P2P Lending / NFT Lending Forum

Unfortunately, Dropbox has made a system update recently that has disabled sharing of files (URLs of the past no longer work  because of different address).  This has disabled the ability to automatically update PLS (as well as a couple of other verification checks).  Fortunately, there has not been any updates to PLS recently and you are likely on the latest version.  You can always download the latest from peerlendingserver.com if not. 

BTW, I have been working on a newer system with the help of another benevolent user to create the next release.  We are doing this in our spare time and will likely take a while to finish.  We will let everyone know when the next version is to be released.

SL

Close, but NAs are used for missing values.  Here is the code:

is.na(mthsSinceLastDelinq)

HTH, SL

Sorry for the delay in responding, I have been traveling this past week.  I am just now taking a look and looks like I am having the same problem.  I noticed that other folks on LA forums are saying that there hasn't been any new notes listed recently?.?.  This would cause the issue of PLS reaching the 300 attempts and not detecting new notes list because it has a minimum new note count of 15 threshold (hard coded) which indicates that new notes are listed.  In other words, PLS will continually poll LC until it finds a note count of 15+ new notes (from current note count) which indicates that the new batch is available.  The reason this is in place is that LC continually adds/removes notes and PLS needs a way to know when new notes have been added (can't rely on timing and there is no field via their API that indicates when new notes have been added).  Therefore, an increase of 15 or more notes indicates new list and PLS will start.  Since no notes or a few have been added, new loan list never gets detected. 

As for the API invalid response, PLS does 3 verifications on the payload of the API response:

* Length of JSON string must be greater than 0 (loan data must be present)
* JSON string must contain a valid field.  PLS looks for "pubRec" in header (arbitrarily chosen) to make sure that it contains information relating to loan data (full verification of all fields would take too long)
* Conversion from JSON to table records must complete successfully

In the past, I have seen payload be empty/missing.  Likely that these errors were due to some technical issue on LC side since no code has changed on PLS.  I don't see the invalid API error in most recent run of PLS but rather the issue of no note list detection.

I am also curious as to why other 3rd party software sites have not reported this API issue (on forum).  Anyone reading this use a 3rd party site and seen this behavior?  Do they log/post the API responses to their users or hide technical issues?  I would assume they are experiencing the same problem as we all connect via the same API.

I will keep an eye on this issue tomorrow and post any new findings. 

SL

Thanks for the heads up.  I am not sure what is going on.  It looks like LC API is not sending back a valid API response. I just ran a quick test of their API manually and the payload is empty:

[1] "{"asOfDate":"2016-03-09T17:12:33.794-08:00"}"
[1] "{"asOfDate":"2016-03-09T17:12:34.898-08:00"}"
[1] "{"asOfDate":"2016-03-09T17:12:36.114-08:00"}"
[1] "{"asOfDate":"2016-03-09T17:12:36.832-08:00"}"
[1] "{"asOfDate":"2016-03-09T17:12:37.915-08:00"}"
[1] "{"asOfDate":"2016-03-09T17:12:38.874-08:00"}"
[1] "{"asOfDate":"2016-03-09T17:12:39.835-08:00"}"
[1] "{"asOfDate":"2016-03-09T17:12:40.873-08:00"}"

Each of the above JSON API responses should have loan data included in the response.  PLS does basic data integrity checks to make sure the API response is valid.  Obviously, the response doesn't contain any loan data so it flags as an invalid response.  I am not sure when it started but hopefully LC resolves.  Unfortunately, I am traveling at the moment and can't have a deeper look.   

Thanks for the feedback.  I am working on an updated version in my free time.  It will have updated historical data. The new version should have a single loan historical browser where it will show the ROI calculations.  There are more features that will be included as well but hard to find the time recently. 

I will also try to add a check box for the inclusion of NA for all fields.  May take some time but it will give a bit more control.  In the meantime, you could always create a filter manually.  An older version of PLS had this feature but never added it to PLS 7.  PLS 7 was a complete re-write so I had to determine what were the most important features.

Thanks again for the feedback and will keep everyone posted when I can get a new release out for testing.

Unfortunately, the current version of PLS does not provide distribution allocation.  I am currently working on an update for PLS.  I will look into adding allocation by grade.  Will keep you posted...

