chat_history: ['Getting a new debit card takes so long and really is a hassle.', "Yeah it really does. It's even worse to try and close those accounts!", "They don't want to. I lost mine or it was stolen. But all my autopay bills are at a standstill and the companies are not happy about it."]
sys_response: Man that sounds really stressful...
situation: I lost my credit card and now my bills aren't going through. Trying to explain to the phone and internet companies is such a pain.