sqlldr control file -- what's wrong?

Enterprise Edition 11gR2

Trying to load data from a csv file created by sqlcli.

Records are variable length, character fields delimited by '"'.

all fields terminated by ','

Below is an example of my control file:

LOAD DATA

infile load.txt

badfile load.bad

discardfile load.dis

into table owner.table_name

truncate

fields terminated by ',' optionally enclosed by '"'

(

SAK_KEY integer external

,LOCATDATE integer external

,LOCATTIME integer external

,PARTITION char(2)

,PAYERNAME varchar(20)

,PAYERID varchar(10))

Sample of data

432434356,20140901,102044,"01","SomeDumbPayer","XXXX"

Error received:

value used for ROWS parameter changed from 64 to 56

Record 1: Rejected - Error on table owner.table_name, column PAYERNAME.