNDING RULE", "EXPONENTIAL INTEREST CALCULATION", "CHASE CARD TERMS" ], "credit_card": "Visa Agreement (for in-branch offers).pdf-255597.md" }, { "question": "The cardholder has a credit card with a minimum payment due of $50 and a current balance is $150 what percent be the cardholder's late fee on the cardholder's Bank of America World Elite Mastercard?", "ground_truth": "33.33", "output_units": "%", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "50", "arg_2": "150", "resp": 0.3333333333333333 }, { "operator": "multiply", "arg_1": "#0", "arg_2": "100", "resp": 33.333333333333336 }, { "operator": "round", "arg_1": "#1", "arg_2": "2", "resp": 33.33 } ], "program": [ "divide(50, 150)", "multiply(#0, 100)", "round(#1, 2)" ], "question_tense": "THIRD", "financial_terms": [ "LATE PAYMENT FEE", "MINIMUM PAYMENT", "ACCOUNT BALANCE", "MINIMUM FEE RULE", "MINIMUM PAYMENT FORMULA", "CURRENT BALANCE", "ROUNDING RULE", "BANK OF AMERICA CARD TERMS", "MINIMUM PAYMENT DUE" ], "credit_card": "Mastercard_Elite_English-290256.md" }, { "question": "If a customer has an overall balance of $2,000 and transfers $300 to their friend during the cycle, what percentage of their total balance will the balance transfer fee be?", "ground_truth": "0.75", "output_units": "%", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "5", "arg_2": "100", "resp": 0.05 }, { "operator": "multiply", "arg_1": "300", "arg_2": "#0", "resp": 15 }, { "operator": "max", "arg_1": "#1", "arg_2": "5", "resp": 15 }, { "operator": "multiply", "arg_1": "#2", "arg_2": "100", "resp": 1500 }, { "operator": "divide", "arg_1": "#3", "arg_2": "2000", "resp": 0.75 } ], "program": [ "divide(5, 100)", "multiply(300, #0)", "max(#1, 5)", "multiply(#2, 100)", "divide(#3, 2000)" ], "question_tense": "THIRD", "financial_terms": [ "BALANCE TRANSFER FEE", "ACCOUNT BALANCE", "PERCENTAGE CALCULATION", "TOTAL BALANCE", "MAXIMUM SELECTION" ], "credit_card": "Aer Lingus Visa Signature Agreement.pdf-255602.md" }, { "question": "A credit card issuer has a dynamic fee system. If a customer writes more than 6 convenience checks per year, they get charged a flat fee of $8 per check. Asssuming a customer has written 7 checks already, how much will they have paid in convenience check advance fee if they write another check?", "ground_truth": "16.00", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 1 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 1 } }, "steps": [ { "operator": "add", "arg_1": "7", "arg_2": "1", "resp": 8 }, { "operator": "subtract", "arg_1": "#0", "arg_2": "6", "resp": 2 }, { "operator": "multiply", "arg_1": "8", "arg_2": "#1", "resp": 16 }, { "operator": "round", "arg_1": "#2", "arg_2": "2", "resp": 16.0 } ], "program": [ "add(7, 1)", "subtract(#0, 6)", "multiply(8, #1)", "round(#2, 2)" ], "question_tense": "THIRD", "financial_terms": [ "CONVENIENCE CHECK", "CHECK CASH ADVANCE", "ROUNDING RULE", "ANNUALIZED FEE" ], "credit_card": "US_Bank_Personal_LOC.md" }, { "question": "If a cardholder's Prime Rate is 14.76%, and their APR for Purchases is Prime + 5.24% to 29.99% (limit between 13.74% to 29.99%), how many years have passed after they had an account balance of $1000 and charged $800 in interest?", "ground_truth": "4", "output_units": "year", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "add", "arg_1": "14.76", "arg_2": "5.24", "resp": 20.0 }, { "operator": "divide", "arg_1": "#0", "arg_2": "100", "resp": 0.2 }, { "operator": "multiply", "arg_1": "1000", "arg_2": "#1", "resp": 200.0 }, { "operator": "divide", "arg_1": "800", "arg_2": "#2", "resp": 4.0 } ], "program": [ "add(14.76, 5.24)", "divide(#0, 100)", "multiply(1000, #1)", "divide(800, #2)" ], "question_tense": "THIRD", "financial_terms": [ "PRIME RATE", "PURCHASE APR", "ACCOUNT BALANCE", "PRIME-INDEXED APR", "CHASE CARD