Unexpected EOF error when trying to run BCP

When I run BCP at the command line, and it prompts me for the various parameters (such as storage type, prefix-length, etc.) the command works and imports the data (it's a csv file).   I even wrote out the format file when asked both in xml and fmt formats.  But when I try to run the BCP command using the format file I get that was created, I get the following error:

Unexpected EOF encountered in BCP data-file.

Here is the command:
bcp MyDb.dbo.Test in upload.csv -T -S Servername

Here are the format files:
XML:
<?xml version="1.0"?>
<BCPFORMAT xmlns="http://schemas.microsoft.com/sqlserver/2004/bulkload/format" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
 <RECORD>
  <FIELD ID="1" xsi:type="CharTerm" TERMINATOR="," MAX_LENGTH="50" COLLATION="SQL_Latin1_General_CP1_CI_AS"/>
  <FIELD ID="2" xsi:type="CharPrefix" PREFIX_LENGTH="2" MAX_LENGTH="50" COLLATION="SQL_Latin1_General_CP1_CI_AS"/>
 </RECORD>
 <ROW>
  <COLUMN SOURCE="1" NAME="name" xsi:type="SQLVARYCHAR"/>
  <COLUMN SOURCE="2" NAME="address" xsi:type="SQLVARYCHAR"/>
 </ROW>
</BCPFORMAT>


FMT:
10.0
2
1       SQLCHAR             0       50      ","      1     name               SQL_Latin1_General_CP1_CI_AS
2       SQLCHAR             0       50      "\r\n"   2     address            SQL_Latin1_General_CP1_CI_AS

Thanks for any help you can provide on this.