Explanation
The file format option that should be used to resolve the error and successfully load all the data into the table is FIELD_OPTIONALLY_ENCLOSED_BY = '"'. This option specifies that fields in the file may be enclosed by double quotes, which allows for fields that contain commas or newlines within them. For example, in row 3 of the file, there is a field that contains a comma within double quotes: "Smith Jr., John". Without specifying this option, Snowflake will treat this field as two separate fields and cause an error due to column count mismatch. By specifying this option, Snowflake will treat this field as one field and load it correctly into the table.

Explanation
The functions that will compute a 'fingerprint' over an entire table, query result, or window to quickly detect changes to table contents or query results are:
HASH_AGG(*): This function computes a hash value over all columns and rows in a table, query result, or window. The function returns a single value for each group defined by a GROUP BY clause, or a single value for the entire input if no GROUP BY clause is specified.
HASH_AGG(<expr>, <expr>): This function computes a hash value over two expressions in a table, query result, or window. The function returns a single value for each group defined by a GROUP BY clause, or a single value for the entire input if no GROUP BY clause is specified. The other functions are not correct because:
HASH (*): This function computes a hash value over all columns in a single row. The function returns one value per row, not one value per table, query result, or window.
HASH_AGG_COMPARE (): This function compares two hash values computed by HASH_AGG() over two tables or query results and returns true if they are equal or false if they are different. The function does not compute a hash value itself, but rather compares two existing hash values.
HASH COMPARE(): This function compares two hash values computed by HASH() over two rows and returns true if they are equal or false if they are different. The function does not compute a hash value itself, but rather compares two existing hash values.

https://docs.aws.amazon.com/AmazonS3/latest/userguide/UsingDSSEncryption.html