Subtract the text from previous row's text with map to index(Cus ID) python

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Input:

df = pd.DataFrame([[101, 0, \'FHA,HP_RM,HP_RF,Co_Ac,SC,Sing\'],
                    [101,1,\'SC,A36,FHA\'],
                    [102,0, \'Paymode,reg,v


                      
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