CSV means comma-separated values. So your file containing "Jerry, David, Joy" means for a CSV file that you have 3 values there "Jerry", "David" and "Joy". The comma is not part of the values, it is the separator.
If you want to have the commas to be part of the value, you can change how you parse your file and instead of a comma, you could use a different separator, e.g. semicolon (;) or TAB, etc.
I hope this helps.
Good luck!