An example might help to show how commas can be displayed in a .csv file. Create a simple text file as follows:
Save this text file as a text file with suffix ".csv" and open it with Excel 2000 from Windows 10.
aa,bb,cc,d;d
"In the spreadsheet presentation, the below line should look like the above line except the below shows a displayed comma instead of a semicolon between the d's."
aa,bb,cc,"d,d", This works even in Excel
aa,bb,cc,"d,d", This works even in Excel 2000
aa,bb,cc,"d ,d", This works even in Excel 2000
aa,bb,cc,"d , d", This works even in Excel 2000
aa,bb,cc, " d,d", This fails in Excel 2000 due to the space belore the 1st quote
aa,bb,cc, " d ,d", This fails in Excel 2000 due to the space belore the 1st quote
aa,bb,cc, " d , d", This fails in Excel 2000 due to the space belore the 1st quote
aa,bb,cc,"d,d " , This works even in Excel 2000 even with spaces before and after the 2nd quote.
aa,bb,cc,"d ,d " , This works even in Excel 2000 even with spaces before and after the 2nd quote.
aa,bb,cc,"d , d " , This works even in Excel 2000 even with spaces before and after the 2nd quote.
Rule: If you want to display a comma in a a cell (field) of a .csv file:
"Start and end the field with a double quotes, but avoid white space before the 1st quote"