Garmin CSV file format for POI

 

In a recent download of CSV files for Walmart and Truck Stops I noticed that the CSV file format does not appear to be complying with what is acceptable to Garmin when it is converted to a GPX file. Problem from what I can determine is that in a four field/column format. The fields separated by commas also contain embedded commas. Even when the field is enclosed in quotation marks it is still creating an error in the conversion to a GPX or POI. The error is also occurring when the field contains special character such as a | which has been used in the above reference d CSV files.
I is my understanding that Garmin specifies that special characters and embedded commas are to be avoided in the Names and Description fields.
If the creator of the CSV is trying to arrange display formatting is this not better done by using the