Lost chat box - failed Xfil

I've played about 10 hours total so far. Yesterday, and today just now, I somehow lost my chat box. (I'm on PC.) While I did Xfil yesterday, I couldn't progress through any summary screens because I was somehow locked in chat, while not having access to chat, so no keyboard inputs were detected, and it blocked mouse input.

Today/just now for some reason it also caused me to NOT Xfil with my group, meaning I was left to die since I had no ammo, and I lost several green items that were on me. Likely $1500 worth of gear in total. :(  Again, couldn't progress through any screens and had to close the game to recover.