I have a problem.
What's the problem?
My mattress was supposed to be delivered today.
Is there a problem?
The delivery people showed up four hours late.
I apologize for their tardiness.
I was late for work because of them.
Again, I do apologize for the inconvenience.
I want my money back for the delivery.
Seeing as they were late, that won't be a problem.
It shouldn't be a problem.
I'm going to refund your money right now.