TERMS" ], "credit_card": "American Express Gold Card Cardmember Agreement-255468.md" }, { "question": "If the cardholder transfers a balance of $5,000 with a 5% balance transfer fee applied and an APR of 18.24%, how much will the cardholder owe in total after one full billing cycle (assuming a 30-day cycle and no payments made)?", "ground_truth": "276.00", "output_units": "$", "input_units": { "from_doc": { "%": 2, "month": 1, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 1, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "18.24", "arg_2": "12", "resp": 1.52 }, { "operator": "divide", "arg_1": "#0", "arg_2": "100", "resp": 0.0152 }, { "operator": "multiply", "arg_1": "5000", "arg_2": "#1", "resp": 76 }, { "operator": "divide", "arg_1": "4", "arg_2": "100", "resp": 0.04 }, { "operator": "multiply", "arg_1": "5000", "arg_2": "#3", "resp": 200 }, { "operator": "add", "arg_1": "#2", "arg_2": "#4", "resp": 276 } ], "program": [ "divide(18.24, 12)", "divide(#0, 100)", "multiply(5000, #1)", "divide(4, 100)", "multiply(5000, #3)", "add(#2, #4)" ], "question_tense": "THIRD", "financial_terms": [ "BALANCE TRANSFER APR", "BALANCE TRANSFER FEE", "ACCOUNT BALANCE", "BILLING CYCLE", "BILLING-CYCLE INTEREST", "NO-PAYMENT SCENARIO" ], "credit_card": "Capital One - Credit Card Agreement for Visa Signature and World Mastercard Cards-255666.md" }, { "question": "A credit card issuer charges greater of 10$ or 2% when transferring a balance over their card. If a customer transfers $1,250, how much will they be charged?", "ground_truth": "25.00", "output_units": "$", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "1250", "arg_2": "0.02", "resp": 25 }, { "operator": "max", "arg_1": "#0", "arg_2": "10", "resp": 25 } ], "program": [ "multiply(1250, 0.02)", "max(#0, 10)" ], "question_tense": "THIRD", "financial_terms": [ "BALANCE TRANSFER", "ACCOUNT BALANCE", "MINIMUM MAXIMUM FEE RULE", "GREATER-OF FEE RULE", "MAXIMUM SELECTION" ], "credit_card": "US_Bank_Personal_LOC.md" }, { "question": "If making a single purchase a day, how many days will it take to be charged at least 48% in foreign transaction fees?", "ground_truth": "16", "output_units": "day", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "0.48", "arg_2": "0.03", "resp": 16.0 } ], "program": [ "divide(0.48, 0.03)" ], "question_tense": "THIRD", "financial_terms": [ "PURCHASE TRANSACTION", "FOREIGN TRANSACTION FEE", "PAYOFF TIME", "TRANSACTION FEE CALCULATION", "CHASE CARD TERMS" ], "credit_card": "US_Bank_Visa_Signature_and_World_Mastercard_Accounts.md" }, { "question": "A customer transfers $7,000 to a new card with a 19.99% APR and a 2% balance transfer fee. After making $2000 payment, what is the remaining balance after one month?", "ground_truth": "5259.00", "output_units": "$", "input_units": { "from_doc": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 1, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 1, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "7000", "arg_2": "0.02", "resp": 140.0 }, { "operator": "add", "arg_1": "7000", "arg_2": "#0", "resp": 7140.0 }, { "operator": "divide", "arg_1": "0.1999", "arg_2": "12", "resp": 0.0166583333 }, { "operator": "multiply", "arg_1": "#1", "arg_2": "#2", "resp": 118.9404999762 }, { "operator": "add", "arg_1": "#1", "arg_2": "#3", "resp": 7258.9404999762 }, { "operator": "subtract", "arg_1": "#4", "arg_2": "2000", "resp": 5258.9404999762 }, { "operator": "round", "arg_1": "#5", "arg_2": "2", "resp": 5258.94 } ], "program": [ "multiply(7000, 0.02)", "add(7000, #0)", "divide(0.1999, 12)", "multiply(#1, #2)", "add(#1, #3)", "subtract(#4, 2000)", "round(#5, 2)" ], "question_tense": "THIRD", "financial_terms": [ "CASH ADVANCE APR", "CASH ADVANCE FEE", "BALANCE TRANSFER APR", "BALANCE TRANSFER FEE", "ACCOUNT BALANCE", "REMAINING BALANCE", "ROUNDING