Creating factors from characters in csv file and Rstuio(in reprex)

In latest R versions stringsAsFactors defaults to FALSE, that is why you get the same result.

It is not clear what you are trying to do but you can't cover an entire data frame object to factor that way

That function is meant to be used with individual variables, for example

BankCustomer1$job <- as.factor(BankCustomer1$job)

Also, it seems you are very confused about what a reproducible example (reprex) actually is, please read the guide in the link below and try to make your question providing a proper reprex.