I had a loan with XXXX, I entered a forbearance agreement with XXXX and they sold the loan to penny mac. 3 days later, once the loan was transferred to penny mac they told me my only option was foreclosure or short sale. I explained to them i had a forbearance agreement but they said they had no record of it and would n't honor it. I have done a cfpb complaint on both companies and have proven there was a agreement and that penny mac committed fraud and unfair lending practices and I did a deed in leau because i was promised the late payments would be removed and i 'd owe nothing. when i did the deed in leau i cited the reason for hardship was that XXXX did n't honor the forbearance agreement. Had XXXX honored my agreement with XXXX I would n't of had late payments and would still own my house. I 've asked all XXXX credit reporting agencies to remove any information from XXXX but they refuse to do so. and i want a neutral party to investigate my situation fully. thank you. 