RULE" ], "credit_card": "Delta SkyMiles Platinum American Express Card Cardmember Agreement-255454.md" }, { "question": "A customer makes $1500 purchase in Europe. The foreign transaction fee is 2%, and the exchange rate is 1 EUR = 1.10 USD. How much will be charged in total in USD?", "ground_truth": "1683.00", "output_units": "$", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "1500", "arg_2": "1.10", "resp": 1650.0 }, { "operator": "multiply", "arg_1": "#0", "arg_2": "0.02", "resp": 33.0 }, { "operator": "add", "arg_1": "#0", "arg_2": "#1", "resp": 1683.0 } ], "program": [ "multiply(1500, 1.10)", "multiply(#0, 0.02)", "add(#0, #1)" ], "question_tense": "THIRD", "financial_terms": [ "PURCHASE TRANSACTION", "FOREIGN TRANSACTION FEE", "CURRENCY CONVERSION", "EXCHANGE RATE CONVERSION", "TRANSACTION FEE CALCULATION", "CHASE CARD TERMS" ], "credit_card": "Visa_Mastercard_Secured_English-290258.md" }, { "question": "A cardholder's balance is $2,500, and their minimum payment due is calculated as 1% of the balance + any past due amount. If they have a past due amount of $50, what is their minimum payment due?", "ground_truth": "75.00", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "2500", "arg_2": "0.01", "resp": 25 }, { "operator": "add", "arg_1": "#0", "arg_2": "50", "resp": 75 } ], "program": [ "multiply(2500, 0.01)", "add(#0, 50)" ], "question_tense": "THIRD", "financial_terms": [ "MINIMUM PAYMENT", "ACCOUNT BALANCE", "MINIMUM PAYMENT FORMULA", "PAST DUE AMOUNT", "PERCENTAGE-BASED FEE", "MINIMUM PAYMENT DUE", "PAST-DUE BALANCE" ], "credit_card": "CitiRewardsStudent_combined.md" }, { "question": "If I miss a payment that had a balance of $235, how much would my balance reach if there is a late payment fee of $45? Assume I will pay off the balance immediately so no interest will be applied, just the old balance and the new late payment fee?", "ground_truth": "280.00", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "add", "arg_1": "235", "arg_2": "45", "resp": 280 } ], "program": [ "add(235, 45)" ], "question_tense": "FIRST", "financial_terms": [ "LATE PAYMENT FEE", "ACCOUNT BALANCE", "PAYOFF TIME", "BALANCE PAYOFF" ], "credit_card": "Wells Fargo Autograph Journey Visa® Card Agreement-442574.md" }, { "question": "How much interest will be charged if I have a citi flex balance of $100, there are 20 days left in the billing period, my citi flex APR is 22% and I have 5 scheduled payments to make?", "ground_truth": "5.10", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 0, "day": 1, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 1, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "22", "arg_2": "100", "resp": 0.22 }, { "operator": "divide", "arg_1": "#0", "arg_2": "365", "resp": 0.0006027397260273973 }, { "operator": "multiply", "arg_1": "100", "arg_2": "#1", "resp": 0.06027397260273973 }, { "operator": "multiply", "arg_1": "#2", "arg_2": "20", "resp": 1.2054794520547945 }, { "operator": "multiply", "arg_1": "#3", "arg_2": "5", "resp": 6.027397260273972 }, { "operator": "multiply", "arg_1": "#4", "arg_2": "0.846", "resp": 5.09917808219178 }, { "operator": "round", "arg_1": "#5", "arg_2": "2", "resp": 5.1 } ], "program": [ "divide(22, 100)", "divide(#0, 365)", "multiply(100, #1)", "multiply(#2, 20)", "multiply(#3, 5)", "multiply(#4, 0.846)", "round(#5, 2)" ], "question_tense": "FIRST", "financial_terms": [ "ACCOUNT BALANCE", "CITI FLEX APR", "ROUNDING RULE", "365-DAY RATE BASIS", "CITI CARD TERMS" ], "credit_card": "CitiStrataPremier.md" }, { "question": "Discover Journey is able to decide the credit limits for its holders. Suppose they implement a policy where a holder's credit line is based on a multiple of 6.5x their credit score. What would holder A's credit line be with a credit score of 685?", "ground_truth": "4453.00", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 