my $csv = Text::CSV_XS->new ({
    binary             => 1,
    decode_utf8        => 1,
    auto_diag          => 1,
    allow_loose_quotes => 1,
    });
open my $data, "<:encoding(utf-8)", $file or die "$file: $!\n";
my $ref;
my @header = $csv->header ($data);
while (my $row = $csv->getline ($data)) {
    push @$ref, $row;
    }