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None. Dear Consumer Financial Protection Bureau, JP Morgan Chase Bank , N.A . together with its ' representatives XXXX XXXX, XXXX XXXX, and XXXX XXXX attempt to steer husband and wife away from the benefits of the XXXX XXXX Harp Re-Finance Program and the 60 day, 4 % signed Lock-In Agreement dated XXXX XXXX, 2015 by the delay in service, the delay of a well-timed " Close '', the entry to record of an errored appraisal, the withhold of information by not providing the disclosures of the Good Faith Estimate Settlement of Charges in a timely manner ; and the withhold of information by not providing the disclosures of the Truth in Lending Statement in a timely manner. As a result, we write this complaint to the CFPB against JP Morgan Chase Bank N.A . together with its representatives XXXX XX