I am looking for suggestions on how to handle a csv file that is being created, then uploaded by our customers, and that may have a comma in a value, like a company name.
If you're interested in a more educational exercise on how to parse files in general (using CSV as an example), you may check out this article by Julian Bucknall. I like the article because it breaks things down into much smaller problems that are much less insurmountable. You first create a grammar, and once you have a good grammar, it's a relatively easy and methodical process to convert the grammar into code.
The article uses C# and has a link at the bottom to download the code.