I can't answer your question, it resolved the problem you described on the original post; now you got a working application, feed it with your data, try to break it, and fully understand its logic because you will be looking after it once deployed, you receive help in sites like this, but it will be unprofessional to avoid understanding the solution given.
Did the sample of records you posted included records having embedded commas in its data?
Did you try to load records having commas in its data with the solution given? what did it happen?
Cheers,
Hope this helps,
Rock from VbCity