What kind of problem? The following works for me.

CREATE CURSOR fubar (fname C(16), lname C(20), ;
	addr1 C(32), ;
	addr2 C(32), ;
	addr3 C(32), ;
	test d)
TEXT TO lcFubar
A,B,,,,1/1/2003
C,D,,,,2/02/2003
E,F,,,,3/12/2003
G,H,,,,10/12/2003
T,U,,,,11/2/2003
ENDTEXT 

STRTOFILE( lcFubar, "fubar.txt",0)

APPEND FROM fubar.txt TYPE DELIMITED
BROWSE NOWAIT

>>IIRC, it's long standing bug or feature of APPEND TYPE CSV. You can use TYPE DELIMITED to avoid this problem

>>APPEND FROM fubar.txt TYPE DELIMITED

>
>
>Unfortunately; that will not work ... .the real records being imported are like
>
>First,Last,Middle,DOB,Street,City,State,Phone,Zip,PHone2,enrollment,Somethingelse
>
>so a data record is:
>
>Joe,Smith,,01/01/01,,,,,,,1/01/2003,something
>
>Doing "delimitited" gives problems with ",,,"