1 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 1 } }, "steps": [ { "operator": "multiply", "arg_1": 6.5, "arg_2": 685, "resp": 4452.5 }, { "operator": "round", "arg_1": "#0", "arg_2": 0, "resp": 4453 } ], "program": [ "multiply(6.5, 685)", "round(#0, 0)" ], "question_tense": "THIRD", "financial_terms": [ "CREDIT LIMIT", "CREDIT TIER", "CREDIT-SCORE APR TIER", "CREDIT LINE", "ROUNDING RULE", "DISCOVER CARD TERMS" ], "credit_card": "Wells Fargo Autograph Journey Visa® Card Agreement-442574.md" }, { "question": "A card holder spends $1500 a year in purchases. Given a yearly APR of 15%, how much will the card holder owe in 30 days if the fees are not compounded?", "ground_truth": "18.49", "output_units": "$", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 1, "year": 1, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 1, "year": 1, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "0.15", "arg_2": "365", "resp": 0.0004109589041 }, { "operator": "multiply", "arg_1": "#0", "arg_2": "1500", "resp": 0.61643835615 }, { "operator": "multiply", "arg_1": "#1", "arg_2": "30", "resp": 18.4931506845 }, { "operator": "round", "arg_1": "#2", "arg_2": "2", "resp": 18.49 } ], "program": [ "divide(0.15, 365)", "multiply(#0, 1500)", "multiply(#1, 30)", "round(#2, 2)" ], "question_tense": "THIRD", "financial_terms": [ "PURCHASE APR", "THIRTY-DAY INTEREST", "ROUNDING RULE", "365-DAY RATE BASIS", "CHASE CARD TERMS" ], "credit_card": "Delta SkyMiles Platinum American Express Card Cardmember Agreement-255454.md" }, { "question": "If a customer increases their balance from $2500 to $6000, how much does the minimum payment increase?", "ground_truth": "35.00", "output_units": "$", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "2500", "arg_2": "0.01", "resp": 25.0 }, { "operator": "max", "arg_1": "#0", "arg_2": "25", "resp": 25.0 }, { "operator": "multiply", "arg_1": "6000", "arg_2": "0.01", "resp": 60.0 }, { "operator": "max", "arg_1": "#2", "arg_2": "25", "resp": 60.0 }, { "operator": "subtract", "arg_1": "#3", "arg_2": "#1", "resp": 35.0 } ], "program": [ "multiply(2500, 0.01)", "max(#0, 25)", "multiply(6000, 0.01)", "max(#2, 25)", "subtract(#3, #1)" ], "question_tense": "THIRD", "financial_terms": [ "MINIMUM PAYMENT", "ACCOUNT BALANCE", "MINIMUM PAYMENT FORMULA", "MAXIMUM SELECTION" ], "credit_card": "Credit Card Agreement for Bass Pro Shops CLUB Cards.pdf-255664.md" }, { "question": "What’s the Minimum Payment for $2000 balance, $20 interest, $10 fees over 31 days?", "ground_truth": "50.00", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 1, "year": 0, "$": 3, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 1, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "2000", "arg_2": "0.01", "resp": 20.0 }, { "operator": "add", "arg_1": "#0", "arg_2": "20", "arg_3": "10", "resp": 50.0 }, { "operator": "max", "arg_1": "#1", "arg_2": "25", "resp": 50.0 } ], "program": [ "multiply(2000, 0.01)", "add(#0, 20, 10)", "max(#1, 25)" ], "question_tense": "THIRD", "financial_terms": [ "MINIMUM PAYMENT", "ACCOUNT BALANCE", "MINIMUM FEE RULE", "ONE-DAY INTEREST", "MINIMUM PAYMENT FORMULA", "MAXIMUM SELECTION", "FIXED DOLLAR FEE" ], "credit_card": "The Private Bank By Invitation Visa Signature® Card Account Agreement-255549.md" }, { "question": "If the cardholder takes two separate cash advances of $100 and $300, what is the total amount of cash advance fees charged?", "ground_truth": "25.00", "output_units": "$", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 3, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "5", "arg_2": "100", "resp": 0.05 }, { "operator": "multiply", "arg_1": "100", "arg_2": "#0", "resp": 5.0 }, { "operator": "multiply", "arg_1": "300", "arg_2": "#0", "resp": 15.0 }, { "operator": "max", "arg_1": "#1", "arg_2": "10", "resp": 10.0 }, { "operator": "max", "arg_1": "#2", "arg_2": "10", "resp": 15.0 }, { "operator": "add", "arg_1": "#3", "arg_2": "#4", "resp": 25.0 }, { "operator": "round", "arg_1": "#5", "arg_2": "2", "resp": 25.0 } ], "program": [ "divide(5, 100)", "multiply(100, #0)", "multiply(300, #0)", "max(#1, 10)", "max(#2, 10)", "add(#3, #4)", "round(#5, 2)" ], "question_tense": "THIRD", "financial_terms": [ "CASH ADVANCE FEE", "ROUNDING RULE", "MAXIMUM SELECTION" ], "credit_card": "American Express Gold Card Cardmember Agreement-255468.md" }, { "question": "A customer has $15 late payment fee. After missing 3 payments for 3 months, what percentage of the maximum late fee will be reached? Assume the maximum late fee is $20 and interest accrues over every missed payment?", "ground_truth": "100", "output_units": "%", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 1, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 1, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "15", "arg_2": "3", "resp": 45 }, { "operator": "min", "arg_1": "#0", "arg_2": "40", "resp": 40 }, { "operator": "divide", "arg_1": "#1", "arg_2": "40", "resp": 1 }, { "operator": "multiply", "arg_1": "#2", "arg_2": "100", "resp": 100 } ], "program": [ "multiply(15, 3)", "min(#0, 40)", "divide(#1, 40)", "multiply(#2, 100)" ], "question_tense": "THIRD", "financial_terms": [ "LATE PAYMENT FEE", "INTEREST ACCRUAL", "PERCENTAGE CALCULATION", "MINIMUM SELECTION" ], "credit_card": "Aer Lingus Visa Signature Agreement.pdf-255602.md" }, { "question": "If the cardholder spends $150 on a Foreign Transaction with an exchange rate of 1.5, how much more does the cardholder pays compared to a U.S. transaction?", "ground_truth": "75.00", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "150", "arg_2": "1.5", "resp": 225.0 }, { "operator": "subtract", "arg_1": "#0", "arg_2": "150", "resp": 75.0 } ], "program": [ "multiply(150, 1.5)", "subtract(#0, 150)" ], "question_tense": "THIRD", "financial_terms": [ "FOREIGN TRANSACTION", "CURRENCY CONVERSION", "EXCHANGE RATE CONVERSION", "EXCHANGE RATE MARKUP" ], "credit_card": "The Private Bank By Invitation Visa Signature® Card Account Agreement-255549.md" }, { "question": "Suppose I want to buy $500-watch using 24-month major purchase plan. Assuming I pay the minimum amount to complete the cost in 24 months along with the interest accumulated for that month, how much do I end up paying in interest? The APR is 12% for the 24 month plan?", "ground_truth": "62.50", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 1, "month": 1, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 1, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "add", "arg_1": "24", "arg_2": "1", "resp": 25 }, { "operator": "divide", "arg_1": "#0", "arg_2": "2", "resp": 12.5 }, { "operator": "divide", "arg_1": "12", "arg_2": "12", "resp": 1 }, { "operator": "divide", "arg_1": "#2", "arg_2": "100", "resp": 0.01 }, { "operator": "multiply", "arg_1": "#1", "arg_2": "#3", "resp": 0.125 }, { "operator": "multiply", "arg_1": "500", "arg_2": "#4", "resp": 62.5 } ], "program": [ "add(24, 1)", "divide(#0, 2)", "divide(12, 12)", "divide(#2, 100)", "multiply(#1, #3)", "multiply(500, #4)" ], "question_tense": "THIRD", "financial_terms": [ "PURCHASE APR", "PAYMENT PLAN", "INTEREST ACCRUAL", "CHASE CARD TERMS" ], "credit_card": "Barclaycard_combined.md" }, { "question": "A cardholder takes an ATM cash advance of $500 with a 5% fee. If the cardholder saves $5 per day, how many days will it take to pay off the fee?", "ground_truth": "5", "output_units": "day", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": 500, "arg_2": 0.05, "resp": 25 }, { "operator": "divide", "arg_1": "#0", "arg_2": 5, "resp": 5 } ], "program": [ "multiply(500, 0.05)", "divide(#0, 