One of the parameters to read.csv()
must include the location of your .csv file. Only then can you save it into as a data frame called 'data'. If you are using a MacBook:
data <- read.csv("User/Benjamin/Desktop/bank.csv", sep=";")
and if you're on Windows:
data <- read.csv("C:\\Users\\Benjamin\\Desktop\\bank.csv", sep=";")
Hope this helps!