It was when talking to Marion (I think that was her name, the 1920s one), I had just sort of "solved" her issue and was having the conversation with the Voice about the aftermath. I left to go to a different room, then went back to her room once on the map because I realized I hadn't checked if any new dialogue options had popped up, and then the same scene of "solving" played out except this time it segued directly into what seemed to be endgame. I wasn't sure if i had somehow run out of a time limit or something, but I had not yet resolved everyone (hadn't helped the one person realize he was dead and I think I had more to do with someone else, I couldn't remember). The ghosts were definitely all acting like I had finished their storylines in the endgame.