Glad you like PLS.  Yes, you can run multiple instances of PLS within VB.  Keep in mind that both instances will poll LC at the same standard times.  If you run too many instances, LC won't be happy about the additional load on their servers.  I haven't heard of any complaints from LC regarding 2 instances running at the same time.  Although I have heard of 3rd party sites that have got in trouble for too much load in the past...

Unfortunately, PLS does not have the ability to run multiple accounts in the same instance.  So, running multiple instances with different users is the only option for multiple accounts.

-SL

Not sure what the problem is but will try to help.  I assume that between when PLS starts and loan list detection begins, PLS is able to obtain your initial cash value.  If so, this means that PLS is able to connect to LC via their API.  Please check to make sure this is correct first. 

Also, what happens if you run the service manually?  You can do this by clicking the blue and white start icon on the control panel.  Can you post what the log file shows? 

The model is based on a gradient boosted machine algo which is an ensemble of decision trees.  I haven't done a good job of explaining the model but will try to document it when I can find the time soon.  The model is probably 6 months old and due for an update. Probably get around to pushing a new model before beginning of new year.  Let me know if you have any specific questions...

SL

The employment data provided by LC are distinct values (not continuous).  In other words, possible values are only 0,12,24,36,48,60,72,84,96 and 108.  If you want to include all loans >=24, then just select all values 24 and greater in the select box. 

However, if you wanted to create your own custom filter you could use the following in the customer filter input box:  empLength >= 24.  This would add the same logic as just selecting described above.

Hope that helps,
SL

1)  There is no price markdown or discount of notes.  I am not sure  exactly what you mean by this question, but the dollar amount for the "Investment Amount per Note" field is the amount invested in each new note regardless of any other field.  The "Minimum Cash Level" field essentially disables investing until your account exceeds the minimum cash level + investment amount per note.  It basically allows you to keep a certain level of cash in your account.

2)  PLS does not sell notes.   Nor does it purchase on foliofn.  It will only add new notes to your portfolio.

Hope that answers your questions,
SL

PLS does not implement EFP.  Sorry.

Sorry for the late reply.  Have you been able to use PLS after funding the account more than $25.  It may be a rounding issue in the code but I haven't dug deep yet.  I will probably add this fix in an updated release sometime in the future. 

SL

I had another user with VB on win10 and this is how he fixed it:

"i didnt realize the oracle vm would be setting up another adapter.  with bitdefender the auto/default settings are never correct...in case you have anyone else that runs into this issue, the settings that seem to be working for me are:

network type:  home/office
stealth mode:  off
generic:       on "

Although, I am not sure if this will help in your case.  I found this on the VB forum that says 5.0.4 is not supported on win10:

https://forums.virtualbox.org/viewtopic.php?f=6&t=70054&p=334877&hilit=windows+10#p334877" class="bbc_link" target="_blank">https://forums.virtualbox.org/viewtopic.php?f=6&t=70054&p=334877&hilit=windows+10#p334877

Perhaps try an older version as a test...

Looks like you are not alone having network issues with VB on win10 as well:

https://forums.virtualbox.org/viewtopic.php?f=6&t=68590&p=334845&hilit=windows+10+network#p334845" class="bbc_link" target="_blank">https://forums.virtualbox.org/viewtopic.php?f=6&t=68590&p=334845&hilit=windows+10+network#p334845
https://forums.virtualbox.org/viewtopic.php?f=6&t=66682&p=334708&hilit=windows+10+network#p334708" class="bbc_link" target="_blank">https://forums.virtualbox.org/viewtopic.php?f=6&t=66682&p=334708&hilit=windows+10+network#p334708

Just found a link to someone reporting that it may work on a test build release:

https://www.virtualbox.org/wiki/Testbuilds" class="bbc_link" target="_blank">https://www.virtualbox.org/wiki/Testbuilds

Let me know how it goes...
SL

I downloaded the payment history file from here (All Payments):

http://additionalstatistics.lendingclub.com/" class="bbc_link" target="_blank">http://additionalstatistics.lendingclub.com/

I see approx 2.5MM rows of payment history with 103K unique loan ids present.  I don't understand why there are approx 400K unique notes in LC's historical statistics files but yet only 103K notes in the payment history?  Does anyone know why this is the case?  Am I missing something here?

SL