All,
An update to this issue I had. I have amalgamated the posts from PHV, vgersh99 and Ygor.
To recap:
Two files, one a configuration file, and one data:
File Contents:
columns.cfg
HEADER,first,second,third,fourth
data.txt
Cat,Dog,Cow,Sheep
Apple,Banana,Peach,Grape
Blue,Yellow,Red,Green...