5)" ], "question_tense": "THIRD", "financial_terms": [ "CASH ADVANCE FEE", "PAYOFF TIME", "ATM CASH ADVANCE", "BALANCE PAYOFF", "PERCENTAGE-BASED FEE" ], "credit_card": "Discover Near Prime Cardmember Agreement_061824-255535.md" }, { "question": "There are two families. The first family has 8 members, and the second family has 5 members. Both families are using a Delta SkyMiles membership, which has an annual fee of $350 per person. After 5 years of using the membership, by what percentage will the first family have paid more than the second family?", "ground_truth": "60", "output_units": "%", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 1, "$": 0, "binary": 0, "categorical": 2 }, "total": { "%": 0, "month": 0, "day": 0, "year": 1, "$": 1, "binary": 0, "categorical": 2 } }, "steps": [ { "operator": "multiply", "arg_1": "8", "arg_2": "350", "resp": 2800 }, { "operator": "multiply", "arg_1": "#0", "arg_2": "5", "resp": 14000 }, { "operator": "multiply", "arg_1": "5", "arg_2": "350", "resp": 1750 }, { "operator": "multiply", "arg_1": "#2", "arg_2": "5", "resp": 8750 }, { "operator": "divide", "arg_1": "#1", "arg_2": "#3", "resp": 1.6 }, { "operator": "subtract", "arg_1": "#4", "arg_2": "1", "resp": 0.6 }, { "operator": "multiply", "arg_1": "#5", "arg_2": "100", "resp": 60 } ], "program": [ "multiply(8, 350)", "multiply(#0, 5)", "multiply(5, 350)", "multiply(#2, 5)", "divide(#1, #3)", "subtract(#4, 1)", "multiply(#5, 100)" ], "question_tense": "THIRD", "financial_terms": [ "ANNUAL FEE", "PERCENTAGE CALCULATION", "ANNUALIZED FEE" ], "credit_card": "Delta SkyMiles Platinum American Express Card Cardmember Agreement-255454.md" }, { "question": "A cardholder takes an ATM cash advance of $500 with a 5% fee. If the cardholder saves $12.5 per day, how many days will it take to pay off the fee?", "ground_truth": "2", "output_units": "day", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "500", "arg_2": "0.05", "resp": 25 }, { "operator": "divide", "arg_1": "#0", "arg_2": "12.5", "resp": 2 } ], "program": [ "multiply(500, 0.05)", "divide(#0, 12.5)" ], "question_tense": "THIRD", "financial_terms": [ "CASH ADVANCE FEE", "PAYOFF TIME", "ATM CASH ADVANCE", "BALANCE PAYOFF", "PERCENTAGE-BASED FEE" ], "credit_card": "Visa_Mastercard_Platinum_Siganture_World_Infinite_English-290260.md" }, { "question": "I take out $5,000 cash advance with a DPR for Cash Advances of 0.0801096%, and I do not make any payments for 45 days. How much interest will accrue on my balance?", "ground_truth": "180.25", "output_units": "$", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 1, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 1, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "0.0801096", "arg_2": "100", "resp": 0.000801096 }, { "operator": "multiply", "arg_1": "#0", "arg_2": "45", "resp": 0.03604932 }, { "operator": "add", "arg_1": "1", "arg_2": "#1", "resp": 1.03604932 }, { "operator": "multiply", "arg_1": "5000", "arg_2": "#2", "resp": 5180.2466 }, { "operator": "subtract", "arg_1": "#3", "arg_2": "5000", "resp": 180.24659999999977 }, { "operator": "round", "arg_1": "#4", "arg_2": "2", "resp": 180.25 } ], "program": [ "divide(0.0801096, 100)", "multiply(#0, 45)", "add(1, #1)", "multiply(5000, #2)", "subtract(#3, 5000)", "round(#4, 2)" ], "question_tense": "FIRST", "financial_terms": [ "DAILY PERIODIC RATE", "CASH ADVANCE APR", "ACCOUNT BALANCE", "ROUNDING RULE" ], "credit_card": "US_Bank_Elan_Financial.md" }, { "question": "How many days does it take a 500 balance at 29.24 APR to accrue 10 in interest?", "ground_truth": "25", "output_units": "day", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "29.24", "arg_2": "365", "resp": 0.08010958904109589 }, { "operator": "divide", "arg_1": "#0", "arg_2": "100", "resp": 0.0008010958904109589 }, { "operator": "multiply", "arg_1": "500", "arg_2": "#1", "resp": 0.4005479452054794 }, { "operator": "divide", "arg_1": "10", "arg_2": "#2", "resp": 24.965800273597814 }, { "operator": "ceil", "arg_1": "#3", "resp": 25 } ], "program": [ "divide(29.24, 365)", "divide(#0, 100)", "multiply(500, #1)", "divide(10, #2)", "ceil(#3)" ], "question_tense": "THIRD", "financial_terms": [ "ACCOUNT BALANCE", "PAYOFF TIME", "ROUND-UP RULE", "365-DAY RATE BASIS" ], "credit_card": "The Private Bank By Invitation Visa Signature® Card Account Agreement-255549.md" }, { "question": "If a cardholder makes $1,800 purchase at 20% APR and makes no payments for 4 months, how much simple interest accrues?", "ground_truth": "120.00", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 1, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 1, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "1800", "arg_2": "0.2", "resp": 360 }, { "operator": "divide", "arg_1": "#0", "arg_2": "12", "resp": 30 }, { "operator": "multiply", "arg_1": "#1", "arg_2": "4", "resp": 120 } ], "program": [ "multiply(1800, 0.2)", "divide(#0, 12)", "multiply(#1, 4)" ], "question_tense": "THIRD", "financial_terms": [ "PROMOTIONAL APR", "PURCHASE APR", "SIMPLE INTEREST", "INTEREST ACCRUAL", "SIMPLE INTEREST CALCULATION", "CHASE CARD TERMS", "NO-PAYMENT SCENARIO", "ZERO PERCENT PROMOTIONAL APR" ], "credit_card": "Blue Cash Everyday Card Cardmember Agreement-255458.md" }, { "question": "A cardholder’s minimum payment is $35. If policy says “the lesser of $40 or the min payment,” which fee is charged?", "ground_truth": "35.00", "output_units": "$", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "min", "arg_1": "40", "arg_2": "35", "resp": 35.0 } ], "program": [ "min(40, 35)" ], "question_tense": "THIRD", "financial_terms": [ "LATE PAYMENT FEE", "MINIMUM PAYMENT", "MINIMUM FEE RULE", "LESSER-OF FEE RULE", "MINIMUM PAYMENT FORMULA", "MINIMUM SELECTION" ], "credit_card": "American Express Gold Card Cardmember Agreement-255468.md" }, { "question": "Let's say in the very first month we compound a 25% APR on a balance of $2000 then how much interest is accrued?", "ground_truth": "42.00", "output_units": "$", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "25", "arg_2": "12", "resp": 2.08333333333 }, { "operator": "divide", "arg_1": "#0", "arg_2": "100", "resp": 0.02083333333 }, { "operator": "multiply", "arg_1": "2000", "arg_2": "#1", "resp": 41.66666666 }, { "operator": "add", "arg_1": "#2", "arg_2": "0.5", "resp": 42.16666666 }, { "operator": "floor", "arg_1": "#3", "resp": 42 } ], "program": [ "divide(25, 12)", "divide(#0, 100)", "multiply(2000, #1)", "add(#2, 0.5)", "floor(#3)" ], "question_tense": "THIRD", "financial_terms": [ "BALANCE TRANSFER APR", "ACCOUNT BALANCE", "ROUND-DOWN RULE" ], "credit_card": "Capital One - Credit Card Agreement for Visa Signature and World Mastercard Cards-255666.md" }, { "question": "A cardholder takes $1,800 cash advance. If the interest on cash advances is compounded daily, how much will they owe in interest after 15 days?", "ground_truth": "22.65", "output_units": "$", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 1, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 1, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "0.08389", "arg_2": "100", "resp": 0.0008389000000000001 }, { "operator": "multiply", "arg_1": "1800", "arg_2": "#0", "resp": 1.5100200000000001 }, { "operator": "multiply", "arg_1": "#1", "arg_2": "15", "resp": 22.6503 } ], "program": [ "divide(0.08389, 100)", "multiply(1800, #0)", "multiply(#1, 15)" ], "question_tense": "THIRD", "financial_terms": [ "DAILY PERIODIC RATE", "CASH ADVANCE APR", "DAILY COMPOUNDING", "DAILY COMPOUNDING INTEREST", "INTEREST OWED" ], "credit_card": "CitiRewardsStudent_combined.md" }, { "question": "A customer wants to spend enough to exceed