TASK DEFINITION: In this task, you are given a public comment from online platforms. You are expected to classify the comment into two classes: toxic and non-toxic. Toxicity is defiend as anything that is rude, disrespectful, or unreasonable that would make someone want to leave a converation.
PROBLEM: Comment: Having reviewed the content of the article, I can see the potential drawback of this product  offering. -However- It has been a useful product for me. A Schedule 'A' bank offered me a 'HELC' after I put down $50K to purchase a $ 177K home purchase at 3.7%  in '2010'; interest only payments if I wanted. I chose principal and interest payments. -Then- In '2015' it was suggested that I take out a mortgage for the residual amount owing on the HELC at 2.24% ; continue paying principal and interest, and save approximately $16 K in interest . -Now- I was informed that I could borrow against the increasing HELC credit portion available but at 3.7% interest rate. -Although- The rate was better than a unsecured/ secured L/C, I have not now nor ever intend to do so. -And- When the mortgage comes up for renewal in '2018', if the rate is not better than 2.24%; i.e. if the rates go up, I can always convert it back to the HELC at the fixed at 3.7% at no cost. No problem  in my case that I can see.

SOLUTION: Non-toxic

PROBLEM: Comment: Thousands turn out for Justin Bieber concerts too. It's still shit.

SOLUTION: Toxic

PROBLEM: Comment: Say l'enfoiré de Campagna in Montréal-
this article is hard to "swallow", eh ???

SOLUTION:
Non-toxic