Why dont you use external tables. They are much hassle free. Assuming that you are using oracle 9i, you could try this:
Code:
create or replace directory data_dir as '/tmp'
 /


CREATE TABLE EXTERNAL_TABLE
(
NAME VARCHAR2(30),
ADDRESS VARCHAR2(50),
STATE VARCHAR2(50),
CITY VARCHAR2(50),
ZIP VARCHAR2(20),
COUNTRY VARCHAR2(40)
PHONE NUMBER(15)

)
ORGANIZATION EXTERNAL
  (  TYPE ORACLE_LOADER
     DEFAULT DIRECTORY DATA_DIR
     ACCESS PARAMETERS 
       ( records delimited by newline
 fields terminated by ','
 missing field values are null
 (NAME,ADDRESS,STATE,CITY,ZIP,COUNTRY,PHONE)
     )
     LOCATION (DATA_DIR:'file.csv')
  )
REJECT LIMIT UNLIMITED;