the base minimum payment in dollar amount. Assuming he is buying 1 gaming console per day that costs $500, how many days will it take to reach that threshhold?", "ground_truth": "10", "output_units": "day", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "1", "arg_2": "0.01", "resp": 100 }, { "operator": "multiply", "arg_1": "#0", "arg_2": "50", "resp": 5000 }, { "operator": "divide", "arg_1": "#1", "arg_2": "500", "resp": 10 } ], "program": [ "divide(1, 0.01)", "multiply(#0, 50)", "divide(#1, 500)" ], "question_tense": "THIRD", "financial_terms": [ "MINIMUM PAYMENT", "PAYOFF TIME", "MINIMUM PAYMENT FORMULA" ], "credit_card": "US_Bank_Personal_LOC.md" }, { "question": "John has a balance of $0. Each day, he takes $1000 in cash from his credit card. How much will he owe in cash advance fees after 2 days?", "ground_truth": "100.00", "output_units": "$", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 1, "year": 0, "$": 2, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 0, "day": 1, "year": 0, "$": 2, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "multiply", "arg_1": "1000", "arg_2": "0.05", "resp": 50 }, { "operator": "max", "arg_1": "#0", "arg_2": "10", "resp": 50 }, { "operator": "multiply", "arg_1": "#1", "arg_2": "2", "resp": 100 } ], "program": [ "multiply(1000, 0.05)", "max(#0, 10)", "multiply(#1, 2)" ], "question_tense": "THIRD", "financial_terms": [ "CASH ADVANCE FEE", "CASH ADVANCE", "MAXIMUM SELECTION" ], "credit_card": "Discover Prime Cardmember Agreement_061824-255536.md" }, { "question": "A balance transfer has a 3% promotional APR for 6 months. On $3,000 transfer, how much interest will accrue?", "ground_truth": "45.00", "output_units": "$", "input_units": { "from_doc": { "%": 1, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 1, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 }, "total": { "%": 1, "month": 1, "day": 0, "year": 0, "$": 1, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "divide", "arg_1": "3", "arg_2": "100", "resp": 0.03 }, { "operator": "divide", "arg_1": "#0", "arg_2": "12", "resp": 0.0025 }, { "operator": "multiply", "arg_1": "3000", "arg_2": "#1", "resp": 7.5 }, { "operator": "multiply", "arg_1": "#2", "arg_2": "6", "resp": 45.0 } ], "program": [ "divide(3, 100)", "divide(#0, 12)", "multiply(3000, #1)", "multiply(#2, 6)" ], "question_tense": "THIRD", "financial_terms": [ "PROMOTIONAL APR", "BALANCE TRANSFER" ], "credit_card": "Wells Fargo Health Advantage Private Label-255546.md" }, { "question": "If the Prime Rate is 9.50% and the margin is 18.74%, what is the APR for purchases?", "ground_truth": "28.24", "output_units": "%", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 2, "month": 0, "day": 0, "year": 0, "$": 0, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "add", "arg_1": "9.50", "arg_2": "18.74", "resp": 28.24 } ], "program": [ "add(9.50, 18.74)" ], "question_tense": "THIRD", "financial_terms": [ "PURCHASE APR", "PRIME RATE", "PURCHASE TRANSACTION" ], "credit_card": "Discover Secured Cardmember Agreement_061824-255534.md" }, { "question": "If a customer delays payment from 25 days to 35 days, by how many days did they extend their grace period?", "ground_truth": "10", "output_units": "day", "input_units": { "from_doc": { "%": 0, "month": 0, "day": 1, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "from_user": { "%": 0, "month": 0, "day": 1, "year": 0, "$": 0, "binary": 0, "categorical": 0 }, "total": { "%": 0, "month": 0, "day": 2, "year": 0, "$": 0, "binary": 0, "categorical": 0 } }, "steps": [ { "operator": "subtract", "arg_1": "35", "arg_2": "25", "resp": 10 } ], "program": [ "subtract(35, 25)" ], "question_tense": "THIRD", "financial_terms": [ "GRACE PERIOD", "PAYOFF TIME" ], "credit_card": "Credit Card Agreement for Bass Pro Shops CLUB Cards.pdf-255664.md" } ]